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very unethical company do every possible tricks to avoid paying you
I was insured with AAMI for the past 10 years and when the big storm hit Sydney in early Feb 2020 I claimed water damage on my living room but they rejected my claim coz they said I have solar on 2nd floor
Premiums Raised by 20% and charged to end cover that had lapsed
I signed up with AAMI for car insurance initially in 2018, then added home and contents with them in 2019.
Shortly after adding the H&C, my renewal came through for the car insurance and they had raised my premium by just over 20% (despite no claims being submitted and no change of circumstance). I called them to query why and was simply told that their charges had gone up, and that they were not willing to negotiate. I then got quotations from 3 other providers (including Virgin who we subsequently went with), called AAMI back to let them k...now I wanted to cancel, at which point they offered to negotiate. I spent over 40 minutes on the phone to them and they came back still 15% higher than the other provider. The same has just happened with my H&C cover. My premium was increased from $96/month to $122/month which they informed me about in a document via email (no call, and had to search the document to see this was the case). Again, I called, they said no negotiation, I got quotes from others (have gone with Budgetdirect now), I called them back, they tried to negotiate but came in higher, then they told me that it would cost me $35 in "government charges" to cancel a contract that I haven't even signed up for. I told them that they had no authority to take the money and refused to pay it, then cancelled my cover. 2 days later they took the money from my account without authorisation. Consistent behaviour across 2 separate insurance brands. Clearly they bring you on, up your premiums, hope you won't notice, then help themselves to something from your bank account when your cover ends. I will never considering returning to them, regardless of price in the future. If there service is this disingenuous when it comes to renewals, I would be seriously concerned about them supporting a client who was making a claim.
Used to be OK but now won't even paint/repair a water damaged wall.
We have been with this company for 40 years, we didn't claim anything much over the years but whenever the roof leaked on properties we fixed the roof (they claimed wear and tear ) and they did the painting, so we have not had much to quibble about but lately we had another leak.
They sent out a home repair assessor that only looked at one of the three issues and went away! Despite three issues being stated! Unfortunately because of COVID restrictions we were unable to attend, so we weren't there to ensure he did his job properly..
One o...f the issues was a crack, AAMI sent out a Building surveyor , who said we had a large tree on our property and included a picture of our tree fern,! A tree fern does not have a root system it anchors itself to the ground with a rhizome (similar to the stem ginger plant). They are of course just pointing to the only thing near the property and blaming it. They talk about the slope of the land and drainage etc all of which have been there for years, we cannot do anything about the slope of the land and the soil, all of course in trying to get out of the crack. We felt the report was very biased, Another issue was a leak from the roof on the property and the report says "The SOW (Statement of Works) outlined by Home Repair does not cover the water damage observed in the bedroom".. never have we heard of an insurance company that does not cover the damage caused by a roof leak and previously roof leaks have been covered by AAMI. AAMi used to be OK for small issues like leaking roofs, we repaired, they painted , which is a small ask for an insurance company. I can't remember ever having claimed much more than painting after a roof leak.
I wish I could give AAMI zero stars
We had an escape of water claim from an upstairs bathroom/into the living room in late August. The repairs (which still haven’t been completed) have been a joke. It has taken nearly 3 months for the downstairs plastering to finally be completed (as the contractor did not have all the repairs on their work order/plastered things incorrectly meaning another tradie would have to come to remedy/didn’t have anyone available to come for ages....) The repairers engaged by AAMI have either missed things, stuffed them up further or broken things (lates...t one is that the cabinetmaker supposed to be repairing the vanities ripped off wall tiles and plaster because they had apparently measured the space wrong and the countertop wouldn’t fit back in....we now can’t use any of the bathroom power points until the repairer can return to plaster and retile the area (assuming they can find matching tiles which, knowing them, they won’t....).. They have said they can’t come back for another 10 days or so to finish this anyway). We sat at home through lockdown in Melbourne for months with 5 young kids with flooded, damp plaster, industrial fans running night and day and the entire living area covered in plastic sheeting and unusable while they sent out assessor after assessor to do report after report, each one delaying the rectification works. Never again. We are changing to another insurer after this debacle. We have had previous landlord policies and car policies with AAMI which were also not worth the paper they were written on. The level of inefficiency, buck passing and total lack of initiative by the claims manager and even more so the remediation works manager (at the sub contractor, A1) has been laughable. The fact they don’t ever have trades available to do the works is a joke. Don’t know how these people even have jobs. Avoid AAMI at all costs.
I have been with AAMI for decades and previously have been happy but this is ridiculous. We had a freak hail storm in Melbourne in January, 2020. It took months of phone calls and assessors to come. In the end, i gave up in July and accepted that they were never going to be able to finally complete all the repairs as they outlined but at least the broken roof tiles, skylights, solar pool heating and electrics had been repaired. Big rain storm last month and my roof is still leaking. Right under where they repaired the tiles and replaced the solar...and now they have assessed that this leaking is due to wear and tear of the roof. Really?? After the trademen have been exactly in this area of the roof making repairs?
9 months later....
Storm damage in January 2020. They said they wouldn’t repair house and offered us a cash settlement of $50000. Got 2 builders to quote. 1 was $160k the other $180k. Still fighting 9 months later
Amii are criminals
Can't be bothered writing the whole story as I've been emailing amii for 8 weeks trying to get them back to fix the ceiling they pulled out and never returned to undertake works.
In short water leaked from my upstairs bathroom through the ceiling and walls to the down stairs bathroom. Their "make safe" was a fan heater... i told them they had to take down the cieling to check water hadn't damaged the power to the fan/heater/light and it has been 2 months of fighting with no ceiling or power in the bathroom since.... its criminal but banks and insurance companies is Australia have no consequences.
