1
00:00:00,200 --> 00:00:02,840
Speaker 1: You're listening to Mix one oh four point nine now.

2
00:00:02,920 --> 00:00:05,120
Speaker 1: A couple of days ago, I received an email from

3
00:00:05,120 --> 00:00:08,720
Speaker 1: one of our listeners who's had some concerns well, firstly

4
00:00:08,840 --> 00:00:11,600
Speaker 1: with a couple of breakings within a six month period

5
00:00:12,000 --> 00:00:17,040
Speaker 1: and then following on from that issues with insurance. Garth

6
00:00:17,239 --> 00:00:19,920
Speaker 1: joins me on the line right now. Good morning, Garth,

7
00:00:21,160 --> 00:00:23,360
Speaker 1: Hey Katie, how are you really well? Thanks for your

8
00:00:23,360 --> 00:00:26,360
Speaker 1: time this morning? Mate? Tell us what happened firstly with

9
00:00:26,440 --> 00:00:27,360
Speaker 1: these break ins?

10
00:00:28,720 --> 00:00:34,159
Speaker 2: Oh, firstly, both occasions, I was on night shift, so

11
00:00:34,159 --> 00:00:36,479
Speaker 2: I was pretty pretty devastating. The here a phone call

12
00:00:36,520 --> 00:00:38,960
Speaker 2: from my partner that we've been broken into for the

13
00:00:39,000 --> 00:00:44,560
Speaker 2: first time. Just the shock of it all, even the

14
00:00:44,640 --> 00:00:47,239
Speaker 2: kids in the background peering out, crying and carrying on

15
00:00:48,320 --> 00:00:50,720
Speaker 2: as they would only to get home to find out

16
00:00:50,720 --> 00:00:54,520
Speaker 2: they've broken in through the back. Now that the heartache

17
00:00:54,680 --> 00:00:58,200
Speaker 2: part was, you know, trying to get selling around that

18
00:00:58,280 --> 00:01:00,520
Speaker 2: out of a night to sort of fix the issue

19
00:01:00,760 --> 00:01:04,000
Speaker 2: was the broken door. So then you know, like police

20
00:01:04,000 --> 00:01:07,360
Speaker 2: come around, they do a thorough inspection of the property

21
00:01:07,360 --> 00:01:09,480
Speaker 2: and all the rest that. They were great, couldn't help

22
00:01:09,560 --> 00:01:12,080
Speaker 2: us anymore. They passed us on to give us business

23
00:01:12,080 --> 00:01:16,760
Speaker 2: cards for victims. Of crime. However, that number doesn't actually

24
00:01:16,760 --> 00:01:21,600
Speaker 2: work after ours. Just yeah, so that was another issue

25
00:01:21,600 --> 00:01:24,520
Speaker 2: that we sort of had there. But anyway, getting down

26
00:01:24,520 --> 00:01:28,040
Speaker 2: to the nitty gritty of it all, basically, once you

27
00:01:28,120 --> 00:01:31,400
Speaker 2: got ahold of the insurance company, we sort of had

28
00:01:32,000 --> 00:01:35,000
Speaker 2: the normal thing, write down what was sort of taken,

29
00:01:35,160 --> 00:01:37,920
Speaker 2: give that to the police report as well. And then

30
00:01:38,440 --> 00:01:40,679
Speaker 2: so the first time it wasn't too bad with the

31
00:01:40,720 --> 00:01:43,640
Speaker 2: insurance they came to the party, We got the back

32
00:01:43,680 --> 00:01:48,920
Speaker 2: door and everything fixed. Most things were sort of replaced

33
00:01:49,640 --> 00:01:52,880
Speaker 2: where they could do, you know, as well as they could.

34
00:01:52,920 --> 00:01:55,280
Speaker 2: You know, there were sentimental things that were taken or

35
00:01:55,320 --> 00:01:58,720
Speaker 2: broken that couldn't be replaced. But then obviously so that

36
00:01:58,840 --> 00:02:02,720
Speaker 2: was in back in June, and obviously following that we've

37
00:02:02,720 --> 00:02:08,320
Speaker 2: got broken once again in November, same sort of issues.

