Commonwealth Bank Car Insurance

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 ...Read more

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...Read more

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...Read more

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...Read more

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...Read more

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...Read more

I have banked with Commbank for over 16 years. Comminsure service has continually deteriorated over this time. They dont know what customer service is! I lodged a claim, and all I have received is a text message with the claim number and bank details for me to pay the excess into. How do I even know this is genuine? Why have they not responded through Netbank or email or by letter? They have all my details! Why do I get follow up texts that I cannot reply to? Why is there no contact phone number with their texts? When I found the phone n...Read more

Wow, where to start. The worst experience I've ever had to endure. Dealing with CommInsure was worse than accident itself. A bunch of programmed muppets who can't think for themselves or do anything other than what they've been trained to do. And even that left a lot to be desired. Did not follow up on anything, did not contact me and did nothing that I asked them to do. I did all the chasing up, and I had to chase up AAMC (their vehicle replacement team) myself and make sure they were onto the job as there were some specifics that needed t...Read more

CommInsure offers options for cheaper premiums (age restriction, etc) but it is deceitful and not cheap. Do not fall into this trap, it is 20-40% more expensive compared to other companies and your circumstances may change. This happened to us as our no-fault claim has been denied due to age restriction. Reputable companies do not offer any age etc restrictions as an option.

CBA also charges the old customers higher premiums compared to the new ones. Our old "age restricted policy" was 30% higher than a new policy, and 15% higher than ...Read more

I have had a terrible experience with CommInsure. Same experience as many others I have read in these pages. When you make a claim they don’t even bother replying. I would like to get in touch with as many of you as possible, and develop a plan to take serious legal action and take CommInsurance to their insurance watchdog. There is a code of practice they are obliged to follow which they systematically breach and ignore, and only through serious organised actions we can make our voices heard. Other options could involve a media campaign and ot...Read more