Deleted member 69390
Not sure but I believe it is required when you take out a policy rather than when you make a claim. I think there was something about it pages back in this thread.
I’m 99.9% sure insurers have the ability to do just that Australia wide.In Qld, insurers can, and often do, request a traffic history from Qld Transport and/or a criminal history from Qld Police to support an insurance claim due to inconsistencies between the insured’s version of events and the police’s investigation. Not an unknown request.
Sorry, badly worded on my behalf. Meant to say:I’m 99.9% sure insurers have the ability to do just that Australia wide.
Sounds pretty piss poor to me to force a customer who has already paid their premium/excess to then pay to get a drivers history report from the relevant state registry because the insurance company couldn’t be bothered gathering the relevant information themself.
And that was because there were no inconsistencies between your son’s version and the police report. No need to look further.With a recent claim my son had with GIO they asked for all the details of the incident and the police report number and that was the end of it.
The payout figure they were looking at was around 150k
I know of one ex club 4x4 member that had to supply a $60 driver offence report from WAPOL at his own expense before his claim would proceed. And IIRC, didn't Aaron also mention that in his "I had 2 claims report", linked a page or so back?
Seems to me its SOP for club. I've never heard of anyone else making a claim elsewhere having to provide thus evidence of their driver record.
I think they are just covering their bases, and I expect insurance to become a bit more complicated in the coming years, in general.
Thanks for the clarification, I read it as the total opposite. I’m actually surprised that insurance companies can’t access traffic records. After all there are only a handful of underwriters backing these insurance providers who are also dealing with insuring the same government departments.Sorry, badly worded on my behalf. Meant to say:
In Qld, insurers can, and often do, request the insured person making the claim to obtain their own traffic history from Qld Transport and/or their own criminal history from Qld Police to support their insurance claim due to inconsistencies between the insured’s version of events and the police’s investigation.
To my knowledge a third party, eg an insurance company, can NOT access traffic or criminal histories of individuals. The insurance companies can access the police’s traffic accident report but pay the government a fee each time they request a copy.
Got asked all of these at my last renewal on three cars three different companies... Including for my son who is only 17 on his l'sI actually see it moving to more personal rather than vehicle based; this is the norm in the UK and a few other places.
As people want to see lower premiums, there will be more questions and less general cover than there is currently. The main questions I don't get asked when getting insurance here in Australia, but I did in the UK are:
1) What do you do for a job?
2) Where do you park if you drive to work?
3) How many km's are you doing in a year?
4) Who else is driving (and then 1 & 2 again)
I see now that they are going to soon offer Drone & Selfie Death Coverage.
well after Two years with club 4x4 and very happy with there service , the time has come to leave them. My premium has gone from 85 per month , to 157 per month for less cover. This insurance company knows how to get rid of clients. I can tolerate a small increase but to double my premium and give less for it ,that is not on . If you want to be a specialized insurer you still need to be competitive.
Any way they will not be around for long if they keep this up . Even with specialty cover its just to over the top for the average 4wdriver.