They won't tell you what you're entitled to. But they will gladly take your money.
I was involved in a minor accident (another vehicle rear-ended me). I took the driver's registration and licence details (including address). But because I did not have the other driver's phone number, I was going to be charged a $500 excess by CommInsure. So I had to drive to the guy's house to get his phone number. A few days later, I realise I was entitled to a rental vehicle while my car was being repaired. CommInsure did not disclose this to me. Yet they were quick to say I had to pay them $500 excess (which they eventually cancelled as I ...got the other driver's contact number). Fast forward a few months down the line, they send me an invoice for the cost of the repair of my vehicle. Turns out they were supposed to send it to the other driver. My issues are: 1) Quick to charge you an excess 2) They do not disclose your policy's entitlements. You have to ask specific questions about your entitlement.
4 months and my car still hasn’t been repaired.
My car was heavily damaged in the Canberra hailstorm. CommInsure made me use their approved repairer which can only repair the car in Queensland. Four months in and my car is rusting away and still damaged Action Smart Group does not have the capacity to repair the vehicles in a reasonable timeframe but CommInsure want to save some money instead of providing the service I paid for. I had to phone up and make a fuss before they would let me book a local repairer.
My car is badly rusted at the moment and I know that even with repairs it is only...a matter of time before that rust eats away at my car. My friends and colleagues insured with different providers have all had their cars replaced or repaired by now but CommInsure still use the excuse about how unprecedented the storm was as an excuse. Stay away from CommInsure - all they care about is the spreadsheet they use to track profit.
Do not insure with these thieves. Minus 5 stars
I can not stress enough, do not insure with this lot, they only want to take your money and will go to great lengths to avoid paying you out what your entitled to. I crashed my vehicle at the start of January and was stuffed around for 2months with them taking my vehicle for mechanical checks to try and find a reason not to pay out my insurance claim. They came back with a report saying that the the steering was faulty and damaged and knocked my claim back, I hit a tree which done substantial amount of damage to the front of the vehicle and wou...ld have caused the steering to be damaged, so how I was able to drive this vehicle with such amount of damage is beyond me. I also have my house and other vehicle insured with these grubs in which I will be cancelling and finding another insurance company to deal with.
I cannot rate this Comminsure car insurance highly enough !
To Brad - who went way and above his call of duty to resolve my issue, THANK YOU !! And to Debora, Brads manager, it's been an absolute pleasure talking to you too.
Outstanding customer service and professionalism!
I'm extremely grateful !!
So our car has been destroyed by hail damage. We lodged a claim. Cominsure’s repair process is just an absolute joke.
So our car has been destroyed by hail damage. We lodged a claim on the day it happened and asked if we could take our car to our preferred repairer place for assessment and for potential repair. The answer was yes. We had to wait few days for a hail damage specialist to be present at our repairer of choice. Car got assessed yesterday. Today we receive a call from cominsure. We need to take our car to actionsmart which is their approved hail damage specialist. If that’s the case why have cominsure wasted our time and said yes in the first place....Wait it gets better! I asked Where an when can we take our car for assessment? The answer is oh they will contact you. They are currently setting up sites in Victoria and NSW! So when I ask are you serious?how long shall we be waiting? They said oh it’s just a hail damaged car, you can still drive it!! ( thank you for reminding me that!) We don’t know when they will be contacting you. This is the process. It’s not going to change! So the cominsure operater gets angry and hungs up on me! Honestly your process is not good enough and needs to be changed. It’s in fact one of the funniest and unprofessional processes we’ve ever heard of. It’s a joke!
I wish there was a No Star option
Vague information is provided in PDS about learner driver in aged restriction policy option. Nothing is mentioned about when the policy holder is supervising a learner. There is a common perception that if the full licence policyholders are supervising a learner, still the full license person is liable for car insurance. It is not clearly explained in pds and miss lead the costumers
Mistake To Move To Comminsurance
My car was bit from the back which I was not at fault. I called Comminsurance after few minutes to discuss the situation, the call center representatives are very inexperienced and do not think out of the box.
Asked me to take the car to crash repairer and arranged for a loan car with HERTZ which is on the other side of the town when the HERTZ is 400 meters away from the crash repair moreover WHY hertz? Anyways, I had to pay hertz insurance money to secure the car why?