38
00:02:08,600 --> 00:02:11,840
Speaker 2: Nighttime couldn't re sort of get any helped through that,

39
00:02:12,240 --> 00:02:15,840
Speaker 2: and then basically the follow up from that we end

40
00:02:15,960 --> 00:02:19,160
Speaker 2: up getting a letter sent from too. Well, they came

41
00:02:19,160 --> 00:02:23,320
Speaker 2: to the party once again, but then obviously the Christmas period,

42
00:02:23,560 --> 00:02:26,000
Speaker 2: we've got a letter sent from them on the twenty

43
00:02:26,080 --> 00:02:30,680
Speaker 2: thirty December, basically two days before Christmas, basically giving us

44
00:02:30,680 --> 00:02:34,040
Speaker 2: a to the sixth of January, so a couple of

45
00:02:34,040 --> 00:02:38,000
Speaker 2: weeks I think it was to rectify this issue, to

46
00:02:38,000 --> 00:02:43,280
Speaker 2: give them a call to say that basically that our

47
00:02:43,320 --> 00:02:46,399
Speaker 2: home insurance might not be covered and we've got what's

48
00:02:46,400 --> 00:02:50,080
Speaker 2: going on here. We rang them and the heartaching part

49
00:02:50,280 --> 00:02:53,040
Speaker 2: was basically they weren't going to insure us for our

50
00:02:53,440 --> 00:02:57,280
Speaker 2: home any longer unless we sort of come to their terms.

51
00:02:57,560 --> 00:03:01,600
Speaker 2: But it was a big if. Maybe Mike, we had

52
00:03:01,639 --> 00:03:04,480
Speaker 2: to sort of get a back to base home security

53
00:03:04,520 --> 00:03:08,680
Speaker 2: system put in, yeah, but that we sort of worked

54
00:03:08,680 --> 00:03:11,400
Speaker 2: out what that cost was back to base monitoring, So

55
00:03:12,440 --> 00:03:17,560
Speaker 2: I'll double check my information last night. So they's going

56
00:03:17,600 --> 00:03:20,920
Speaker 2: to cost us about two seven seven hundred dollars for

57
00:03:21,720 --> 00:03:26,079
Speaker 2: basic security system class fifty dollars per month monitoring.

58
00:03:26,280 --> 00:03:29,320
Speaker 1: So hang on, d sorry, can I can you just

59
00:03:29,560 --> 00:03:32,440
Speaker 1: make this really simple for me and everybody to understand.

60
00:03:32,520 --> 00:03:35,320
Speaker 1: So essentially, what you're telling me is you've been broken

61
00:03:35,360 --> 00:03:37,920
Speaker 1: into twice, your insurance paid you out. I mean they've

62
00:03:38,000 --> 00:03:40,280
Speaker 1: you know, they've helped you out twice, but then have

63
00:03:40,400 --> 00:03:42,960
Speaker 1: said to you that unless you go and get a

64
00:03:43,080 --> 00:03:46,560
Speaker 1: secure like you go and get security upgrades, that you

65
00:03:46,600 --> 00:03:47,960
Speaker 1: can no longer have insurance.

66
00:03:48,840 --> 00:03:55,280
Speaker 2: That's correct, Yes, what yep. So yeah, and so then

67
00:03:55,320 --> 00:03:55,760
Speaker 2: it's going.

68
00:03:55,680 --> 00:03:58,880
Speaker 1: To cost Oh it's a massive kick in the guts yep.

69
00:03:59,000 --> 00:04:03,680
Speaker 2: So on top of that, when we ring Teo, they said,

70
00:04:03,880 --> 00:04:05,760
Speaker 2: basically I was taking to the label on the counter

71
00:04:05,800 --> 00:04:10,720
Speaker 2: there over the phone or whatever that we didn't call

72
00:04:10,800 --> 00:04:13,600
Speaker 2: within a certain time. I see you're Jake. And because

73
00:04:13,640 --> 00:04:16,960
Speaker 2: we check our post office box every Friday, Saturday or Sunday,

74
00:04:17,960 --> 00:04:19,599
Speaker 2: and I hadn't received in that two weeks time. It

75
00:04:19,640 --> 00:04:21,279
Speaker 2: was obviously the week after, so it was like three

76
00:04:21,279 --> 00:04:25,240
Speaker 2: weeks late. We rang them straight up and they honored it,

77
00:04:25,279 --> 00:04:27,520
Speaker 2: but they made us feel like they're doing us as

78
00:04:27,520 --> 00:04:29,919
Speaker 2: flavor as well. So that's so like a kick in

79
00:04:29,920 --> 00:04:32,159
Speaker 2: the gut. So the whole thing, the whole scenario that

80
00:04:32,200 --> 00:04:36,880
Speaker 2: we've been broken into twice and then we've made it

81
00:04:36,920 --> 00:04:41,440
Speaker 2: feel like where the criminals are game because we're not

82
00:04:41,480 --> 00:04:46,520
Speaker 2: getting insurance, you know, we're at faulty.

83
00:04:47,920 --> 00:04:53,040
Speaker 1: How can an everyday family actually afford to just fork out,

84
00:04:53,560 --> 00:04:56,440
Speaker 1: you know, a few thousand dollars to be able to

85
00:04:56,920 --> 00:04:59,520
Speaker 1: get a security system like to me, you know a

86
00:04:59,520 --> 00:05:02,279
Speaker 1: lot of us just don't have that money lying around.

