11 entries categorized "Ansvar"

Ansvar Insurance saga - more to come....

Sorry to say, it's still not over. Not Ansvar's fault though... well, not totally. The assessor they hired deemed the car fully repaired but, as we've discovered, it's technically not roadworthy. The repairs done by Summerhill are fine, but City Peugeot has messed up big time. It had to be booked back in to City P to have several things done including (get this) the passengers side seatbelt fixed. (It hasn't been properly repaired after the accident, though they were supposed to do it, and because of that if there was another accident the airbags may not go off!) City P booked us in for the re-repair last Friday, but then cancelled and booked it in for this Friday.

Other faults they were supposed to have fixed include the electronics (the alarm goes off randomly now), the rear window jams, and the driver's seat was not replaced. (The padding is all askew and a slash in the leather looks like it was glue back together instead of being professionally restitched.)

Ah, but these are all teething troubles... At least Sue-Anne has her car back...

Risen from the ashes!

The Ansvar Saga is FINALLY OVER! (We hope!)

Image_00459Sue-Anne picked up her car... 17 WEEKS AND 6 DAYS after it was smashed when a driver failed to stop at a Give Way Sign and t-boned her back on November 30, 2006.

Matt from Ansvar still hasn't called us to tell us the car is ready to pick up, but Sue-Anne now has it.

Matt from Ansvar still hasn't even given the Smash Repairers written authorisation to begin repairs on the car - even though they have been asking him for it since December.

So, for the last 18 weeks we've been debating with Ansvar over this repair, with them arguing every step of the way, trying to get out of paying this and paying that but, in the end, who is paying for the repair? As it turns out, Ansvar are billing the insurance company of the driver who hit Sue-Anne... Ansvar won't be paying a cent out of their own pockets.

In other words, Ansvar was not looking after us, their customer, but instead looking after THE OTHER INSURANCE COMPANY and making sure they would have to pay as little as possible.

Ansvar has lost a customer and, as we have almost 100,000 hits on this blog, I'm sure they'll lose a whole lot more because of the way they handled this claim.


Ansvar Insurance saga - Almost there...

Today's the day Matt from Ansvar, or Mark the assessor, is supposed to be calling us to tell us Sue-Anne's car is ready to pick up from the repair shop.

About an hours ago Sue-Anne got a call from the repair shop saying her car would be ready tomorrow morning.

About 20 minutes ago we got a call from the car hire people asking if they could come and take the hire car back. (Which is probably good because, although it's a nice car, it smells like petrol fumes are leaking inside it... I think it was gradually poisoning us! *g*)

We haven't heard from Ansvar yet, but I guess we are low on their list of people to phone (the hire car people being a few notches above us...)

It's 5.30pm now, so they might call us tomorrow...

The Ansvar Smash Repair Saga - nearing the end!

Matt, from Ansvar, called me today to let us know that the assessor (Mark) would call us tomorrow from the Smash Repairers to tell us when the repairs would be finished.

He anticipated by next week!!!

He also then told me that he had gotten approval from Ansvar to provide us with a replacement vehicle!!!! Only 16 weeks after the accident!!! I took him up on the offer and a green Commodore was delivered for us over the weekend.


The Ansvar Smash Repair Saga - latest news

As we still hadn't heard from the assessor about the progress of our car repair, we popped into the Summerhill Repair shop to pay it a visit.

For those following the saga, you may recall that I wrote, on Feb 7:

Well that was quick! Matt just called me and let me know that he'd heard from the assessor (who visits our car on Mondays, Wednesdays and Fridays) and he's been told the repair should take between three to four more weeks. Matt has vowed to keep us updated from now on.

Now Matt works for Ansvar, Mark is the assessor. For a week Mark called us after each visit he made to the repairer and updated us on the progress of our car. Then he called every now and then. Then it was Matt who was calling us.

Here's what we now know:

  1. Mark, the assessor, has been visiting the car three times  a week and reporting back to Matt at Ansvar by email. Mark no longer calls us to keep us informed. Matt was the last one to call us, and that was almost two weeks ago (to let us know that the car would be ready in two or three weeks).
  2. The car was painted by Summerhill, then sent to City Peugeot (remember them? we visited them on Dec 9 when they lied to us to try to get us to buy a car from them). While it was having the roof refitted at City Peugeot, they scratched the paint. Summerhill had to repaint the car. (On March 12 Matt from Ansvar did communicate this to us by saying "They messed up the paint job so we made them repaint it." I'm glad we finally found out who "they" were.
  3. Due to technicians being away and the Labour Day holiday etc.. the car spent an inordinate amount of time sitting around at City Peugeot, thus explaining some of the delay.

