Car Insurance

[arm79]

Had to go through this rigmarole in the last 2 weeks for all our cars.

Enthusiast is only interested in insuring garage queens i found. Something that only gets driven once a month on a Sunday in the sunshine. And you have to provide a picture of the odometer every year and before an incident to prove you haven't gone outside your km range.

Enthusiast wanted 35% to insure my car and 60% more to insure Dad's under the same circumstances.

Went through quotes with a ton of insurers, big and small, and staying with Shannons was a no brainer. No one came close. The premiums are still a decent leap from last year, and the year before for that matter, but the comparative new policy quote exceeds make Shannons look good. Even insurers who promote themselves as cost friendly.

[Trevor 57]

Our friend is with Budget Direct, she hit a kangaroo a week or more back, her excess is $600, they hit her up for $900 as they 'couldn't sue the kangaroo', they then dropped her Rating 1 to a Rating 3 - Don't touch Budget Direct

I have my 3 'classics' with Enthusiasts for the same reasons as listed. Our 2 daily's are with Woolworths

[uranium_death]

Insurance companies do not reward loyalty
In a highly competitive market, new business is their focus
My mate has been with AAMI for 15 years. He learned a long time ago that it's cheaper to cancel his existing policy and create a new one than continue with the same policy.
No loss of benefit either.

My old man has been driving for 60 years. In all that time, he has only made one at-fault claim - which was 25 years ago when Mum made a wrongful assumption and hit a car at a roundabout. They also had a not-at-fault incident when the VC Wagon was written off on GF night '87 when a drunk driver ran up their tail on Warragul Road. He blew 0.165.
Despite his record, GIO increased his premium massively last year. Yes, I know he's over 80, but he hardly drives, and is in excellent health. He has to negotiate like a bitch every single time.

When it comes to insurance, it's a value judgement on what you get for what you pay.
You have to actively shop around and read the fine(r) print.

Insurance companies are the best example of 'lazy tax', where people blindly pay without shopping around.

Been reading about people's Shannon's nightmares on this forum for a long time.