Car insurance nightmare
I had a car accident in Tennant Creek on 26/ 8 /21....it is now 7/10/21 with no effort made by TIO to send the car for repairs in Alice Springs. They have no idea of geography,claiming they need a local repairer rural. I am without transport and no assistance from them. I should have read the reviews before signing up.
A Total Disgrace
The break and enter to our home was difficult enough to deal with. What transpired over the next three months was nothing less than appalling and way more traumatising than it ever needed to be, with extremely poor management by the insurer and their choice of repairer who offered the worst imaginable concept of employee engagement, works delivery and communication with ourselves. Total contempt for the homeowner on all fronts by both the insurer and their allocated repairer. The first month was spent by the insurer valuing the extent of the ...repair job and then deciding on engaging the repairer of their choice - something I would not encourage a homeowner to allow for in an insurance policy agreement. Six weeks after break in we were advised that the window frames and glass had been ordered but had not arrived in Darwin. Then we were asked by TIO to pay the $1,000 insurance claim fee to the repairer, as well as copping an 18% rise in cost of our premium after more than five years with no house claims made by ourselves. Another month went by and works commenced late in April, some two months after our claim was presented to TIO. Another month transpired and the job was finally completed mid May. I complained in detail to TIO about the conduct of the employees assigned to our job by the repair group chosen by TIO and it had very little real interest in return from any party, TIO included. No interest was shown in follow up after the job was finally completed, or expressed by TIO, as to want of customer review or satisfaction of the delivery and quality of the important works undertaken at our home, or for anything else at all. The only correspondence received by ourselves after job completion from TIO was a short email to tell us that “all requirements were satisfied, the claim is finalised and we will now proceed to close our file”. Well, that is their opinion, after all, they are the insurer. We are just the homeowners. We are now seeking another insurer.
Very Greedy company
Had a very disappointing phone conversation with TIO regarding an issue that happened to my house in Darwin and I thought I would see how other people reviewed this company.... And guess what, the first review I read was identical to mine........"Two close identical issues on the same pipe in a very short timeframe apart are counted as 2 issues and thus 2 premiums to pay...no! That's just greedy. Not what I'm paying for"... Would not recommend
Unfair claim assessments
Two close identical issues on the same pipe in a very short timeframe apart are counted as 2 issues and thus 2 premiums to pay...no! That's just greedy. Not what I'm paying for.
Car insurance claim
Had an accident on 26 of June 2018. It is the 2 of August and nothing has been done, each time I ring Tio insurance, I'm talking to a brick wall.
Highly recommended for car insurance. My car was written off & they made process of claim easy & hassle. I got good value for my car. Can say there are some companies who cares for customers over their profits.
Not Happy So Far More To Follow As The Saga Unfolds
. Policy felt like good value, in its initial stages
.Policy was easy to set up, a little to easy in my opinion
. Partial satisfaction - cant seem to get consistent answer though.
Even sent DASH CAM footage to support claim, in case of dispute, two separate consultants have viewed it and the other party has not disputed fault.
"They just don't seem to want to pay up "
I don't understand what the delay is and they cant explain it either, it just goes on,
The (Slightly Flawed) Dream Insurer
We have had home contents and car insurance with TIO for many years. Earlier this year, our house was broken into, and money, items and our car were stolen. The car was then trashed. What follows is the story of the claims we made for compensation.
We lodged our claims through the Internet and by phone. The process was reasonably painless, and the TIO staff uniformly friendly and helpful. Their attitude seemed to be that a claim was as natural and normal a part of their business as receiving premiums; they were sympathetic to our losses, and...helpful in guiding us through the bureaucracy of completing the necessary paperwork, and lodging the necessary forms. At this point, there was a bit of a delay. A major catastrophe had struck in Alice Springs, far to the South of us (we live in Darwin), and all the assessors were busy. After a little prodding, and a few weeks, however, all was resolved, and we had our pay-out. During this stage, the staff once again were both apologetic for the delay, and sympathetic to our plight. The pay-out, for our stolen vehicle and house-contents, was very reasonable, and, allowing for the uncertainties of the value of things, left us content. TIO, so far as we were concerned, had played us most fair. We thought they deserved a 5 out of 5 rating for their fairness. That, however, was not the end of the story.Today, a month or so later, I received a phone call from them. It seems that in the shuffling of paperwork for the claim, the paperwork for one of the stolen items had been misfiled in their office, and been overlooked in calculating our pay-out. Now it had come to light, and they were going to pay us for it. I think that deserves another half-point. So, I am giving them five-and-a-half points out of five.
Customer service and a great product.
I'm not usually one for public product reviews but after being messed around by several different companies with travel insurance claims, I can honestly say TIO is the only company I'll ever use again. Excellent customer service, fast claims turnarounds and no horrible off shore call centres! Please keep up the great work TIO.
I have had TIO Landlord Insurance for a property in Darwin for a number of years and have had the misfortune to make 2 claims during the the past year. One was an electrical problem with an Air Conditioner and switch board, and the other with tenant damage to a door and vertical blinds. Photos were taken and a proffessional trade opinion was obtained in each case. Details were submitted with the claims, which were promply settled.
The staff were exemplary, pleasant, knowledgeable and punctual with all their dealings with me.
Never waiste your money here
Aftrer having house insurance with TIO for 5 years and never making a claim, we convered our policy to landlord insurance this year and unfortunatly had the tenents from hell. After only being in the house for 7 weeks, they have done over $8000.00 of damage which TIO wont cover, saying it is reasonable wear and tear. Buyer beware- TIO are full of promises and deliver nothing. By far the worst insurance company I have ever had the misfortune of using,
They cover nothing- dont waste your money
Good Honest service
I have been with TIO for many years,I have 2 cars and housold contents with them.
I have made a few claims over the years and found them to be excellent.
I wrote my car off 2 years ago and they paid me the market value for my car 5 days later.
Quick resulition of claims,easy to deal with
Questions & Answers
Do you insure (Housae and Contents) in Queensland?
Hi Cyril T.I.O Territory Insurance Office is Based in the Northern Territory and only insures items in the Northern Territory.
Perhaps you are confusing it with G.I.O which is Government Insurance Office www.gio.com.au which is based in Victoria but may insure and have offices in each state.Check the link to find out more.
Hi do you have for both claims ( home and contents) flood
Fusion, temporary accommodation, accidental damage and jewellery to a limit
Hi T.I.O (Territory.Insurance Office) is Government owned insurance provider for residents of the N.T.
I have Contents insurance which covers Floods,Cyclones,Theft,Loss and Damage (Fusion etc).
I do not have Home (building cover as it is covered by the Body Corporate)
They do cover Jewellery but you must specify when you take out cover.
Get an answer from our members
|Category||Home and Contents Insurance|
|Other Insurance Types Offered||Business, Car, Home and Contents, Income, Landlord and Travel|
Other Home and Contents 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.