Insurance....merged Topic....

[old rev head]

FG XR6T 08 model agreed value of $40k only Just car would insure me since im 21. Comprehensive insurance = $2232 but excess of $3000 $1700 max excess + $800 vehicle excess + $500 age excess... NRMA wanted $9000 for full comp and AAMI wanted $8000 LOL. This is for sydney south suburbs. With just car when I asked about mods eg how much would a set of rims of $2000 would affect the premium. They keep brushing me away and said when you get it done call up because the price changes from day to day. WTF? So I cant even prepare how much an increase would be because once I get it done then they can charge crazy $$$ and I cant say I wont pay it because that will void the insurance. Sly... Can anyone from experience with justcar tell me how much say 1) rims $2000 2)injectors + tune $2000 - $2500 3)exhaust $2500 will affect the premium? Note: each scenario separately as I wont be getting them the same time. Cheers

As far as the tune and exhaust go, you should not tell them aif you have an accident they will state you have changed the cars specification from the factory settings and will probably go down the line of unroadworthyness.

[xpl0sive]

Don't get sucked in by silly statements from insurance companys, if your paper work states that your turbo has leather seats colour screen etc then they are obliged to replace or pay out on a write off, all that talk of receipts is nothing but bluff. my suggestion is try a better insurer, there are heaps of insurers out there just let them know you are shopping around it's amazing what some will do to get your business

Thanks mate. Unfortunately it's not a brand new car, so no paper work. The receipt I received from the previous owner does not state any of the extras. I ended up calling them myself and they agreed to insure for 25k. Wasn't entirely happy, but it was the best they would do. They only wanted receipts when my dad told them leather was 10k from Ford, and sat nav was $2100. I guess they didn't believe him lol. Not sure what other insurer to go with...not many companies seem to wanna insure if you mod it (although I don't plan to do much). I'm also under 25, so went with AAMI under my dad's name as it worked out cheaper (plus my parents have both their cars under AAMI, and my previous car which I still own is also with AAMI so I figured if I put this one with them as well they'd give me a better deal). I initially asked Just Car but they are just a plain rip-off and not sure why I even bothered. They insure based on the youngest person driving the car (that would be me), and given that I am under 25 they wanted to royally screw me in the a$$ with premium and excess (also, living in a suburb which has a high rate of theft doesn't help!).

[Anchor]

I'm 21 with shannons. Got a foot in the door when I was 16 with a 65 impala.. Been with them ever since. On the turbo ute I pay $880/year with a $500 excess and $300 age excess. Exactly the same for the El Camino. XR is insured for 23,000 agreed value with the mods and the elk is $17,500 agreed value. Going through a claim with them atm, some wench decided to take out the front end of my chev. So far so good...

[Guest Al@n]

Hi all, step daughters boyfriend has just written his car off in the rain. Police report stated that one of his tyres was not roadworthy. Will this void his insurance? Any advice would be appreciated, cheers

[MYBAXRT]

Do it online with AAMI, you can select your cars extras. They are as follows

ALARM

BABY SEAT

BLUETOOTH

BONNET PROTECTOR

BULL BAR

ELECTRIC MIRRORS

FLOOR MATS

HEADLIGHT PROTECTORS

IPOD PLAYER CAR KIT (EXCLUDES IPOD)

LEATHER PACK

LEATHER TRIM

METALLIC/PEARL PAINT (MANUFACTURER)

MUD FLAPS

NUDGE BAR

PAINT (MANUFACTURER SPECIALISED)

PAINT PROTECTION

PARKING SENSORS REAR AND FORWARD

PERSONALISED NUMBER PLATES

REVERSING CAMERA

REVERSING SENSORS

ROOF RACKS

RUST PROOFING

SATELLITE NAVIGATION SYSTEM

SIDE STEPS

SNORKEL(4WD)

SUNROOF

TINTED WINDOWS

TOW BAR

TRAY

WINDSHIELDS

OTHER

I found them real good. RAC WA wants $141 a month with a $350 excess and a $300 age excess (I am 25), AAMI is $93 a month with a $400 excess.

Also just because your car has leather seating doesnt mean it is worth $10000 more, or should be insured for $10000 more. Either have it insured for market value or for what you paid for it.

thanks for the info mate I just got a quote from AAMI and I will be saving over $400.00. I was with NRMA before...

[qikin71]

Hi all, step daughters boyfriend has just written his car off in the rain. Police report stated that one of his tyres was not roadworthy. Will this void his insurance? Any advice would be appreciated, cheers

Probably.

I know racv states that vehicle must be off a roadworthy manner and free from defects.

Hope it works out well for him.

[ronski123]

im with aami think im paying about 600 a year commonwealth bank quoted me 3k a year hahaha

[R-SPEC]

What the I <3 Bananas is with Shannons? I have a carport and they said that they can't even give me a quote because I don't have a garage. Isn't that discrimination? What a bunch of potsie dick suckers.

Just Car Insurance here I come (again)

[tab]

Discrimination? Because the car is black (almost)?

[R-SPEC]

You are a goose!

Because I don't park my car in a garage!

Edited 25/03/10 03:05 AM by R-SPEC