Public Be Warned, Please Do Not Use Comminsure, It Is a Scam

LEliz99 on 29/03/2017 - 16:15
Last edited 29/03/2017 - 20:33 by 2 other users

Comminsure is really unethical, and it is a scam, please do not use them or leave them asap!

We had terrible tenants in our two investment property and missing lots of rent and damaged the unit. We claimed through Comminsure 15 month ago (their police only cover for 12 month loss of rent), and they were very slow sending an assessor 4 month after we put the claims. During the 4 month waiting period, the units have been broke in, and more damages have been done. We have to deal with police and at same time push Comminsure speed up their process.

Comminsure has blamed their responsibility on strata insurance, which strata insurance did repair 90% of the damages, and they believed that it is landlord insurance duty to pay us loss of rent during the period of repairmen, because the unit was not liveable.

Comminsure customer resolution team contacted us, she told us she is the boss of Comminsure, everyone decision has to be finalised by her.
We provided all the information to her during the 15 month, and she said because we had two investment properties which had damages, so she needs to send investigation team on us, but she ensure us, if we have nothing to hide, after the investigation, we will get pay of our loss of rent and damages of contents.

It is personally humiliation, we went through the investigations at our house, and we are clearly out all the criminal and financial check-up. She find an excuse to say that “did not provide her the strata insurance details”, and we email her the picture of our text message to the assessor of strata details, she find another excuse demanding letter from strata to say that they will not pay us loss of rent.

Now she had strata letters, she pretended that she did not receive the letter, and we bring the letter to the CBA branch to give to her again, she said that she did not need the letter.

We have paid the insurance for 15 month and waiting for her to pay the claim, and at the same time, we have to pay for the mortgage to CBA for the investment properties.

The unit is not liveable, and today she confirmed to me on the phone in the CBA Branches that Comminsure will not pay us for any loss of rent or damage of the content because our tenants are on “periodic lease”.

It is not stated on their landlord insurance policy, everyone please be warned, that the people working in the CBA branch and Comminsure they are totally different departments. In the branch, staffs are nice and helpful, however, when things happen, the branch staff cannot help you. Comminsure people are liar, and please do not talk to them on the phone if you put a claim, go through email, or record them if you can. They are always trying to find way to decline the claim, it is not worth it to pay them insurance.

For any reason if they put you to a stupid investigation, get you lawyer straight away, but if you have not claim any insurance with them yet, change to insurance ASAP!

We used to have 9 insurances with them, never use it before, but when things happen, they are not there for you; it is just make your stressful situation worse.

It is totally waste money to be with Comminsure, please be aware!

Any lawyer interested in our stressful case, please contact us here.

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Comments

  • 87percent on 29/03/2017 - 16:16

    not sure if it's a good idea to actually name people.. but good luck with it!

    • [Deactivated] on 29/03/2017 - 16:26
      +4

      this is OzBargain, not OzDefamation

  • Big Trev on 29/03/2017 - 16:27
    +3

    I'm betting their lawyers are going to be better than your lawyers. I'd rethink your wording.

  • bluesky on 29/03/2017 - 16:46
    +4

    After the story last year, of how CommInsure pressure doctors to help them avoid payouts to sick and dying, I am generally wary of the brand.

  • spackbace on 29/03/2017 - 16:46
    +2

    We had terrible tenants in our two investment property and missing lots of rent and damaged the unit.

    In both units, at the same time…?

    During the 4 month waiting period, the units have been broke in, and more damages have been done.

    Again, both units got broken into…?

    Wow these are apparently very cursed units.

    • [Deactivated] on 30/03/2017 - 16:10

      This is not that uncommon when you are buying two apartments in the same building off the plan.

      Usually there is a large discount from the developers for upfront payment and multiple sales.

      I have had some problems like this in the past. It is worse when you are holding them without anyone renting them… I think some thieves must live in the same building and know that it is only used for storage/investment purposes.

      Having someone use it will mean renovations, bathroom is a must every few years… That is a cost into the future. Plus the place will not look brand new ever again. Rent money will never cover this.

      However, the OPs circumstance looks a bit weird, but not entirely impossible.

