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- Verified customer
I am WARNING you now do not get insurance with this company. If you are using an underwriter ask which company you will be getting insurance with and also ask about all endorsements and what is covered. This was my first time getting renter’s insurance and I was very uninformed which is why when it came to my claim the process was lengthy, draining and ended in many tears. I was issued a Renters Insurance Policy in Dec. of 2019 with what I thought to be “Resident Shield” but they are really the underwriters for multiple companies. So, in realit...y my insurance is with QBE. QBE has proven to be the worst company I’ve dealt with in my life. From lack of communication, not responding to messages or calls, tense and problematic conversations and with people in my opinion you would somewhat expect empathy from during such times. They will only only call you back after they have concluded everything on their own and gone forward with their findings ( yet any questions or concerns will not be answered in the meantime because they don’t want to talk to you). My apartment was flooded on April 3 in which my claim was later denied due to “dirty water/sewage water” or back up yet if it was clean water it wouldn’t be covered as well because as we all know in Texas flood is not covered in insurance as well. So, what exactly is covered robbery and theft (so I don’t need insurance because I live in a safe neighborhood?). My adjuster from the beginning was very rude, nonchalant, and clearly had selective hearing as well as the supervisor Mrs. Chamberlain, getting a hold of her is one thing and speaking to her is a different story. I had issues and questions about why my claim got denied since my apartment specifically said it wasn’t back up nor our fault once they finally talked to them. My claim was also denied before they spoke to the apartment manager which leads me to believe this was her MO from the beginning. What was supposed to be a quick two weeks process has gone on for months. I accepted the denied claim but now I wanted to speak with someone regarding the the endorsement that was never mentioned and regarding my policy (since it was never sent in the mail). As many others have mentioned the managers and supervisors don’t get any better they tell you info you already know and they will repeat over and over to you with no effort to try finding a conclusion to your issue or answers to the real issues. Whenever they get back to you they speak to you they know to come come up with a generic speech and once stcick to it once on the phone, there still is no open dialogue or flow of conversation. They say what they have to say and it’s everything is done from there. My agent Shanteeka has asked me for receipts, bank statements, etc. to prove I am the owner of the items that was in the claim (which took about a week) when in reality she had no intentions of going forward nor approving my claim. Then. Why waste my time and we go back and forth for about a month. Resident shield came to the conclusion that they would check call logs and a supervisor would get back to me on three different occasions (which they didn’t) within 24 hours. So, one day I dedicated five hours of my morning trying to figure this out and finally be able to move on but yet I am still getting the run around. Both companies are giving me the run around and they clearly do not work with one another. Resident Shield claimed that it was on QBE to check the call but it’s Resident Shields call not there’s so I’m a bit confused. So, I call QBE again ad they say they can’t help me regarding those matters. So, I now call resident shield three more times (because I’ve been dropped on two calls) and all of a sudden everyone knows what I am talking about and they see the call yet can’t play it or get a supervisor on the phone so someone will call me (once again). When the supervisor finally gets on the phone after two weeks they pull the normal we will tell you “our conclusion” speech”. Which is funny because two calls ago no one knew what I was talking about or that they could check the call logs. The supervisor gets on the phone and tells me they have been heard but not by here, by claims and they said it was denied once again because they reviewed the calls and the endorsements were mentioned. I ask to hear the call then and there goes the next problem, now all of a sudden its not Resident Shield with the call anymore, it will be hard to play it out loud, and the need permission from “claims” to play me the call (regardless of me being the on on the call). If you would like to save time, money and be stress free when an awful situation happens to you then please do not go forward with this company. They will send you in circles, make you flip over backwards, find documents from years ago, contact all sorts of companies before processing a claim or even answering a question. There’s much more to say but it is useless.
Run away from this business
i have been with QBE/ANZ for my landlord insurance for more than 3 years. I tried to claim my floor as it was damaged due to leakage. I was rejected in for my first time as they told me no leakage identified and the damage was caused by wrong floor installation. My builder came to fix the floor and saw it all water underneath once the floor was opened.
I tried my second claim as it was all water and i had picture to support my statements this time. QBE sent people (might be the same one who claimed no leakage) to check my property and rejecte...d my claim again. This time the reason was the water proof was not doing well for my bathroom which did not reach the Australia code. After read the reviews, clearly, not reaching the Australia code requirement is the most common reason they used to reject claims. I will move to another company as i have no trust in this company at all. I could see they tired their best to not help, this is not the insurance i am looking for.
ANZ (QBE) Home and Contents up 20%
Got renewal. Premium up 20% with no explanation from customer service. And they don’t mention the increase, you need to check the premiums yourself or they’ll just slip the increase in hoping you don’t notice. I suspect this is a profit clawback due to recent bushfire payouts. We live in metro Melbourne so no increased risk here. I gave them the chance to lower premium. They reduced it by 5%. I went with Youi and saved $800, like for like. ANZ will insist that their policy covers replacement of building without the need for you to specify limit.... But they won’t tell you what estimate they use in calculating your premium. Of course they use one, insurance is a mathematical probability business. They obviously add a significant buffer hence the higher premium. Thing is the statistical probability of you ever needing full replacement is very low. Don’t throw your money away. Shop around.
