AIG Insurance - Any red flags?

ballooba

I've done the rounds of the insurers looking for a better quote than my current renewal offer. The following are the cheapest so far:
Zurich €497 (Current Insurer)
Aviva €420
AIG €350

All are for comprehensive with Full NCB Protection.

bazz26

I just took up a policy with them there last week as they were offering the best cover at the cheapest price including breakdown assist, accidental damage, full NCB protection, etc. Verified that my policy was activated but they seem to be slow sending out the disc and cert.

No experience of dealing with them around claims yet though.

kaimera

Went with AIG directly this year. Nearly 1/2 saved compared to the broken quote from them.

Alanstrainor

AIG are grand. Were called Chartis before, and AIG before that!

ballooba

Thanks. Interesting about the breakdown assist, it was missing from my quote.

EDIT: EUR 10 extra. Not a worry.

Wheelio

I've been insured with AIG in the past and had to settle a claim, all went very smoothly.

Henry Ford III

Aren't/weren't AIG goosed financially?

Scortho

Henry Ford III wrote: »

Aren't/weren't AIG goosed financially?

They were, partially thanks to some insurance products they sold to John Paulson among others.
Us government stepped I'm and bailed them out.
They wouldn't be allowed underwrite insurance in this country if they were still goosed b

Lawros Tache

Wheelio wrote: »

I've been insured with AIG in the past and had to settle a claim, all went very smoothly.

Same here, a pleasure to deal with actually and all done and dusted within 4 days!

Have been with them since the switch as was previously with Chartis and have also renewed this year.

Only problem i have is that they sponsor Utd.

Scortho

Lawros Tache wrote: »

Same here, a pleasure to deal with actually and all done and dusted within 4 days!

Have been with them since the switch as was previously with Chartis and have also renewed this year.

Only problem i have is that they sponsor Utd.

Aon sponser utd.

oldyouth

Lawros Tache wrote: »

Only problem i have is that they sponsor Utd.

They used to.

MugMugs

Scortho wrote: »

They wouldn't be allowed underwrite insurance in this country if they were still goosed b

Lets not lose the run of ourselves here now !

Henry Ford III

MugMugs wrote: »

Lets not lose the run of ourselves here now !

PMPA, I.C.I., and others I'm sure went pop money wise.

We're still paying for them btw.

ballooba

AIG won't insure my fianceé on an Aussie licence. She has to switch over to Irish before they will deal with us. Need to weigh that up. Aviva is 50 euro more expensive.

MugMugs

ballooba wrote: »

AIG won't insure my fianceé on an Aussie licence. She has to switch over to Irish before they will deal with us. Need to weigh that up. Aviva is 50 euro more expensive.

Should she not be moving onto an Irish licence anyway ?

mathepac

ballooba wrote: »

AIG won't insure my fianceé on an Aussie licence. ....

Proper order. She and Barbie might be making prawn sandwiches with Sheila.

ballooba

MugMugs wrote: »

Should she not be moving onto an Irish licence anyway ?

Technically, yes. But she's less than enamored with the state of our licenses.

Avns1s

bazz26 wrote: »

I just took up a policy with them there last week as they were offering the best cover at the cheapest price including breakdown assist, accidental damage, full NCB protection, etc. Verified that my policy was activated but they seem to be slow sending out the disc and cert.

No experience of dealing with them around claims yet though.

Same as that.

Policy taken out last Friday week, (13 days ago) all outstanding docs (proof of NCB etc emailed in on last Monday week. No sign on Cert and disc. Old policy is up on Monday next. If it's not in tomorrows post I'll be cancelling. There wasn't that much difference between them and the next best priced for the same thing.

Not overly concerned about the cert and disc being slow coming out but definitely concerned that this lack of efficiency is the way it'll be going forward.

MugMugs

ballooba wrote: »

Technically, yes. But she's less than enamored with the state of our licenses.

Whats wrong with our licences?

Are the others happy to accept her on an Oz licence?

ballooba

MugMugs wrote: »

Whats wrong with our licences?

Don't know.

MugMugs wrote: »

Are the others happy to accept her on an Oz licence?

