At the moment we are in the market for Home & Content Insurance.
After do some research, we finally come up with 2 choices, which is QBE or AAMI.
Hope someone in this forum can give us some input & suggestion between these 2 companies.
Any advice or personal experience are more than welcome!
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Below is our current situation and followed by some finding between 2 companies (our own opinion).
Situation
Currently we're building in Williams Landing estate. This is a pretty brand new estate, so at the moment there are lots and lots of construction work on the site. At the moment we have no direct neighbor, only an empty land. Handover will be around 2-3 weeks time, and fencing will be up in 8 weeks time. We were thinking that it would be nice to have the lowest excess as possible for the first year because we never know what might happen.
QBE insurance
-. Need to specified the building amount to be insured
-. Zero excess feature
-. Great customer service (sales), but not sure if it comes into claim department
-. They offer 'Valuables insurance' feature to cover your mobile phone, camera, laptop, sporting equipment or jewellery from accidental loss, theft or damage away from home.
Here is the feature & benefit from their website
(http://www.qbe.com.au/Personal/Home/Features-Benefits/Insurance.html)
AAMI insurance
-. Total building replacement
-. No zero excess, minimum excess is 100
-. Great customer service (sales), again, not sure if it comes into claim department
-. No claim bonus
For comparison, we do some quick quote with $100 excess for both building & content and it comes up with the following figure:
AAMI: $1048
QBE: $1004
Any comments?
Cheers,