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The Pub For General Automotive Related Talk |
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13-01-2015, 03:36 PM | #1 | ||
Regular Member
Join Date: Feb 2012
Posts: 69
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Just a random question,
Got my renewal for insurance today. The car listed in the Policy is a 6SP FG Falcon however mine is a 5SP. Would this have any implication if I was to make a claim if I had an accident? Should I even mention it to them? Cheers Last edited by Steroidfrog; 13-01-2015 at 03:42 PM. |
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13-01-2015, 05:40 PM | #2 | ||
formerly Troy23
Join Date: Nov 2011
Location: Salisbury North, SA
Posts: 1,428
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I would get the info corrected for your own best interests
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My ride: 2010 FG XR6 (black) Mods: Pacemaker competition headers, hi flow cat, x-force cat back exhaust, K&N air filter, Kings SSSL springs, Herrod CAI, Powerbond under drive, XR6T injectors[B] |
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14-01-2015, 12:37 PM | #3 | ||
My IP address is banned.
Join Date: Dec 2012
Posts: 17
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Yes, you should mention the error, it is under your Duty of Disclosure to do so.
In the event of a claim, you may be asked if you received your renewal/Certificate of Insurance, if you read your renewal/Certificate of Insurance. You will then be asked if there were any mistakes on your renewal/Certificate of Insurance and finally questioned as to why you failed to notify the Insurer of any mistakes/errors. If you do not want to be placed in the position of explaining or possibly having your claim declined or varied due to not disclosing the error, you should have that detail amended on your policy. Your renewal is the time to update all your details with your Insurer, make any corrections and advise if there have been any changes to the risk since the last renewal such as traffic infringements, undisclosed accidents, new drivers of the vehicle and modifications. Hope that helps |
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14-01-2015, 01:45 PM | #4 | ||
FF.Com.Au Hardcore
Join Date: Dec 2009
Location: Brisbane
Posts: 718
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Yes and while you are at it do some shopping around. I'll guarantee you will get a better deal with another company. Then take that deal back to your original insurer and see if they can better or match it.
They are all hungry for business. Cheers Mike
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Current - 2014 FG MkII FPV GT (No 1460) Winter White, Black Stripes - 6 Speed ZF - Factory Leather & Sat Nav - Tint - Full Metal Dipstick - K&N Filter. Wife's - 2018 Peugeot 3008 Gtline, Pearl White - 6 Speed Auto - Fully Optioned. My Toy - 2014 Smart Fortwo Passion Crystal White, Black Tridion Cell - 5 Speed Auto with Flappy Paddles - Tint - Twin Exhaust The only good Commodore is the one now very very quickly disappearing in my rear view mirror. |
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15-01-2015, 02:17 PM | #5 | ||
FF.Com.Au Hardcore
Join Date: May 2010
Posts: 3,338
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If it is wrong on the policy the payout figure may be different if it is a total loss.
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15-01-2015, 08:21 PM | #6 | ||
Regular Member
Join Date: May 2013
Posts: 130
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Change it ASAP. They'll latch onto any little thing that can get them out of paying.
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15-01-2015, 09:49 PM | #7 | ||
Donating Member
Join Date: Jun 2007
Location: Checking out soft furnishings....
Posts: 8,861
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Just got my renewal for coles, 2010 XR6T
They said agreed value $23100 and $99 a month Did a new quote and got $56 a month for agreed value of $23100. Don't ever pay what the renewal is |
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8 users like this post: |
16-01-2015, 11:50 AM | #8 | ||
Regular Member
Join Date: Feb 2012
Posts: 69
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Thanks everyone for the advice. I'll be calling around to a couple of companies and getting some competitive quotes.
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16-01-2015, 12:30 PM | #9 | ||
Cranky old bastard
Join Date: Dec 2004
Posts: 9,394
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Dont forget Budget, Coles and Wollies. Like has been said before, very competitive for your dollar out there.
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16-01-2015, 01:11 PM | #10 | |||
Go the Hogster!
Join Date: Sep 2008
Location: Brisbane
Posts: 2,518
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Quote:
Although my saving is a lot less than yours fordomatic!
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Nitro XR50 - the last brand new one in OZ first registered Oct 2011. |
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16-01-2015, 01:16 PM | #11 | ||
OzEcruisers PRESIDENT
Join Date: Mar 2005
Location: Melbz
Posts: 15,761
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I despise AAMI as they are cheap and nasty but if you are after cheap they have a $100 online discount and then give you a $50 voucher for jbhifi or the like just don't come back on here complaining when they stuff up your repairs lol
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1994 Ford Fairmont EF NA 6cyl Man 3.9 diff Sedan PROEF 13.46 @ 105.78mph Tuned by DYNOMOTIVE 200BUX - AFF Drag Nats 2019 EF Wagon
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10-02-2015, 01:33 PM | #12 | ||
FF.Com.Au Hardcore
Join Date: Dec 2009
Location: Brisbane
Posts: 718
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Just got a letter from Coles Insurance. My policy is due for renewal soon. This is what they said ...
