Skylights – Choose Velux

Skylights – Choose Velux

In the recent hail storm in Melbourne my own home was in the thick of it and so far we have replaced over 250 slate tiles. I intend replacing two areas that can be seen from the ground, with iron to reduce the risk in the future. One thing that I am pleased about and thought I would share, is that despite having six glass […]

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Is our approach to claims mitigating costs and improving the customer experience?

Is our approach to claims mitigating costs and improving the customer experience?

I have never had so many discussions, with so many residents in my suburb like over the past week or so. As soon as it started going around that I was in insurance and insurance claims, the questions and complaints on service have been growing. Here are just some of the issues: with the homes, some customers have had up to nine different people come […]

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The level of uninsured and under insurance is of increasing concern

The level of uninsured and under insurance is of increasing concern

2020 has certainly had a start many people will not forget in a hurry. While looking after bush fire claims, my own home and every other house in our street was smashed by hail. Both my children live in the same street and so we are all in the same boat. We also had 2 cars damaged; one a write off. What is of increasing […]

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With the rains come new risks – landslip

With the rains come new risks – landslip

It is expected that much needed rain is going to fall over the areas badly effected by bush fires this summer. Without the grasses, bushes and trees to hold the soil in place there is a much greater threat of landslip and inundation from rainwater. Please keep this in mind if you are travelling or live in a area so effected.

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Our politicians are so out of touch!

Our politicians are so out of touch!

It was reported last week that Assistant Treasurer Mr Sukkar (Liberal) called on the State Government in Queensland (Labor) for the removal of stamp duty on insurance in North Queensland. When asked the appropriate question as to whether he would ask the New South Wales government (Liberal) to do the same he said that it was not such an issue in that state. First up, […]

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Isn’t your home worth good insurance?

Isn’t your home worth good insurance?

The old saying goes that every person’s home is their castle. Castles were made to be protected, as like the modern home, they house the people and possessions that mean the most to us. A good insurance policy by its very nature is the last line of protection. The reality is that even the best maintained property can be subject to an accidental fire, storm […]

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Large gum trees in residential areas pose a threat to life and property

Large gum trees in residential areas pose a threat to life and property

Like most people I am all for protecting the environment and greening our towns and cities but we do need to balance this with the risk to life and property. Today in much of South East Australia strong winds are again forecast. As a child growing up in Brisbane I always thought of August as Kite month. While the weather is great for kites it […]

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Beware harsh exclusions that turn the policy into junk insurance

Beware harsh exclusions that turn the policy into junk insurance

Over the past few years more and more claims have been brought to my attention where the client cannot believe that their claim has been denied. The cases that I refer to are ones where the claim has been denied for faulty workmanship, faulty design or faulty products/materials and there is no write back provision for subsequent damage to the property from a peril not […]

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Where insurance can appear unfair and not in the best interests of the consumer

Where insurance can appear unfair and not in the best interests of the consumer

There are a couple of areas of the law that can appear to be unfair to an insured. A recent case has highlighted one. In Globe Church Incorporated v Allianz Australia Insurance Limited & Anor [2019] NSWCA 27 Globe Church argued that time started to accrue when the ISR insurers breached their obligations under the policy by not indemnifying Globe Church and not from the […]

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The floods in Townsville should put an end to any talk of a mutual

The floods in Townsville should put an end to any talk of a mutual

Over the past couple of years there has been much talk of setting up a mutual to cover property risks in North Queensland. The reality is, had one been set up, this one event occurring in the first year of operation would have more than likely bankrupted the mutual and those that Insured through the mutual would have lost their premium and found themselves inadequately […]

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