insurance

[Bens eb falcon]

hi i currently have insurance with allianz agreed value for $11000 i pay $70 a month with $300 exess do you think that is a good deal or is there better out there car is a 2009 bf falcon wagon with minor mods

[MercuryT]

(shop around mate, you'll get a good figure as it's easy to know the market)

[Bens eb falcon]

yea have been but not sure what else to look for there are a lot wanted to save 50 phone calls

[marty351]

$300 excess on 11k with mods. Sounds ok.

[Ben73]

Sounds reasonable, but there's too many variations for us to judge.
Do as many online quotes as possible.


At my last renewal I saved $700 by doing online quotes with similar companies and coverage. My previous company was going to charge me $700 extra for my loyalty.

[zilo]

If it has mods I say ...good deal....

But depends on what you call "mods" (fluffy dice on mirror?)

[Tonz]

FFS you dont wont to spend money on 50 phone calls to try and save hundreds on yearly insurance. Most decent ph plans have unlimited calls anyway.

[FoxtrotGolfXray 5.0]

Originally Posted by Tonz

FFS you dont wont to spend money on 50 phone calls to try and save hundreds on yearly insurance. Most decent ph plans have unlimited calls anyway.

I took as a reference to saving time, Tonz, more so than $$$ on the phone calls.

[Bens eb falcon]

it was more to do with time than cost of calls of course but i have gone through all the online qoutes very few give online qoutes with agreed value not market value mods arnt engine or suspention more lights sound and interiour

[MercuryT]

My last 3 cars have all been modded and all were completed online at agreed value.

Never spoken to anyone outside claim time.

I'm Commbank at it took 10minutes when I got the R36.

Maybe you have certain criteria that is seen as more risky etc, not sure.

[Bens eb falcon]

what companies have you checked then im in south aus and even raa insurance that i know does agreed value didnt offer it at all in online quote my current insurance didnt offer it online either but they contacted me oneday after i tried online and set me up i have never even had to use insurance before yet

[MercuryT]

Originally Posted by Bens eb falcon

what companies have you checked then im in south aus and even raa insurance that i know does agreed value didnt offer it at all in online quote my current insurance didnt offer it online either but they contacted me oneday after i tried online and set me up i have never even had to use insurance before yet

Well your last sentence is the problem.

Not your fault, but you basically have no rating or history.

[Bens eb falcon]

i have 12 years of history actually i have the best rating

[Bens eb falcon]

i never had to use insurance not i havent had insurance before been with a few companies over the last 12 years

[MercuryT]

You just said you've never used Insurance. I assumed you mean claim instead but you've been covered.

Mate it's too hard as we're all guessing. As I said Commbank Insure have been fine for me and so good luck.

[Bens eb falcon]

combank have decent cover $12500 for $900

[MercuryT]

Originally Posted by Bens eb falcon

combank have decent cover $12500 for $900

Seems reasonable but remember insurance companies use suburbs and car type differently (yet similar)

My R36 agreed at 15 and I pay a 1000 and 300 excess.

Reason I changed as I wasn't happy with AAMI. My BA Turbo went up every year even though I didn't claim - explanation was due to review on steal rates and accidents. About 400 a year (extra) from memory.

Changed companies and haven't looked back. But again, I'm sure AAMI are ok too as lots of variables.

[Bens eb falcon]

yea i live in the country my insurance hasnt changed just curious of better deals

[LTDHO]

A forum isn't going to provide you with the answer, as noted there are way to many variables. You need to call around.

My preference is to never go with the cheapest, you'll regret it when you claim.
I make sure I get first option at buying the wreck and that all my mod's are listed.