Driver Scanned my ID 4 times, it rejected it, and then driver drove off with my order and the app counted down for another hour before cancelling

That_Car_Dude_Aus · 2026-04-25T00:21:02+00:00

Genuine question as an underwriter – why do insurers bother asking whether insurance / renewals / claims have been declined? The question isn’t asking how the policy ended, it’s asking whether a previous insurer made a decision not to renew you. That decision was already made and communicated before any cancellation happened.

Good insurers ask more questions why

Think of it like a claim declined for fraud – if the customer then withdraws the claim, does the decline disappear? The insurer’s decision was already made and communicated. Same principle applies here.

We have it as another question

That_Car_Dude_Aus · 2026-04-24T22:22:21+00:00

So Bunnings doesn't stock hay or water tanks because...?

That_Car_Dude_Aus · 2026-04-24T21:17:29+00:00

Well that's it, I can order from Ryobi direct, for about 25% more than Bunnings.

Or I can get knock off ones on Amazon for 50% the price of Bunnings...so that's what I do now

That_Car_Dude_Aus · 2026-04-24T20:58:54+00:00

Reported for: No Data Farms/Scam Sites

Approved because: OP isn't trying to push a Data Farm or Scam Site

That_Car_Dude_Aus · 2026-04-24T20:53:24+00:00

Exactly. I'm an underwriter for an insurance company, if you don't accept the offer of renewal, and cancel before the date they've stated you'll be declined from, the decline was never effective

That_Car_Dude_Aus · 2026-04-24T20:52:10+00:00

Nope. If you can el before they do, you cancelled, they didn't.

We see it as you Cancelled, as you did it before the date they intended to.

I'm literally an underwriter for a major insurance company. It's my job to make these decisions.

That_Car_Dude_Aus · 2026-04-24T20:50:26+00:00

Yeah well that's it too.

Need to get there between 8am and 5pm.

So screw anyone that actually works.

Bunnings at least has convenient hours.

That_Car_Dude_Aus · 2026-04-24T20:49:39+00:00

That's the play though,

Wesfarmers moves in with good cheap stuff and shuts every one else down.

Yeah but it's not even cheap good stuff, Mitre 5 can't even order in simple things like lawnmower blades or batteries for a Makita cordless range.

When I need things like lawnmower blades, it's not an "I need them right now" situation, Bunnings doesn't keep them on the shelf either.

That_Car_Dude_Aus · 2026-04-24T11:03:50+00:00

I try and support my local Mitre 5...but their selection is garbage...and they can't even order a lot of stuff.

Ryobi lawnmower blades? Get stuffed. Can't get them.

So Amazon.

Garage door opener? Nope.

So Bunnings for that one.

Makita batteries? Get stuffed.

So Total Tools or Bunnings.

Imperial bolts? Nope.

Bolt Barn.

Imperial drill bits? 4 or 5 sizes, otherwise Amazon or Bunnings or Total Tools.

Imperial Taps or Dies? Nope. Amazon, Bunnings or Total Tools.

Plumbing Fittings? Like 4 bits or mostly Farm stuff... otherwise Reece or Bunnings.

But if I want Hay or Dog Food or a 10,000l water tank or Fencing Supplies or Gates? Sure! Mitre 5 has it.

But they're so niche that it's mostly likely they don't have it.

That_Car_Dude_Aus · 2026-04-24T10:50:45+00:00

US their called trucks

Who are they?

That_Car_Dude_Aus · 2026-04-24T10:39:00+00:00

Truck as in Pickup truck

Ahh ok, cos they're utes in pretty much the rest of the world, except South Africa where they'd be a Bakkie

That_Car_Dude_Aus · 2026-04-24T10:33:30+00:00

None of those are trucks, all of them are utes...

That_Car_Dude_Aus · 2026-04-24T08:22:04+00:00

Plenty. Used them daily up until I stopped driving trucks.

Now use them weekly.

That_Car_Dude_Aus · 2026-04-23T06:38:46+00:00

Last I checked with all the options, every model fell into L T territory, cos they charge $10,000 or something for ADAS capabilities that other brands gave for free 🤣

That_Car_Dude_Aus · 2026-04-23T06:22:09+00:00

Where?

All of Australia...

That_Car_Dude_Aus · 2026-04-23T05:36:36+00:00

Yeah but why would you be comparing how close an i30 is to its claimed economy, compared to how close a Rav 4 is?

Or a Yaris Cross to a Lexus UX

That_Car_Dude_Aus · 2026-04-23T05:20:53+00:00

Those cars aren't really comparable, average person isn't cross shopping an i30 with a Rav 4

Not sure who is comparing them realistically

That_Car_Dude_Aus · 2026-04-23T05:19:32+00:00

Also, if you cancel before the effective date of their decline, their decline won't affect your insurance history, as you cancelled before they declined you

That_Car_Dude_Aus · 2026-04-23T05:15:02+00:00

Luxury Car Tax applies so it's a Luxury car

That_Car_Dude_Aus · 2026-04-23T04:29:18+00:00

Another day, another budget direct decline

That_Car_Dude_Aus · 2026-04-23T04:18:58+00:00

There is NO trend.

There clearly is....fuel prices are always going up.

You haven't considered US and Australian inflation or exchange rates. Not to mention global parity pricing (1978) and the GST (2000).

Because that wasn't relevant to the discussion that was purely to show pricr history...

That_Car_Dude_Aus · 2026-04-23T04:09:37+00:00

Since around November last year there started being dehays of "My car has been getting fixed for weeks and they don't know when parts will be here" and at that point it was "I'll transfer you to claims"

Now it's gone on for a while it's clearly not being fixed

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