Yes.

ballooba

Avns1s wrote: »

Not overly concerned about the cert and disc being slow coming out but definitely concerned that this lack of efficiency is the way it'll be going forward.

I've spoke to quite a few insurers today, and a few too many of them were a cross between Napoleon Dynamite and Ross O'Carroll Kelly. I won't name names, but it didn't breathe confidence. My usual brokers are excellent and this is one of the reasons I have opted to pay a little extra to stay with them.

yllw.ldbttr

Another vote for AIG here. Beat my renewal (from Aviva) by nearly 200.
Beat every other quote I got but when I called they still knocked another 5% off it.

Done and dusted in a couple of days.
AFAIK AIG outsource the actual organisation of the documentation etc in Ireland, but my experience has been all good anyway.
Needed to arrange temp cover last week and it was painless as well as free.

Avns1s

OK an update on this......

Tried to phone the call centre yesterday evening, message that they close at 5!

Tried the call centre today, on hold for 10 mins then came a recorded message that I could leave my number and they'd ring me back. Still waiting for that.

Also sent an email on Wednesday (they suggest email as one of their contact methods) no reply.

Sent an email around noon today, no reply.

Now, what's bothering me is..... if I want to change insurance to another car, am I going to be days trying to get it sorted. Also, if this is what it's like at this stage, in the unfortunate event of having a claim, what kind of response are AIG going to give?

I will admit they were cheaper than the alternatives but the way they are behaving now is leaving me very nervy.

bazz26

As of today I still haven't received my disc or cert despite being reassured on Monday they were processed and on the way. Doesn't sound like a very efficient setup, so far.

mathepac

yllw.ldbttr wrote: »

Another vote for AIG here. Beat my renewal (from Aviva) by nearly 200....

Based on your recommendation, I got a quote. For the same car & cover they are €65 / annum dearer than my current insurers. If I drop the NCB step-back, strangely I lose glass-cover, but still end up with a premium €25 / annum dearer but with reduced cover.

yllw.ldbttr

mathepac wrote: »

Based on your recommendation, I got a quote. For the same car & cover they are €65 / annum dearer than my current insurers. If I drop the NCB step-back, strangely I lose glass-cover, but still end up with a premium €25 / annum dearer but with reduced cover.

I assume they are using risk profiling to go after a certain target market, for whatever reasons.
My cover was identical, and that quote factored in the added no claims protection and breakdown cover which was not standard.
YMMV but just because they weren't cheaper this year doesn't mean it's not worth a call again next year. I call or get an online quote from at least 10-15 provides ever year, and without fail a different one is best value each time.

leitrim1

Got a new car recently and my current insurer ( Kenco ) sent out renewal papers for €630. AIG came in at €482 for a better range of cover. Previously, I just took the brokers word that what was offered was the best deal. I will be renewing with AIG for sure. Thanks OP

bazz26

I hope your not in a hurry for the disc and cert. I'm still waiting on mine despite taking up the policy over a week ago, not a very efficient service so far. I can see now why were in difficulty.

yllw.ldbttr

bazz26 wrote: »

I hope your not in a hurry for the disc and cert. I'm still waiting on mine despite taking up the policy over a week ago, not a very efficient service so far. I can see now why were in difficulty.

I paid with credit card and I emailed a scan of my licence and no claims cert. Had the insurance cert back in the post within 3 working days.

bazz26

yllw.ldbttr wrote: »

I paid with credit card and I emailed a scan of my licence and no claims cert. Had the insurance cert back in the post within 3 working days.

So did I.

Stheno

Henry Ford III wrote: »

Aren't/weren't AIG goosed financially?

They finish paying back the US government this year, and are well recovered financially.

leitrim1

Insured second car with AIG today. Saved €115 on next cheapest quote and with more benefits.

ninty9er

Allianz were not only by far the cheapest but provided better cover than everyone else when I renewed last year.

leitrim1

ninty9er wrote: »

Allianz were not only by far the cheapest but provided better cover than everyone else when I renewed last year.

Everyone really has to shop around as we left Allianz with the second car for AIG

HeidiHeidi

Cheers for this - was shopping around the last few days and got a quote for just over 400 (:eek:) - thought I'd covered all the big companies and brokers, but AIG online just came in 40 quid cheaper, and that's with a lower excess!

