RUDE CUSTOMER SERVICE!!
I had a call with AAI this evening to try and change my payment week because i get paid from work on the oppisite week, i was literally told from the worker the following: " We dont do that, I work for suncorp and this is for people who are struggling, we are doing this as a favour, we do not have an moving room to change payments" . among other things, he was so rude! OK so basically because im "struggling" im less of a person and you cant change my payment weeks because you are LAZY!? i still pay!!? im still a customer? this made me so ANGRY!...i am not looking for another insurance provider because not only are they RUDE they are actually not that cheap! i found another place that does insurance for the same amount i currently pay $70 per month through AAI
good for a year, until the price goes back up to equal the rest
i signed up with AAI as they APPEARED to do what other companies don't - offer insurance at a much more affordable price for those on low incomes.
this was true for the first year but then i got quite a shock when i saw the next bill to be as high as my previous insurer (AAMI - who incidentally own AAI).
there's no negotiation when speaking to staff - they care about your circumstances for a year & then you're expected to 'come up with the money' on even par with the rest.
even AAMI used to have the practice of making their yearly bills increas...
- Essentials by AAI Car Insurance
- Verified customer
Best price by a mile and no excess.
I live on a pension - way under the total $48,000 household income limit to be eligible for cover under this micro finance deal designed especially for low income earners. I rent in Melbourne, have credit card debt, and my car isn't worth much so price was my biggest concern and to begin with, I was just googling third party policies to compare different companies. I had no idea something like AAI Essentials existed. For just over $300 per year ($6.60 a year), I get not just third party property cover but repairs to my car if the other driver ...is at fault (very handy if the other driver is uninsured) so it's half way between third party and comprehensive insurance. And best of all, no excess unless you have 3 claims in one year. I've only been with them a year and haven't had to make a claim but they organise for fortnightly direct debits from my bank account to be done on pension day so I don't have to worry about forgetting that a monthly payment is due or stump up the whole lot at once. They have two cover levels: one for $3000 maximum and one for $5000 maximum for your car (and whatever the cost is for the other c.ar). Very simple. I've never had a car worth more than $5000 anyway but even if it was worth 6 or 7 grand, I'd still go for this policy as what I'm saving in yearly costs would cover that extra in a few years. I can't remember for sure but I think if the car gets written off and it's your fault, you're not covered but check that in the conditions on line. Ask for a product statement if you're unsure. Either way, there's nothing comes close to this for third party only coverage and everyone else has a significant excess as far as I could tell. I'm just relieved to be covered if I damage someone else's car or, as has happened to me in the past, someone damages my car then, on finding out I had no insurance, decides not to lodge a claim to save themselves the excess. Good luck trying to get an insurance company to pay up if the driver doesn't lodge a claim.
omg- this has been a disaster! no skill set or product knowledge, no integrity, zero customer service, zero efficiency
I chose this insurer as I was impressed that an affordable product was almost being sold as a social service for low income earners and I wrongly assumed their service providers would use empathy and product knowledge to help vulnerable clients access the support they needed. Front line staff and management have been close to useless and I do not use those words lightly. Interactions have left me further out of pocket, vulnerable and wasted hours on the phone going nowhere fast.
Long and extended delay in repairing my car damaged in storm - not my fault
You get what you pay for. Will be without car for 6 weeks. Cost of alternative transport will be $100's. Should have gone to reputable insurer. No concern for customer, no phone calls to advise progress, rude & arrogant car repairer who couldn't care less - same as Essentials. Zero customer service.
- Verified customer
They made my life hell
Am reviewing the insurer AAI, not their new product 'Essentials'
However, I am a pensioner and little concern for my situation was demonstrated in handling my claim as described below. Same company, different product.
No longer with this insurance company and advise total avoidance of AAI (Vero/Suncorp)
I was promised the repair of my home in writing in February of 2017. A builder had been appointed and an assessor had been.
Instead, weeks of deliberation and confusion followed with a second assessor arriving and minimising the damage...
What an amazing insurer for low income earners
I recently took up a car insurance as well as a contents insurance policy with Essentials by AAI. Upon discussing their policies, specifically designed for low income earners with Centrelink benefits, Pensioners etc, including people with jobs not earning over a certain amount.. Sorry i can't quite remember how much..!! However, their policies are straight forward in what's covered and what isn't, you get 2 different selections to choose from on both car and contents. It's not an insurance for you if you want $50,000 cover, as this isn't an opt...ion. The bonus with this insurance is the first 2 claims are excess FREE! I myself have a sorted past, and not the best history however over the last couple of years have straightened myself out (been a good boy lol). Most people who have black marks on their name, whether drink driving etc will know how tough it is to obtain insurance based on a criminal history or bad driving history.. and I myself know all about this. Some insurers we're going to charge me a huge amount to cover my car, and contents, with a huge excess to match. I feel awesome knowing I have my stuff covered and there we're no objections, or any issues with the history I have. And as a low income earner I pay $21 a fortnight to cover my car and contents. UPDATE - 30/11 I am currently awaiting a claim i had to put forth for my car insurance. Unfortunately I had an idiot unlicenced driver hit my parked car at speed and totaled it. As nervous as i am awaiting the results of what they may offer, i'll be sure to update my listing once the result of the claim is finalised. I will also edit the star rating based on this result, so far though, the process of lodging a claim was extremely easy, my only issue so far is their lack of communication, where I was told on Tue, that they we're waiting to hear back from the smash repairs, and as i rang the smash repairs on the wednesday, i was advised that they had already sent paperwork and photos on monday. Just a good thing i am on to them, as it would have slipped through the cracks.. besides this, so far so good... UPDATE COMING SOON!! 3/12/2018 - Claim assessor called... was a better outcome than anticipated.. The assessor was friendly, easy to deal with and best of all, offered really what my market value was worth.. Thanks again Essentials by AAI.. really couldn't have asked for a more happy and stress free outcome :) I highly recommend this to anyone looking for decent low cost insurance.
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.