Owen Rascovich

And then I will call them and say, this is what the deal is.

I'm going to move unless you give me X. And they'll generally do it.

One huge thing here is I'm going to say, never get car insurance, never get any type of insurance for a car dealer.

That should be like a no-brainer, but people think it's either they're in the moment, pressure, whatever.

Car insurance or any type of insurance through a car dealer, there's been a few ASIC reports that have come out.

I can't cite them verbatim off the top of my head, but you can Google them if you want and you can find out the types of crap that these guys and girls are peddling to people that think that they have to have that insurance.

You don't have to.

Go somewhere else, get it from a proper, reputable insurer.

For what it's worth, you can also Google car insurance complaint statistics and you'll get an official thing that shows the worst insurers for complaints.

Where there's smoke, I found there's fire.

Okay.

Next one.

Okay.

I'm going to take a breath soon.

Okay.

Home and contents insurances, the differences.

Should I have it?

Well, the difference between home and contents is home insurance protects the house, the structure, if you like, and the contents is pretty much if you turn the house upside down, what falls out.

That's a very loose definition of what the two are.

If you live in an apartment, you should check to see if you need home insurance or there's a chance that there might be body corp insurance that covers the house or the premises, but you still need contents if you want that.