So, we actually saw the car today, still being assembled. Some parts had arrived from Peugot bent or damaged and had to be replaced causing more delays, some repairs done by City Peugot were not up to standard (like the driver's seat) and they had to be redone.

Current status report: The car will be ready in..... (you guessed it) two to three weeks..

Ansvar actually wrote to us!

We got a letter from Ansvar today!!! Very exciting! Was it to let us know how our repair was progressing? Was it to let us know when the car would be finished? Was it to apologise for the delays or to offer a refund for 15+ weeks of insurance premium for a car that isn't on the road?

No. Ansvar is very excited to tell us about their new logo.

It's good to see they've been spending their spare time so profitably instead of wasting it on attending to their policyholders...

Here's the doodle... er.. logo.


The Ansvar Smash Repair Saga - it goes on and on and on


For those of you following the Ansvar saga, here is the latest update on Sue-Anne's Peugeot:

As you might remember in the last instalment (Feb 7) we were assured by Matt the assessor that he would be visiting the car three times a week at the crash repairers and reporting to us accordingly. That worked for about a week. Now he calls us evey second week.

Last status of the car.. it's still about two to three weeks away from being returned... though we were told that last week (Wednesday or Thursday I think).

But remember - if you look in the comments section of our Feb 7 entry, Matt the assessor assured us the repair would take three to four weeks then too... and that was almost FIVE WEEKS AGO!

We've now been without the car for almost 15 WEEKS! Is that good service or what?


Ansvar Insurance saga - Part 3

As I type this, Sue-Anne is off at Summerhill Repairs looking at her car. Sam, the repairer, called her and invited her to come and take a look at the progress.

I still hadn't heard from Ansvar so I called them and spoke to claims officer Matt who told me that Ansvar have been keeping a very close eye on the repair. They have had an assessor there every few days checking up, making sure the repair is being done properly.

Do you see something missing from this equation? Ansvar pays an assessor to report back to them how the repair is going (ie: how the repairer is spending their money), then Ansvar documents that information in their system.... and do they tell me, the customer? No. Do they call me and let me know how long the repair is going to take? No. Why would I need to know?

However, after chatting to Matt, he assured me he would have the assessor call me to update me on the progress of the repair.

I pointed out to him that we've been without the car now for over two months, and I again repeated my request for a replacement car. Again, he said we could hire a car ourselves and submit the receipts to Ansvar, who would then submit them to GIO (the other party's insurer) who would "decide" whether they would pay for the hire car or not. I questioned this. Matt explained that there can be no guarantee that the other insurer would pay for a hire car as it depends on: "Whether the hire car is really neccessary", "How long you had the hire car for", etc.. in other words, the insurance company for the guy who slammed into the side of Sue-Anne's car, taking it off the road for at least three months, will decide if we really need a replacement car or not??!!

"This," Matt pointed out, "is a service we offer all our customers."


I just felt the need to quote this from the EIG Ansvar 'Claims' section of their website:

Claims Service

Since 1961 we have worked hard to make EIG-Ansvar become one of the most trusted names in insurance.

EIG-Ansvar recognises that the claims process is the ultimate delivery of its promise to all policyholders and that best practice management of claims is a significant contributor to continuity of the partnership.

You can trust in the quality of our service and our promise that we'll be there with friendly, caring support at the time you really need us.

Ansvar Insurance saga continues


Well it's now been over a month since the repairs began on Sue-Anne's car, and we still haven't heard any word from Ansvar as to the status of the repair.

We've been without her car now since November last year and Ansvar still hasn't offered us a replacement vehicle to get by with even though the cost of that vehicle would be passed on to the other party's insurance company. Plus, we've now paid two months of insurance premiums on a car that's sitting in a workshop somewhere!

If I don't hear from Ansvar by the end of today, I'll give them a call and see if they've simply forgotten about us.

The Ansvar Smash Repair Saga


NOVEMBER 30, 2006                      

Accident occurred Thursday November 30 at 12 noon, St Georges Rd & Woolton St, Thornbury.