They use Sedgwick to commit fraud from customers
They use 3rd party Sedgwick to commit fraud on their behalf. Deliberately will deceive you. They do not focus on customer satisfaction. Take photos and create a portfolio of evidence.
After 30 years my first claim, a hail storm, rejected. NOTE its ANZ\QBE neither company should be in insurance. Out of five tin rooved houses on my side of the street thanks to QBE I'm the only one not getting a new roof, the advice I received from the insurer was to fix it myself and paint over the stains on the ceiling. Not only am I shafting the insurer but the bank who recommended them as they just fobbed me off when I asked for assistance. I seek comfort in the fact that both originations will loose more income from me moving forward than fixing the roof would have cost them. If I sold a product with no intent of honoring it I would be in jail.
If I could give 0 I would
How can u warrant expecting people being happy about the flooring only being replaced in one area because of a doorway??? my house that is all laminate flooring is in every room even my games room but because doors had to be added for the air con efficiency now renders this room not part of the repair agreement!! I am not having 2 different flooring planks loosing house value cos they have a pathetic rule I want it fixed to the original state it was built in not your cheap fix I pay u so if I have a flood in my kitchen u fix it back to before ...the flood not we will piece it any who with whatever is a close match to your original don’t know how many insurance co are trying this crap but I’m going to consumer affairs next I want what I’m paying for full cover!!! Anyone thinking qbe don’t do it go elsewhere I’ve been with them for many years after this soon to be no more!!!!
Pity cannot go below zero - terrible company
I had my storage insured with QBE to discover upon making a claim that they refused to pay despite photographs clearly indicating damage. From other reviews and ratings it is clear that I am not the only person to have experienced such lack of accountability, responsibility or customer care. Our recommendation - do not go with this company.
Watch out - It is not what you signed up for with QBE.
I took out LANDLORD insurance with QBE only to find out when I had a claim that they had only sold me house hold insurance to make it cheaper than the opposition. So I made them go back to the recording of the conversation when I took it out, and sure enough it was to be LANDLORD insurance so they requested for me to pay the difference before they looked at the claim. Then they did not pay for malicious damage, due to hidden clause "Optional Benefits"
Have been with this company for 5 years now. But after the first claim, realised that everything was hard and im leaving this company. It all started with water damage to the house and after multiple calls to them, they ensure me i can delay the repair as long as possible since i got the source fixed. We delayed because of the new baby arrival. After a few months, got an email saying we need to claim it within 6 months. All the phone calls before this became invalid. All false information provided from phone service. At the end, they said on page 50 of the contract it mentioned that all claim need to be done within 6 months and they 'assume' im aware of this when I enquiry over the phone.
They used to be a nice company. Not anymore.
I've changed this review from one Star to Five Stars. Read all notes and replies below.
Been with QBE contents for 31 years. 1st claim in about 18yrs and you throw some accidental damage clause at us. Never heard of this nor has it been explained to us, one would think it's part of the policy. We also have car insured with you and I have my 4th annual travel insurance with you(which you are dis-continuing). The claim is for water damage after the washing machine hose had fallen behind the machine. One this was realized he rushed to try to move...the heavy machine to get the hose. Breaking to lid on the machine. It's all the fine print....need to be a lawyer to understand that fine print. Once the claim is settled I will be parting company with QBE after 31 years. We've been loyal to you but your don't care about us. You also say it would be a separate claim and another excess even though it all happened in the one go. Shameful QBE...you used to be a nice company.
Have gone to the dogs
There is no value in this insurance now,have been with these people since they took over my policy's from Zurich 24 years old who l miss greatly ,now l have only one left from seven and l will be cancelling today as they now have an overseas call centre who pass you to there supervisor if it gets to hard or it's not in there program ,and you never here from them again ,so one star is to good they do not rate ,they are that bad ,from a client of 30 years plus !!!!!!!!
Increased fees by 25 Percent since QBE took over ANZ!!
Be warned our ANZ Home Contents Insurance (Run by QBE) has increased by a whopping 25 percent this year alone! Ever since QBE took over ANZ Insurance they have gone downhill I read.
We cannot afford that sort of increase every year! We are pensioners,
I rang up and asked how they justify this increase instead of the usual 3 percent inflation rate?
Got the usual avoidance answer: "Each area increase is determined by claims etc!"
Why don't they then provide this proof by showing us their stats? NO WAY.
Anyway I even spoke to the supervisor, "sorry they cannot help reduce it".
Be warned 25 percent each year increase is a joke. What about the following year, 50 percent?
No wonder Insurance companies have a bad name.