Thankyou for insuring your car with Coles Car Insurance. As you may already be aware, your Coles Car Insurance Policy is due to expire and you will shortly receive your renewal details in the post. As a loyal customer of Coles Insurance, we are pleased to offer you the [B]same price[B] as your existing policy for your upcoming renewal provided your circumstances don't change before your renew. So this is what I get ... Car is a 2014 FG MkII FPV GT Cover is Comprehensive Lifetime repair guarantee on repairs carried out All Drivers over 25 Excess $800 (If under 25 extra excess of $400) No Claim Discount 1 Windscreen Option Yes Sum Insured Agreed Value $71290 No Finance on Car Private Use only Garaged overnight Drivers listed on policy licenced for at least 8 years (The missus and myself) No Traffic infringements in last 5 years Total Premium $333.00 Don't know anyone who can beat that .. I'm not even going to try ringing around the others as I think I'll be wasting my time. Cheers Mike
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Current - 2014 FG MkII FPV GT (No 1460) Winter White, Black Stripes - 6 Speed ZF - Factory Leather & Sat Nav - Tint - Full Metal Dipstick - K&N Filter. Wife's - 2018 Peugeot 3008 Gtline, Pearl White - 6 Speed Auto - Fully Optioned. My Toy - 2014 Smart Fortwo Passion Crystal White, Black Tridion Cell - 5 Speed Auto with Flappy Paddles - Tint - Twin Exhaust The only good Commodore is the one now very very quickly disappearing in my rear view mirror. Last edited by brismike; 10-02-2015 at 01:38 PM. |
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10-02-2015, 03:06 PM | #13 | ||
Lurking......
Join Date: May 2009
Posts: 449
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How are Coles when it comes to a claim?
Is the process straight forward and are they there/helpful every step of the way? I just wonder with some of these really cheap insurers how good the service is when you actually need it. The old saying you get what you pay for....... |
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10-02-2015, 03:33 PM | #14 | |||
Moderator
Join Date: Jun 2006
Location: Foothills of the Macedon Ranges
Posts: 18,605
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Quote:
Its when you leave the car with them you dont know who will be doing the repairs. It will be the cheapest bidder for the job. |
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10-02-2015, 03:37 PM | #15 | ||
FF.Com.Au Hardcore
Join Date: Feb 2009
Posts: 1,460
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Live in Sydney.
Prices crazy Shop around. I literally did over 20 or so quotes and settled with LSV Insurance for my ride. Worked out great for me, very happy and unlimited mods. However vehicle has to be over 10yrs old. Again worked out great for me Was prior with Coles, which only allow one or two mods.
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Before - ED Falcon Futura (sold) EL XR6 (R.I.P.) VX SS (R.I.P) VE Berlina |
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10-02-2015, 04:26 PM | #16 | |||
FF.Com.Au Hardcore
Join Date: Dec 2009
Location: Brisbane
Posts: 718
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Quote:
I had only swapped to them from Suncorp 4 months before I made the claim. They were great. Assessors came out within 2 days. Everything was fixed within 3 weeks. Neighbors around me were waiting more than 2 months or longer to get their houses repaired. Not only that I saved massively ($800 pa saving) on the premium compared to Suncorp who were forcing me to take flood cover when I don't need it as I live on high ground. So while I have never made a motor vehicle claim thru Coles, based on my experience with Home & Contents insurance, I would say they should be ok. They are a big company with a reputation to maintain. Not only that just try to insure an FPV GT somewhere else comprehensively for $333 pa at agreed value of $71290.
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Current - 2014 FG MkII FPV GT (No 1460) Winter White, Black Stripes - 6 Speed ZF - Factory Leather & Sat Nav - Tint - Full Metal Dipstick - K&N Filter. Wife's - 2018 Peugeot 3008 Gtline, Pearl White - 6 Speed Auto - Fully Optioned. My Toy - 2014 Smart Fortwo Passion Crystal White, Black Tridion Cell - 5 Speed Auto with Flappy Paddles - Tint - Twin Exhaust The only good Commodore is the one now very very quickly disappearing in my rear view mirror. |
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11-02-2015, 01:26 AM | #17 | ||
Lucifer's Angel
Join Date: Dec 2004
Location: Sydney
Posts: 5,282
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A workmate bought a new auto Mazda 3, and though he told them it was auto, when the paperwork came out, it stated it was a manual.
