Morning all;

We received a minor scratch from a m'bike the other month which we claimed on the insurance. Since then we've been getting calls - initially a straight out offer to change insurance companies, with them saying we'd avoid a premium increase if we changed.

A new mob has been calling me this week saying they'll lower the premium and throw in 'por-lor-bor'. They say same coverage etc etc.

So whats the catch?

When in doubt, ask the company to email you a quote written in English so you can examine the proposed policy. There's probably no catch for two reasons; firstly you'll almost certainly face a premium increase with your current provider after your claim whereas depreciation of your vehicle will mean a new insurer can give you a lower quote as the sum insured has decreased accordingly.

When in doubt, ask the company to email you a quote written in English so you can examine the proposed policy. There's probably no catch for two reasons; firstly you'll almost certainly face a premium increase with your current provider after your claim whereas depreciation of your vehicle will mean a new insurer can give you a lower quote as the sum insured has decreased accordingly.

make sure your payment is to an authorised broker or directly to Insurance company. Common for showroom sales staff to "sell" Insurance, but never provide it

KBB, Thats side is legit; coming from a sub-division of previous company; AusB, that makes good sense.

KBB, Thats side is legit; coming from a sub-division of previous company; AusB, that makes good sense.

wll if you can get next years Insurance at reasonable conditions and price, with NCB (no claim bonus) despite making a claim,. it sounds like you have recieved a very good offer

and NCB remains for next year, making it a long time discount