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PNOinsurance
1911 Malvern Road, Malvern East, Victoria, Australia
About PNOinsurance
PNOinsurance, located at 1911 Malvern Road in Malvern East, Australia, is an establishment that specializes in insurance solutions for businesses. With a history dating back to 1977, PNOinsurance has established itself as a trusted and reliable insurance broker for business owners and entrepreneurs across the country.
As a privately owned insurance agency, PNOinsurance is dedicated to providing comprehensive business protection and acting as a critical partner and advocate for its clients. The team at PNOinsurance offers independent expertise, excellent service, and commercially-minded solutions tailored to meet the unique needs of each business.
One of the key areas of expertise at PNOinsurance is dealing with the challenges businesses face when their equipment is with a service provider. This is particularly relevant in the construction industry, where equipment maintenance often takes place during the end-of-year holidays. PNOinsurance can provide valuable insights and guidance on navigating this situation to ensure businesses are adequately protected.
The PNOinsurance team regularly shares market insights and updates to keep their clients informed about the insurance landscape. Articles written by industry experts such as Paul Mulligan and Mathew Lethborg provide valuable information on topics like the Australian professional indemnity insurance market in 2022. By staying up-to-date with the latest developments, PNOinsurance ensures that their clients have access to the most relevant and accurate information.
For those looking to visit PNOinsurance, the office is conveniently located on Level 2 of 1911 Malvern Road in Malvern East, Victoria. The postcode is 3145. Whether you are a business owner in need of insurance solutions or simply interested in learning more about the services offered by PNOinsurance, their knowledgeable team is ready to assist you.
Photos of PNOinsurance
1911 Malvern Rd, Malvern East VIC 3145, Australia
Opening hours of PNOinsurance
Monday:
08:30 - 17:00
Tuesday:
08:30 - 17:00
Wednesday:
08:30 - 17:00
Thursday:
08:30 - 17:00
Friday:
08:30 - 17:00
Saturday:
Day off
Sunday:
Day off
Reviews of PNOinsurance
"I have dealt with Migel francis and his staff for over 10 years and found there customer service to be first class . They act on all enquires promptly and efficiently."
"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 to support 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 BELOW Yes, 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."
"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!"
"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 order substantially 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 status on 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."
"Did not receive the annual policy,had a flood event and was told the insurer,Vero, does not have anyone to service my area? After a phone drama, the broker managed to achieve a result from the insurer and mitigators were sent. The broker recommended the insurer. The flood event occurred in January 2017 and the broker has not assisted in processing my claim whereby the full damage was assessed and processed. Still waiting for full repair or funds for it according to the policy provided . The broker appears to consider it reasonable to receive funds for partial repair 14 months after the event as acceptable. The broker discouraged me from making a full claim. The broker emailed me in February 2017 to say a builder had been appointed to repair my home and would be back in my home soon . This would have been a very desirable result. Instead the broker supported the appointment of a second assessor and delays and minimising of the damage then occurred. The broker endorsed a minimal payout instead of repairing my home. No choice was given in this option as the insurer stated the funds had already been sent to my bank account. The broker said the insurer did not make it's decision lightly. Yet, one year later, the insurer found items which had not been considered in the original decision to payout. The insurer is still deliberating on the full damage and says it will take some time to be assessed. The insurer was aware of my distress on many occasions. The complaints department has been supportive recently, however it is not resulting in a speedy resolution."
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