$700k worth of savings tips from the government

Hi members, please make sure to click on the red button that says "Apply for price beat guarantee" if your first quote is not AT LEAST $100 cheaper than your current premium. And thanks for all your feedback on the special offer. We'll do our best to answer your questions as they arise, or you click the online chat button at the bottom right corner of this page or call Coles Insurance on 1300 661 436. 

Following my previous post as Anonymous (thought name would come up automatically) another issue I think should be looked at is Green Slips. If the over 50's have far less accidents therefore costing the insurers far less for us, why can't they reduce the cost to us. I very much appreciate the Govt forgoing registration fees but with the cost of repairs and petrol use of older cars ( can't buy new ones anymore) this yearly charge sometimes leaves me despairing of remaining a car owner (which is necessary where I live or I'll have to leave my home of 30 years). Surely this charge could be made as monthly payments to stop the need to find the lump sum which requires either borrowing or scrimping on food for a couple of months. Judi from NSW 

Coles car insurance without the "club" discount is about $80 dearer for me than my current NRMA policy. Coles have given me two "club" quotes. The first was $20 dearer than NRMA. The second (once I told them my current premium) was $101 cheaper than NRMA. My reservation switching is that the cheap option is only available for one year. I wonder if the premium would then revert to the $80 dearer option in the second and subsequent years. I also need to take account of my current multi policy discounts on building, contents, green slip, caravan, as well as car. Any thoughts? 

I put all my details into the coles website and it came up about $300 dearer than what I am paying now,also as it has been mentioned before it is only for one year what happens then, I think I will stay with the devil I know,looks a bit dodgy to me. 

I agree with Ian its wrong! What makes NSW so special is it a numbers game 

I thought the FiftyUp Club was a National club and deals with any company especially National companies like Coles was for all members or none at all, as it happens i live in Vic and am already with Coles insurance but i think it is wrong that they only offer special deals to one state, it should be all in or all out, if special deals are going to be for 1 state only then i will be cancelling my membership. 

Have just read conditions of offer and after initially considering it would not now do so as reduction is only for one year. Think idea of Club is good but would like to see it advocating for over 50s and especially those on basic pension. Examples would be - the largest car insurer in NSW charges a yearly fee to pay by the month, surely now that everything is automated they could cover the small cost to them to forgo this for pensioners. A smaller thing to most but not pensioners is the supermarket offers of 2 for $, which are a cost saving to families but 2 of are not needed or storage not available for the extra so end up paying the full price for 1. Maybe they could set up a system where their store cards could automatically charge for 1 at 1/2 the offer for proven seniors or pensioners or even just show your card. Even if they did so for everyone I think they would find the sales went up as at the moment me and my friends avoid these offers and complain lots about how the 2 for $ offers disadvantage us. For those who don't already know Harris Farm divide the offer and sell 1 for the same value whether the offer is for 2 or 10 items. 

I hope that we will get appropriate rewards for being safer on the roads ( statistically) and not treated like the best bet of the day for hungry insurance giants. 

Ok now I am obviously over 50 and I have worked since 15 and I would imagine I am somewhat representative of my age group. I have been paying into superannuation since I started earning and then the government added some to my contribution so for many years I have been told I will get nothing as I am potentially a self funded retiree. Assuming a lot of others are the same as myself and worked all their lives and compulsory super started over 20 years ago....this is the tricky part as some folk have worked hard all their lives as self employed and have nothing to show for it due to raising children etc and they do deserve support, but yet again some have squandered their funds and put nothing aside by choice and they now want to be taken care of because they may or may not have paid their taxes. Seriously, each individual has a different story and our country cannot afford to take care of those who have not taken care of themselves this is simple maths.....I will end by saying that I have done without by putting every penny aside for the future so that i won't be eating dog food when I am too old to work because the country cannot afford to give me a pension. 

I switched to Coles car insurance because the value of the discount on my combined home/car insurance was much less than the savings I made by switching to Coles. Do the math before you decide.