Best Home and Contents Insurance

easy to deal with via phone, helpful, efficient and polite.

QBE offers lower price compared to our current insurance company hence we switch our home and contents insurance to QBE.

Very easy to set up and was pleasantly surprised that your quote was significantly lower than Alliance.

Appalling home building & contents claims experience. No straight answers, evasive, constantly changing goalposts, ignoring safety issues. Fine until you need to claim, but when you do, beware. I wouldn't insure with Youi again.

I have had home and contents insurance with Kogan for the last two years. Very happy' BE WARNED. Kogan was underwritten by QBE insurance, a company… Read more

with good reviews. Kogan has changed their provider to Allianz insurance. My renewal notice has increased dramatically. I will be going directly to QBE.

Very disappointed to learn post purchase, that I had to pay a fee to SET UP my membership. In the big scheme of things, I think a new client, is just… Read more

that! I can't understand why I need to pay you for the privilege of paying my PREMIUM each month to you. Australian insurance is a disgrace!

My experience with RACV has been devastating. I would give zero stars if I could. For almost two years, my family and I have been dealing with a… Read more

severely damaged and uninhabitable home while fighting to have my insurance claim properly resolved.

I took my complaint to AFCA and received a determination in my favour. Despite this, I have now had to return to AFCA regarding RACV’s compliance with that determination and its ongoing handling of my claim.

Throughout this process, I have also raised what I believe are multiple breaches of the General Insurance Code of Practice, including concerns about delays, communication, claim handling and the treatment of a customer experiencing significant hardship.

Meanwhile, my property remains seriously damaged. We have endured black mould, damaged and missing flooring, an unusable kitchen and conditions I do not consider safe for my young children.

I estimate my property damage and consequential losses now exceed $500,000. The financial loss is enormous, but so is the psychological stress, disruption and hardship this prolonged dispute has caused my family.

What makes this experience particularly disturbing is that even after obtaining an AFCA determination, I am still fighting to have this matter properly resolved.

Insurance is supposed to protect you when disaster strikes. My experience has been almost two years of delays, disputes and stress while my family continues to live with the consequences.

I am now pursuing further complaints and substantial compensation arising from what has occurred.

If you are considering RACV home insurance, I strongly encourage you to carefully consider my experience before trusting them with your home and your family’s security. AVOID THIS COMPANY AT ALL COSTS OR YOUR FINANCES, FAMILY AND SAFETY WILL SUFFER!

Friendly and thorough review of my insurance leading to substantial savings. Policy is definitely good value. Easy process (over the phone). Been with Youi for several years.

Unable to talk to any real person. Forces you to talk to an AI chatbot. Phone numbers are hidden and staff are unhelpful. Large increases in premium after one year.

After 7 months I am still awaiting a complete Scope of Works. I even received a letter of apology from RACQ their umbrella company reassuring me that… Read more

they will action the claim immediately but that was six weeks ago! I email on a weekly basis and do not receive a reply. ABSOLUTELY DISGUSTING BEHAVIOUR.

Extremely poor experience. Customer service is horrendous; wait times to even speak to anyone on the phone is often 2 hours. SLAs on responses are… Read more

non existent. Dishonesty from Allianz the whole way through, trying to constantly rip you off and not properly fix the damage caused (hence why you're insured in the first place). We paid a premium for Allianz thinking that the product was worthwhile but would never insure with Allianz again and will tell everyone I know not to insure with them.

Heartless company. I rang to say my husband was in palliative care because he was dying and as I would be moving and the contents would be moved I… Read more

asked to cancel the policy. As the policy was only in my husband's name they said I couldn't. Now looking at the bank account I found they have debited the premium. I have contacted the bank and I can dispute the transaction. I will also contact AFCA to tell them what was done.

After being insured with Real home and contents insurance for around 20 years without making a claim, last year we claimed $400 for food spoilage as… Read more

our freezer stopped working. This year our premium was increased by more than 38% ie $666.13 increase. I contacted real insurance and they said that it was GST plus cost of repairs or replacement for claims ???? Wth. They did take $3 a month off when I complained (big deal) it seems to me that we are being penalized for making a claim after 20 years of not making a claim. I will definitely getting some more quotes to change to a fair insurance company.

Wow really impressed this year, renewal came through, price marginally dropped yet my insured building and contents had raised automatically. Very… Read more

unlike their competitors who don't drop their premiums and have never increased my insured amounts. Yet to make a claim, and hoping we don't need to, but should the need arise I hope the experience is as good as everything has been so far. Thanks.

Avoid Avoid Avoid Got nowhere. Its been 12 days since claimmand still mo make safe. Going around in circles.

Speedy in approving the claim (about three weeks), but absolutely appalling execution of repairs by their third party, Midcity Group. No… Read more

communication, no project management. Repairs that should have taken a month will now take four months. So bad that I have asked NRMA not to make any progress payments without consulting me as I’m not happy! I’ve been an NRMA customer for 20+ years.