      • spackbace on 30/03/2017 - 16:13
        +1

        This is not that uncommon

        To have 2 bad tenants over the same time-frame would be pretty uncommon

        • [Deactivated] on 30/03/2017 - 16:16

          then you clearly live in a fantasy world
          there are two drug dealers in my apartment block as it is, and the building manager has done SFA to sort it out
          we have police here weekly removing people / arresting people
          so its more common than you think

        • spackbace on 30/03/2017 - 16:17
          +2

          @shawncro 222:

          So as an owner, when you go through applications, you'd pick the ones without a long-term job, or that just appear dodgy from one-on-one interviews…?

          Come off it.

          It's pretty easy to pick a bad egg from a good one if you actually go through the right processes, not just a case of 'that'll do'

        • ozbargainer888 on 31/03/2017 - 14:00

          @shawncro 222: Where do you live?

        • CacheHunter on 01/04/2017 - 01:08

          Sounds to me like either you got really unlucky or you should have vetted your tenants better. Did you check references, confirm employment details, ask personal questions about lifestyle etc? or just take whoever and assume that insurance would pick up the loss of you made bad choices of who to let live there?
          Why did you choose Commissure? Was it because your Liam is with CommBank, or some other reason?

  • boomramada on 29/03/2017 - 16:47

    Only issue you having with them are delay of processing your claim and slow communication, rest is more towards the fine print. Most other insurance has similar terms.
    Before you finding a lawyer, read the find print ;)
    ie;
    will not pay us for any loss of rent or damage of the content because our tenants are on “periodic lease”
    only cover for 12 month loss of rent

    • Nutrino on 30/03/2017 - 00:03
      +3

      No one deserves to have their property damaged.

    • Gunther on 30/03/2017 - 00:27
      +3

      blitz is jealous… ignore him/her

    • boomramada on 30/03/2017 - 09:35
      +1

      Some people act like they not allowed to have a investment property or something.
      People do work hard for their investments and some starting investment property from nothing by working hard.

    • blitz on 30/03/2017 - 11:15
      +1

      I concede that no one should have their property damaged. And, further, I'd also be angry if any of my own investment properties were damaged. And, yes, perhaps I did come off as a little gruff.

      However, I see this kind of wear and tear as par for the course when renting a property - just like poor stock market performance is par for the course when investing in shares.

      Look I think I was probably in a bad mood when I posted this.

  • [Deactivated] on 30/03/2017 - 00:32

    Post the policy here

  • lozbargain on 31/03/2017 - 16:35

    So the term "periodic lease" is not contained in the pds document. Go back to them and ask them to point out where in the pds lies grounds for you not being covered.

    All I can see that might apply:
    You are not covered:
    • if your insured address has been
    unoccupied for more than 60
    consecutive days immediately prior to
    the date the Insured Event occurred;

    And:
    Limits
    The amount of rent we will pay will be
    based on the average weekly rent paid
    over the 52 weeks period immediately
    before the Insured Event occurred up to
    a maximum period of 52 weeks.

    Did your periodic tenants pay a "weekly rent"?

    • lozbargain on 31/03/2017 - 16:46

      Sorry found another clause.
      Under malicious damage by tenants (p72):
      You are not covered if:
      • your building being used as a seasonal
      rental property.

      Same clause is under the loss of rent extra p71 which covers loss of rent due to tenants not paying.

      So depending on what you mean by periodic and they mean by seasonal, you might not have much luck.

      The loss of rent due to the property being uninhabitable (p62) is reliant on there being an insured event. Thus if the malicious damage and loss of rent extra clauses are denied I don't think you are covered here.

      The burglary section (p54)
      What is covered
      You are covered for loss of or damage to
      your building and/or contents:
      • caused by theft or attempted theft; and
      • which you have reported to the Police
      unless it was committed by:
      • you or a person who lives at your
      insured address;
      • a person with your consent or the
      consent of a person who lives at your
      insured address; or
      • a person, who at the time of the theft or
      attempted theft, was at your insured
      address with your consent or the
      consent of a person who lives at your
      insured address.

      I couldn't see any obviously applicable exclusions. So if you have before and after photos which show the damage done by the theft, that should be covered? I have no idea what the damage the theft may have caused, but it might be a bit of a stretch to argue the theft damage made an already uninhabitable property uninhabitable.

      It sounds like the strata insurance covered damages already though. I'm not sure you have a legal foot to stand on for the loss of rent though. Hope I'm wrong and this as of some help.

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