Vim li cas tej nqe insurance thiaj kim tuaj thiab koj muaj peev xwm ua tau dab tsi los pab

Kab theem nyiaj poob nqe kuj tau nqes los qes rau lub sij hawm ob xyoos no, tab sis tej insurance mas kim zuj zus tuaj ntxiv lawm xwb. Nod yog tej uas peb paub.

The Australian Bureau of Statistics (ABS) says the cost of claims, higher reinsurance and natural disasters are causing an increase in premiums. Source: Getty / d3sign

Ntsiab lus tseem ceeb:

• Tau muaj xov xwm tshiab qhia tias tej nqe insurance tau kim tuaj ntxiv tshaj 16 feem pua rau lub caij 1 xyoos dhau los txog rau peb hlis kawg xaus rau lub 12 hlis ntuj xyoo 2023.
• Tej kws thiab tej tuam txhab insurance hais tias tos tej nqe insurance kim tuaj ntxiv, tej xwm txheej ntuj tsim kev puas tsuaj, thiab tej nqe claims insurance kim ces thiaj tau ua rau tej nqe yuav insurance kim tuaj ntxiv.
• Lub koom haum Insurance Council of Australia tau qhia tias tej tuam txhab muag insurance los kuj ''khwv tau nyiaj tsam tsawg'' rau lub caij peb xyoos sib law liag.

Yog tias koj tej nqe them insurance tau kim tuaj ntxiv tsaib no lawm, ces tsis yog koj tib leeg xwb.

Raws li cov xov xwm Consumer Price Index tshiab qhia, ces cov nqe yuav insurance yog co nqe tau nce kim tshaj plaws tuaj tsaib no txij xyoo 2001 los no.

Tab sis vim li cas tej insurance thiaj li kim tshaj qub ntxiv lawm, thiab yus puas muaj pev xwm yuav ua tau ib yam dab tsi los pab?

Tej nqe them yuav insurance tau nce kim tuaj npaum li cas lawm?

Raws li lub koom haum Australian Bureau of Statistics (ABS) hais ces lub caij peb hlis xaus rau lub 12 hlis ntuj xyoo 2023 ib xyoos dhau los ntawd ces tej nqe yuav insurance tau nce kim tuaj ntxiv txog 16.2 feem pua lawm.

Thiab tej nqe yuav insurance tsuas nce txog 6.3 feem pua rau tsaib ub rau lub sij hawm ib xyoos txog rau lub 12 hlis ntuj xyoo 2022 xwb.

Yog li ntawd lub koom haum Finder uas piv nyiaj txiaj thiaj txheeb tau tias txog rau lub 12 hlis ntuj xyoo 2023 kuj tau nce kim tuaj ntxiv txog 19.8 feem pua pib txij xyoo 2021 lawm.

Raws li lub koom haum Finder hais ces tej nqe yuav comprehensive car insurance tuav pov hwm ib lub tsheb nrab twb txog li ntawm $130 ib hlis twg lawm.

Thiab raws li lub koom haum Finder cov kev teeb txheeb tau qhia, ces tej nqe them yuav nyiaj tuav pov hwm tsev (home insurance) twb raug $143 ib hlis twg rau ib lub tsev raug nqe txog $500,000 thiab pov puag tej nqe cuab yeej cuab tam txog $100,000.

Vim li cas tej nqe insurance thiaj tab tom kim tuaj?

Raws li ABS hais ces vim tej kev yuav nyiaj tuav pov hwm kom tau txais kev pov puag ntau tuaj ntxiv, tej nuj nqe uas claim insurance kom tuaj ntxiv ces thiaj ua rau tej nqe yuav insurance tuav pov hwm tsev, tuav pov hwm tej cuab yeej cuab tam thiab tsheb kim tuaj ntxiv.

Kuj tau muaj ib tug kis ntawm lub koom haum Insurance Council of Australia tau qhia rau SBS News tias tej xwm txheej huab cua phem kuj tau ua rau tej nqe yuav insurance kim tuaj ntxiv.

Tus kis no tau hais tias "Tej nqe yuav insurance tab tom kim tuaj los twb vim yog tau muaj tej xwm txheej ntuj tsim kev puas tshuaj ntau tuaj ntxiv, thiab tsis tas li ntawd los peb tej peev txheej kuj muaj nqe tuaj ntxiv ces thiaj yuav tau them nqe kim dua los yuav dua tshiab, tej kab theem nyiaj pob nqe los kuj ua rau tej nqe vaj tse thiab kho tsheb kim tuaj ntxiv, ces thiaj ua rau tej tuam txhab insurance muaj nuj nqes ntau yam.''

Steve Mickenbecker uas yog tus tswj cov hauj lwm National Services ntawm lub koom haum Canstar tau hais tias tej xwm txheej huab cua phem ntau yam, nrog rau tej txuam thawj ntau yam ntawm tej lagluam tau ras los ua ''ib co teeb meem tseem ceeb'' rau tej tuam txhab insurance.

