Insurance....merged Topic....

[BrassEm]

I've just bought a 11/04 MKII XR6T. Never been with AAMI before. Only mods is tint and wheels, I'm 44 Premiun $638.00 for 1 year!

<{POST_SNAPBACK}>

Hey thanks for the heads up. I'm with AAMI, 42, and my premium is $928 ??? Gonna give em a call tomorrow!

(Been with AAMI since 18 and haven't had any problems with any claims including write-offs).

cheers.

[harvyk]

As soon as I turn 25 I'll be going with AAMI, (Perfect driving history but they said they will not insure u25's in T's period) NRMA r an absolute joke, to insure my wifes car for $9500 they wanted over $1800 a year - WTF they wanted 1/4 of the cars value per year??? AAMI on the other hand where nearly $700 a year cheaper at $1200... Also when I have needed to make a claim (a not at fault claim) it took 7 weeks of stuffing around by NRMA to finally settle the claim at a little under $600, that means they stuffed around for 7 weeks to finally settle at an amount that it's even 6 months worth of premiums...

Basically NRMA = (But I'm stuck with them for another 1.5 years )

Just my 2c based on my experience

[Trough Lolly]

traded in the NA on a T last week, and came time to do the dreaded deed of pricing insurance full comp for a under 25 driver..

phoned about 10 companies and only 2 would even touch me!!

previously on my old NA it was insured thru RACV for $1500 a year full comp. I was fearing that now owning a T my insurance would definately go over 2G!

the only companies who would even care to try to insure me were RACV and JUST CARS (under-written by "aami").

just cars came to $1650 ful comp which I was damn impressed about! I thought to myself PHEW!!! that's a relief I was expecting atleast 2G..

then I rang RACV last of all, and to my huge surprise.... $1240 full comp!!!! I nearly fell out my chair and had to ask the lady on the phone again "are you SURE that's put down as 20 year old driver!?!?" she said yeah and sounded puzzled so I explained how 8 other companies basically hung up in my ear!

oh well end of blog, just thought I would put a bit of faith into under 25ers who are thinking of buyin a T and stressing about the insurance woes!

goodluck fellas!

[maximum_velocity]

Congrats on the new T mate, how bout some pics ey?

By the way regarding your insurance thingo have u had any at-fault crashes?

[Buf-Phoon]

traded in the NA on a T last week, and came time to do the dreaded deed of pricing insurance full comp for a under 25 driver..

previously on my old NA it was insured thru RACV for $1500 a year full comp. I was fearing that now owning a T my insurance would definately go over 2G!

the only companies who would even care to try to insure me were RACV and JUST CARS (under-written by "aami").

just cars came to $1650 ful comp which I was damn impressed about! I thought to myself PHEW!!! that's a relief I was expecting atleast 2G..

then I rang RACV last of all, and to my huge surprise.... $1240 full comp!!!! I nearly fell out my chair and had to ask the lady on the phone again "are you SURE that's put down as 20 year old driver!?!?" she said yeah and sounded puzzled so I explained how 8 other companies basically hung up in my ear!

<{POST_SNAPBACK}>

All will be well until you start to mod it .... which you will then, see who will touch it Buying a Phoon saw my premiums sky rocket by over $1000 p/a, though it is likely that this will come down once current risk assesments are validated.

3 mods as a minimum and I will hopefully still be sweet..... AAMI

[Trough Lolly]

traded in the NA on a T last week, and came time to do the dreaded deed of pricing insurance full comp for a under 25 driver..

previously on my old NA it was insured thru RACV for $1500 a year full comp. I was fearing that now owning a T my insurance would definately go over 2G!

the only companies who would even care to try to insure me were RACV and JUST CARS (under-written by "aami").

just cars came to $1650 ful comp which I was damn impressed about! I thought to myself PHEW!!! that's a relief I was expecting atleast 2G..

then I rang RACV last of all, and to my huge surprise.... $1240 full comp!!!! I nearly fell out my chair and had to ask the lady on the phone again "are you SURE that's put down as 20 year old driver!?!?" she said yeah and sounded puzzled so I explained how 8 other companies basically hung up in my ear!

