Elders Insurance

We ran over a large rock that fell from a tipper truck, we managed to get some paperwork to confirm the incident, Elders Insurance told us we may have to pay an excess if they have no luck tracking down the truck, 2 days later they called to say there was no excess and we could go ahead and get our car repaired. There was just under $3000 damage to the suspension and steering caused by the large rock. Within a week the car was fixed by our own mechanic and was back on the road as good as new. Elders might not be the cheapest insurer on the planet, but they have good old fashioned service from Australia and not some oversees call centre. You really do get you pay for.

Battling with a corporate labyrinth
I re insured my property portfolio with Elders Insurance Midland Western Australia dealing with their principal ,they offered their insurance quote as Elders Insurance AFS license 340965 their quote for all properties was competitive 5 commercial properties and 1 residential house which they were informed I had been renovating and restoring for 25 years . Elders were fully aware that the property was being used for garaging some of my car collection and home architectural endeavours with my cad computer systems and antiques awaiting restoration and that I resided at other addresses in WA and overseas having a farm renovating another house and business interests and work overseas.

As they say insurance is only good when you need it

Disaster struck one weekend October 2018 when I was in the country at our farm .
The house was broken into and ransacked with 4 other houses in the street.
Damage and theft with the accompanying disgusting mess that drug fiends tend to leave behind marking their conquests . Arrests were made but almost no goods recovered, police did not give any further details other than that the offender-s were arrested charged convicted and extradited to the eastern states
Claim submitted to Elders midland who accepted the claims and wanted to appoint an assessor to which I agreed . Elders could not set up an inspection by the assessor before I was required to take an overseas trip to China and Japan ,
Elders were duels informed of my time away . The property was fully secured .
Then disaster strikes when I am away a further more profession break enter and burglary almost totally stripping the house of anything easily removed . I had to ask tradesmen working for me to make good, secure and make police report .
On return from overseas I did an assessment of damage and loss and submitted another claim to Elders Midland . Assessor attends and takes a cursory look without entering the garage or office and seeing a ransacked property where all possessions had either been stolen or piled up in rooms throughout the house , balustrades had been damaged and decking lifted . The buildings were not perfect some of the structure built in the late 1800's thru to by me 30 years ago
The assessors only comment was that he may need more info and the items claimed be adjusted he also asked whether I slept at the property and I replied not lately but that the property was occupied for upwards of 22 hours a week working on architectural projects , cars and interior work on the house .
After 2 months wait all claims are rejected on the basis of non disclosure that the property was unoccupied . I then find out Elders Insurance midland refuse to communicate or respond to all correspondence despite information on the claim to "talk to our claims consultant" no mention of QBE and I am referred to elders customer relations department in SA given a complaint review number and apology for Elders Midland inaction .
A month passes and I start investigating elders insurance no further interaction with elders claim department despite their code of conduct requiring response within 10 days
I find out that Elders Insurance Midland is not my insurer they are merely a Corporate Authorised Representative of Elders Inurance (Underwriting Agency)Pty Ltd ABN 56138879026 also known as QBE Insurance (Australia)
all my contracts ,correspondence and payments have been with Elders Insurance Midland and Elders Insurance but in the words of Elders insurance lawyers "any action for breach of contract for refusing to grant indemnity under the policy , any such claim is properly directed at QBE as the named insurer and the party who underwrote the Policy " ( I have found no mention in my documents that QBE is the named insurer )
I feel totally conned by Elders insurance and QBE for hiding behind this corporate maze designed to avoid responsibility for payment of claims with a structure designed to confuse and frustrate
My warning find out who your insurer really is and if qbe is involved avoid at all costs and do not trust any of their agents as they take no responsibilty at all and for me have acted in agravated bad faith
This includes
CHU
Cumin insurance
Elders Insurance
and it seems ANZ
Maybe many more hiding out there behind agents and other entities
My question is -is asic doing anything about this since the exposure of the banking royal commision
Claims EK0058755, EK0058756,EK0059645,EK0059646
After this bitter experience and unfinished business with Elders Insurance and by default QBE my insurances are now elseware
Except until this matter is resolved my house is uninsurable and Elders will not confirm as to currency of my existing insurance with them and they have not cancelled it just refusing to communicate at all
BE WARNED QBE are devious and unprincipled they do not offer insurance in good faith for them premiums are just income

We searched online and found that this business has an active Facebook page with 401 followers. From our experience this can indicate that the business is either not actively engaged with online communication or is new and growing. We have discovered that this business has SSL (secure sockets layer), which means that this business handles your data, such as personal information or credit card details, with secure connection. We discovered that the domain for this business is relitevely new, which means that it could be a start-up business that does not yet have a huge amount of customers. We found that this business has an Instagram page, where they communicate with their customers using images and videos. This is usually an indication that the business has some visual aspects that it wants to showcase.