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Blockbuster inquiry into gaming giant Crown Casino to start today

The Victorian Royal Commission into the suitability of gaming giant Crown to hold a Melbourne casino licence will hear evidence from Monday, revealing its first four witnesses.

The commission will question Timothy Bryant and Jason Cremona from the Victorian Commission for Gambling and Liquor Regulation.

Questions will focus on the gambling regulator’s monitoring of Crown, its investigation into the 2016 arrests of 19 staff across four Chinese cities, and junket operations.

All those arrested in 2016 were later charged with gambling promotion offences, and remain the subject of an ongoing class action against Crown.

The commission will question Timothy Bryant and Jason Cremona from the Victorian Commission for Gambling and Liquor Regulation (pictured, Crown complex in Melbourne)

The commission will question Timothy Bryant and Jason Cremona from the Victorian Commission for Gambling and Liquor Regulation (pictured, Crown complex in Melbourne)

In 2019 media reports, it was alleged that Crown junket operators brought in high-rolling gamblers from China with links to organised crime.

The revelations led to the establishment of the Bergin inquiry in NSW, which in February found Crown unfit to run a casino at its newly built Barangaroo complex in Sydney.

The other two witnesses to be questioned in week one of the Victorian commission are Dr Murray Lawson, director of Ethics and Risk Culture at top accounting firm Deloitte Australia, and Nick Stokes, head of financial crime and money laundering reporting officer at Crown Resorts Limited.

Written submissions to the Victorian royal commission closed on April 26.

Inquiry CEO Elizabeth Langdon on Saturday released 30 submissions received from the public online.

She said 46 had been lodged in total but not all were suitable for publication.

To provide greater opportunity for people to engage with the commission, she said relevant documents had been translated into eight languages.

Mr Finkelstein has been given until August 1 to report back to the government with recommendations.

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10 best car insurance companies for 2021

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If you’re intimidated by the process of shopping for car insurance, which is not only an essential part of the driving experience but actually required by law in 48 states, this guide to the best car insurance companies should help you figure out where to go for a policy that fits your vehicle and situation.

The most general car insurance policies offer protection against property damage or bodily injury liability coverage if an accident occurs. From there, you can consider other coverage types for specialized insurance. These can cover damage to your own vehicle for a variety of reasons (collision coverage), roadside assistance, car accident incidents with uninsured or underinsured drivers, plus personal injury protection and medical expenses incurred due to accidents. Some car insurance companies even have comprehensive options that can include roadside assistance or that can be bundled with homeowner’s insurance (if you own a home).

Depending on the insurance you get, you could have a coverage limit or full comprehensive coverage, though most states require all drivers to at least have liability insurance. You might decide to forgo collision insurance depending on the age and condition of your car.

The costs covered in an auto insurance quote can accumulate for an uninsured or underinsured motorist. Having comprehensive coverage can help keep out-of-pocket costs associated with car insurance premiums in check. Note that the monthly premium on your car insurance policy typically won’t cover wear and tear on a vehicle, damage incurred by driving under the influence or by drivers not listed on the car insurance policy, and damage to the engine as a result of oil leakage.

There are an estimated 300 car insurance providers in the US, ranging from those operating at a nationwide level to smaller companies. So sorting through motor vehicle insurance options to determine the best car insurance companies and offers can be intimidating. Before committing to a car insurance rate with a nationwide insurance company, it’s worth checking to see if you have any well-reviewed statewide insurance options in your area.