I'm slightly concerned by something I read either earlier in this thread or in another one - do they have an out-of-hours number for emergencies? People seem to be reporting having trouble getting in touch with them, and I see on the website that their main line is Mon-Fri.... I'd be getting breakdown assist, so I'm assuming that there'll be some sort of emergency number provided

Any experience of dealing with them for other than quotes would be great to hear.....

leitrim1

HeidiHeidi wrote: »

Cheers for this - was shopping around the last few days and got a quote for just over 400 (:eek:) - thought I'd covered all the big companies and brokers, but AIG online just came in 40 quid cheaper, and that's with a lower excess!

I'm slightly concerned by something I read either earlier in this thread or in another one - do they have an out-of-hours number for emergencies? People seem to be reporting having trouble getting in touch with them, and I see on the website that their main line is Mon-Fri.... I'd be getting breakdown assist, so I'm assuming that there'll be some sort of emergency number provided

Any experience of dealing with them for other than quotes would be great to hear.....

No, all good at this end with them, just put my home insurance with them also.

_Kaiser_

HeidiHeidi wrote: »

Cheers for this - was shopping around the last few days and got a quote for just over 400 (:eek:) - thought I'd covered all the big companies and brokers, but AIG online just came in 40 quid cheaper, and that's with a lower excess!

I'm slightly concerned by something I read either earlier in this thread or in another one - do they have an out-of-hours number for emergencies? People seem to be reporting having trouble getting in touch with them, and I see on the website that their main line is Mon-Fri.... I'd be getting breakdown assist, so I'm assuming that there'll be some sort of emergency number provided

Any experience of dealing with them for other than quotes would be great to hear.....

Been with them the last few years (via a broker) and no issues

They do have an out of hours breakdown/emergency number. It goes to a callcentre up north and someone will be on-call with a mobile. Used them twice/three times over the last few years without any problems.

Most recently was New Year's morning @ 9am when, having spent the night in Beaumont with a relative, I came out to an almost flat that barely got me to the nearest Topaz.

Bucketing rain, 9am, but they still had a Recovery truck out to me in under an hour from the call

psycho-hope

Just to let you know I'm with AIG rang the recovery number this morning as my car had a dead battery. They refused to send someone out as my nct was out of date by 5 days and in there opininon it was not roadworthy. The most annoying part was I was heading to the nct centre this morning, by the time i found a neighbour to give me a hand i missed my appiontment

leitrim1

psycho-hope wrote: »

Just to let you know I'm with AIG rang the recovery number this morning as my car had a dead battery. They refused to send someone out as my nct was out of date by 5 days and in there opininon it was not roadworthy. The most annoying part was I was heading to the nct centre this morning, by the time i found a neighbour to give me a hand i missed my appiontment

Thats strange, my friend is insured with them and his nct was out and he had an accident and they paid out. He was in the right so I'm sure they will recover the amount from the other insurance company.

oldyouth

psycho-hope wrote: »

Just to let you know I'm with AIG rang the recovery number this morning as my car had a dead battery. They refused to send someone out as my nct was out of date by 5 days and in there opininon it was not roadworthy.

How did they know it was out of date? Did they specifically ask you? I've used breakdown assistance twice (Zurich) and it was never a factor. One time I'd locked myself out of the car with the engine running and the NCT was out. Obviously a situation like mine is not NCT related

psycho-hope

oldyouth wrote: »

How did they know it was out of date? Did they specifically ask you? I've used breakdown assistance twice (Zurich) and it was never a factor. One time I'd locked myself out of the car with the engine running and the NCT was out. Obviously a situation like mine is not NCT related

christ only knows the girl on the phone claimed that it was flagged on their screen as being out of date. I didn't really have time to argue with her as I was in a hurry but I might ring them again on monday for the heck of it and see what they say. they funny thing about it is the guy who covers my area is a brother of the neighbour who gave me a hand and only lives at the bottom of the village:rolleyes:

munwin

Renewed with AIG this week and saved €70 for a wider range of cover.