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The Pub For General Automotive Related Talk |
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30-08-2006, 03:29 PM | #1 | ||
Life's a Gas
Join Date: Apr 2005
Location: Sydney
Posts: 2,029
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Its insurance time again. Being a bit unimpressed with my current company's quote of $1,390, I thought I'd shop arround.
First call: AAMI - $1,858.....LMAO...I don't think so!! Second call, Site Sponsor, Shannons The Shannons guy was really helpful, but warned me "Umm, we're not really competitive on a lot of mainstream type cars...." Shannons Quote...$1,056 That'll do me! |
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30-08-2006, 03:34 PM | #2 | |||
Former BTIKD
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Quote:
What exactly are you insuring here for that kinda money?
__________________
Dying at your job is natures way of saying that you're in the wrong line of work.
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30-08-2006, 03:41 PM | #3 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Posts: 5,165
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I too went with Shannons. Im saving about $40 per month on the Sprint ..... cant beat that kind of saving.
Im curious too what your insuring .......... is a bit steeper than mine ....... |
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30-08-2006, 03:56 PM | #4 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Posts: 4,167
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probably not what he is insuring probably his age. It costs wifey and me less than 500 a year to insure BA XR6 but my sons insurance on a 98 laser for a quarter the value is 1300 as he is only 19.
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igodabigblackshinycar and I relented and allowed a BMW into the garage. |
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30-08-2006, 04:00 PM | #5 | ||
DELANY
Join Date: Jul 2005
Location: Melbourne
Posts: 1,733
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yes iv heard shannons are very good, i think i might get a quote from them and change over if its better
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2010 FG XR6T - 6 speed manual - luxury pack |
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30-08-2006, 05:04 PM | #6 | |||
Former BTIKD
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Quote:
Have you tried insuring the Laser in YOUR name with your son as the main driver?
__________________
Dying at your job is natures way of saying that you're in the wrong line of work.
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30-08-2006, 05:08 PM | #7 | ||
Life's a Gas
Join Date: Apr 2005
Location: Sydney
Posts: 2,029
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I'm a very young and irresponsible 45yo. The car is a standard-ish 5.0 AU Ghia, with the usual mods (intake, suspension, wheels, DBAs). Wife doesn't drive. No kids of driving age.
Situated in inner-west Sydney - premiums are usually a bit higher than you would expect here. |
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30-08-2006, 05:11 PM | #8 | ||
Nitrous Junkie
Join Date: Feb 2006
Location: Brisbane
Posts: 859
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I got quoted around the $3000 a year mark from a few different insurers for my car and my dad got quoted $8000 a year to add me as a driver for his clubsport.
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'97 Toyota Supra - 6spd, Tilton Triple Plate, Built 2J, T88H-38GK, HKS 272 Cams, Haltech E11V2 |
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31-08-2006, 09:50 AM | #9 | ||
Regular Member
Join Date: Apr 2006
Posts: 221
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lol $4500 a year to insurse my car with RACV no other company will touch me other than just cars and they want $2400 a year
if a car is registered in my name can i insure it under my mum or dads name? oh and im 17
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EF Series2 XR8 Manual - Pacemakers- 2.5inch Exhaust System With Dump Tip- Steeda Short Throw Shifter-Yella Terra Light Weight Non Explodeable Flywheel-Creamic Cushion Button Clutch- Dropped 50mm From The Ground- |
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31-08-2006, 05:44 PM | #10 | ||
FF.Com.Au Hardcore
Join Date: Oct 2005
Posts: 3,412
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I'm yet to get a quote under $2000 for my ute.As soon as I tell some of them that I have changed the exhaust, let alone the other mods. they don't want to know about it.Shannons has been the dearest to date at the princely sum of $2600.I'm so sick of Sydney,every thing you do here you get shafted.Have to start looking for a job somewhere else.
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31-08-2006, 05:52 PM | #11 | ||
windsor user
Join Date: Dec 2004
Location: Geelong
Posts: 13,123
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gosh.....some nice expensive premiums above...
im 25 and ive got a lightly modded 5.0 NC Fairlane insured full comp with RACV for $495pa.. im going to have to get a quote elsewhere soon since it will be getting the 347 stroker soon |
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31-08-2006, 08:36 PM | #12 | ||
@jas_23_
Join Date: Apr 2005
Location: Sydney
Posts: 1,076
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yea sydney is F**#KED when it comes to insurance, i pay $1300 for my stock EL, im with nrma, im also 19 years old, ive never had an accident and ive never been booked by a cop, i havent even been pulled over by a cop yet.
I reckon everyone should get cheap insurance when they first get their licence, and it should only go up if you have an accident and its your fault or if you lose your licence. this way those who are good drivers dont have too pay the huge premiums we have too at the moment. |
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31-08-2006, 09:15 PM | #13 | |||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,434
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Quote:
It cost me $3355 a year with Just Cars. I'm 19, no fines, claims etc. Car is a 2003 WRX insured for $27,000. Mods are stereo-$1000 and wheels-$3840. If I was to insure with NRMA(I believe RACV and NRMA are owned by the same parent-IAG) they wanted over $4000 with my mum as the owner and me as a driver |
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31-08-2006, 09:24 PM | #14 | ||
GT= The Gamble,The Legend
Join Date: Jun 2006
Location: Sydney, Australia
Posts: 252
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I pay for my near stock EF 6cyl falcon $1200 comprehensive with nrma as a designated driver and under the age of 25.