„Once you have a clear picture of how you use your car and your priorities, you’re ready to shop for insurance,“ says Janet Ruiz, director of strategic communication at the Insurance Information Institute. „Generally, it’s a good idea to compare policies from at least three different insurers. You’ll want to consider fundamental factors such as coverage and price.“

It’s also worth delving into an insurance provider’s history. „Be sure to check out the claims handling of the company before buying insurance,“ says Dan Karr, CEO and founder of ValChoice. „Insurance that won’t pay a claim was a waste of money, no matter what the price.“

There is also a lot that goes into a car insurance policy. A car insurance quote for „standard coverage“ may include factors such as bodily injury liability, property damage, accident forgiveness and roadside assistance. Having a teen driver on your insurance policy can also impact your insurance premium. Then there’s gap insurance or personal injury liability insurance coverage and more. „Check prospective policies too for secondary options that could prove beneficial,“ says Ruiz, „such as glass coverage, which often comes without a deductible, or reimbursement for a rental car.“ How can you compare all these things as you’re trying to choose which auto insurance coverage is best for you?

„Try to compare apples to apples when choosing your insurance policy,“ says Ruiz. „All of the policies that you review should have the same types and amounts of coverage. It is difficult to compare policies, for instance, if one provides $50,000 in property damage liability coverage, another only $30,000, and a third $100,000.“ Understanding what goes into the cost of the insurance premium for insurance coverage will help you make the best decision for your particular situation, but where do you start? 

You could do a deep dive into each auto insurance company’s website to better understand their coverage level and how it arrives at the coverage cost. We’re making it easier to find the best car insurance coverage for you by narrowing down the list. We’ve picked the 10 best insurance companies in the country, based primarily on audience satisfaction, as measured by the J.D. Power 2019 US Auto Insurance Study. The car insurance review study measures five criteria: interaction, policy offerings, price, billing process and claims. 42,759 customers were polled from February through April 2019.

The top-scoring auto insurance policy overall was Geico, reporting high customer satisfaction levels in all regions of the country and making it the No. 1 auto insurer in the US. This insurance carrier is also routinely ranked among the cheapest car insurance coverage providers (and a big premium is a big expense), which undoubtedly contributes to the satisfaction.

That said, your auto insurance rates will ultimately be determined by personal factors, such as where you live, your credit score (for the best rates, a credit score of 770 or above is recommended) and the type of vehicle you drive, as well as its age and whether you have an accident on your driving record. The good news is that you can actually lower your insurance coverage costs if you maintain a safe driving record or work on your credit score — or your grade point average. An inexperienced young driver costs more to insure but maintaining good grades can help with getting car insurance discounts. 

Further, depending on your insurance provider, you can bundle your car insurance policy with life insurance, homeowners insurance or renters insurance, among others. As mentioned above, there are so many factors that go into so-called „standard coverage“ and auto insurance rates, it’s all dependent on the kind of insurance product you’re looking for, from cheap car insurance options to a more comprehensive plan.

„For young drivers, there are discounts for taking drivers‘ certification courses and maintaining above a B average,“ says Karr. „Several discounts are based on the vehicle, including safety features like remote engine shutoff, anti-lock brakes, and airbags. There are also discounts for storing the vehicle in a garage. Many insurers provide discounts for insuring multiple cars through the same company and for owning a home and insuring the home through the same company.“

When you do find a solution, Ruiz explains how you can do your due diligence: „First, double-check that an insurer is licensed in your state by visiting the website of your state’s insurance division, where you can also review information about consumer complaints filed against insurance companies. In addition, you can check review websites and talk to friends about their experiences with insurers. Finally, take a few minutes to make sure prospective insurers are in good financial standing. Financial ratings agencies will provide this information. Online tools will often provide ratings information as well.“

5 things to know before you sign up for car insurance

1. What kind of coverage does your state legally require you to have? In most states, bodily injury liability coverage and property damage liability are necessary to drive, but you’ll want to check the specifics of insurance premiums with auto insurance providers where you live. If you consider your car to be a classic car, you will want to check with the insurance company to make sure the company classifies your car type as a classic car as well.

2. What sort of coverage do you want? Most car insurance companies offer many different policies with various coverage options that cover a variety of damages and risks, so your first step should be to determine your risks and how to compensate for them. You might consider if the insurance company rewards you with a discount for being a good driver.

