PNOinsurance

Not good people working in PNO due to last year I got quote. So they not give me Quote this year. So it’s business they should give me Quote but not provide this year so Lazy people.

It was a pleasure dealing with PNO. They are true professionals that offer fantastic customer service. They guided me through all product aspects to make sure that I had the appropriate cover in place for my business. Highly recommend!

Brilliant brokers, I have all my business, personal assets through PNO and deal with various members of the team including Jorge, Pete and Emmanuela, nothing but the highest quality advice and service each time I have needed something. Far away better than any broker I have dealt with in the past!

The former FOS (ombudsman) made false statements and the insurer apologised in writing for false information it provided to the Ombudsman , the determination was rejected accordingly.Similarly VCAT has written an entire ordersubstantially fabricated and falsified knowingly and with regard to a fabricated illegal policy that on investigation should.attract substantial penalty from ASIC.If the 'judge'had actually written the orders at VCAT , to be sure no such falsification would have occurred.Corruption of process has occurred with both institutions.Susanne Cloette did not progress my claim made in Feb 2018 to the insurer Vero/Suncorp. Mr Vautin reported that Susanne had blind copied him into an email discouraging me to progress the claim.The claim was for damages known to the insurer in February the year before. The insurer knew about damages it claimed I was fraudulently claiming. The insurer said, when it attempted to force settle me , that I had claimed damages that were not damages.The insurer knew the damages because its own agents had reported the same damages three days after the event. The insurer and PNO did not DISCLOSE that they knew the damages were applicable and claimable. The damages still have not been repaired or paid for. My house has mould and a hazard statuson it because the Insurer's remediators cut corners and didn't remove the plaster to allow for proper drying of my home after an internal flood. See how the Ashfords have been treated as per the televised issues.

PNO sold an AAI ltd/ Vero/Suncorp insurance policy for three years consecutively that the Insurer would not honour during a case at VCAT tribunal over it.The Insurer claimed that PNO had sold the wrong policy and substituted a fraudulent policy in its place to avoid liability .It is no use expecting PNO tosupport the policy it sold, or the unsuspecting client who in fact remained effectively uninsured for three years.VCAT endorsed a non compliant falsified policy that I the insured had never set eyes upon throughout a period of three years and never read until the said Insurer admitted it into evidence some weeks after the conclusion of a two year hearing based on the policy the Insured received and bought from PNO Insurance.It was of no consequence to PNO, that the client checked on the day of an internal home flood event, as to the applicable policy.It was re endorsed by PNO and re sent on the day of the claimable event.The substitute policy did not contain a privacy policy as was required under the privacy act.The substitute policy did not provide line of sight replacement conformity of damaged areas.The substituted policy contained wording that contracted out its liability (believed to be illegal).The substituted policy did not provide lifelong guarantee of works undergone by contractors engaged by the Insurer.A salvageable home was damaged by the remediator engaged by Vero. Short cuts were taken and elementary recommended remediation procedures were not implemented.The remediator witness for Vero was substituted with a fake witness.Don't count on a Steadfast policy sold by PNO for VERO.RESPONSE TO REPLY BELOWYes, you're right Peter, to highlight the fact that the Insurer substituted the policy your office sold me with a non compliant Insurance policy and misled, as you have done, myself, the former FOS (not AFCA) and VCAT.It isn't reasonable or consistent with your license to sell an Insurance product that the Insurer rejected.In fact, the Insurer expended substantial legal fees defending against the policy your office sold me.A token payment made to pretend to go through the motions doesn't cut it.The damages of which you also were well aware were substantial and far exceeding the token payment made.By deflecting to me on the crime of which you are accused,by the Insurer and VCAT does not absolve your office of fault.I hope your clients check the validity of their insurance policies and that better regard is shown to them should a claimable calamity occur.I remind you and the readers, it was not cash which was sought, it was repair.Of course the insurer would not repair because their builders could or would not do the repairs because the  Insurer authorisation limit which was less than $13,000.Whilst I seek compensation, I have persisted primarily in the hope that honesty may prevail.The greater the cover up the greater the crime.The claim has 'never' been settled and the last payment made was September of 2018. NOT April 2018, as you also well know.(no doubt you stick to that story because it accords with the probability that the Royal Commission was erroneously told that the Insurer had successfully dealt with the claim)The September 2018 payment was to sand back the blackened holes and apparent mould in the timber flooring in the bathroom. That was only 15% of the floorboard  area damaged. Of course the saturated carpets were not removed and a full assessment of the damage was not made.The remediator's initial assessment by their assessment manager which you and the insurer failed to disclose at the time was that the subfloor was damaged.My claim is for the damages initially assessed and not disclosed.Non disclosure by an insured is deemed fraudulent.

Have been with PNO for 4 years now. Had a very unsophisticated approach to my personal insurances. Thought going online only was the answer. It wasn’t. PNO were outstanding in delivering a far superior outcome, for less annual fees and just outstanding service. Could not be more pleased with the service and ongoing support.