He did the right thing by calling up to correct their error, and they told him he now owed them an extra $120, because the auto was more expensive to insure. He was less than impressed...
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SINISTER BA XR6 Blueprint, manual, 4490's, Redback 2.5" dual exhaust, BA Typhoon rims, tint, fog light covers, BF tailights, blue illuminated window switches, Ghia bootlid carpet, lower grille, FPV door spears, steering wheel & interior bits, XR6T + F6 intake, K&N filter, Typhoon spoiler, tuned, sway bars, custom angel eyes & plates..YUM!
If there's one thing guys in Holdens hate more than being beaten by a Ford... It's being beaten by a girl driving a Ford |
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11-02-2015, 01:32 PM | #18 | |||
FF.Com.Au Hardcore
Join Date: Jan 2005
Posts: 4,167
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Quote:
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igodabigblackshinycar and I relented and allowed a BMW into the garage. |
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12-02-2015, 12:25 AM | #19 | ||
FF.Com.Au Hardcore
Join Date: Jan 2008
Location: brisbane
Posts: 1,316
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Hi all
Im lost with the insurance prices We have a 2004 Territory Ghia We got in 2012 when I bought it for cash I insured it with APIA for an agreed value of $20000 at a cost of $400 a year last year they sent me the renewal and stated agreed value of $15000 at $450 a year now this years notice came and said agreed value of $9500 and a cost of $550 a year I dont know how they come to that price when I had agreed value I had injected gas fitted last year and told them so now there is no way you can buy an unmarked 4X4 Ghia with 19 inch wheels and tinted windows and 19000ks for $9500 we have three cars with APIA also house and contents must be time to look around also we have a rating one for life what gives anyone here know thanks John |
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12-02-2015, 01:23 AM | #20 | |||
FF.Com.Au Hardcore
Join Date: Jan 2005
Posts: 4,167
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Quote:
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igodabigblackshinycar and I relented and allowed a BMW into the garage. |
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12-02-2015, 08:32 PM | #21 | ||
Donating Member
Join Date: Jun 2007
Location: Checking out soft furnishings....
Posts: 8,861
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Been with coles for a while, each year they send the renewal cancel the policy and start a new one.
For example, my FGT was $1210 for the year, got renewal it said $1020. I did an online quote and got $660 using exactly the same info as the renewal. You then ring up and cancel the new policy and start the one you got the quote for yourself. It's a lazy tax, when you ring up to change they don't even try and deny its what they do |
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12-02-2015, 10:17 PM | #22 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Posts: 4,167
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Correct they offer cheap quotes for new customers but not for old. Ring them up and they don't match for existing customers.
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igodabigblackshinycar and I relented and allowed a BMW into the garage. |
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14-02-2015, 10:58 PM | #23 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Posts: 4,167
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Would seem this thread jinxed me. Last night wifey rang and said she had had an accident, all her fault, admittedly, turned in front of a car she did'nt see. the car has an agreed value of 20900 thereabouts and I no longer know how much damage costs to repair but I hope it is a right off but I think I am being optomistic. So at least I will be able to tell you how Budget Direct is to deal with.
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igodabigblackshinycar and I relented and allowed a BMW into the garage. |
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02-03-2015, 07:59 AM | #24 | |||
BA MKII XR6T
Join Date: Apr 2011
Location: Sandringham, VIC
Posts: 31
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Quote:
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2005 BA MKII XR6 Turbo Shockwave Blue 6 Speed Manual, Leather, Sunroof, FPV MOMO Steering Wheel, Premium Sound, Sat Nav, FPV Gauge Holder with Boost and Oil Pressure, F6 Airbox, PBR Upgrade Brakes, King Superlows, 19" Typhoon R Spec Wheels Tuned by Blue Power Racing Developments 270rwkw
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02-03-2015, 03:21 PM | #25 | |||
FF.Com.Au Hardcore
Join Date: May 2010
Posts: 3,338
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Quote:
When a insurance company calculate a premium, two main factors come into play. The cost of an average claim for your type of car and the cost of claims in your postcode for the same type of car. The insurance company does not need to factor in a huge amount for a total loss as the percentage for total loss claims is very small compared to the number of claims lodged. This is why the agreed value on a car can drop but a premium will increase. When looking at repairing a car for a bumper bar for example, the bumper bar will cost more to buy each year, the cost of paint will be more expensive each year and the cost of the panel beater to pay the employee to fix the car will increase each year. So each year the average cost to repair a car increase. |
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