3. Which auto insurers are best? We’ve got this covered in detail.

4. It’s important to shop around. Even the cheapest car insurance company may not offer the best auto insurance rates for someone in your situation. Likewise, instead of minimum coverage, you may want a more comprehensive plan that makes more sense at another car insurance company.

5. What payment plan is best for you? Some companies offer a variety of ways to pay (such as annually versus monthly, or with transfer of electronic funds), so you can figure out which one works best for you and then request it.

Before getting into the list of the best car insurance options, it’s worth mentioning that not every car insurance company has your best interests at heart, both when offering auto insurance quotes or after you’ve been in an accident. A Buzzfeed News report from August revealed that State Farm, Farmers and Erie Insurance are three of a number of insurance companies that have paid off law enforcement to investigate their customers for fraud. All of those companies have been excluded from this ranking.

Company Average Regional J.D. Power Rating (out of 1,000)

Geico

830

Allstate

826

Progressive

818

Auto-Owners Insurance

841*

Esurance

836*

Liberty Mutual Insurance

810

Nationwide

808

Travelers Insurance

818*

Safeco

810*

USAA

891*

* Not available in every region of the US, or to every person in the US. This affects overall placement.

GEICO

Geico’s clever commercials ensure that it remains one of the best-known car insurance options in the country, but its customers know the company for the great service and support it offers, along with some of the cheapest insurance prices. Geico’s 97% customer satisfaction rate speaks for itself, as does its long list of honors, including the most desired insurer according to Kanbay Research Institute. You know, just in case the gecko isn’t enough to convince you that you want its insurance coverage.

Allstate

Allstate was one of the rare car insurance companies ranked on every single one of J.D. Power’s regional customer satisfaction lists — and was No. 1 in Florida. Allstate prides itself on claims satisfaction and on its scope of coverage options. It offers a host of car insurance discounts that, depending on your circumstances, could easily make it the most cost-effective auto insurance policy coverage option available for many motorists.

Progressive

A giant in the insurance world with over 18 million customers, Progressive manages to attract and retain so many satisfied customers with continued commitment to saving its customers money on their car insurance rates. Progressive was the first auto insurer to offer safe driver discounts, which makes the company a great option for people with a good driving record who are looking for the cheapest car insurance options. Even today, customers who switch to Progressive save an average of $699 on their car insurance premium per year.

Auto-Owners Insurance

Auto-Owners Insurance may not have the flashy marketing presence of the competition, but how many of them can say they’ve been around almost as long as cars have? Established in 1916, the company has nearly 3 million car insurance policy holders across 26 states. Its high rankings from J.D. Power might prompt you to check if it has coverage where you live.

Ranked the No. 1 auto insurer in California, Esurance in quickly making inroads around the country (the company operates in 43 states). A division of Allstate, Esurance promises customers that switching or signing up for car insurance can be as easy as possible, or „painless,“ as the company puts it.

Users agree with the assessment, as reviews on the website call attention to how fast and easy it is to sign up with this car insurance provider, either online or with the Esurance app. And calling all introverts, you likely won’t have to talk with an insurance agent directly to get set up.

Liberty Mutual Insurance

Operating globally, Liberty Mutual is the fifth-largest property and casualty insurer in the world. Still, the company makes it very clear that its business starts with you and the first step in that journey is getting an insurance coverage quote.

Most insurers offer free car insurance quotes on their websites, but Liberty Mutual offers you discounts for using its own — you can save up to 12% off your rate by getting a car insurance policy quote online.

Nationwide Insurance

With over 90 years covering drivers, Nationwide has learned a thing or two about what keeps customers happy (and in turn, what keeps them customers). The company’s list of visions and values shows exactly where its priorities lie.

