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Katie Woolf spoke with listener Garth about his issues with his Home Insurance · 360 with Katie Woolf

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  Speaker 1: You're listening to Mix one oh four point nine now.
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  Speaker 1: A couple of days ago, I received an email from
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  Speaker 1: one of our listeners who's had some concerns well, firstly
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  Speaker 1: with a couple of breakings within a six month period
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  Speaker 1: and then following on from that issues with insurance. Garth
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  Speaker 1: joins me on the line right now. Good morning, Garth,
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  Speaker 1: Hey Katie, how are you really well? Thanks for your
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  Speaker 1: time this morning? Mate? Tell us what happened firstly with
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  Speaker 1: these break ins?
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  Speaker 2: Oh, firstly, both occasions, I was on night shift, so
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  Speaker 2: I was pretty pretty devastating. The here a phone call
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  Speaker 2: from my partner that we've been broken into for the
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  Speaker 2: first time. Just the shock of it all, even the
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  Speaker 2: kids in the background peering out, crying and carrying on
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  Speaker 2: as they would only to get home to find out
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  Speaker 2: they've broken in through the back. Now that the heartache
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  Speaker 2: part was, you know, trying to get selling around that
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  Speaker 2: out of a night to sort of fix the issue
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  Speaker 2: was the broken door. So then you know, like police
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  Speaker 2: come around, they do a thorough inspection of the property
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  Speaker 2: and all the rest that. They were great, couldn't help
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  Speaker 2: us anymore. They passed us on to give us business
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  Speaker 2: cards for victims. Of crime. However, that number doesn't actually
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  Speaker 2: work after ours. Just yeah, so that was another issue
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  Speaker 2: that we sort of had there. But anyway, getting down
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  Speaker 2: to the nitty gritty of it all, basically, once you
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  Speaker 2: got ahold of the insurance company, we sort of had
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  Speaker 2: the normal thing, write down what was sort of taken,
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  Speaker 2: give that to the police report as well. And then
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  Speaker 2: so the first time it wasn't too bad with the
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  Speaker 2: insurance they came to the party, We got the back
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  Speaker 2: door and everything fixed. Most things were sort of replaced
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  Speaker 2: where they could do, you know, as well as they could.
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  Speaker 2: You know, there were sentimental things that were taken or
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  Speaker 2: broken that couldn't be replaced. But then obviously so that
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  Speaker 2: was in back in June, and obviously following that we've
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  Speaker 2: got broken once again in November, same sort of issues.
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  Speaker 2: Nighttime couldn't re sort of get any helped through that,
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  Speaker 2: and then basically the follow up from that we end
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  Speaker 2: up getting a letter sent from too. Well, they came
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  Speaker 2: to the party once again, but then obviously the Christmas period,
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  Speaker 2: we've got a letter sent from them on the twenty
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  Speaker 2: thirty December, basically two days before Christmas, basically giving us
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  Speaker 2: a to the sixth of January, so a couple of
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  Speaker 2: weeks I think it was to rectify this issue, to
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  Speaker 2: give them a call to say that basically that our
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  Speaker 2: home insurance might not be covered and we've got what's
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  Speaker 2: going on here. We rang them and the heartaching part
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  Speaker 2: was basically they weren't going to insure us for our
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  Speaker 2: home any longer unless we sort of come to their terms.
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  Speaker 2: But it was a big if. Maybe Mike, we had
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  Speaker 2: to sort of get a back to base home security
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  Speaker 2: system put in, yeah, but that we sort of worked
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  Speaker 2: out what that cost was back to base monitoring, So
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  Speaker 2: I'll double check my information last night. So they's going
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  Speaker 2: to cost us about two seven seven hundred dollars for
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  Speaker 2: basic security system class fifty dollars per month monitoring.
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  Speaker 1: So hang on, d sorry, can I can you just
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  Speaker 1: make this really simple for me and everybody to understand.
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  Speaker 1: So essentially, what you're telling me is you've been broken
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  Speaker 1: into twice, your insurance paid you out. I mean they've
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  Speaker 1: you know, they've helped you out twice, but then have
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  Speaker 1: said to you that unless you go and get a
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  Speaker 1: secure like you go and get security upgrades, that you
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  Speaker 1: can no longer have insurance.
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  Speaker 2: That's correct, Yes, what yep. So yeah, and so then
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  Speaker 2: it's going.
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  Speaker 1: To cost Oh it's a massive kick in the guts yep.
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  Speaker 2: So on top of that, when we ring Teo, they said,
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  Speaker 2: basically I was taking to the label on the counter
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  Speaker 2: there over the phone or whatever that we didn't call
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  Speaker 2: within a certain time. I see you're Jake. And because
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  Speaker 2: we check our post office box every Friday, Saturday or Sunday,
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  Speaker 2: and I hadn't received in that two weeks time. It
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  Speaker 2: was obviously the week after, so it was like three
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  Speaker 2: weeks late. We rang them straight up and they honored it,
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  Speaker 2: but they made us feel like they're doing us as
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  Speaker 2: flavor as well. So that's so like a kick in
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  Speaker 2: the gut. So the whole thing, the whole scenario that
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  Speaker 2: we've been broken into twice and then we've made it
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  Speaker 2: feel like where the criminals are game because we're not
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  Speaker 2: getting insurance, you know, we're at faulty.
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  Speaker 1: How can an everyday family actually afford to just fork out,
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  Speaker 1: you know, a few thousand dollars to be able to
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  Speaker 1: get a security system like to me, you know a
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  Speaker 1: lot of us just don't have that money lying around.
