this post was submitted on 31 Jul 2023
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As someone who is financially "comfortable" right now, I worry about the next year. We just got our insurance quote (home and auto) and it went from 2200 a year to 3500 a year because "COVID" caps have been removed and now everyone is free to jack up rates again (or so our agent told us, we will be shopping around). Wife just hurt her knee bad and now the 20k we have set aside to remodel our kitchen could vanish inside 6 months because of the horrifically predatory health care hell we live in.
I can't imagine what this would be like with no money set aside. I would be absolutely terrified. As it is now I'm just only slightly scared.
Yeah, same boat. Financially, we're doing well. We're lucky I work in a good, secure technology role, and I earn well in my particular market. One additional benefit I have is that I work for an org that pays for top shelf health cover as part of my package.
Our total insurance went up at renewal time (March) - house, two cars and a caravan, and they went up by around $1200 for the year. They (RACV) had increased the replacement value on my car, but there were no other major changes. I called them up and said that I'd have no choice but to look around the market - I can't justify a $1400 increase when I haven't made a single claim myself, and the cost of living itself was going up so much too.
They took me through a bit of a detailed questionnaire for the house and car policies and, with some tweaking on excesses for the cars, got the increases down to around $300 for the year across all four policies. Still a hit, but nowhere near as big a hit if I hadn't made the call.
I'm expecting them to go up again next year - I think I'll be looking for an insurance broker at that point.