A 1991 Toyota Camry Sedan (FLW 520) drove through a Give Way saign without stopping at the intersection of Woolton St and St Georges Rd, Thornbury and collided with Sue-Anne Ellis driving along St Georges Rd toward Bell St in her Peugeot 307cc Sport (SVC 311). The Camry T-boned Sue-Anne’s car hitting her squarely in the driver’s side door without braking.

The accident was attended by Senior Constable Steve Hall of Northcote Police (9403 0200)

D. Manenti of Summer Hill Crash Repairs was the tow-truck driver on the scene. The Peugeot was towed to Summerhill Crash Repairs.

Ambulance, council workers and fire-brigade all attended the scene.

Tim Ellis called Ansvar insurance when he returned home at approximately 1.30pm and reported the accident. Ansvar Insurance Claim Number 306 679

Later that day Sam, from Summerhill Crash Repairs contacted Bayford Motors (owners of City Peugeot) and arranged for them to come the next day to quote on repairing the Peugeot.

Tim called Ansvar and asked about the possibility of getting a hire car or a replacement vehicle. He was told the crash repairers might offer him a replacement car if he asked them, but if Tim was to get a hire car he must be aware that if the other driver does not have insurance then Ansvar may not be able to recover that cost from the other driver and, in that case, Tim would be liable for the cost of the hire car.


DECEMBER 1, 2006          


The price of Sue-Anne’s car, when new, was $56,990 (add full leather trim at $5,500 and metallic paint at $700) total cost $63,190.

Tim started researching the internet searching used card ads Australia-wide for2004 Peugeout 307cc Sports with full leather trim and metallic paint. He found only five cars in the whole country:

  • DEALER AD 1 - $35,550 in NSW. No leather trim or metallic paint. 76,834kms.
  • DEALER AD 2 - $44,995 in VIC. No leather trim or metallic paint. 31,240kms.
  • PRIVATE AD 1 - $42,995 in NSW. No leather trim or metallic paint. 34,300kms.
  • PRIVATE AD 2 - $44,500 in QLD. No leather trim or metallic paint. 26,000kms.
  • PRIVATE AD 3 - $37,550 in NSW. No leather trim or metallic paint. 64,000kms.

These prices seemed quite low, so to make a more accurate assessment, Tim researched prices of the less expensive 2005 307cc Dynamic, as more of these were on the market:


  • PRIVATE AD 1 - $44,900 in QLD.
  • PRIVATE AD 2 - $42,990 in VIC.
  • PRIVATE AD 3 - $44,990 in NSW.
  • PRIVATE AD 4 - $48,990 in NSW.
  • PRIVATE AD 5 - $42,990 in NSW.

Tim was told by Glenn Anderson of Regan Motors that there were no used 2004 Peugeout 307cc Sports with full leather trim and metallic paint available in Australia, and only one 2006 model in the country until May 2007. The price of a 2006 model in 2007 from Glenn Anderson will be around $61,000.

Tim called Kai Smith of Mt Gravatt Peugeot in Qld, who had the 2006 model (black with white leather) and was told it’s price was $65,279.


DECEMBER 4, 2006.

Tim called Ansvar to see if the assessment was in yet. He was told that, at this stage, it looked like the car could be repaired ($20,000 to $30,000 in repairs) and that he would get it back in two to three weeks. Tim asked about the quality of the repairs and was told repeatedly that the repairs were guaranteed for the life of the vehicle. Tim was told the assessor would be looking at the car on Thursday, December 7. No explanation was given for the delay in assessing the vehicle.

Tim called Sue-Anne and told her the good news.


DECEMBER 7, 2006                           

Tim called Ansvar around noon but was told the assessor had not been to the Crash Repairs to see the car as yet. Tim again asked about a hire car as it was now known the other driver had insurance with GIO. Ansvar again warned Tim that he could be liable for the cost of the hire car if they could not recover it from the other driver’s insurance company.

Around 5pm the Summerhill Crash Repairs phoned Sue-Anne to let her know the assessor had been and had deemed the car a write-off so they were towing it away. They asked her if she needed to get anything out of the vehicle before it left.


DECEMBER 8, 2006                           

Tim called Ansvar to get the assessor’s report, Ansvar told him they hadn’t heard from the assessor yet.