Jacqueline what a service 11/10 service thank you
Had a broken window thanks to the might of mother nature.
Had a bit of a wait to get a hold of an incredible customer service representative. I gave her a 10/10 on the phone survey but feel that seems a bit weak.
The call was received after 45 minutes, some people would be frustrated out of their minds for this but how many calls do you think they have had? Exactly, the world is not about you.
Jacqueline was very helpful, and super patient with the house owner who could not speak an ounce of English. After soldiering on for 5 minutes of excruci...
Never let me down
All incidents are not a claim ,even if you think or want them to be there has to be an appature opening due to storm damage not just that water penetrated during a storm (bad building is too common a reason) normally a burst pipe is not however resulting damage is ,wind damage for most part is ,theft, malicious damage etc is covered with police report .they are a big reputable company and your genuine claim is not bigger than their reputation.i and my family have been with them forever, always helpful. I will say outside assessors can be the problem ,them qualifying there existence ,ask for in house assessor if not happy i say the company is great but every thing is not a claim
CLAIM, WHAT CLAIM
Went to claim in 2017 after nearby cyclonic high winds had caused water to leak in garage roof .....was refused the claim as apparently the builder in 1972 had failed to seal the flashing correctly, pleeeease! Despite the rejected claim it still appears on your renewal for four years as a claim????? After the initial policy the cost of the premium jumped ridiculously so time to shop around!
change to underwriter policy regarding rewiring of home
I have been with QBE insurance for 15 years. I recently received a form letter saying QBE will no longer have the option of 6 monthly payments. I called to see what my options were and also to get a new quote with a higher excess as I had been shopping around and QBE was about $500 more annually than Budget Direct or RACQ. I was told they couldn't assist me and it was best to ring for a brand new quote. I tried online for quote but system advised unable to quote, so I rang and spoke to a very helpful guy Joe. He went through the questions for a...new quote, my house was built in 1935 and this triggered the question, Has your house been completely rewired? I replied no but it has been fitted with a safety switch. Joe referred to his supervisor and came back to say QBE could no longer insure me due to no rewiring and that they have had a change in their underwriters policy about accepting additional risk and that all houses built before 1945 need to be rewired to insure with them!!! I was speechless! I had been very happy with QBE and had a major storm damage claim in 2014 that they processed to my satisfaction. I now have to find a new insurer and wonder if this is an ongoing insurance industry issue.
They do not deserve even a single star!
We wish that we had seen this page much earlier. I am shocked by the number of bad reviews that I have found here.
Why should such a insurance company be allowed to be in business!
We had our home and content insurance with ANZ/QBE for more than 9 years. We took QBE insurance via ANZ bank, and I should be honest that we were fooled by ANZ bank assuming such a reputable bank will not leave us in the hands of such bad insurance company.
We had a leak in our bathroom almost 2 month ago, and QBE contracted Midcity to investigate the issue. Just g...oogle Midcity on Facebook and find out about them yourself. The Midcity report is full of wrong statements on my behalf and false claims about the situation. I have written evidence from my builder that contradicts QBE claims, but yet QBE only refers back to Midcity report which provides no actual evidence and it is only opinion of the plumber. If you just google Midcity and read their reviews on their own Facebook page you will realize why you should not trust QBE.
Disgusting, be warned
My mother holds home insurance with QBE. She died recently and we are in the process of selling her property. In the interim I dont want the insurance to go into arrears as she paid monthly. I contacted QBE to attempt to make payments to prevent this. They initially refused to assist until I demanded to speak to a supervisor. She was little more help. Long story short, I have now complained to The Ombbudsman. This shouldn’t be so hard, people die every day. I’m not trying to steal from them, I want to GIVE them money. DO NOT insure with them. The amount of poor reviews tells the story.
Disgusting insurance company
This is the worst insurance company I have ever uncounted and I will be reporting you to the consumer affairs because I am disgusted my grandparents are insured with your company and had there house vandalized I will post pictures of the damage and have lodged a claim paid the access that use wanted took 3 weeks for your company to send someone out just to LOOK at the damage and she got a call this morning by your company demanding more Money before you fix the damage so my 2 year old is constantly at risk of being cut by the left glass in the ...windows our front door barely locks so the house is constantly at risk of being broken into my grandparents are in there 70s and on a age pension your company is basically robbing them blind use should be ashamed they pay there insurance every fortnight and use still rob them blind
Questions & Answers
I have breakinn theff took most of the stuff. I just read all reviews I bit scared now . Will qbe accepted my cliam. If they don't what should need to do. Do I need to hire a solicitor. For my cliam.
Hi Prince, as with all claims, you will need to submit a claim form with supporting documents for assessment and a determination will be made on your claim. You can find the claim form here - https://www.qbe.com/au/claims
Is there enough dissatisfaction with QBE and their tactics to present a complaint to ASIC
I’m told I was going to get a call to respond my claim but just like I expected no call and no follow up
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