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The Pub For General Automotive Related Talk |
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#1 | ||
FF.Com.Au Hardcore
Join Date: May 2006
Posts: 1,104
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Hi guys...what is the current thinking on "Enthusiast Car Insurance".
I can save about $480 on a couple of cars, compared with my current "Shannons" insurance. Tried to phone them today, but only recordings were on. No personal contact. Comments welcomed. |
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#2 | ||
T3/Sprint8
![]() Join Date: Jan 2005
Location: Australia
Posts: 16,340
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left Shannons years ago as they just didn't satisfy me whilst being arrogant.
Went to Ryno was a win win for a couple of mine didn't look back then some years ago their HQ changed their course to market ie dropping HSV/FPV/Tickfords therefore I found Enthusiasts some 5yrs ago. Not a problem - easy to deal with and good rates. I get return call or email and they get back to me. Just renewed both my Falcons minimal low k's P/A, salvage rights and happy agreed values. Thats my comments others may have different experience as there normally is.
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Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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#3 | ||
FF.Com.Au Hardcore
Join Date: Dec 2007
Location: Ballarat
Posts: 2,123
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I left shannons and went to enthusiast. Shannons wouldnt get anywhere close to a reasonable value on any of my cars whereas enthusiast straight up offered what i wanted with the option to go higher. I was also getting sick of Shannons wait times on the phone, and had a total joke of an experience with them claiming on the house insurance. Every time I've rang enthusiast ive got an aussie on the other end pretty quickly. I havent claimed with enthusiast so cant speak for that yet, but theres a couple of big downsides with them depending on your circumstances:
Named driver only. If your mate wrecks your car and he's not on the policy, too bad. Very few exemptions on this. Kilometre limit. You start with a certain amount, i think you can purchase up to 2000km? But if you wreck and youre over theres a big penalty. Seem to recall extra $2k. And if you wreck and your odometer reads less than you told them you started with, no claim. |
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#4 | ||
Abuser of Charvels
Join Date: Dec 2004
Location: ACT
Posts: 4,044
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With the KMs on Enthusiasts, just do the right thing and if you need another 1000 or 2000 just ring and add it on for the year and they will pro rata it and it's not much for peace of mind.
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#5 | ||
FF.Com.Au Hardcore
Join Date: Jan 2018
Posts: 990
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My car insurance went up by $200 last year and up 60% this year they want to screw me over with and i am over 60yo and rating 1 no claims !
So what is it, why am i being stung ! are you lot dealing with such increase ? I think we are paying because of all of the idiots who got their cars swamped ? because most people nowadays could not care less to bother to drive their car up the road to a hill so it will not be swamped ? I remember the days when people were prepared for flooding and would hop to it directly to save their belongings ! but nowadays people dismiss any help you offer, you say move your car etc up to safety and they just dismiss you. Same with bush fire, they have no regard ! one has to keep bush land has to be reasonable, but No ! so who is it that is paying for all this, people who do the right thing being stung ! |
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#6 | |||
T3/Sprint8
![]() Join Date: Jan 2005
Location: Australia
Posts: 16,340
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Quote:
Very easy to deal with as I mentioned. Jack91, re a mate driving your toy, well that just don't happen with me, its a sorry no mate uninsured not going to happen. KLM limit, well whats the prob ? damned if I'm going to compramise a policy and my name. Renewing the other week was can you supply current klms on both ? Yep let me get back to you. the T3 is in storage, so I said it hasn't moved since last policy, good thanks sir noted on policy. The Sprint, yes I drive it now and then, having checked to confirm, only did 1k over the year. Sir you currently have last policy 4Klm limit, in fact on both cars, considering only done 1K on the Sprint and nil the T3 how about we drop the minmal use to 2K And might I add you'll gain a saving of 1K on your policy. Oh great yes please go ahead. Win win there, and telling the truth you have no issues if and when the time comes doing a claim, nothing to worry about. The 4K limit I used to have was to cover myself in case I over used either what I nominated. I have find Enthusiast good as Shannons was way way back in the ol days and long before when they got bought out. Also as mentioned you speak to an aussie.