DECEMBER 11, 2006                        

Assessor Trent Kendall called at 8.30am and spoke to Tim Ellis. He explained he would call Tim with a valuation later that day. Tim asked why it was taking so long and Trent explained he had no idea. He was told to value it on December 7 and explained “Peugeots take a while to price.” He also asked Tim “Did the car have a 6 stacker CD?” Tim replied “Did you actually look at the car?” Trent explained he was unfamiliar with Peugeots. He said he had looked up a price on Glass’s Guide on the internet and it was around $46,000.               He said he had called Peugeot and was waiting for them to call back. Trent explained the car could not be repaired because “the driveshaft is broken and it’s dripping oil.”


DECEMBER 12, 2006                        

Trent Kendall phoned Tim at 8.30am and apologized for not calling last night as he said he couldn’t get to a phone. He said he had not completed the report and would get back to Tim by the end of the day. He explained how he was having trouble getting information about the car as he was unfamiliar with it. Tim gave him websites where he had found similar cars for sale and the phone number of Glenn Anderson at Regan Motors Peugeot who would be able to answer any questions.

7.45pm Trent Kendall called Tim from his carphone and told him he’d done the valuation decided the market value of the 2004 Peugeout 307cc Sport with full leather trim and metallic paint was $44,650.


DECEMBER 13, 2006       

Tim called Ansvar and they said they hadn’t received the assessor’s report yet, but would call him when they did. Tim explained his concerns about the apparent lack of expertise of Trent, the assessor. He also asked why the assessor hadn’t attended the car sooner than December 7 and he was told that the delay was caused because the Crash Repairers took so long in getting their quote together. He was told that, with an expensive car like the Peugeot quotes can take several hours. Tim replied that he could understand several hours, but not an entire week.


DECEMBER 14, 2006                        

Tim called Ansvar (spoke to Matt) and they said they had received the assessor’s report and were satisfied with it’s thoroughness. They said it consisted of a Glass’s Guide valuation and several ads for similar cars from the internet. (These ads are the ones that Tim pointed out to Trent on Monday the 11th).

Tim paid $11 for a Glass’s Guide report and got the same “report” that the assessor had presented to Ansvar. He emailed this to Matt together with the ads for similar cars from the internet. Tim pointed out that the Glass’s Guide did not take into account the condition of the car, which was excellent, and it was intended as a guide only. He also pointed out that in the general Glass’s guide it suggests that a 2004 Peugeout 307cc Sport which had done 44,000kms (Sue-Anne’s had done 34,000kms) would sell at a Dealer Price between $42,000-$51,240. This was inconsistent with the rest of the Glass’s Guide:

General Glass’s Guide

Specific $11 Valuation

Dealer Trade: 


$37,275 (Above top price)

Personal buy/sell:


$41,002 (Above top price)

Dealer retailer-franchise: 


$44,650 (Well below top price)

Tim also spoke to Nick, the owner of Glass’s Guide who explained that the assessor should have been using the more detailed ‘commercial’ section of the guide which industry professionals subscribe to. This more detailed assessment would have given a higher price for the car.

Tim spoke to Ansvar and explained his concern with the inconsistencies of the assessment and they offered to have the car valued again by an independent assessor.


DECEMBER 15, 2006

Tim called the Insurance Ombudsman who gave him the Ansvar Complaints number. Tim called Russell Spencer at Ansvar and explained the situation.

Around 5pm Tim was called by the Ansvar State Manager, Cam Bradford, who said he was looking into the complaint. He said the car had been reassessed and he was just waiting for the report. He said he would get back to Tim first thing on Monday morning.


DECEMBER 18, 2006                        

After 5pm the State Manager called back and said that he had the second assessment and the assessors had used the Glass’s Guide and come back with a lower price of $44,590  He said that they had spoken to a dealer (Regan Motors) who said that they would sell a 2004 Peugeout 307cc Sport with full leather trim and metallic paint for $40,000-$42,000. (Tim later called Glenn Anderson at Regan Motors and discovered that it was Matt from Ansvar who called, not the assessors, and spoke with David Regan who is not a valuer. Matt called three times, finally describing the car correctly on the third call),

The State Manager offered Tim a price of $45,000 including GST and asked Tim what he wanted to do. Tim explained that he was still not happy with the price or the way the who claim had been handled. Tim asked if the car could be repaired as Trent had told him it was a write-off. The Manager said it could be repaired, but as the initial quote was $37,000 it was deemed too expensive to repair. They would instead, pay us $45,000 and sell the body of the car for scrap at $6,500. (Later that week, Tim was told by another source that Fowles said they would give Ansvar $8,000 for the car, not $6,500). Tim said that it was still cheaper for the insurance company to do repair it rather that pay $45,000, but the State Manager said the repair cost was just an estimate, and not a quote, and that the repairs would most likely be more expensive. Tim asked for a full quote as Sue-Anne would much prefer the car repaired than have to find an extra $15,000 to buy a replacement vehicle. The State Manager said he would send it back from Fowles to Summerhill Crash Repairs for a quote.

