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jaysblueaus

  3 months ago

Great Insurance that does not break the bank
Closed

I have plugged this insurance company a few times, as they offer no frills insurance, that is way cheaper than most, AAI Essentials insurance is backed by Suncorp, who are also the owners of AAMI, Australian Pensioners, and many more.

They have a very low excess at $100 for all their insurance policies, plus the first 2 excesses per policy is free, there is no glass cover for cars, but it is still covered and you have to pay $100 excess for this one. They do not have hire car options, but with other insurers you have to pay extra for this option anyway.

All their polices have been designed for low income earners, and was engineered between the insurer and the Good Shepherd Charity in Melbourne.

They only have 2 comprehensive car policies, and even if you compare third party fire and theft options with other insurers, these comprehensive policies still work out much cheaper, than those policies. $3000 one and a $5000 one.

I know that this company pays out as I had made one claim. If I had that car and the car that I have now, with RACT I would of had to pay over $40 a month, had to pay a $500+ excess, and the car would of only been insured for $1800, where mine is insured for $3000

There are some key requirements, a person must earn less that $44,000

The content polices do not cover things like clothing, and valuables such as jewelry. There are 2 covers $10000 and $20000, if you had a total loss you may get paid $20000 in full that may cover clothes.

https://www.essentialsbyaai.com.au/wp-content/uploads/2021/02/Essentials-Contents-Insurance-Key-Facts-Sheet.pdf

https://www.essentialsbyaai.com.au/

Flood and storm damage is also covered, I was told that there is a $8000 that covers rental if you have to find somewhere to live, whilst your place is fixed. They are worth a look.
Reply

Goody39

  3 months ago
Do you work in their marketing department Jays?!
2 comments

braunhi1

  3 months ago
Thanks as always Shane. You definitely are on the ball and share it always with us.
0 comments

KT051

  3 months ago
Thanks for the read and information.
0 comments

p.gilbert83

  3 months ago
Interesting indeed .Will look them up next time i review my policies
0 comments

achatterjee4

  3 months ago
Very careful.
0 comments

WoodyP

  3 months ago
Great tip J, thanks.
0 comments

pagalu

  3 months ago
Sounds great. Thank you.
0 comments

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