Allsure Insurance

Welcome!

Fri, 18 Dec 2009 14:39:00 GMT

Welcome one and all to the very first Allsure blog entry!We have embraced the 21^st century as we come to you online.

Check out our website to find out more information about the services and products we offer, and if you need any more information or are looking for a quote, there is always the option to give us a call or submit an enquiry in the ‘Contact Us’ section. We will keep you informed on a regular basis with insurance stories and other updates. Until then…

Christmas Holiday Dates

Tue, 22 Dec 2009 15:33:00 GMT

Please note our office will be closed from the 24/12/2009 and re-open on the 06/01/2010. If your policy is due during this period, cover has been extended until the 06/01/2010 accordingly.

Payment can still be made via cheque, money order, credit card (you can send the slip in), or via BPAY.

If you have any enquiries during this time, you can catch us via our 'Contact Us' page.

Have a very Merry Christmas and a Happy New Year!

Insurance Stories

Thu, 04 Feb 2010 09:09:00 GMT

As we said, we have some Insurance stories to share with you. These are our ‘Minties’ moments, the times when you say “That’s why we have insurance.”

This story is of the classic runaway vehicle, a truck nonetheless that was slowed down by a caravan as it raced towards the family’s home. So follow this link and read the full article

http://www.geelongadvertiser.com.au/article/2009/11/10/120061_news.html

storm damage

Tue, 09 Mar 2010 09:09:00 GMT

This weekends wild storms through Melbourne come as a reminder to check your insurance. Would your current contents cover really cover all your items in the likely event of a storm? Take a moment to think about your insurance while you check out these links!

Remember to give us a call if you would like to review your insurance now, before more storms hit and it's too late. Even if you dont currently hold insurance with us, we are happy to review and go through your insurnace with you. Find our details on our 'Contact Us' page

http://www.geelongadvertiser.com.au/article/2010/03/08/152621_news.html

http://tools.geelongadvertiser.com.au/photo_gallery/photo_gallery_popup.php?category_id=12671&offset=0

http://afr.com/p/business/financial_services/melbourne_storm_damage_bill_dE8aHB3XU8KNpYZUJcUfFL

http://www.abc.net.au/news/stories/2010/03/07/2838612.htm

Insurance Tax

Mon, 19 Apr 2010 10:10:00 GMT

With the debate over Insurance Tax hitting the news headlines, we thought it only fitting to highlight the issue with this month’s Blog.

Take a look at the following websites to see just how much of the money you are paying for insurance goes to the Government as Tax. There is an electronic petition you can sign and even graphs comparing Victorian Insurance prices with the rest of the World.

www.notaxoninsurance.com.au

http://www.insurancecouncil.com.au/Default.aspx?tabid=1291

To have your voice heard contact your State MP.

Contact details can be found on the following website:

http://www.aph.gov.au/house/members/mi-state.asp

In An Accident

Thu, 06 May 2010 16:45:00 GMT

Have you thought about what you would do in the event of an accident? We are here to ensure your car is covered for damage, but what course of action do you take in the heat of the moment? The Age has put together an outline of what to do and it can be found on the following website:

http://theage.drive.com.au/ive-crashed-now-what-20091116-ihny.html

Car Insurance

Fri, 04 Jun 2010 16:48:00 GMT

Yes, there is a reason for insuring your boat, and car!

http://www.weeklytimesnow.com.au/article/2010/02/17/158521_back-paddock.html

We did it!

Thu, 22 Jul 2010 12:31:00 GMT

On Wednesday night we attended the 25th Geelong Advertiser Business Excellence Awards ceremony. After being nominated as a finalist last year (in our first attempt), this year we came away with the trophy for Small Business! Congratulations to everyone who entered and to those businesses judged the best in their categories. A big thank you to the Liz and John @ The Communicators, Dan Simmonds and the entire Judging panel, The Geelong Advertiser, Shell for being our category sponsor, to all the people who have contacted us with congratulations and to our wonderful, hardworking team here at Allsure Insurance. Winning this award is a great achievement for our 25 year old, Geelong based, family owned and run business employing 6 people.

find out the other category winners at

http://www.geelongadvertiser.com.au/article/2010/07/22/193751_news.html

and see the photos of the winners at

http://tools.geelongadvertiser.com.au/photo_gallery/photo_gallery_popup.php?category_id=15941&offset=15

Ruby Magazine

Thu, 05 Aug 2010 09:06:00 GMT

August saw Melissa branching out and becoming a columnist in “Ruby” Magazine. This is a quarterly magazine that focuses on women in Geelong. Melissa’s first article likens the need for the right insurance policy to finding the right bra. It may take time and cost a bit extra, but it ensures the right support that you need!