He called Tim back an hour later and expressed concern saying the Crash Repairers said the VIN (Vehicle Identification Number) had been damaged in the crash, and because of that the car was not considered roadworthy and may not be worth repairing. He said they would contact VicRoads and find out if it could be re-issued with a VIN and then repaired, or not.


DECEMBER 19, 2006                        

At 3pm the State Manager phoned Tim to tell him that the VIN issue had been sorted out   and the car was on it’s way to Summerhill and the quote would be done within 24 hours. Tim expressed concern that he had initially been told the reason for the delay in the first assessment was that Ansvar were waiting for the Crash Repairers to get their quote together – that’s why the assessor had to wait until December 7 – but the repairers were ready for him on December 1. The Manager said he would look into it.


DECEMBER 20, 2006                        

At 5.45pm Cam Bradford, the State Manager of Ansvar phoned Tim to tell him that the Crash Repair quote had come in at $33,040 but that quote would have to be assessed as some items had question marks against them. He hoped the assessment would have been done today, but the assessor was unable to get to the car in time, but he assured Tim he would be call him with a final figure within 24 hours.


DECEMBER 21, 2006                        

9am and Sam from Summerhill Crash Repairs phones Tim to let him know that the assessor has been and the repair has been approved at $35,000.

5.45pm and Cam from Ansvar calls Tim to let him know that the assessor has been and the repair has been approved. Cam asks if Tim would like him to email him with the options, the car could be repaired, or it could be written-off and Sue-Anne would get a $45,500 cheque. (Note, the figure has now gone up by $500). Tim said to repair the car and Cam hesitated, explaining he wasn’t sure what the next stage was, whether a verbal assurance was enough, but he’d look into it. Tim asked Cam “Will Ansvar or Summerhill let us know when the car is ready?” Cam replied “Yes. It will either be us or Summerhill.”


DECEMBER 22, 2006                        

Sam spent all day faxing and phoning Mat at Ansvar to get authorization to begin the repair. At the end of the day he finally made contact and was told that Mat was on leave. He asked to speak to anyone who was able to authorize it and was told that Cam could, but he had left and would be back on Wednesday. Sam said he would phone first thing on Wednesday.

Sue-Anne ordered a new numberplate for her car to celebrate it’s “rebirth from the ashes” – PH3N1X


DECEMBER 23, 2006                        

Sam called Tim Ellis to let us know what was going on. (Note: Ansvar are not keeping us informed).


DECEMBER 27, 2006                        

Sam tries calling Cam with no success. Another Ansvar assessor arrives at Summerhill Smash Repairs to look at the Peugeot.

Sam calls Tim again to let him know the repair is still not authorized.


DECEMBER 29, 2006                        

Sam receives verbal authorization from Ansvar. He lets Tim know that he still hasn’t received anything in writing yet, but the repair is finally underway… almost a month after the accident.


JANUARY 4, 2007             

Sue-Anne’s new numberplates arrive in the post today.

Tim calls the Ansvar complaints department to update Russell Spencer, only to be told he no longer worked there. Tim emailed the full story (as you read above) to his replacement Trudy Reeve. She phoned back quite promptly, apologizing for the way things turned out, but clarifying that we were happy with the outcome. Tim explained that though we were happy the car was being repaired, the whole process was stressful and handled badly. Trudy explained that she had forwarded the report to Cam and he would call Tim back later today to explain why things took so long… She explained that Ansvar had a commitment to handle claims quickly and efficiently. Tim asked what happened if they failed to meet that commitment, did they compensate the customer or penalize the people who caused the delay? Trudy said no. “So,” said Tim, “That’s really more a goal rather than a commitment.”

Will Cam call back with some viable explanations for the delays and other problems over the last month? Stay tuned!