It take 30-40 minutes to talk to call centre representive each time when I c...
Lack of diligence and failure to provide appropriate information when requested
I am so disappointed with the CommBank so much so that it made me to register on this site to give a review. I selected ONE star purely because CommInsure picked up the phone when I called.
I spent at least 4 hours (3 calls) with them that I have been wrongly charged for a claim purely on the basis that I hadn't made "the claim" but only "reported" the incident when it happened. I was put in the total darkness until the same bank sent a debt collector to me. When I asked them why I was not informed of the proceedings, then they simply said it ...is the procedure they follow. When I asked what enquiries they have made, their answer is we compared the notes that suffice, even though I insisted I have witnesses when incident took place. When I requested a report on their investigation, the answer was they are not obliged to provide one and "the system doesn't allow them" to produce one BUT referring to road code and asked me to GOOGLE it, but failed to give details of the code for reference. When I asked for Manager to speak, guess what, he isn't available (classic uh!) I could go on... but you get the gist how uncompassionate and disregard towards their paying customers. My experience with CommBank attests their sheer arrogance and I am taking immediate actions from pulling out all my financial dealings with them in future. Hope this review help for whom it matters.
Decided not to renew insurance because they increased it by a ridiculous amount (no claims ever on my car). Rang up and asked not to renew as of 21st Sep (when the policy expired), said they would send a letter confirming the cancellation. Received letter yesterday stating they cancelled my insurance on the 1st of Sep! I have been driving around with no insurance for 3 weeks thanks to these idiots.
Forget trying to call for a quote. Their Australian contact centre is severely understaffed. They will call you back. You suffer their rubbish IVR. Advertising. They can’t call you back at all at a prearranged time. They can’t email you anything. Has to be by post. Any issue and it’s 10 days + before you find out there is an issue with your cover. There is absolutely nothing these people get right and this is sales! Their communication fails to advise vehicle details. They just provide a policy number. When you have multiple vehicle policies yo...u have no idea which one they are communicating about. So hard to give them business I can’t imagine what their actual claims process is like. In any event they can be trusted so taking 7 policies elsewhere. Not worth the risk. And there is absolutely no point promoting your all Australian call centre when you don’t staff it! Go to Manila or somewhere. Better yet, sack your useless executive team and get people who understand communication and sales. You have lost my business purely out of arrogance and stupidity.
Most useless insurance company i have EVER dealt with!!!
Setup fine. Value WAS good. Online claim system is pathetic, get's lost in commbank account. Cannot make a claim over the phone unless it's an emergency.
I was lead to believe that my excess was a tad higher at $1050 because of my increased monthly premium. I made a claim around a month ago, and had to request/pay/submit my 'official vic roads driving history' (have never had to do this in the past with any other insurance company). CommInsure turned around and said that by me driving my own car, my excess was $2650!!! (Apparently this was agr...eed to over a 'web chat', which they have failed to provide the transcript for after 3 separate requests) It would be cheaper for me to respray the other persons entire car!!! Considering the money at stake, Commbank has still not contacted me about the claim. Worst customer service ever! Cancelling my policy, insurance and taking my loan/banking elsewhere!!! Make sure you read Comminsure's shonky fineprint!!! Cheers CommInsure!
Incompetent and horrible communicators.
Had an accident that was not my fault.
Called to find out the easiest way to deal with it and they suggested they do the claim and waive the excess. They will "deal with the other party" and let them do the heavy lifting.
1 month of me calling they still hadn't contacted the other party. left multiple messages.
from what i could tell they never even googled the company name to find an alternative number or email.
After 1 month of me calling and them telling me nothing changed, I called the person who seemed to have zero clue that comm insur...
Comprehensive is a Joke
Got rear ended (not at fault). Gave CI the others driver's registration and driver's license details. After replacing the rear bumper by their approved business, When I picked up my car the next day I was told to pay the $600 excess. CI charged me the excess because the driver doesn’t have a phone number. On closer inspection of his licence it shows it expired 14 month ago! He operated the vehicle with no valid driver’s licence rear ended me!!! I have “comprehensive” car insurance. Definition “comprehensive” Cambridge Dictionary “Comprehensive...insurance will also cover you against theft, and against any damage done to your car…” Definition “comprehensive” CI “We will….. bla bla bla….. I think their insurance offices is on the c/r of Screwyou Rd and Thanksmate St. Record phone conversations for training purposes, thhh it’s easier to train a monkey to do show jumping with a donkey. Cheers CI no more.