You can read Melissa’s article here (page 22):

http://adcellgroup.com.au/index.php?option=com_flippingbook&Itemid=241&_id=4&lang=en&view=book

Car Insurance

Thu, 09 Sep 2010 09:07:00 GMT

Car insurance can be confusing at the best of times.

Insuring your car correctly is just as important as insuring your house or contents, and we would like to help you get it right.

We have compiled a list of 10 things you should know when insuring your car:

1. Likely drivers – do you have children that will soon obtain their Learners Permit?

2. Have you considered windscreen / window cover for your car?

3. Do you want the inclusion of a hire car following a theft / or accident?

4. Do you get choice of repairers and are they accredited?

5. Are the contents of your car insured? (This could also come under your house and contents insurance.)

6. Is your car insured if it is stolen, caught in fire or is damaged by a storm?

7. You need to disclose driving convictions, loss of licence, speeding fines and modifications to your vehicle, as all of these can affect your policy.

8. Do you know the difference between market value and agreed value for your car? Are you accessories covered too?

9. Is your rating protected if you have to claim?

10. Excess – what price are you likely to pay in the event of a claim? Increasing your excess can lessen the total annual premium, but remember, you will have to pay more if you claim. Note the difference in excess for different drivers and consider the benefits on a nominated driver policy.

Remember, if you have any questions about any of these points, please give us a call. We are happy to explain and help you in as many ways as possible to ensure you get the right insurance.

Christmas Holiday Dates

Fri, 17 Dec 2010 14:07:00 GMT

Enjoy your Christmas holidays knowing your insurance will cover life’s little mishaps!

Our office will be closed from the 24/12/2010 and re-open on the 06/01/2011. If your policy is due during this period, cover has been extended until the 06/01/2011 accordingly.

Payment can still be made via cheque, money order, credit card (you can send the slip in), or via BPAY.

If you have any enquiries during this time, you can catch us via our 'Contact Us' page.

Have a very Merry Christmas and a Happy New Year!

Ruby Magazine

Thu, 10 Mar 2011 09:04:00 GMT

With the arrival of a new season comes the latest edition of Ruby Magazine of which Melissa is a contributor. Read her latest article here:

http://www.adcellgroup.com.au/read-ruby.html

Mon, 02 May 2011 12:48:00 GMT

Keeping up with the times,

you can now befriend us on facebook: www.facebook.com/InsureAllsure

or follow us on twitter: https://twitter.com/#!/InsureAllsure

General Knowledge 101

Fri, 24 Jun 2011 13:42:00 GMT

Read Melissa’s latest article for the winter edition of Ruby Magazine:

Here are a few little lessons that we’ve learned along the way and wish to share.

If you park your car or motor bike in your garage it does not automatically insure it under your house policy. It does need to have its own insurance and the same goes for your boat, caravan or airplane! (However some contents policies will cover unregistered off road motorbikes less than 250cc and small boats less than 4.0m in length, ask your advisor to make sure).

Not all things are covered at your home, just because they are inside the house. Policies will have a specific list of items that are and aren’t covered. If you have something out of the ordinary, or are unsure, then ask.

A guard dog or cat (unless it’s a lion or tiger) is not adequate enough security to give you a discount; however a good monitored alarm, while adding extra security, could give you a discount on your home insurance.

Not all insurance policies cover your belongings away from home. Even having things in your car parked out the front of your house, may not be covered.

Higher excesses can reduce your premiums, however there is a 'sweet spot', where if you did have to make a claim you’re not too much out of pocket. Ask for other excess options next time you get a renewal or quote.

Be careful when you are told yes the policy has 'accidental breakage’. Be sure it covers more than just broken windows.

Call and arrange your construction and liability insurance before you start building your new home or renovating. If your builder says he has ‘it covered’ ask to have a certificate of currency to show your home is insured.

If you have learner drivers or drivers under 25 driving your car make sure your car insurance covers them. Having the right insurance will avoid more grey hairs!