CGU are absolute wonderful, I had top make a claim for my contents, when I had a house fire here, and the whole process of making the claim, was easy… Read more

and not stressful and the staff were great. I had my insurance with them over 20 years, I got quotes from a couple of other places that were $600 to $1700 more, and so I have stayed with them even after the fire. I was paid out around 1 to 2 weeks.

AAMI have not responded to any issues, no final out come, they lie cheat and steal to grow there share market growth. in the last 18 months the… Read more

company have grow 250% that result comes from taking everyone's money and not delivering on there costumers claim. they should be shut down to operate. to top it off all they did is drill an asbestos switch board the exposed the family to airborne dust and asbestoses, id say i wont be around must longer.... there add says ''luck your with AAMI'' this gives me PDST every time i see this add My experience with AAMi Insurance has been extremely disappointing and frustrating.

I lodged a car insurance claim FOUR MONTHS AGO following an accident, and after four months I still have no proper answer or resolution. Every time I contact AAmi , I get the same response: “Your claim is under review.”

Under review for FOUR MONTHS?

There is no clear explanation, no proper timeframe, no meaningful progress update, and seemingly no urgency whatsoever. I have spent months chasing a claim that should have been handled professionally and within a reasonable timeframe.

What is the point of paying for insurance if, when you actually need to make a claim, you are left waiting for months with no resolution?

In my experience, the customer service and claim handling have been extremely poor. Being repeatedly told “under review” is not customer service and it is not an acceptable way to handle someone’s claim.

After four months of waiting and chasing, I have completely lost confidence in AAMI Insurance.

Based on my experience, I absolutely would NOT recommend AIG to anyone looking for reliable car insurance and proper support when they actually need it.

After a weekend away, I came home to water in the lounge room and under the stairs. After I set up a claim with Allianz, Christian from MK3 called.… Read more

Upon inspection, he acted swiftly to prevent further damage. I'm still having my home repaired, but Christian has been fantastic throughout. I cannot fault MK3.

After being insured with Cole’s for around 5yrs, I had to put in a claim for a burst water tap that flooded half my house. Dealing with Cole’s… Read more

insurance (auto and general insurance) was easy. They were very fast in actioning the emergency drying repairs and was all done within days. The only issue was that Cole’s organised a company called Insurebuild to organise quotes and repairs. Once everything was approved by Coles, Insurebuild tried to get me to sign a contract listing the works they said were approved by Cole’s. I refused to sign it because half the repairs that were approved by Coles were not listed on insurebuilds contract (Cole’s had sent me the scope of approved works so I knew what was supposed to be on insurebuilds scope of works). After waiting ages for them to sort it out, I gave up in the end and asked Cole’s to give me a cash payout and I organised my own local tradies. Coles organised the cash payout within days. I now have tradies all ready to start over the next couple of weeks. To sum it all up Cole’s were a breeze to deal with, but they should stop using Insurebuild as they are very unprofessional. This type if company reflects badly on Cole’s.

Instead of getting a renewal like a normal company, Suncorp made with me ring them to renew my policy to confirm that I have made repairs from our… Read more

one and only claim in the last 10 years. Then they increased our policy even more after I asked for a reduction because our we have a carport for 2 cars that we don't even use!!!!!! 20 years of loyalty and the policy went up over the phone $1000 because of carport? WHAT THE????? So much for loyalty. We had 70 000 of Crimsafe put on our house and did that make a difference to our premium NOT ONE BIT!!!!! Neither did 10 000 of security cameras. FIND SOMEONE ELSE!!!!!! This makes me so sick! NOT GOOD VALUE. Have been with them for over 20 years. Completely and utterly insulted.

DO NOT GO WITH RAC IF YOU VALUE YOUR CONTENTS. They have been an absolute nightmare, not only do they have terrible customer service they will do… Read more

anything and everything to get out of paying a claim. It is all money down the drain. I hope this review saves as many people as possible to avoid being in the same situtation. I have had family in a similar situation have the best experience with NRMA.

"Unemployed pensioner, 38 years of loyal history, forced to call every single year just to stop them price-gouging me, saved over $500 instantly by switching to RACV"

The worst insurance company in Australia! We have been with them for 20 plus years. They are happy to take your money but when you put a genuine claim, they will find all sort of excuses to define it or drag it out. Don’ t deal with RACQ!

Was contacted end of March that I had money owed from TIO from an old cheque from 2021 that had gone to my old address. Rang and gave bank details… Read more

the very next day. The issue has taken many phone calls and an official complaint but I finally got my money today, almost 3 months later. I put this down mainly to the initial staff member (who I checked in with multiple times) taking no action other than "I've emailed unclaimed moneys again". Neither he nor 'unclaimed money' department followed up with me in any way.

