APIA ad on telly unfair....

AWD Chaser · 10-01-2007, 09:08 AM

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.....

ltd · 10-01-2007, 09:17 AM

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.

4.9 EF Futura · 10-01-2007, 09:30 AM

Quote:

Originally Posted by ltd

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.

Hahaha. Yep, that was gold!!!

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.

4Vman · 10-01-2007, 09:17 AM

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.

SirJuggsalot · 10-01-2007, 09:24 AM

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"

OLDFORDNUT · 10-01-2007, 09:31 AM

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

05MkIIFutura · 10-01-2007, 09:35 AM

You actually waste your time watching that tripe in the morning?? get off the couch and go to work

MeestaNob! · 10-01-2007, 11:25 PM

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.

MightyXR6Turbo · 10-01-2007, 11:13 AM

Quote:

Originally Posted by nicholas

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

I've witnessed that first hand. In a nutshell, when I was 17 I had a head on collision in a back street where some 70 year old woman (with cateracts in both her eyes I might add!) decided to turn infront of me, resulting in me crashing head on with her car (she was on my side of the road as well). My poor XD was badly bent up. Anyway, had to cops out, the cop commended me on my obvious effort to try and swerve out the way, and then issued a warning to the old woman for driving without due care.

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.

banarcus · 10-01-2007, 09:34 AM

Easily offended=thin skin. Its a generalisation about young male drivers just like young male drivers generalise about fossils driving.

b2tf · 10-01-2007, 09:39 AM

Quote:

Originally Posted by au3 chaser

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.....

Bah, get over it.

BAFalconXT · 10-01-2007, 10:22 AM

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...

Bossxr8 · 10-01-2007, 01:04 PM

Quote:

Originally Posted by BAFalconXT

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...

Too true, last week I witnessed an old woman so geriatric she was driving the wrong way down a 4 lane divided highway. Instead of turning right from a slip lane to join the road she turned left, right into the direction of traffic. Luckily the people coming the other way were going slow and could avoid her.

Auslandau · 10-01-2007, 11:02 PM

Quote:

Originally Posted by Bossxr8

Too true, last week I witnessed an old woman so geriatric she was driving the wrong way down a 4 lane divided highway. Instead of turning right from a slip lane to join the road she turned left, right into the direction of traffic. Luckily the people coming the other way were going slow and could avoid her.

....and I saw about 20 bloody P platers and 100 other non P's doing stupid things all day!!! If there was more old people here there would be less silly comments and less whining! More old people die on the road than P's? I dont know the actual statistics and neither do you so I wont say its wrong, can you prove its true?

As said....build a bridge and grow old gracfully

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Dazza XLT · 10-01-2007, 10:22 AM

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

Dave_au · 10-01-2007, 10:27 AM

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.

05MkIIFutura · 10-01-2007, 11:09 AM

Quote:

Originally Posted by Dave_au

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.

Promina is also owned by SUNCORP, who is also a fairly large underwriter (especially in QLD where they are currently still repairing the damage caused by the cyclone)

PS: The cost of underwriting a 85 year old's house against a 30 year old is MUCH MUCH lower.

ls f6 · 10-01-2007, 10:14 PM

Quote:

Originally Posted by 05MkIIFutura

Promina is also owned by SUNCORP.

Still a few hoops for both parties to jump through before that is true...

MO · 10-01-2007, 10:34 PM

STOP your bloody whinging you ...F...W.ts.

And get on with life lest it kill you in revenge for your whinging.

4.9 EF Futura · 10-01-2007, 11:31 AM

Quote:

Originally Posted by Dave_au

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.

Along with marketing, it is of great benefit to the Insurer in terms of managing the underwriting risk, reinsurance and also for premium pricing. This benefits the consumer, particularly in a soft insurance market.

Quote:

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

Lol... I thought the members of AFF hated minority groups kicking up a fuss about issues of political correctness?

BAFalconXT · 10-01-2007, 11:37 AM

Quote:

Originally Posted by 4.9 EF Futura

Lol... I thought the members of AFF hated minority groups kicking up a fuss about issues of political correctness?

Thats why young people get dumped on so much, cos they bend over and take it...

MotherNatureVer2 · 10-01-2007, 01:35 PM

Quote:

Originally Posted by Dave_au

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.

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 ........

sexy_xr6 · 10-01-2007, 10:28 AM

I didn't take offence but thought there was no need for the comment about young crazy drivers that smash things aroung the house!!

BAFalconXT · 10-01-2007, 10:33 AM

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

DJR David · 10-01-2007, 10:47 AM

Don't worry, they will be dead in a few years anyway........

BAFalconXT · 10-01-2007, 10:51 AM

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.

DJR David · 10-01-2007, 10:59 AM

Quote:

Originally Posted by BAFalconXT

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.

Yepped lodged mine to. As I call em, SOCs. Silly old c....

David

BAFalconXT · 10-01-2007, 11:03 AM

Will get my gfriend to complain tonight, that will make at least 3 complaints

05MkIIFutura · 10-01-2007, 11:10 AM

Quote:

Originally Posted by BAFalconXT

Will get my gfriend to complain tonight, that will make at least 3 complaints

Like I said earlier, I really think you need to find something to do with your time

BAFalconXT · 10-01-2007, 11:24 AM

Quote:

Originally Posted by 05MkIIFutura

Like I said earlier, I really think you need to find something to do with your time

I am on the computer anyway, replying to your comment is more of a waist of time.

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....