Taking our money for nothing
Part way through the refinancing of our home loan to another bank we were on a holiday in Qld. The new bank requested a copy of the house & contents. Due to us being unable to provide our insurance while we were away we took out a policy through the new bank with another insurer. Upon returning home we forgot to cancel the AAMI Policy. They have only refunded 50% of the overpayments we made in error as they claim they were still covering the home. I notified them that if we had required any insurance we would've contacted the new insurer. I als...o stated that if I had closed that bank account I use for all of the direct debits completely they would have not been able to take any of my money which the staff member agreed. They have declined my request to refund any more money. They have taken our money for no work on their part. Really they have done nothing to earn it..... Not happy.
Treated like criminals
Opened a claim for some damaged property in May, they constantly shifted the goal post, asking for extra information after already providing it multiple times. Asked extremely personal and irrelevant questions and basicallytreated us like criminals. Terribly rude staff and they don't give 2 boots about the customer. We went through 2 personal interviews, asked for bank statements, itemized phone call records, Facebook messages etc was honestly an invasion of privacy.
Lucky you're not with aami.
- Verified customer
Treated us like criminals, asked for private and personal information.
Declined our claim, asked for private personal information (Facebook messages, bank statements, phone and message records, interviews, etc') unrelated to the claim... I am a firefighter, I shouldn't be treated like a criminal.
Months of our time wasted, avoid this garbage company, save yourself time and effort.
Disappointing claiming process and outcomes
Claimed for a home insurance and for a small issue, they took over 5 months to come to a final decision with a very disappointing outcomes. Unless you claim, you don't get the real picture of their service and catches! good bye AMMI
Worst company ever (would sue them)
Basically a builder was supposed to come last week to fix the roof that was damaged after a storm occurred on January 2020, but yesterday a call came through and the builder quitted because he thought it was too hard to fix, this was needed to be fixed for a house extension that was completed in December 2019.
Never ever choose AAMI, its the worst company and I would recommend getting your favorite builder instead of this stupid and dumb insurance company. It has been 5-6 months since I have waited for this to be fixed, but because of the lack of support, just don't go for this company.
Unlucky your with AAMI
AAMI will do anything to deny a claim or get out of paying a fair and reasonable claim. After being insured for 20 years and suffering in a hailstorm they have taken almost 2 years to get us close to a claim with now 2 trips to the ombudsman - the first time we won - so they are now trying another way to get out of the claim and I fully expect if we win that they will go another route. They have delayed sending emails, not responded to requests for answers, ignored expert reports (even ones that THEY commissioned), requested other experts just ‘copy and paste’ advice without seeing our property. I am completely disgusted with AAMI and consider myself ‘unlucky to be with AAMI’
Quick and easy
Selling a house is already so stressful. One thing for sure that choosing AAMI was one of the best decisions I made for my home insurance. The signing up and cancellation process was an easy breezy experience.
And thanks to phone consultant Elina for sorting it out so quickly for me and your friendly, knowledgeable and helpful demeanour has got me sold for car insurance as well.
Dodgy policies and details
The policy had two details wrong: that I was now on the ground floor and renting, nor first floor and owning. I couldn't change the insured address online or email them. I could only fill in one of those forms. I checked my insurance for away from home goods again. I was paying for insurance for $3000. I noticed there was a note next to it saying they only pay out $1000 for each item. So they were charging me for something they would have never paid out. That is deceptive practice. Never use them. I'm moving to Budget Direct. This Product Revie...w site we're on here is the best. You Don't choose the highest rating, pick the product without serious complaints. Youi had a higher rating but some alarming complaints. Budget Direct had glowing reviews. I've just signed up for them, and it's a hundred dollars cheaper a year.
Just a number in their books
I've been with them over 26years,even longer off and on. I on ly had one claim for hearing aids. Now my policy is up 50bucks a month. And Th claim was 2 years ago. How can they be 400 to 500 dollars dearer than others? Never going bac to them. Next year taking my car ins off too. With that I tried 6 different times for the same car, I got 6 different prices from them. Almost criminal
Claims sorted out quickly
I have put in 2 claims over the last 3 years.
One claim was lightning damage to solar panels and inverter system which was finalised in 2 weeks.
Second claim was storm damage to fencing which was settled within a week.
Waste of money
Grandmother had insurance forever never claimed had major accident in house left lots blood on carpet in hall and bedroom AAMI said won't cover. All that money spent for nothing.
Smooth claiming process
We have been with AAMI for home and contents insurance for years now. In that time we have unfortunately had 2 claims and both times we were looked after in a timely Manner and the claim was settled promptly. I would highly recommend them for value and service so really surprised to hear others bad experience.
First claim was flooding so damaged home which was settled within 2 weeks.
Second claim was larger with storm damage, lost fence and some contents items. We did have to follow up a few times (due to the building company being slow) but still went through smoothly in around a month from initial contact.
Hopeless, don’t use a Suncorp company
Claim still underway after 5 months. Our roof ripped off in storm. Assessor did not even look at roof before starting to settle claim! AAMI don’t have the skills or staff to deal with storms( they said this) so they shouldn’t be allowed to offer home insurance. Spent literally days on the phone trying to get sorted. Nightmare. Policy not with the paper it’s written on.
Questions & Answers
I'm wondering if it is "normal" to redact a report so that the client cannot read the estimate for repairs...
I’ve only seen an incomplete list of repairs. No $, or work methods proposed. Needless to say, it’s still ongoing after 3 1/2 mths. I would ask for full disclosure.
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