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The Pub For General Automotive Related Talk |
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10-01-2007, 09:08 AM | #1 | ||
Formally Kia Chaser
Join Date: May 2005
Location: Newcastle
Posts: 2,493
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Was watching Sunrise this morn between 7:30 and 7:45 when an APIA ad comes on telly, stating that they don't offer insurance to 21 years old drivers because they are crazy in the car.... Is this not discrimatory? or unfair branding?.. I felt a little offended.... but I know that this is coming from an old bat that can't see past the 30 year old merc badge on her bonnet, so I didn't take too much offence..... but still.....
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10-01-2007, 09:17 AM | #2 | |||
Force Fed Fords
Join Date: Aug 2005
Location: Enroute
Posts: 4,050
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Discriminatory.
No, she is not discriminating at all, it is in the same vein as saying that getting an old age pension is discriminatory for young people. I wouldn't worry about it. They did a funny send up of it on comedy inc, called it OCIA or Old Codgers Insurance Agency, and they told people less than 75 to F off.
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10-01-2007, 09:30 AM | #3 | |||
Official AFF conservative
Join Date: Dec 2004
Location: Adelaide, SA
Posts: 3,549
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Quote:
I think the APIA adds would be let off as they're being harsh "for the sake of being harsh"... i.e. it's obviously exaggerating to make a point... along the sames as puffery in common law i think. There's no discrimination in underwriting. If they dont want ya... they wont take ya... What i dont like... Is the stupid little TV show they "put on" for their adds. It's a financial product, they're offering general financial advice... it should not be passed off as something its not.
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A cup half empty... but full of euphoria. |
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10-01-2007, 09:17 AM | #4 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Posts: 14,654
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Ive seen the ad.. its not quite as blatent as you've put it, i actually thought it was clever marketing and a good idea if it works out to be cheaper for the "elderly".
I'd be interested to see what the premiums are ACTUALLY like.. Its pretty common knowledge that "lower risk" insuree's have been subsidising the premiums of "higher risk" insuree's to some extent for years.. Im sick of my premiums being higher because of the higher risk groups, i'll have to wait a while for this scheme though!!. If they can Genuinely offer cheaper insurance to the elderly because they are a much lower risk by seperating them out then i think that's a good thing.
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10-01-2007, 09:24 AM | #5 | ||
Regular Member
Join Date: Jun 2006
Posts: 122
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Lets not forget 20yr olds have their own insurance companies too such as Young and Cool and Justcar.
But imagine the uproar if they claimed they dont "insure old bats on the road", as opposed to APIA not insuring "crazy 21 yr old drivers" |
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10-01-2007, 09:31 AM | #6 | ||
FF.Com.Au Hardcore
Join Date: May 2005
Posts: 3,150
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whats really funny is my old boss has an insurance agency and he told me a few months ago that they offer good pensioner rates as they never pay out unless really pushed to, they have the worst lot of fine print excuses to protect themselves than any other Insurance company.his company wont even deal with them anymore as he has ethics.he advises clients to use anyone but them
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10-01-2007, 09:35 AM | #7 | ||
SV6000. Yum
Join Date: Aug 2006
Posts: 846
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You actually waste your time watching that tripe in the morning?? get off the couch and go to work
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10-01-2007, 11:25 PM | #8 | ||
XR5T - Sea Grey.
Join Date: Feb 2005
Posts: 858
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The best way to get back at APIA is to live long enough to be eligible for their services and still not use them. If everyone did that they'd be out of business in 30 years.
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10-01-2007, 11:13 AM | #9 | |||
Boooostn'
Join Date: Dec 2004
Location: Adelaide Northside
Posts: 905
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Anyway, I only had 3rd party fire and theft, so I had to write a letter of demand, did that, she forward it to her APIA who then proceeded to call me and tell me that it was my fault coz their member said it was. I advised them of the police report that stated that she was at fault, and they wouldn't have a bar of it. I had to get the nice Officer that was there to actually call them before they would accept it was her fault!! After the repairer fixed my car it sat there for months before the bastards would pay out. Needless to say, that inspired me to get comprehensive.
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10-01-2007, 09:34 AM | #10 | ||
hmm eyebrows
Join Date: Jan 2005
Location: Lower Hunter Valley, NSW
Posts: 2,393
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Easily offended=thin skin. Its a generalisation about young male drivers just like young male drivers generalise about fossils driving.
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10-01-2007, 09:39 AM | #11 | |||
not here much anymore
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Location: Sthn NSW
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Quote:
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10-01-2007, 10:22 AM | #12 | ||
Sold...