Later TIO staff I spoke to were helpful and the complaints person from Allianz was friendly. That said I'm a bit miffed that the Allianz compliant staff member said the long delay was due to me giving the wrong address. This could be addressed in minutes, months ago, by letting me know they needed my old address, rather than my current one. Pretty basic stuff given that I had already told them that the cheque had been lost due to it being sent to my old address where I lived in the Territory.

Apologies to the the staff that were friendly for the 1 star I but didn't get any indication that there would be any changes on their end going forward to avoid this happening again to other customers.

We held this insurance for years. We never made a claim but even though St George Bank itself has excellent customer service we found the customer… Read more

service for their Home and contents insurance to be very poor - long phone wait times, poor staff communication skills (cheap offshore customer service employed) and customer service wasnt accurate / didnt meet our expectations or needs. One of the main problems was that we were unable to pay extra to change our deduction date 3 days forward "its not possible". We decided to go straight to Allianz and saved over $80 per month with better insurance and customer support (e.g home build cost $100k higher etc). More importantly, Allianz has a portal that you can log onto - no more 40 - 90 minute phone call if you miss a payment.

Excellent, Outstanding service – Had an excellent experience with CARTS. We moved from Bunbury to Melbourne and some of our goods were damaged in Transit. I contacted CARTS and was… Read more

given a month to submit my claim. After some clarifications such as a couple of more Photos, replacement costs, and repair costs etc my claim was settled in full. They exceeded my expectations, Thank you Kevin

Excellent – Following the horrific weather that we experienced in Springwood QLD early in 2022, Nthstar Constructions were contracted by our insurance… Read more

underwriters to organize and facilitate repairs to our duplex unit. These repairs were extensive and of major interior works.

The team at Nthstar, in particular Kelly, were very professional, mindful of our situation and prompt in responding to any queries or otherwise we may have had.

Both units in our duplex sustained damage and our neighbor and I wish to thank Kelly and the team at Nthstar Construction for their care, honesty and attention to detail within the scope of works which were carried out by them.

Thank You All, Best Regards, M&J at Rochedale South, 4123.

If I could give RAA Insurance zero stars, I would. Our floor leak was approved more than 9 months ago, yet RAA has still failed to organise trades… Read more

to even get the repair work started. Nine months of waiting for an approved claim to be actioned is completely unacceptable.

What makes this even worse is that this isn't simply an inconvenience or cosmetic issue. The floor has literally tented up at approximately 90 degrees in the middle of a high-traffic passageway near the kitchen, creating an obvious and serious trip hazard. There is a small baby in the house, yet RAA has shown no meaningful urgency whatsoever in dealing with the safety risk.

There has been no proper attempt to make the floor safe, no effective interim solution, and no apparent accountability for why an approved claim has been allowed to drag on for over nine months.

The complaints process has been just as disgraceful. We raised specific safety and service concerns, only to receive a generic response that failed to address the issues we actually raised. When we attempted to pursue the matter further, there was an apparent reluctance to engage.

This is not what anyone reasonably expects when paying insurance premiums and making a legitimate claim. RAA has taken our money, approved the claim, and then seemingly left us to deal with a dangerous floor while they do nothing.

The lack of urgency, communication, accountability and basic customer care has been appalling.

An approved claim sitting unresolved for more than nine months, despite a significant and obvious trip hazard in the home, is simply unacceptable.

I would strongly question choosing RAA for home insurance if this is how they treat customers when something actually goes wrong. We needed an insurer to take ownership and fix the problem. Instead, we have had to repeatedly chase them while the hazard remains in our home.

RAA: Organise the trades, make the property safe and take responsibility. This level of inaction is completely unacceptable.

Great value for money – I've been with this company since 2011, so only 2 years so far. I first heard about them by doing research on canstar and they were recommended and… Read more

had MUCH lower premiums than other companies. My first premium for both home AND contents was under $400!! How they do that, I'm not sure so I was a bit unsure at first and read the policy very carefully. It looks ok to me in comparison to others and for the cover we need. Each year I've done another evaluation and they still come out on top. It sounds like the other reviewers on this site who actually have cover with Australian Unity (Calliden) have good experiences with claims as well, so hopefully if that time comes for me I will be equally satisfied. I did have a very long phone conversation yesterday to discuss the policy in detail and was extremely impressed by the Calliden representative. She was very friendly, well informed and never made me feel rushed.

The only company that was close to comparison in price was Cominsure (now the top canstar company) but they have very bad customer reviews. The only downside I can see so far is that they only have 1 excess for home and contents (so can't be less for contents)- but on the good side, you only pay the one excess even if your claim involves both. Now I'm just trying to get the most accurate estimate of building, demolition and architect costs so I can be sure we have the right amount of cover. Value for money, inexpensive, good customer service Only 1 excess for both home and contents