They use trade in value to provide car valuations. I was clearly able to show research, comparison valuations from drive, red book and car sales that my car was worth more money and was still denied to increase my agreed value.
We have had our home and contents plus vehicle and caravan insurances with RACQ for many years. We have only had one claim on a no fault vehicle insurance, it was handled very professionally and quickly. If you call them on any issue you are given expert advice, you only have to call once and do not hang on the phone for ages.
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