CIL Insurance renewal

I did much the same as Mal. They gave me the same reasons and I ended up staying with CIL.

Bill

And also do an online quote with your own insurer changing your name by one letter if necessary then hit them up with it.
All insurers will drift their premiums higher over time thinking that the longer you are there the more likely you just pay up.
You never hear them dropping premiums because there hasn’t been a hailstorm.
Similarly health insurance, when the age loading was added years back HBF has to increase premiums due to the influx of people. Other changes recently would have caused people to leave which HBF also said meant a premium increase...

I agree that QBE are good. My CIL renewal was to cost $1060. QBE came in at $480!

Alliance, also underwrite "Club Marine" boat insurance, I had a mishap with a reef on 23rd Feb, sent in claim via Boat repair shop with pix etc, now they want motor stripped for further evidence .... but wait for it, at my cost and if they approve the claim they will then pay for claim. Not Bad 6 weeks later and no ferkin satisfaction ;o(

I also checked with CIL for clarification re their "action of trees or their roots" exclusion. The wording is weak in my view. Here is a cut n paste from their emailed response.

In regard to "the action of trees or their roots" if for example a caravan was stored under a tree for a length of time and sap fell on the caravan and was not cleaned off regularly and caused damage to the caravan this would be classed as lack of maintenance, however if you are parked in a caravan park and a branch falls on your caravan this would be accidental damage and would be covered.

If any event does occur CIL recommends you contact our claims department as each claim is assessed individually."

My suggestion is that anyone insuring a caravan, camper etc with CIL or any of the Suncorp coys, since they all have the same exclusion, email them and seek clarification as to their position. Keep that email with your PDS.

In addition to the tree position CIL also excludes any cover when a caravan is being transported on a truck unless it has been damaged in an accident. I had the misfortune to have a breakdown a long way from home and both my car and camper had to be transported home - over 2000ks. The cover provided by the transporter was basic and wouldn't have covered hail, vandalism etc. For an additional $60 p/w CIL covered it.
Apart from these two issues I am a CIL advocate and I continue to insure with them. Their service meets my expectations.

Hi Pedro,
The differentiation lies in the event rather than where it happened. The verbal explanation I received was that they were trying to avoid damages that occur over time such as might happen to an onsite van or similar long term layup. I suggested they had the opportunity to build that into the PDS and even offered to re word it for them but they declined. I maintain the wording is weak and if tested I would be surprised if it would stand up ie a tree is an inanimate object yet they exclude its actions. No one wants to get involved in testing the wording and for that reason it is best to seek the written clarification as I did.

Mmmmmmm. Yes I used to get them too. Suncorp owns CIL and another division of the coy has a funeral cover available so no coincidence. You are correct - funeral insurance is an absolute rort. They stopped calling me after I explained the statistical realities and why the product would come under scrutiny very soon.