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| The Pub For General Automotive Related Talk |
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03-03-2015, 07:47 PM
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FF.Com.Au Hardcore
Join Date: Oct 2005
Location: Rowville Vic
Posts: 692
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Hi Guys, I am sure there was another thread about this but I cannot locate it!
I have a renewal notice on a 2005 Terri, the aggreed value $ 9,748 and premium $508-00.I am rating one. What I remember the prev thread others had higher aggreed values and lower premiums! Any thought or your offers? |
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03-03-2015, 07:58 PM
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#2 | ||
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Miami Pilot
 
Join Date: Jan 2005
Location: ACT
Posts: 21,703
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508 sounds Ok to me. A lot depends on where you live, if car is garaged or not etc.
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The Hammer: FG GTE | 376rwkw | 1/4 mile 11.793 @ 119.75mph 1.733 60' (4408lb) 1 of 60 FG MK1 335 GTEs (1 of 118 FG Mk 1 & 2 335 GTEs). Mods: Tune, HSD/ShockWorks, black GT335 19” staggered replicas with 245 & 275/35/19 Michelin Pilot sport 5s Daily: BF2 Fairmont Ghia I6 ZF, machine face GT335 19” staggered Replicas with 245s and 275s, Bilsteins & Kings FPV 335 build stats: <click here> Ford Performance Club ACT |
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03-03-2015, 08:19 PM
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Regular Member
Join Date: Nov 2011
Posts: 378
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sounds about right mate, I have a 05 terri ghia insured for about 11k..coles insurance price including $83 roadside is 699.
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-Bionic BF2 XR6T 350+rwkw@17psi,Pulsar 3582, Leather,premo sound-now with Aerpro + JVC KW-M785BW. Plazmaman IC + hot & cold side, Walbro fuel pump, Turbo side intake, CES 3.5 split + Ultrex SS exhaust, deka 60 injectors, earls turbo oil feed. DBA T3 & Akebono ProACT all round, Whiteline sway bars,nolathane bushes, Koni reds,Kings springs,nolathane camber kit,whiteline bump stops. Built tailshaft + billet cv, ZF + PWR exchanger + braided lines, Superpro diff bushes. |
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03-03-2015, 09:28 PM
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FF.Com.Au Hardcore
Join Date: Dec 2004
Location: Canberra Region
Posts: 9,011
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If its cheaper than a Woolies quote, they'll beat it by $100
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2016 FGX XR8 Sprint, 6speed manual, Kinetic Blue #170 2004 BA wagon RTV project. 1998 EL XR8, Auto, Hot Chilli Red 1993 ED XR6, 5speed, Polynesian Green. 1 of 329. Retired 1968 XT Falcon 500 wagon, 3 on the tree, 3.6L. Patina project. |
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03-03-2015, 09:42 PM
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#5 | |||
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Where to next??
Join Date: Oct 2006
Location: Sydney
Posts: 8,893
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Quote:
I have almost worked it out.... (house number X year of car X age of driver X years of driving X gender) all divided by time you made quote to the power of the place you parked X your NCB X the discount you get when comparing quotes X the temp on the day (to the the power of 17) all divided by the square root of the weight of the car in KG. I think that's pretty close! We have 2 cars. The Mrs 15 grand Mirage, my 42 grand Outlander. Only difference is that the Mirage is exactly 12 months older than the Outlander and the Mirage is a whole heap cheaper. The Outlander policy is less than the Mirage - same company to. Same drivers, same parking situation, same colour.... Would love to know the formula they use...
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___________________________ I've been around the world a couple of times or maybe more....... |
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03-03-2015, 11:00 PM
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#6 | ||
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Regular Member
Join Date: Oct 2014
Posts: 112
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Yellow Festiva's formula is damn close. End result may also depend on which operating software your PC or tablet is running. On a serious note, your post code has the biggest bearing on the end price.
Now I am going back to my attempts to crack the fuel price formula which has been eluding us for years. |
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03-03-2015, 11:04 PM
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#7 | ||
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Thailand Specials
Join Date: Aug 2009
Location: Centrefold Lounge
Posts: 49,577
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Seems rather expensive, for low value car and rating 1 driver, my Focus is insured for $16,000 with 5 or so mods listed for $888/year and I'm under 25.
I'm with JustCar Insurance though. |
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03-03-2015, 11:33 PM
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#8 | ||
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FF.Com.Au Hardcore
Join Date: Dec 2009
Location: Brisbane
Posts: 718
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2014 FPV GT MKII --- $333 per year
2014 smart passion fortwo --- $267 per year Both with Coles Insurance, fully comprehensive, windscreen, new for old under 2 years, $800 excess on the FPV, $600 excess on the smart. Repairer of choice. Both drivers older than 55, no traffic infringements in last 10 years. Both cars fully garaged at night. Live in a good suburb. Never made a claim on any motor vehicle policy. I don't think any other insurer can beat that deal. I'm very pleased with it. 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; 03-03-2015 at 11:38 PM. |
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04-03-2015, 10:25 AM
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#9 | |||
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Former BTIKD
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Quote:
One of mine is also with Coles. 2004 Mercedes CLK, agreed value $25,000 Over 50 yo owner Country address. Locked garage. No Finance. $682 a year. Including Windscreen and roadside assistance.
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Dying at your job is natures way of saying that you're in the wrong line of work.
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04-03-2015, 09:49 PM
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#10 | ||
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FF.Com.Au Hardcore
Join Date: Jan 2008
Location: brisbane
Posts: 1,316
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Hi all
I posted a similar thread on the Terri site I have a 2004 Territory Ghia dual fuel and 19 inch mags in unmarked condition and tinted windows 3 years ago I insured it with APIA for agreed value of $20000 with $400 excess and premiums of $350 and then last year they sent me a renewal and changed the agreed value to $15000 and $400 premium and $450 excess now I just got this years renewal letter and the agreed value has gone down to $9500 and $500 excess I also have 2 other cars insured with them and the house and contents how can they change agreed value? any one have any ideas theres no way you would get a Terri Ghia like this for 9k should I be looking around? Ive been with them for 10 years and a rating 1 thanks John |
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04-03-2015, 10:03 PM
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#11 | |||
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Regular Member
Join Date: Apr 2014
Posts: 309
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Quote:
Seriously the answer is quite simple. Greed. All insurance companies discount to get you in the door then bump up the prices each year in the hope that you couldn't be bothered shopping around. You have to move around these days to keep a competitive price. Or do all the ringing around at every renewal time to get better prices so you can get your insurance company to price match.
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2016 Kuga Trend TDCi |
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04-03-2015, 10:07 PM
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#12 | |||
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Former BTIKD
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Quote:
When it's insurance time I always check a few companies online, just to make sure that mine isn't having a lend of me 
__________________
Dying at your job is natures way of saying that you're in the wrong line of work.
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04-03-2015, 10:39 PM
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#13 | ||
Join Date: Jul 2005
Location: Perth, Western Australia
Posts: 4,513
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Unfortunately now it is all part of a game.
We may have thought that the age of the internet would give us "choices" Unfortunately that is no longer the case. Check your online quotes and see who is the underwriter, you will quickly see that your "choices" have been reduced. IE: Vero/IAG/Suncorp/APIA/CGU have multiple "sites" hell even compare the market has a disclaimer stating that you are getting screwed before you get a quote! Pretty much the same deals within 20-100 bucks, and forget about the 30% loyalty bonus, do a comparison and see that you are NOT getting your discounts. It is sad I know.......... .
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2015 FGX XR8 5.0 S/C 645 RWKW 
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Coles car insurance
Re: Coles car insurance
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