this post was submitted on 31 Jul 2023
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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.