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  Speaker 2: No, we don't, and that's the problem. We didn't have it,
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  Speaker 2: and I tell them basically shove it, but they had
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  Speaker 2: the audacity didn't send me a renewal for our cars
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  Speaker 2: a couple weeks later after you're joking that don't happen
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  Speaker 2: on top. But the worst part about it is I
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  Speaker 2: don't know if where everyone's on, like on a database.
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  Speaker 2: So what happens is from then, you know, we rung
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  Speaker 2: around through other insurance companies. No one was at halfway
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  Speaker 2: through their process, and they just turn out, oh, sorry,
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  Speaker 2: we don't do your suburb. You have to ring And
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  Speaker 2: I said, what do you mean, you don't do our suburbs?
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  Speaker 2: And this was a couple and my partner looked into
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  Speaker 2: a few other insurance companies and the same thing. They
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  Speaker 2: wouldn't want to want us because apparently we're classified as
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  Speaker 2: a high risk suburbs now for where we live at.
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  Speaker 2: And I thought that this is just a joke. We
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  Speaker 2: ended up getting onto amy they actually come to the party.
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  Speaker 2: But because you know, we're obviously playing a little bit
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  Speaker 2: more now now, we sort of expected back in the
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  Speaker 2: day after the couple of breakings, our premiums are going
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  Speaker 2: to go up, you know, which would have been expected,
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  Speaker 2: but not to be kicked in the guts and basically
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  Speaker 2: just the turb mate.
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  Speaker 1: The thing that really shits me about this is that
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  Speaker 1: you know, being broken into is not your bloody fault,
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  Speaker 1: you know, like you've got a situation here. Where as
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  Speaker 1: I understand from the email that you've sent us, you
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  Speaker 1: know you've lived here fifteen years ago or you've been
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  Speaker 1: living here for is it fifteen years or even longer?
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  Speaker 2: No longer since ninety eight?
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  Speaker 1: Goodness, so you've been living here that long? You know
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  Speaker 1: in that period have you been broken into before?
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  Speaker 2: I've been broken into once or not broken into, but
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  Speaker 2: the property was intruded and I had a pushbloke strong
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  Speaker 2: once and apart from that, that's the only claim I've made,
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  Speaker 2: except for maybe two maybe three windows for your car,
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  Speaker 2: which is part of their policy to your policy. In
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  Speaker 2: all that time, that's all I've claimed, So it's not
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  Speaker 2: a massive amount.
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  Speaker 1: No, do you mind me asking, and feel free to
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  Speaker 1: say if you don't want to reveal, but do you
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  Speaker 1: mind me asking what suburb or what area of the
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  Speaker 1: territory you're living in?
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  Speaker 2: Palmerston? Yeah, but really a great suburb to be but
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  Speaker 2: there are a lot of others. At the moment, it.
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  Speaker 1: Shouldn't matter where you live. It should not matter where
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  Speaker 1: you live. You know, like you should be entitled to
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  Speaker 1: get bloody. You know, you should be able to get
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  Speaker 1: insurance and the fact that that's considered high risk is
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  Speaker 1: seriously concerning to a lot of people that live in Palmerston,
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  Speaker 1: you know, like this is quite unbelievable.
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  Speaker 2: Well that's it. I chase this up with a local
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  Speaker 2: electric office in even Laws. It got chased up, but
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  Speaker 2: that was sort of gob smacked about it. It got pushed
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  Speaker 2: up to Nicole Madison. I had a miscall from Brent
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  Speaker 2: Potter I think his name was. However I haven't received
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  Speaker 2: it and try contact him back again, but they received
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  Speaker 2: any information. Because I'm going to they'll s a bit
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  Speaker 2: disappointed in Too's actions in this, and I'm going to
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  Speaker 2: fight and find out what the hell is going on
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  Speaker 2: as well, because they all sort of shocked. But I
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  Speaker 2: just wanted to get my story out there. Okay, Look,
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  Speaker 2: I don't know how many other people have been broken
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  Speaker 2: into twice or more and they're going to the same scenario.
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  Speaker 2: My parole was next door labor. She's in her eighty
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  Speaker 2: and she's been done twice. She horrified exactly couple people
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  Speaker 2: across the road exactly.
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  Speaker 1: Garth, Mate, we are going to have to wrap up.
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  Speaker 1: I really appreciate you speaking to me this morning, because
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  Speaker 1: I actually think you're right. I reckon there's going to
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  Speaker 1: be others in exactly the same situation. So if there
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  Speaker 1: is anybody out there listening this morning who's in this
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  Speaker 1: situation or a similar one eight nine four one one
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  Speaker 1: four nine, give us a call and I'll tell you what, Garth.
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  Speaker 1: You know, sometimes we don't have much luck getting in
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  Speaker 1: contact with these insurance but we're going to try because
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  Speaker 1: TiO is the territory's insurance office, so we'll get in
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  Speaker 1: contact with them and we will see, you know, whether
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  Speaker 1: we can find out what the goal is. But I'm
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  Speaker 1: really interested to find out more you know, from them
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  Speaker 1: as well about what's considered a high risk suburb and
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  Speaker 1: how many in the Northern Territory are exactly.
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  Speaker 2: Yeah, it will be interesting.
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  Speaker 1: Yeah, mate, thank you so much for talking to us
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  Speaker 1: this morning. I really appreciate it. Thanks, thank you. Thanks Garth.
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  Speaker 1: You are listening to Mix one oh four point nine's
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  Speaker 1: three sixty