87
00:05:02,760 --> 00:05:04,800
Speaker 2: No, we don't, and that's the problem. We didn't have it,

88
00:05:04,880 --> 00:05:08,720
Speaker 2: and I tell them basically shove it, but they had

89
00:05:08,720 --> 00:05:13,279
Speaker 2: the audacity didn't send me a renewal for our cars

90
00:05:13,480 --> 00:05:17,080
Speaker 2: a couple weeks later after you're joking that don't happen

91
00:05:18,120 --> 00:05:19,680
Speaker 2: on top. But the worst part about it is I

92
00:05:19,720 --> 00:05:21,919
Speaker 2: don't know if where everyone's on, like on a database.

93
00:05:22,839 --> 00:05:26,520
Speaker 2: So what happens is from then, you know, we rung

94
00:05:26,520 --> 00:05:32,120
Speaker 2: around through other insurance companies. No one was at halfway

95
00:05:32,120 --> 00:05:35,520
Speaker 2: through their process, and they just turn out, oh, sorry,

96
00:05:35,560 --> 00:05:38,360
Speaker 2: we don't do your suburb. You have to ring And

97
00:05:38,360 --> 00:05:40,360
Speaker 2: I said, what do you mean, you don't do our suburbs?

98
00:05:40,839 --> 00:05:43,040
Speaker 2: And this was a couple and my partner looked into

99
00:05:43,120 --> 00:05:45,039
Speaker 2: a few other insurance companies and the same thing. They

100
00:05:45,080 --> 00:05:47,720
Speaker 2: wouldn't want to want us because apparently we're classified as

101
00:05:47,760 --> 00:05:51,760
Speaker 2: a high risk suburbs now for where we live at.

102
00:05:52,240 --> 00:05:54,039
Speaker 2: And I thought that this is just a joke. We

103
00:05:54,120 --> 00:05:57,000
Speaker 2: ended up getting onto amy they actually come to the party.

104
00:05:57,120 --> 00:06:00,000
Speaker 2: But because you know, we're obviously playing a little bit

105
00:06:00,080 --> 00:06:03,040
Speaker 2: more now now, we sort of expected back in the

106
00:06:03,120 --> 00:06:05,159
Speaker 2: day after the couple of breakings, our premiums are going

107
00:06:05,240 --> 00:06:08,839
Speaker 2: to go up, you know, which would have been expected,

108
00:06:08,920 --> 00:06:11,239
Speaker 2: but not to be kicked in the guts and basically

109
00:06:11,320 --> 00:06:13,760
Speaker 2: just the turb mate.

110
00:06:13,760 --> 00:06:16,320
Speaker 1: The thing that really shits me about this is that

111
00:06:17,040 --> 00:06:19,960
Speaker 1: you know, being broken into is not your bloody fault,

112
00:06:20,600 --> 00:06:23,480
Speaker 1: you know, like you've got a situation here. Where as

113
00:06:23,520 --> 00:06:25,560
Speaker 1: I understand from the email that you've sent us, you

114
00:06:25,600 --> 00:06:28,440
Speaker 1: know you've lived here fifteen years ago or you've been

115
00:06:28,520 --> 00:06:31,120
Speaker 1: living here for is it fifteen years or even longer?

116
00:06:31,640 --> 00:06:33,240
Speaker 2: No longer since ninety eight?

117
00:06:33,520 --> 00:06:36,839
Speaker 1: Goodness, so you've been living here that long? You know

118
00:06:36,920 --> 00:06:39,000
Speaker 1: in that period have you been broken into before?

119
00:06:40,360 --> 00:06:43,520
Speaker 2: I've been broken into once or not broken into, but

120
00:06:43,560 --> 00:06:46,880
Speaker 2: the property was intruded and I had a pushbloke strong

121
00:06:47,279 --> 00:06:51,559
Speaker 2: once and apart from that, that's the only claim I've made,

122
00:06:51,600 --> 00:06:56,279
Speaker 2: except for maybe two maybe three windows for your car,

123
00:06:56,720 --> 00:07:01,440
Speaker 2: which is part of their policy to your policy. In

124
00:07:01,520 --> 00:07:05,000
Speaker 2: all that time, that's all I've claimed, So it's not

125
00:07:05,400 --> 00:07:06,159
Speaker 2: a massive amount.

126
00:07:06,320 --> 00:07:09,400
Speaker 1: No, do you mind me asking, and feel free to

127
00:07:09,440 --> 00:07:11,080
Speaker 1: say if you don't want to reveal, but do you

128
00:07:11,080 --> 00:07:13,520
Speaker 1: mind me asking what suburb or what area of the

129
00:07:13,600 --> 00:07:15,720
Speaker 1: territory you're living in?

130
00:07:15,720 --> 00:07:21,240
Speaker 2: Palmerston? Yeah, but really a great suburb to be but

131
00:07:21,240 --> 00:07:23,240
Speaker 2: there are a lot of others. At the moment, it.