Recently i got a few quotes: Nrma:XR6T- $2800 :AUIII XR8 - $3700 JustCar:XR6T - $2200 AAMI: *The phone goes dead* These quotes are for comprehensive cover with a clean record for under the age of 25. |
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01-09-2006, 12:50 AM | #15 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Posts: 3,918
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I got quoted $1650.00 through just car, rating 5 18y/o male with clean history. Car is an AUII falcon sedan with 19's, bodykit, lowered suspension and an exhaust listed as main mods.
I ended up going through RACQ with the car under my mums name, and me listed as a regular driver which is good because its like $600 per year, and i am still earning a no claim bonus. |
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01-09-2006, 08:42 AM | #16 | ||
Regular Member
Join Date: Apr 2006
Location: Sydney
Posts: 260
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i pay $789 yearly for full comp on my car went thru budget direct this time round much better then nrma and aami they included alot of my mod's as well
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01-09-2006, 09:53 AM | #17 | |||
Former BTIKD
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Quote:
__________________
Dying at your job is natures way of saying that you're in the wrong line of work.
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01-09-2006, 11:30 AM | #18 | |||
Regular Member
Join Date: Apr 2006
Location: Sydney
Posts: 260
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Quote:
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01-09-2006, 01:59 PM | #19 | |||
Burnin Rubber
Join Date: Jan 2005
Location: Melbourne, Victoria
Posts: 1,824
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21 male, insured with RACV for $1200.
Just Cars will insure me with any legal mods i want for just over $800.
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2001 AUII Forte (LPG) K&N Air Filter Tickford Air Intake ***Coming Soon: Clear Side Repeaters*** Quote:
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01-09-2006, 02:51 PM | #20 | ||
hmm...GT
Join Date: Jul 2005
Posts: 25
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Some free advise,
Money's not everything when it comes to insurance. Sure you may pay more at NRMA, RACV, GIO,AAMI etc but keep in mind that they are the major players in the industry and they have the claims reserves to pay all of thier potential claims. Remember that smaller company's offer cheaper insurance, but be wary of the fine print and the level of cover that you receive, the last thing you want is to be bitten on the **** come claims time. Always check who UNDERWRITES the insurance that you take out, ie who is responsible for insureing that funds are there to pay a claim. Yes, I work for an insurance company, but I can give an objective view on the industry. B |
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01-09-2006, 04:17 PM | #21 | ||
Former BTIKD
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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APRA seem to think Budget Direct are Ok.
__________________
Dying at your job is natures way of saying that you're in the wrong line of work.
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01-09-2006, 07:16 PM | #22 | |||
Regular Member
Join Date: May 2006
Posts: 272
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Quote:
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02-09-2006, 07:19 AM | #23 | ||
Life's a Gas
Join Date: Apr 2005
Location: Sydney
Posts: 2,029
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Just made another call.
QBE $860. So at the moment its: - AAMI $1,898 - GIO $1,390 - Shannons $1,056 - QBE $860 For the same car, same 45yo driver. I may well still go with Shannnons The QBE guy had no idea what I was talking about when I mentioned a Tickford snorkel, and it never got factored into the quote, not that it should make any difference. I just don't want the insurance voided on a technicality. |
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02-09-2006, 09:49 AM | #24 | ||
SHOCKWAVE MK11 BA XR8
Join Date: Jun 2006
Location: Dandenong. vic
Posts: 383
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i'm with gio not sure of premium (must look it up) paying $116 a month for xr8 and xf wagon. both agreed value. xr8 $50000 xf $1800 both are full comp. excess is $850 on xr8 and $450 on xf. the policy is designated driver. extra excess for unlisted driver is $1000female and $1500male and no drivers under 25 for xr8
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02-09-2006, 09:53 AM | #25 | |||
Life's a Gas
Join Date: Apr 2005
Location: Sydney
Posts: 2,029
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Quote:
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07-09-2006, 09:53 PM | #26 | ||
Spr Jenkins
Join Date: Mar 2006
Location: Melbourne
Posts: 597
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it costs me 900 bucks a year with VIGIL. i'm 22 drive a modded AU falcon, bad accident record and can do whatever i want to the thing without changing the premium or excess as long as its legal.
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08-09-2006, 12:33 AM | #27 | ||
Churches Eat Souls
Join Date: Feb 2006
Posts: 202
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Lowest quote was $1850 with Aami for my VSII exec, 6cyl auto no modifiations.
Just third party on the EF Falcon Gli. $90 year. |
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08-09-2006, 02:52 AM | #28 | ||||
Burnin Rubber
Join Date: Jan 2005
Location: Melbourne, Victoria
Posts: 1,824
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Quote:
__________________
2001 AUII Forte (LPG) K&N Air Filter Tickford Air Intake ***Coming Soon: Clear Side Repeaters*** Quote:
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08-09-2006, 08:34 AM | #29 | ||
Dan Brown Photography
Join Date: Apr 2006
Location: Banksia
Posts: 1,544
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i got insurance for my 03 xr8 couple a weeks ago, through nrma $175 a month at full no claim bonus, not to bad for sydney. there is a big difference between sydney and newcastle in prices. maybe it'll go down a bit next year when i turn 30.
gio wanted over $2300, aami wasn't much better and allianz wouldn't touch me : |
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08-09-2006, 08:58 AM | #30 | |||
SV6000. Yum
Join Date: Aug 2006
Posts: 846
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Quote:
Your relative risk is the dominating factor - this is calculated from your driving history, TYPE of car (ie: probability of your model being in a crash, not its value), and your age. Which makes me wonder - if all you XR6T and XR8 owners are so damn good drivers, why are the premiums so high. Me thinks it is because you crash your cars more. So do the insurers. ***Sits back in chair with cheesy grin waiting for all the rev-heads to attack*** . |
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