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Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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#7 | ||
FF.Com.Au Hardcore
Join Date: Jun 2011
Location: Pt Lincoln far side South Oz
Posts: 5,764
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I chased Shannons & Enthusiast, finished going back to RAA (South Oz) even though Id just had a complete writeoff claim, But I had other policies with them. Substanially cheaper and better deals
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Dont p i s s off older people. At our age the term Life in Prison is not a deterrent |
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#8 | |||
FF.Com.Au Hardcore
Join Date: Dec 2007
Location: Ballarat
Posts: 2,123
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Quote:
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#9 | ||
T3/Sprint8
![]() Join Date: Jan 2005
Location: Australia
Posts: 16,340
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yes all cool Jack91, yer agree.
The shonks haven't helped us honest ones for years and years. Long before the late weather disasters of the last 5yrs or so.
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Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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#10 | ||
Regular Member
Join Date: Mar 2024
Location: Stanthorpe, QLD
Posts: 34
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I can't fault Shannon's. Always courteous, quick to answer the phone, give good guaranteed values for cars over 15 years old and multi-car discount (I currently have 7 insured).
Cheers Adrian |
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#11 | ||
Ford screwed the Falcon
Join Date: Sep 2013
Posts: 7,062
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I just received my insurance renewal from RACV. Over $1,600 for unmodified 2016 FG X XR6 non-turbo sedan with only option being choice of repairer. A few years ago it was just under $1,000. How can they justify such large annual increases???
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Falcon: 1960 - 2016 My cars Current ride 2016 FG X XR6 - 6 speed manual Previous rides 2009 FG XR6 - 6 speed auto 2006 BF MkII XT ESP - 6 speed auto 2003 BA XT V8 - 5 speed manual 1999 AU Forte - 5 speed manual 1997 EL Fairmont - 4 speed auto 1990 EAII Fairmont Ghia - 4 speed auto |
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#12 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 21,852
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Weasily.
I hope you’re shopping around for a better premium. Last edited by Citroënbender; 07-06-2024 at 06:33 AM. |
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#13 | ||
Barra Turbo > V8
![]() ![]() Join Date: Jan 2005
Posts: 25,728
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Same deal here, last year my ute was $1962 insured for $34700 agreed with AAMI.
This year $2508, insured for $30800, both with 10k kms/year. Absolute scam. I got a quote from enthusiast insurance co. $1548/year but lower 9k kms. I really should take it up. Even though they did take a little bit of time to sort out for me.
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-2011 XR6 Turbo Ute - Lux Pack - M6 -2022 Hyundai Tucson Highlander Diesel N Line |
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#14 | ||
T3/Sprint8
![]() Join Date: Jan 2005
Location: Australia
Posts: 16,340
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Damn some mad figures of late but I am not surprised.
These companies are taking us/consumers for the ride - be it pre covid and natural disasters and post. Then add in the scammers they are reaping the reqards for lets face it what choice do we have, doing comparison's is getting harder as well. At least my 2 Fords at very low K use great deal through Enthusiasts but I'm baffled DJM83 at your Falcon quotes. Yep AAMI ridiculous. Enthusiast I'd jump onto no matter the bit of time getting back to you, all these crowds service is questionable today with less and less staff but I find them very good. Do you really use it up to 9/10k's p/a ? go lower reduce your out of pocket. I just checked my Macan policy with them to yours and man how baffling. Up to 10k Choice of repairer $2k.
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Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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#15 | ||
Very regular
Join Date: Feb 2008
Location: Lost in the space time contiuum.
Posts: 391
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The 2008 G6ET is currently insured (market value/comprehensive) with AAMI. The last premium paid back in January was $402.59. I didn’t think that was too bad.
As a comparison, the 2023 Y62 TiL Patrol (new at the time), same policy as above, was $926. I’d heard all sorts of horror stories of premiums being north of $2,500 so again, I didn’t think the cost of the policy for the Patrol was all that outrageous.
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G6E Turbo Ego Cashmere .....The velvet sledgehammer ![]() |
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#16 | |||
Thailand Specials
Join Date: Aug 2009
Location: Centrefold Lounge
Posts: 49,028
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Quote:
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#17 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 21,852
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Full-fat L300 Starwagon in good nick should be a classic. They were pretty cool!
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#18 | ||
FF.Com.Au Hardcore
Join Date: May 2009
Location: Brisbane (Southside)
Posts: 1,149
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My SSV Redline is with Shannons on part use (twice a week). Mods covered (OTR Intake, Cam, headers, exhaust, tune) and customs aftermarket stereo install. Ive got agreed Value at $60k (though they would allow up to $70k). Was paying $120/month but just got my renewal and they are jacking it up to $135/month for the same.