132
00:07:23,160 --> 00:07:25,880
Speaker 1: Shouldn't matter where you live. It should not matter where

133
00:07:25,880 --> 00:07:28,120
Speaker 1: you live. You know, like you should be entitled to

134
00:07:28,120 --> 00:07:30,720
Speaker 1: get bloody. You know, you should be able to get

135
00:07:30,760 --> 00:07:34,360
Speaker 1: insurance and the fact that that's considered high risk is

136
00:07:34,680 --> 00:07:38,240
Speaker 1: seriously concerning to a lot of people that live in Palmerston,

137
00:07:38,320 --> 00:07:40,880
Speaker 1: you know, like this is quite unbelievable.

138
00:07:42,080 --> 00:07:46,400
Speaker 2: Well that's it. I chase this up with a local

139
00:07:46,400 --> 00:07:51,360
Speaker 2: electric office in even Laws. It got chased up, but

140
00:07:51,720 --> 00:07:53,600
Speaker 2: that was sort of gob smacked about it. It got pushed

141
00:07:53,640 --> 00:07:57,680
Speaker 2: up to Nicole Madison. I had a miscall from Brent

142
00:07:57,840 --> 00:08:01,760
Speaker 2: Potter I think his name was. However I haven't received

143
00:08:01,800 --> 00:08:05,360
Speaker 2: it and try contact him back again, but they received

144
00:08:05,360 --> 00:08:07,480
Speaker 2: any information. Because I'm going to they'll s a bit

145
00:08:07,560 --> 00:08:10,920
Speaker 2: disappointed in Too's actions in this, and I'm going to

146
00:08:10,960 --> 00:08:12,320
Speaker 2: fight and find out what the hell is going on

147
00:08:12,360 --> 00:08:15,280
Speaker 2: as well, because they all sort of shocked. But I

148
00:08:15,360 --> 00:08:17,040
Speaker 2: just wanted to get my story out there. Okay, Look,

149
00:08:17,080 --> 00:08:18,840
Speaker 2: I don't know how many other people have been broken

150
00:08:18,840 --> 00:08:21,760
Speaker 2: into twice or more and they're going to the same scenario.

151
00:08:21,960 --> 00:08:23,800
Speaker 2: My parole was next door labor. She's in her eighty

152
00:08:23,880 --> 00:08:28,400
Speaker 2: and she's been done twice. She horrified exactly couple people

153
00:08:28,400 --> 00:08:30,320
Speaker 2: across the road exactly.

154
00:08:30,200 --> 00:08:32,400
Speaker 1: Garth, Mate, we are going to have to wrap up.

155
00:08:32,480 --> 00:08:34,960
Speaker 1: I really appreciate you speaking to me this morning, because

156
00:08:35,000 --> 00:08:37,000
Speaker 1: I actually think you're right. I reckon there's going to

157
00:08:37,040 --> 00:08:40,160
Speaker 1: be others in exactly the same situation. So if there

158
00:08:40,240 --> 00:08:42,360
Speaker 1: is anybody out there listening this morning who's in this

159
00:08:42,440 --> 00:08:45,679
Speaker 1: situation or a similar one eight nine four one one

160
00:08:45,960 --> 00:08:48,760
Speaker 1: four nine, give us a call and I'll tell you what, Garth.

161
00:08:48,840 --> 00:08:50,880
Speaker 1: You know, sometimes we don't have much luck getting in

162
00:08:50,920 --> 00:08:53,559
Speaker 1: contact with these insurance but we're going to try because

163
00:08:53,880 --> 00:08:57,600
Speaker 1: TiO is the territory's insurance office, so we'll get in

164
00:08:57,640 --> 00:09:01,040
Speaker 1: contact with them and we will see, you know, whether

165
00:09:01,080 --> 00:09:02,800
Speaker 1: we can find out what the goal is. But I'm

166
00:09:02,800 --> 00:09:05,600
Speaker 1: really interested to find out more you know, from them

167
00:09:05,640 --> 00:09:09,000
Speaker 1: as well about what's considered a high risk suburb and

168
00:09:09,080 --> 00:09:12,400
Speaker 1: how many in the Northern Territory are exactly.

169
00:09:12,520 --> 00:09:13,760
Speaker 2: Yeah, it will be interesting.

170
00:09:14,120 --> 00:09:16,959
Speaker 1: Yeah, mate, thank you so much for talking to us

171
00:09:16,960 --> 00:09:20,439
Speaker 1: this morning. I really appreciate it. Thanks, thank you. Thanks Garth.

172
00:09:21,080 --> 00:09:23,360
Speaker 1: You are listening to Mix one oh four point nine's

173
00:09:23,400 --> 00:09:24,160
Speaker 1: three sixty