If you don't have any young drivers you might be able to save a dollar by excluding them on your car insurance.

If you run a business from home, make sure your household policy covers your business, if not you will need to arrange separate cover.

Business insurance is a very specialist policy, with different sections for theft, broken glass, fire, money, business interruption, taxation audit cover, liability etc. You need to talk to your advisor and they can help you with any concerns you may have.

Besides helping with insomnia, the policy books help with understanding what is covered and what is not covered. Make sure you read them and are happy that the cover you have is right for you.

Remember. Having the right insurance is no accident! :)

Ruby Magazine is printed by Adcell Group in Geelong; an online version is available at the following website:

http://www.adcellgroup.com.au/read-ruby.html

Catalogue Your Household Contents

Thu, 25 Aug 2011 14:45:00 GMT

Catalogue your household contents. It is a good idea to catalogue your household contents. For example, take photos, keep receipts, create a spread sheet and itemise each room’s contents. This may seem like a tedious task; however it is really important. After you have documented what you already own, adding your new purchases (and removing what you no longer have) will be easy to then edit.

It will help give you an accurate value of all of your household contents and therefore will not leave you underinsured.

In the event of a claim, particularly a burglary claim, you have proof of ownership; and

It gives you peace of mind knowing that you will not be short changed in the event of a total loss claim.

If you need some help, or have any questions, email us via the ‘Contact Us’ page and you will receive a pre-prepared spread sheet to help get you started.

Ruby Spring Issue

Thu, 15 Sep 2011 11:35:00 GMT

Read Melissa's latest Ruby article in the Spring issue:

Let's talk about monthlies!

Every girl still needs protection in these tough economic times. Instead of dropping or reducing your cover here are some tips on alternative payment methods. Monthlies. J

Instead of paying in a lump sum, ask your insurer about paying by instalments. Most insurers allow you to pay your premiums via instalments [monthly, quarterly] either from your bank account or credit card.

Direct debit is fast becoming one of the most popular payment methods. Paying by direct debit allows you to budget. Increases are easier to deal with as they are spread over more payments.

Remember though the policy is still renewed every year, the payments are just monthly.

Monthlies can be suitable for all types of policies including house, car, business trucks etc.

Things to note:

If you cancel your policy mid-term there may still be cancellation fees.

Payment can be taken from either a credit card or bank account.
Add up the total cost to be sure how much it is really costing you. [Some charge extra for this service]

Most agent or broker have options that do not cost you extra.

Be careful you do have enough money in your accounts to cover payments.

Note from your payment schedule the dates and amounts due [ Mark them in your calendar, diary, iPod, iPad or iPhone!]

Avoid missing two payments in a row, as most insurers would request full payment or they can cancel the policy. Read the ‘T’s and ‘C’s of your agreement.

If you have a car write off [total loss] you will still need to pay the outstanding premium. [ Usually taken out of your settlement amount]

Monthlies help you keep a little spare in your purse.

The article can be found at the following website (on page 43):

http://www.adcellgroup.com.au/read-ruby.html

Review your Policy

Wed, 04 Jan 2012 12:30:00 GMT

Much like a car, your House & Contents Insurance policy will always need to be serviced - if not, it will fail when you need it most. For example, your building sums insured should be for replacement cost, not market value of your house and land. Land value should not be included in you building sums insured.

A replacement value can easily be obtained by working out how many squares your house is, multiplied by the value per square. For example, if you had a 22 square brick veneer home and the cost to rebuild was $15,000 per square, then your replacement value would be around $330,000. Keep in mind, quality fixtures and fittings that may also increase to cost of the build.

Ruby Summer Issue

Thu, 09 Feb 2012 11:28:00 GMT

Read Melissa’s latest Ruby article, covering the importance of travel insurance here, http://www.adcellgroup.com.au/read-ruby.html (see page 16)

Welcome to our new Website!

Wed, 06 Jun 2012 10:22:00 GMT

It is with great pleasure that we announce the arrival of our new website.
You can now quote and buy House, Contents, Car, Travel and Landlords Insurance online at your convenience. 24 Hours a day, 7 days a week. You can save and recall quotes, or bind immediate cover at a time when it suits you.

