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| The Pub For General Automotive Related Talk |
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29-11-2005, 02:07 PM
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#1 | ||
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Guest
Posts: n/a
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Say if I purchase pay monthly comprehensive insurance, but decide to change insurance company after 3 months, am I in any contract to pay out a years worth of insurance with the old insurer?
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29-11-2005, 02:57 PM
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#2 | ||
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Regular Member
Join Date: Feb 2005
Location: VIC 3752
Posts: 257
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No, but you will have to pay an exiting fee.
I went from AAMI to RACV, which cost me $30 I think (maybe it was more), but the difference in insurance premium was $100. |
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29-11-2005, 02:58 PM
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#3 | ||
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Official AFF conservative
Join Date: Dec 2004
Location: Adelaide, SA
Posts: 3,549
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It would depend on the wording of the policy but the short answer is no. If you miss a payment, chances are they would cancel the policy immediately... its been many years since insurance companies paid pro bono policy claims.
But an even better approach would be to ring them and cancel. There may be a minimum number of months in advance or something silly like that. Dont forget to tell the securities register/bank if there is finance outstanding on the car when you change insurers!!
__________________
A cup half empty... but full of euphoria. |
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29-11-2005, 04:50 PM
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#4 | ||
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hmm...GT
Join Date: Jul 2005
Posts: 25
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Generally if you are on PBTM you won't be charged a cancellation fee. (You will if you are paying annually).
Best to read the PDS they send out with your policy documents. TIP: If you are transferring, mention you're leaving your current insurer and query if they are willing to pay the cancellation fee that you are being charged. If they want your business they will generally do it. Hope that helps, David |
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29-11-2005, 04:57 PM
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#5 | ||
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Guest
Posts: n/a
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Ok just got insurance, $25 leaving fee and they will refund any payments made in advance.
Thanks for those who replied, cheapest insurance I could get was 2515 but they don't do pay by month and I need the insurance tomorrow. So i went with NRMA who's 3100 per year but allow pay by month. As soon as I have the full amount I'll change to Just Car |
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29-11-2005, 11:13 PM
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#7 | |||
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not here much anymore
Join Date: Dec 2004
Location: Sthn NSW
Posts: 22,918
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Quote:
__________________
2024 F150 XLT
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01-12-2005, 05:01 PM
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#8 | |||
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Guest
Posts: n/a
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Quote:
That is for the new focus sorry to say. Never had insurance before, 18, 1 at fault accident  :
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29-11-2005, 07:24 PM
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#9 | ||
Join Date: Jun 2005
Location: Perth
Posts: 501
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ouch thats a hefty premo !!
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29-11-2005, 09:04 PM
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#10 | ||
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FF.Com.Au Hardcore
Join Date: Feb 2005
Posts: 1,042
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Tis
I've lost my liscence once and even mines only 2.1k with Just Car, P.S Just Car are ing awesome..... |
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01-12-2005, 05:01 PM
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#11 | ||
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Guest
Posts: n/a
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Oh yeah I live in next door to one of the top 10 car theft postcodes in Australia
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01-12-2005, 05:13 PM
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#12 | ||
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Guest
Posts: n/a
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Just did an estimate, to put some perspective on how effed it is, if i had a Stock N14 Pulsar SSS worth 12,000, my yearly insurance would be 4584 per year.
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01-12-2005, 05:37 PM
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#13 | ||
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Adapt or perish...
Join Date: Jan 2005
Location: Dip!@#$
Posts: 7,954
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Jesus Christ. That's huge insurance.
I'm gonna do an estimate of what it would cost me as of right now. EDIT - Through RACQ, no mods, just come off the factory floor, 21 y.o, no claims, RACQ Member, rating 2. $1183.75 a year. That's insurance for me for your exact same car BlackLS.
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Carless
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01-12-2005, 07:54 PM
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#14 | ||
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Force Fed Fords
Join Date: Nov 2005
Location: Victoria
Posts: 5,556
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Got a 2005 Turbo Sedan with some options. 30yo, nil history, pay approx $75 per month with RACV and I live next to car theft capital postcode of Victoria. Anyone in VIC with some one different and done better? I just rang up sponsor and they were going to be $1300 pa!!!!
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02-12-2005, 10:49 AM
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#15 | ||
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Regular Member
Join Date: Feb 2005
Location: VIC 3752
Posts: 257
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These posts make me extremely happy with my insurance.
2004 BA Futura wagon, 30yo, rating 1 for life, Bendigo Vic...$350 which includes $65 for windscreen cover through RACV! Something like this could make you think twice about what type of car you buy. Could also influence where you buy a house...what is house and/or contents insurance like? |
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02-12-2005, 11:36 AM
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#16 | ||
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Guest
Posts: n/a
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:( I'll contact Shannons but I'm not hopeful. I guess I deserve it due to my stupidity with my previous car.
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02-12-2005, 11:41 AM
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#17 | ||
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The 'Stihl' Man
 
Join Date: Jan 2005
Location: TAS
Posts: 27,591
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that is a stupid price, I wouldn't even bother getting a car worth ~28k if my insurance was nearly 10% of the total cost. Thats nuts!
Hmm..$25 per month for me. OK its just an e-series but it does everything I want.
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