insurance claims

[shannon]

ive done some searching of the forums, and yet to find a thread specific to experiances when making claims with various insurers (feel free to close if there is already a thread)

basically, just thought id start a thread where people could post about their experiances weather good or bad when its come to making a claim with their insurance company ... could be another consideration for people when they decide which company to go with, if your lucky enough to have a choice that is .. ??

guess i should start it off, i was with unique car insurance and had a series 4 RX7 stolen from my work carpark, and was found the next day by the police torched about 5km's from work.

a reasonably straight forward claim you would think ... but took me over 4 months to receive a pay out that i was happy with.

i was interviewed by one of their investigators, made to feel like the criminal instead of the victim, they tried their best to wear me down and make me accept a figure of half what i beleived the car was worth and drew the proccess out for as long as they wanted.

in the end i paid for an independant evaluation to try and establish what my car was worth at the time it was stolen, submitted this to the insurance company and they finally come up with an offer that i was pleased with, but only after months of heated phone calls and having the manager of unique hang up on me numerous times.

anyone else have horror stories when trying to make a claim ?