Nws kuj tau hais tias kum tau muaj tej customers mus claims insurance ntau tuaj ntxiv, thiab yuav tau siv nyiaj ntau mus daws cov kev claims thiab ces thiaj tau ua rau tej nqe yuav insurance kim tuaj ntxiv.

Nws tau hais tias "Ces tej xwm txheej huab cua phem no thiaj yog ib co teeb meem rau tej tuam txhab insurance; vim yeej tau muaj tej xwm txheej huab cua phem thiab dej nyab rau ntau xyoo dhau los no."

"Thiab vim nyiaj poob nqe, ces tej nqe siv ua luam thiaj tau kim tuaj ntxiv (thiab) tej nqe kho thiab nqe hloov dua tej khoom tshiab los kuj tau kim tuaj ntxiv lawm.

"Yog li ntawd thiaj tsis yog ib lub zoo caij rau tej tuam txhab muag insurance uas muaj neeg mus claim ntau thiab yuav tau siv nyiaj ntau mus daws cov kev claims no.''

Dua ntawm tej nqe kho thiab tej nqe cuam tshuam txog kev ua luam lawm ces nws kuj tau hais tias tau muaj kev ua txhaum cai ntau tuaj ntxiv thiab ces thiaj ua rau tej nqe yuav insurance tuav pov hwm tsheb kim tuaj ntxiv.

Yus muaj peev xwm ua tau dab tsi?

Thaum tham txog cov kev yuav insurance lawm ces cov kev ua siab ncaj thiab pheej siv lub tuam txhab insurance qub nkaus xwb yeej tsis tau dab tsi - tab sis cov kev teeb txheeb thiaj yuav tau txais txiaj ntsim.

Uta Mihm uas yog ib tug kws paub zoo txog insurance ntawm lub koom haum CHOICE uas pab tej neeg yuav khoom siv tau taw qhia rau tej customers kom txheeb tej lawv tej tuam txhab tej vas sab (website) thiab thov ib daim quote online, vim ib tug customer tshiab yuav tau nqe insurance pheej yig dua yog piv rau tej neeg uas pheej rov qab yuav insurance policy nrog tib lub tuam txhab qub xwb.

Nws tau hais tias "Ntawd yog qhov zoo tshaj plaws, thiab yog ib yam yooj yim tshaj plaws uas yus muaj peev xwm ua tau."

"Lwm yam uas yus tsim nyog ua ces yog tias yus twb yuav insurance nrog lub tuam txhab tau ob xyoos los yog ntev tshaj ntawd lawm ces tsim nyog yuav tau mus nrhiav dua lub tuam txhab tshiab - kom yus thiaj muaj peev xwm txuag tau nyiaj ntau heev."

Nws tau hais tias cov kev kam them yus cov excess kuj yuav pab kom yus tau them nqe yuav insurance pheej yig thiab, tab sis tej zaum kuj yuav ua rau yus tsis tau txais kev pov puag rau cov kev claim tej yam me me thiab.

Kuj muaj ib txhia tuam txhab insurance kuj txo nqe yuav insurance kom pheej yig zog rau tej neeg yuav hauv online, los yog yuav ntau yam policies, los sis yog nruab twj rau lub tsev kom tau txais kev ruaj ntseg.

Tej tuam txhab insurance tau nyiaj tsam ntau npaum li cas?

Lub koom haum Insurance Council of Australia (ICA) tus kis tau hais tias tej tuam txhab insurance kuj tsis tshua khwv tau nyiaj tsam rau ntau xyoo tsis ntev los no vim tau muaj neeg mus claims ntau tuaj ntxiv thiab muaj tej nuj nqes ntau yam yuav tau siv tswj tej lagluam no.

Tus kis no tau hais tias "Vim tau muaj tej xwm txheej huab cua phem los ntev txij cov xwm txheej hav zoov kub hnyiab Black Summer, ces tej tuam txhab insurance yeej khwv tau nyiaj tsam tsawg rau lub caij peb xyoos sib law liag lawm, tab sis kuj khwv tau zoo zog tsaib no vim tau nyiaj los ntawm cov kev nqes peev zoo dua thiab tej insurance muag rau tej tuam txhab lagluam.''

Txawm li cas los tej kev muag nyiaj tuav pov hwm tsev (home insurance) kuj poob nyiaj txog li ntawm $220 million rau lub caij tsis ntev los no thiab raws li tej xov xwm muaj tau qhia thiab yeej tseem muaj teeb meem rau tej product no.

"Lub koom haum ICA thiab tej tuam txhab insurance yej yog cov txhawb nqa kom yuav tsum tsim ib co tswv yim coj los pab kom tsis txhob ntsib teeb meem thiab pab kom tej nqe insurance hauj sim li npaj siv av kom zoo tshaj qub, muaj tej cai zoo los tswj cov kev tsim vaj tse, thiab nqe peev kom ntau ntxiv los pab tsim tej haus paus txhim kho, thiab tshem tsis txhob siv tej xeev cov kev sau se insurance."

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