Top ratings from a variety of outlets (such as A.M. Best, S&P and Moody’s) would suggest that it’s working. Those values extend to employees, as well — Nationwide was ranked No. 53 in Fortune’s most recent list of the „100 Best Companies to Work For.“

Travelers Insurance

Among the many plans Travelers offers is a car insurance coverage policy that you can customize based on your needs. Rather than upsell users, Travelers offers a host of resources (in the form of blog posts) designed to educate motorists prior to policy purchase. An informed customer is a happy customer.

Safeco Insurance

A division of Liberty Mutual, Seattle-based Safeco has been in the car insurance business for over 85 years and has been a national presence for more than two decades. Safeco partners with local agents who can devote the time and attention that customers need in order to get all of their individual car insurance questions answered and coverage type requests met.

Metlife

If we were judging solely on satisfaction, the United Services Automobile Association would take the top spot in our best car insurance companies rankings. What affects the USAA’s ranking is that its scope is narrower than those of most other auto insurers, as the company only offers coverage to service members, veterans and their families. That said, USAA offers prices that even beat Geico’s, with customers who switch saving an average of $707 a year.

More help buying a new car

Originally published earlier and updated periodically.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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Crown Casino fined $1million for not stopping organised crime junkets

Crown Resorts has been hit with a $1 million fine by Victoria’s gambling regulator for failing to vet its junket operators.

The Victorian Commission for Gambling and Liquor Regulation on Tuesday confirmed it had fined Crown Melbourne the maximum penalty available for failing to comply with its regulatory obligations.

‚That fine reflects the seriousness of this matter and the fact that Crown’s failure to implement a robust process occurred over an extended period,‘ VCGLR Chairman Ross Kennedy said in a statement.

‚Robust processes must be implemented to ensure that Crown’s Melbourne casino remains free from criminal influence and exploitation.‘

Crown Resorts has been hit with a $1 million fine by Victoria's gambling regulator for failing to vet its junket operators

Crown Resorts has been hit with a $1 million fine by Victoria’s gambling regulator for failing to vet its junket operators

The regulator had been investigating the Southbank casino after 2019 media reports, which alleged junket operators who brought in high-rolling gamblers from China had links to organised crime.

The reports led to the establishment of the Bergin Inquiry in NSW, which in February found Crown unfit to run a casino at its newly built Barangaroo complex in Sydney.

Royal commissions are also underway into Crown’s casino licences in Melbourne and Perth, while the federal financial crimes watchdog is undertaking an inquiry into casino junket tours.

The VCGLR found Crown failed to gather the necessary information to make an ‚informed decision‘ about the people involved in the junkets.

It also found the company failed to maintain appropriate records relating to junkets.

‚This failure meant it was unclear how certain decisions were reached by Crown and whether such decisions were made with due regard to Crown’s regulatory obligations,‘ the regulator said.

The VCGLR has prohibited the company from working with junkets until ‚processes and procedures have been improved to the satisfaction of the commission‘.

Crown’s Executive Chair Helen Coonan said the company has already ceased dealing with junket operators as part of its ‚reform agenda‘.

‚These reforms and changes to our business are aimed at delivering the highest standards of governance and compliance as we restore public and regulatory confidence in our operations,‘ she said in a statement to the ASX.

Crown's new Sydney resort and casino was denied a gambling licence by NSW regulators

Crown’s new Sydney resort and casino was denied a gambling licence by NSW regulators

Victorian Greens Leader Samantha Ratnam said the fine was ‚too little, too late‘.

‚It shouldn’t take years of damning allegations and the announcement of a royal commission to finally spur our regulator to act,‘ she said in a statement.

‚While the fine itself will likely be nothing more than loose change to Crown, we hope this provides the government with yet another sign that it’s time to break up with the gambling giant for good.‘

Ms Ratnam wants the government to suspend Crown’s licence while the royal commission is underway.

The VCGLR did not release detailed reasons for its findings as Crown argued the information was ‚valuable‘ and could be used by criminals to launder money at its casino.

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