Definitely not worth the price you pay for it
Car was broken into leaving front passenger window smashed, dinted door and stolen items.
-no option was given to tow the car to the mechanics even though the car was unroadworthy. Had to ask for it and had to justify why I was unable to drive it myself. Reason provided was that they don’t usually send out tow trucks for broken windows.
-did not even ask if a hire car was required. Had to ask for it
-beware of the ‘imposed excess’ charges when you claim. It’s in the PDS but not clearly visible or explained in detail. Very misleading to a consumer and in my opinion is definitely an unjust cost.
Comminsure is definitely not value for money and I would take my business elsewhere.
Terrible experience. Don’t go with them
I had compressive car insurance with them. In Mar 2018, I made a claim of car accident. The driver didn’t stop and tried to escape. I followed the driver to his place and he refused to provide his driving license and details. So I had a police report. But I was unable to apply for the police report and camera footage by myself therefore I could not provide the evidence to insurance company to prove it’s not my fault. Police said the insurance company can access the report with police report number and required the footage. However, the comminsu...re states that it’s their policy that they don’t obtain the police report and it’s my responsibility to get it and provide to them, which I could not get it from the police. In the end they made the decision of equal liability for the accident which is totally not fair to me. As the comminsure lower my rating and increased the premium by over $500 and add a imposed driver excess of $1200 on top of the basic excess I chose $850 (total $2050 for the future claims till 2050). I called police today Mar 2019 to try whether I can get the report and footage and police said they can only provide the report number and insurance company can get it with the report number. Police said the only reason they have this policy that the costumer should provide the police report etc which I am unable to get it even I pay for it is because it does cost insurance company to do it. So they just simply identify and decide it’s my fault and increase the price and add imposed excess on my car insurance. I tried the communicate with comminsure many times and even their senior manger and I just have the repeated answer that they don’t obtain and investigate what truly happened - it’s their policy! They won’t truly care who’s fault it should be by getting further evidence and simply make you to pay higher next year. So why should customers stay with them who don’t really care about the best interest of customers! And their customer service is really bad, they only know what the system tells them which I can get all information online myself, they don’t the critical questions that customer asked. So they transfer you to claim department and the transfer the line to the policy department and in the end I still don’t get the answer I want to know. Extreme terrible experience with them!
100 percent happy with Comminsure car insurance.
Had a nose to tail car accident, called Comminsure the following day and made a claim. Repairer emailed quote to Comminsure, and within 4 days had the approval to go ahead with repairs. Very happy with the whole transaction. I am staggered to read all the negative reviews.
NO NOT USE!!!
4 months. Had an accident. They're only open 8 to 4 Monday to Friday. Your tow cover i valid after you get a tow pay and they reimburse "reasonable" expenses. Car should have been a write off they called it a repairable right off. Six month later car is still not running well.they refuse to have it sent back to mechanic.
Cannot fault comminsure
I am not insured with comminsure but was involved in an accident with someone who is. As it was the other partys fault i cannot stress that the service we have received as a non customer was fantastic. From the day of accident 4 weeks ago until now we received a loan car, great customet service, and a payout of my car as a total loss and didnt get ripped off in any way. The payout ammount was within the range we were seeking.
Terrible beware do not use
We have made a claim on our home as or house went on fire 11 weeks later still nothing done still no money for our belongings we are living in a rental with nothing no communication always making excuses for why no work is done and trying to prove about what we had ie furniture clothes etc they want receipts how do we have receipts when our house went ok on fire.DO NOT use comminsure terrible company a nightmare.
hopeless customer service
4 weeks with no response on our claim .... and 1hour + waiting on the phone to their claims department - with out being answered . Clearly the Banking Royal Commission should extend its enquiry into the off shoot businesses run by the Banks.
Questions & Answers
how to cancel policy
if my work van catches on fire, for example if some of my cargo spontaneously combusts am I covered.
I have full comp.
Does CBA comprehensive car insurance cover for damage done to your car whilst parked when you do not know who caused the damage?
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