Geelong Business Excellence Awards 2012

Thu, 19 Jul 2012 12:30:00 GMT

We Won! At the recent business awards Allsure came away with a shiny new award.
Thank you to the team at Allsure Insurance. With out your hard work and dedication we would not have won the 2012 commercial service (mirco to small business). And a thank you to Vecci for sponsoring the award and we would like to congratulate the other winners.

Social Media

Thu, 26 Jul 2012 11:55:00 GMT

Check out this article that Allsure's Aaron has written for the CGU AR council about social media.
Click on this link to take you there.
www.cgu.com.au/news-media/cgu-insights/Pages/MessagefromtheARCouncil.aspx

Geelong Business Excellence Awards 2012

Thu, 26 Jul 2012 12:35:00 GMT

Today in the paper there are profiles on all the award winners, us included.
Here is the content found in the newspaper. Again we would like to congratulate the team here at Allsure and everyone else who took the time to enter the awards.
If you want a closer look at the image go to:
acrobat.com/#d=YwXbDm3LRRhRAPwMD1vrLw

Boris the BMW

Fri, 14 Dec 2012 11:47:00 GMT

We welcome the Allsure Team - Boris the BMW.

Ruby - Summer

Fri, 14 Dec 2012 12:03:00 GMT

Check out the latest article by Melissa in the Summer edition of Ruby Magazine. Link is below.

issuu.com/redonion/docs/ruby_summer_2012/9

Allsure Insurance Racing Team

Mon, 29 Apr 2013 10:36:00 GMT

On Sunday 28th April, four members of the Allsure Racing Team and 2 support crew headed to the PIARC Sprint Series day at Phillip Island for their first drive on the track. The day started out wet, but eventually dried, and the lap times improved greatly!
Aaron and Sebastian drove the Subaru WRX and Fred and Jacqueline drove the trusty Toyota Celica. Best times for each are
Aaron - 2:01.6735
Seb - 2:06.3453
Fred - 2:16.8050
Jacq - 2:23.8313

A great day was had by all involved, with special thanks to Melissa and Stephanie the wonderful support crew.

;

The new feature of Geelong's Skyline

Thu, 23 May 2013 11:52:00 GMT

Tour de Cure

Thu, 23 Jan 2014 15:10:00 GMT

We are pleased to sponsor our very own Aaron Donaldson in the upcoming Tour de Cure.

Aaron will be playing a supporting role for the riders for the duration of the ride - from the 28th of March until the 6th of April.
The ride covers 1576km's from Sydney to Hobart, over some of Australia's highest and hardest roads.
They aim to raise $3 million to provide funds for the research, support and prevention of cancer. Currently, nearly $1 million has been raised.
Click here to make a donation to the cause.

If insurance were a sandwich...

Mon, 03 Feb 2014 15:29:00 GMT

As I stood in line, reading from the available selections on the menu board, I read ‘Freshly made Ham and Cheese toasted sandwich’. Mmmmmm just what I felt like. My expectations of a delicious lunch, were about to be fulfilled. You’ve probably had a similar kind of experience?

I'd imagined thick slices of hand cut La Madre sourdough.
Local Geelong made ham, sliced thinly off the bone, piled up in little layers of goodness
Add a Meredith feta, velvety smooth and tasty, with little peppers dotted around.

The price suggested it should be delicious; it wasn’t the cheapest ham and cheese toasty I had seen.

They wrap it up in some white paper, then a little brown paper bag, it smells good.

Taking my lunch, I eagerly open it to discover it is the sandwich sliced bread, may be No Frills variety,
the ham is just the packet ham and the cheese is what my kids term ‘plastic cheese’, the single wrap assortment. Not smothered and cooked golden in butter, but a few thin scrapings of margarine, burnt around the edges and to top it off, it was stuck to the paper! I didn’t get anything like I was expecting.

You may wonder why such an analogy. As with insurance be sure you know what you are buying, as you don’t always get what you are expecting.

If I had a dollar for the times I have heard, from people comparing their insurance, ‘it’s exactly the same, but cheaper’ …I’d be very rich.

Insurance isn’t all the same, and the price is not even an indication of quality, you must read the policy wordings to fully know what it covers, study the menu carefully. If only I’d asked what ingredients they use in their toasted sandwiches, I could have made a different choice.
What are the limits for jewellery, does it include rebuild costs, and does it cover items away from home? Does it have delicious La Madre sourdough or thin sliced No Frills bread?

This article was written by Melissa and appeared in the Summer edition of Ruby Magazine.