<{POST_SNAPBACK}>

All will be well until you start to mod it .... which you will then, see who will touch it Buying a Phoon saw my premiums sky rocket by over $1000 p/a, though it is likely that this will come down once current risk assesments are validated.

3 mods as a minimum and I will hopefully still be sweet..... AAMI

<{POST_SNAPBACK}>

actually wanna hear sumthin even cooler??

the bird said "you can perform UNLIMITED modifications prividing their all LEGAL and dont exceed the value of the car"

also she let me throw upto the value of 3G worth of stereo equipment at no extra charge!!!

so basically I can do whatever I want to my exhaust priding it doesnt exceed noise limits or emissions!

[XR06T]

that's awesome.. RAC over here in wa wouldn't touch me!

ended up goin with just car and they are the same with the mods - whatever you like, as long as its legal. no permits or nothing!!

only $1680pa an I just turned 22. 3 claims from the last insurer and lost license twice! thought I was gonna be hit up for 2k aswell.

good on these insurers for letting us get these great cars

[BA_Turbs]

traded in the NA on a T last week, and came time to do the dreaded deed of pricing insurance full comp for a under 25 driver..

previously on my old NA it was insured thru RACV for $1500 a year full comp. I was fearing that now owning a T my insurance would definately go over 2G!

the only companies who would even care to try to insure me were RACV and JUST CARS (under-written by "aami").

just cars came to $1650 ful comp which I was damn impressed about! I thought to myself PHEW!!! that's a relief I was expecting atleast 2G..

then I rang RACV last of all, and to my huge surprise.... $1240 full comp!!!! I nearly fell out my chair and had to ask the lady on the phone again "are you SURE that's put down as 20 year old driver!?!?" she said yeah and sounded puzzled so I explained how 8 other companies basically hung up in my ear!

<{POST_SNAPBACK}>

All will be well until you start to mod it .... which you will then, see who will touch it Buying a Phoon saw my premiums sky rocket by over $1000 p/a, though it is likely that this will come down once current risk assesments are validated.

3 mods as a minimum and I will hopefully still be sweet..... AAMI

<{POST_SNAPBACK}>

actually wanna hear sumthin even cooler??

the bird said "you can perform UNLIMITED modifications prividing their all LEGAL and dont exceed the value of the car"

also she let me throw upto the value of 3G worth of stereo equipment at no extra charge!!!

so basically I can do whatever I want to my exhaust priding it doesnt exceed noise limits or emissions!

<{POST_SNAPBACK}>

Make sure you read you policy documentation from start to finish. It would be interesting to see if that reflects what "the bird" has told you.

[harvyk]

I recently went through the same woes with insurance as you. I ended having to go with NRMA as the only other one whom would touch me was Just Cars, and at an extra G onto NRMA's quote I told them where to go... (I had a not at fault claim with NRMA and was very unimpressed with how they handled it which was why I wanted to leave them, unfortuantly no choice...)

Once I hit 25 (1.5 years and counting) I'll be switching over to AAMI (my wifes car and our house and contents insurance is through them...) plus that will be taking our premiums down below the 1G mark...

[Cro]

I recently went through the same woes with insurance as you. I ended having to go with NRMA as the only other one whom would touch me was Just Cars, and at an extra G onto NRMA's quote I told them where to go... (I had a not at fault claim with NRMA and was very unimpressed with how they handled it which was why I wanted to leave them, unfortuantly no choice...)

Once I hit 25 (1.5 years and counting) I'll be switching over to AAMI (my wifes car and our house and contents insurance is through them...) plus that will be taking our premiums down below the 1G mark...

<{POST_SNAPBACK}>

Something to look forward to mate.

XR6T Insured in Monash

Agreed Value of 48k

25yo driver

75% NCB (Rating 1)

$775

Mind you I'm moving to Bankstown. When that post code changed the premium went up to $2500