Join Date: Aug 2006
Location: Adelaide
Posts: 865
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Over 70s have a far greater crash + fatality rate than even P platers...
But, thats because they are blind, death, and forget which pedal is the brake...
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10-01-2007, 01:04 PM | #13 | |||
Peter Car
Join Date: Dec 2004
Location: geelong
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10-01-2007, 11:02 PM | #14 | |||
335 - STILL THE BOSS ...
Join Date: Dec 2004
Location: Melb East
Posts: 11,421
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As said....build a bridge and grow old gracfully : | [/url] |
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10-01-2007, 10:22 AM | #15 | ||
Back in a Ford
Join Date: Jan 2006
Location: Central Australia
Posts: 2,620
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If you don't like it, then lodge a complaint.
http://www.adstandards.com.au/pages/page38.asp I was listening to the radio the other day and they asked listeners which ad's ticked them off. There were a few! Not one of them had lodged a complaint, so nothing was done! Cheers
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10-01-2007, 10:27 AM | #16 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Location: Northern Sydney
Posts: 1,908
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Promina owns APIA.
Promina also owns AAMI, Just Cars, Shannons and RAC Insurance (WA). Look beyond the brands and you can quickly realise that Promina is the ultimate underwriter, so I guess the irony is that the actual cost to Promina of underwriting for each policy would probably be quite similiar. IE - It's just marketing and departmentalisations. |
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10-01-2007, 11:09 AM | #17 | |||
SV6000. Yum
Join Date: Aug 2006
Posts: 846
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PS: The cost of underwriting a 85 year old's house against a 30 year old is MUCH MUCH lower. |
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10-01-2007, 10:14 PM | #18 | |||
Regular Member
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10-01-2007, 10:34 PM | #19 | ||
FF.Com.Au Hardcore
Join Date: Dec 2004
Location: QLD
Posts: 4,446
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STOP your bloody whinging you ...F...W.ts.
And get on with life lest it kill you in revenge for your whinging.
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10-01-2007, 11:31 AM | #20 | ||||
Official AFF conservative
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Location: Adelaide, SA
Posts: 3,549
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Quote:
Quote:
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A cup half empty... but full of euphoria. |
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10-01-2007, 11:37 AM | #21 | |||
Sold...
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Location: Adelaide
Posts: 865
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Quote:
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On holiday travelling around Australia... : |
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10-01-2007, 01:35 PM | #22 | |||
FF.Com.Au Hardcore
Join Date: Jan 2005
Posts: 5,165
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I remember when I worked for APIA it was part of Australian Alliance Insurance who were underwriten by Royal Insurance ...... but that was a long time ago too ........ Back then I treated all claims on merit & most were paid ... Yes I was the Claims Manager :P As Dave has said it is all just a marketing ploy to make it sound like they are different companies ........ |
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10-01-2007, 10:28 AM | #23 | ||
xr lover
Join Date: May 2006
Location: Alexandra Hills
Posts: 26
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I didn't take offence but thought there was no need for the comment about young crazy drivers that smash things aroung the house!!
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10-01-2007, 10:33 AM | #24 | ||
Sold...
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Location: Adelaide
Posts: 865
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Old people always complain about ads, it would make my day if enough people complained they took it off the air. It would be on the news
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10-01-2007, 10:47 AM | #25 | ||
FF.Com.Au Hardcore
Join Date: Jul 2005
Location: Cairns
Posts: 725
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Don't worry, they will be dead in a few years anyway........
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10-01-2007, 10:51 AM | #26 | ||
Sold...
Join Date: Aug 2006
Location: Adelaide
Posts: 865
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I lodged my complaint... Now, more young people need to complain. You only need a few complaints, and they will take it off the air.
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10-01-2007, 10:59 AM | #27 | |||
FF.Com.Au Hardcore
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Quote:
David |
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10-01-2007, 11:03 AM | #28 | ||
Sold...
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Location: Adelaide
Posts: 865
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Will get my gfriend to complain tonight, that will make at least 3 complaints
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10-01-2007, 11:10 AM | #29 | |||
SV6000. Yum
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10-01-2007, 11:24 AM | #30 | |||
Sold...
Join Date: Aug 2006
Location: Adelaide
Posts: 865
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Quote:
In SA there has been a drop in fatalities this year, attributed ONLY to the reduction in deaths under 25s. ALL other age groups have remained the same. SA has far less driving laws for P plate drivers than NSW....
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