For those in Perth always looking for a better, faster, cheaper way

Monday, March 9, 2020

4 Tips When Claiming on Car Insurance

Recently, we had to make a claim with RAC for damage to a vehicle. It was an interesting experience and one which we learnt a few lessons..

1. Do your homework. Don't assume insurer will put you through to the best repairer
2. Some insurance companies no longer automatically process claims immediately (call back later)
3. Personal items in a car can hardly be considered "covered" when the limits and excess are almost the same.
4. Windscreen excess is probably worth paying for ($100 with RAC) as opposed to windscreen cover

When we called up, it was late at night and they said you need to call back in the morning to put in the claim. The alternative was to get the window fixed, pay for the repair and get it reimbursed from RAC. We chose the latter but leaving the window like that was probably not a good option as the crack worsened overnight.

When we called RAC in the morning, they said that company X would be in contact within two hours to repair the window. I did some quick googling and got worried, because the reviews were not good at all, with some waiting a few days for the repair and some having issues with the rubber seals falling out etc. Last time we had to make a similar claim, they immediately put O'Briens on to the job, but not this time. I suspected RAC was using this company because it was cheaper and it seemed to go with my other suspicions that RAC was on a big costcutting exercise in every area. I already decided that I would probably go to another insurer when my renewal is up. Nevertheless, I gave them a call and asked if they can put me on to Obriens and they said they will switch it for me. No credit to them because clearly most people would not question it, RAC would save a few bucks going with the cheaper option. Later, speaking to someone that is familiar with the industry, they said that RAC has switched because it was cheaper to go with X. Something to keep in mind the next time you make a claim.

Also regarding personal items in the car, they only cover up to $500 worth of personal items in the car. If your excess is $500 for example, and you can only claim up to $500 worth.. it is probably not worth claiming and having your insurance premium increase the next time you renew.

Windscreen excess - One thing that RAC has is a different excess for window claims. This is $100 on our policy which you only pay when you claim for damage to a window. When the cost is about $500 to repair a car window, plus the tinting, it's probably worth going for an insurer that provides windscreen excess.

Windscreen cover - The alternative is paying for windscreen cover. Another insurance provider charges about $75 extra for windscreen cover. This means that if your window is damaged during the period of cover, then you don't pay excess. But like all insurance, if your window doesn't break during your cover, you paid $75 for nothing.

Monday, February 24, 2020

Porting to Kogan Mobile

If you are moving your number to Kogan Mobile, you may find the following tips useful. Some of these may also be relevant to porting to other providers.

When you port from a post-paid service, you will need to know your current provider's customer account number. You will have issues if the existing provider's customer number has letters in it because Kogan does not allow you to enter letters into the customer account number and it will not be a match. If you run into this issue, you will receive an email from Kogan that the port was unsuccessful, so you will need to call up their call centre to tell them to add the letters into the port request.

The other issue you should know is that when you port to Kogan, they will send you a sms which asks you to reply with a number in order to confirm that you want to transfer to Kogan. This will be a problem if you have already run out of credit on your existing provider. So the advice is to initiate a port before you run out of credit.

Another important consideration is that porting only occurs during eastern standard office hours on weekdays and on Saturday. Porting does not occur on Sundays.

Monday, February 17, 2020

Tips and Tricks - Kogan Egift cards

If you are a skeptic when it comes to gift cards, I don't blame you. Retailers have found gift cards to be a great way of selling something in advance and even better if people never use it. Now, most gift cards are not allowed to have a one year expiry but you also need to know how to use them properly.

For Kogan Gift cards sent electronically you need to note the following things

  • Searching your email for egift, gift card or egiftcard will not turn a result. The email that your Kogan egiftcard came in is actually with the subject "You have received a gift" so you should search for that instead. 
  • When you go to to redeem your gift card, note that the website asks you for the Gift card "pin" not the Gift card Number.  
I wonder whether anyone will search Google about this and find these tips about how to redeem a Kogan gift voucher, as my suspicion is that the design of this redemption is to make people think that their gift card has expired. If it has you fooled, you have three years to wise up before the gift voucher expires. Click thanks below if you found this useful or leave a comment.