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Need Insurance? Want Cheaper Insurance?

two40

By two40,
in General Automotive Discussion

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BWA Mentor

BWA

Posted
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I got my renewal quote from just car and I really hate them now. They have decreased the value by $1500 but the amount I pay is only about $250 less so it is still around $2500.

I just called Shannons and they can't insure me because I'm not old enough. Basically I just need insurance that is under $2500 and can pay by the month but the problem is because I'm 20 all the good companies are not an option.

Does anyone know any other insurance companies I can try?

thrtytwo Veteran

thrtytwo

Posted
Posted

you just gotta suck it in and take it up the ass, im paying $3k for my 32 Gts-t, 18 with 1 licence loss and 1 at fault claim. just car are only company that would come any where near me :dry:

Zappn Collaborator

Zappn

Posted
Posted

Anyone else have trouble getting shannons to even give you a quote?

I've rung twice now and gotten different people.

First guy said just go to justcars, shannons wouldn't even come close in price.

Second guy said they don't insure that type of car unless it's in a locked garage.

They must ahve changed their policies or something because last year I got quoted 1.1k for my r34 with them :P

Just cars is really cheap at $940 but damn their excess kills you.

Rolls Grand Master

Rolls

Posted
Posted
So you lied and/or changed your story?

wouldnt that come under "duty of disclosure?"

Said exactly the same thing, the first two calls were old guy that straight out said I was going to drift it and crash it and they werent interested. The last guy was younger and said yeah sure we can insure you, it was out of my price range however and I went with 3rd party F&T through Just Cars.

Funnily enough if It get stolen and I get the $5k payout from Just Cars and pay the excess I will still get more then if it was fully insured through Shannons.

GT-R32 Grand Master

GT-R32

Posted
Posted
So you lied and/or changed your story?

wouldnt that come under "duty of disclosure?"

If he did change his story, then yes it would be, if he was intentially withholding or providing false information.

But if he said the same thing and merely had underwriters interepret criteria differently then so be it. Always worth giving it a few goes.

Helio Proficient

Helio

Posted
Posted

I've recently joined SAU, and the info that you guys give has changed my perspective on alot of things. Thankx guys. I've contacted almost every insurance Co worth contacting, and the answer was either we won’t touch you, or they were outrageously expensive. Young & Cool were about $1900-pa, Just Car was $1300-, and the excesses were extremely high. I contacted Unique Car Insurance, and I got quoted $830- with unlimited "roadworthy" mods. So to recommend, I choose Unique Car, they don't do pay by the month, but you can pay every 3, 6 or 12 months, not ideal but better than nothing. But shop around, that's the only way to get a good deal. And always remember to read the fine print, know what you are getting your self in for before you sign.

GT-R32 Grand Master

GT-R32

Posted
Posted
I've recently joined SAU, and the info that you guys give has changed my perspective on alot of things. Thankx guys. I've contacted almost every insurance Co worth contacting, and the answer was either we won’t touch you, or they were outrageously expensive. Young & Cool were about $1900-pa, Just Car was $1300-, and the excesses were extremely high. I contacted Unique Car Insurance, and I got quoted $830- with unlimited "roadworthy" mods. So to recommend, I choose Unique Car, they don't do pay by the month, but you can pay every 3, 6 or 12 months, not ideal but better than nothing. But shop around, that's the only way to get a good deal. And always remember to read the fine print, know what you are getting your self in for before you sign.

Good work ringing around and getting the best price you could, while taking many other factors into account. :sick: Shows how much it varies and how important it is to shop around, keeps the market on its toes, stops the giants from winning business based almost exclusively on brand recognition through mass advertising.

Did you try Ryno Insurance (www.rynoinsurance.com.au)?

They were the most competitive for me and a lot of my friends. Great benefits for service and policy too.

Unique did appear to offer great terms though. :sick:

GT-R32 Grand Master

GT-R32

Posted
Posted
Ryno Insurance? That looks like the old Just Insurance website, what happened there??

Yeah weird huh, a change of name. Not sure why. It was very close to Just Car Insurance, perhaps something to do with it? I might ask one of them why next time I have to speak to them.

Helio Proficient

Helio

Posted
Posted
Good work ringing around and getting the best price you could, while taking many other factors into account. :) Shows how much it varies and how important it is to shop around, keeps the market on its toes, stops the giants from winning business based almost exclusively on brand recognition through mass advertising.

Did you try Ryno Insurance (www.rynoinsurance.com.au)?

They were the most competitive for me and a lot of my friends. Great benefits for service and policy too.

Unique did appear to offer great terms though. :)

Thankx heaps for the advice, I got a good deal through Ryno. Now I can enjoy the drive and not battle with all this insurance crap for a while. Good learning experience though. :)

BWA Mentor

BWA

Posted
Posted

I did an online quote through Ryno over a week ago and they only just got back to me today saying they can't insure me. No idea why but that sucks.

I have ended up going with Famous and it is costing me so much, I paid for 2 months upfront and it was almost $550

Gts-t Grand Master

Gts-t

Posted
Posted
I did an online quote through Ryno over a week ago and they only just got back to me today saying they can't insure me. No idea why but that sucks.

I have ended up going with Famous and it is costing me so much, I paid for 2 months upfront and it was almost $550

Shannons just did me for 92 a month and 20k value, abobroad minded persone legends!!!

No more cash for just cars hahaha no more worries of cheap repairs either :(

thrtytwo Veteran

thrtytwo

Posted
Posted

today was updating my policy, had to add window tinting and a 1k stereo. policy was $2980 and i did a online quote before i called so i had some idea, online raised my agreed value by 1k and got me the new bits covered for an extra $3, over phone they wanted to charge me more than that and werent going to touch the agreed value, so i threatened to cancel my policy and do the new one, she switched them over there and then and waved the extra $3 goodbye :happy:

moral of the story, make sure you do your homework !

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