Will definitely have a look at Enthusiast though, it seems like some happy campers here...
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2008 FG XR6 Turbo ZF In Sensation - Gone, but not Forgotten.... Hers: 2024 Ford Everest Platinum in Equinox Bronze His Daily: 2020 (MY21) Kia Sorento GT-Line in Mineral Blue His Weekender: 2017 Commodore SSV Redline manual in Light My Fire Orange |
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#19 | ||
The one and only
Join Date: Dec 2004
Location: Carrum Downs, Victoria
Posts: 9,053
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I went to a broker to insure my 6 cars.
3 on road, 3 under various stages of resto. Can't fault them, took the hassle out, plus they assist with claim management if required.
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1992 DC LTDHO 360rwkw built by me Tuned by CVE Performance Going of the rails on a crazy train Other cars include Dynamic ED Sprint, Dynamic DL LTD, Sparkling Burgundy DL LTD, Yellow, Red & Blue XB sedan & Black XB Coupe
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#20 | ||
T3/Sprint8
![]() Join Date: Jan 2005
Location: Australia
Posts: 16,340
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Not a bad consideration next renewal I’ll give it a go.
Sent from my iPhone using Tapatalk
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Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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#21 | ||
FF.Com.Au Hardcore
Join Date: Mar 2005
Posts: 1,216
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I am currently with Shannons but they drop the "agreed" value upon renewal and is at a point where I could not replace like with like in the event of a write off. I tried to get an agreed value quote on my AUII XR6 ute thru Enthusiast car Insurance. Filled out the online form and it was rejected.
Still with Shannons looking for an alternative.
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AUII XR6 VCT ute 20 years and still going strong! |
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#22 | |||
Donating Member
![]() Join Date: Mar 2007
Location: Heading thru Hell (Corner)
Posts: 8,182
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Quote:
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Labels are for jars, not for people. Life is a journey, not a destination. ~~~~~~~~~~~~~~ Daily: 2013 FGII EcoLPi in Winter White Play: 2015 FG X XR8 in Emperor Show' N Shine thread Gone, but not forgotten: 2015 SZII petrol Titanium Territory in Emperor |
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#23 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 21,852
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Has anyone here tested Shannon’s on their “Emergency repairs” allowance? As in, performed repairs to restore safety or roadworthiness immediately following a claimable event.
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#24 | |||
FF.Com.Au Hardcore
Join Date: Jun 2010
Posts: 1,355
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Quote:
The Car was a Mini that was parallel parked at night. He drove a short distance, check engine light and alarms etc came on, Pulled over and called BMW assistance the guy turned up and diagnosed the car had lost it's coolant. The Car was towed to the dealer and next day the dealer called him and told him the car had been in a minor accident. From what they could see they seem they think a vehicle with a towbar and no tow ball had reversed into his car and the tongue of the tow bar had gone through the grill and punctured the radiator and done other damage. He was emailed a lot of pictures and a quote to get the car roadworthy. He authorised the dealer to fix the car as he needed the car for work and had the car back the following day. I saw pictures of the front and you could hardly see any damage. When he tried to claim the mechanical repairs is when the argy bargy happened as Shannon's only allow a certain hourly rate for mechanical repairs and the dealer charges about double that rate. |
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#25 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 21,852
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Cheers, that’s probably a greater scope of work than I’m looking at - a headlight and splash shield after someone else stuck their nose out of a side street, just to keep it roadworthy while I get it quoted. Will likely go aftermarket on the light in case they decline it. There’s a nominal allowance of $500 or something but I’m not going to take the micky and run it to $499.
Driving calmly seems to now have people frequently underestimating your speed of approach. |
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#26 | ||
Ford screwed the Falcon
Join Date: Sep 2013
Posts: 7,062
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Increased my excess from $1,000 to $2,200 and the cost of insurance dropped by more than $400!
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Falcon: 1960 - 2016 My cars Current ride 2016 FG X XR6 - 6 speed manual Previous rides 2009 FG XR6 - 6 speed auto 2006 BF MkII XT ESP - 6 speed auto 2003 BA XT V8 - 5 speed manual 1999 AU Forte - 5 speed manual 1997 EL Fairmont - 4 speed auto 1990 EAII Fairmont Ghia - 4 speed auto |
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