Need Insurance? Want Cheaper Insurance?

[morgsj50]

I got my renewal today from JC, up about $150 for no reason

Will be having a chat to them tomorrow

same, my premium went up, my excess went up, and my agreed value went down!!!! just got a pretty fair quote with gio customs though, apparently they'll better justcars if u fax them the renewal... i didnt need to though

[ob1]

here's my premium for comparison:

'99 R34 GT-T

Male

29yrs old

No tickets, accidents, claims in past 5+ years

Brisbane northside

Just Cars, full comp, named driver only (just me), stereo + suspension + exhaust noted.

$26,500 agreed value.

$947/year (down ~$50 form last year)

[mrgilly]

here's my premium for comparison:

'99 R34 GT-T

Male

29yrs old

No tickets, accidents, claims in past 5+ years

Brisbane northside

Just Cars, full comp, named driver only (just me), stereo + suspension + exhaust noted.

$26,500 agreed value.

$947/year (down ~$50 form last year)

How many k's on that mate?

[jjsr33]

i got quoted 3700 a yr from famous for a r33 ser 2 gtst

im 18, neva had insurance and neva had and accidents/fines

dude im 17 got quoted for a r33 gtst n it was 3380 with just car lol...

[jjsr33]

dude im 17 got quoted for a r33 gtst n it was 3380 with just car lol...

just noticed that that was writen in 2003 =x nvm lol

[ob1]

How many k's on that mate?

29000 on the clock. I guarantee no more than 50,000 actual, given the condition of everything, including the underbody stickers.

[ProphetR33]

I got a quote from Just Cars for $2411pa.

Finally got my quote back from Ryno insurance. $1233.

I'm 23, had one suspension of license in the last 5 years.

I wonder which offer I'll take

[Xizor]

I just got a significantly better insurance quote from Ryno aswell. Problem is it says car must be regularly garaged at night... my car doesnt go in the garage, it goes behind the house (and on an acreage at that so pretty damn safe). Is it safe to just say its garaged??

[ScorpR32]

I just got a significantly better insurance quote from Ryno aswell. Problem is it says car must be regularly garaged at night... my car doesnt go in the garage, it goes behind the house (and on an acreage at that so pretty damn safe). Is it safe to just say its garaged??

Whilst your car is most probably safe in its situation- I wouldn't risk it as you may be in breach of your duty of disclosure if it comes to claim time.

[ob1]

I just got a significantly better insurance quote from Ryno aswell. Problem is it says car must be regularly garaged at night... my car doesnt go in the garage, it goes behind the house (and on an acreage at that so pretty damn safe). Is it safe to just say its garaged??

no. they'll avoid paying a claim if they knew that. A garrage is not just for security either, it's for hail damage protection also.

[Rolls]

How exactly would they prove that however.

[evil_weevil]

How?

Investigators dude....

seriously - whats the point in lying?

ok, you pay for insurance saying its "garaged" but whats the point, claim time, you lied, fatone, claim declined.

so you have paid for nothing.

simple - dont lie.

[Rolls]

I wasn't saying lie I'm genuinely curious, has anyone actually ever heard of them doing periodic checks to see if the car in question is parked on the street. If it was stolen how would they know if it was on the street or not, its now gone so its your word against their word, come pay out time unless they had proof it wouldn't stand up in court and they would have to pay out. Does that mean if its parked out on the street while you are cleaning out your garage its not covered? Its just a general thing to gauge how likely it is to get pinched, I doubt its written in the contract that it must under all circumstances be stored in the garage every single night or your insurance is void.

Edited March 19, 2007 by Rolls

[ob1]

I doubt its written in the contract that it must under all circumstances be stored in the garage every single night or your insurance is void.

One contract i read, but didnt end up agreeing to said the car must be parked in the garage EVERY night unless it was more than 200m from the registered address i.e. you could go out or to a mates place all night, just not leave it behind your own house.

[gts25t4door]

It also says unless in writing. So I would chat to them about it and get it in writing. They seem pretty reasonable.

[Xizor]

Guys anyone know who i can go with when i semi regularly park my line at train stations and friends houses when i go to work? Only insurance companies that seem to be willing to insure me are Just Cars and Young and Cool. $1800 just cars but $2.8k excesses.... young and cool 2.2k premium and 500-1k excess...

Ryno and Vigil would insure me for around $1400 premium and $500 excess if i didnt park it in public during the day. I mean im damn carefull about where i do park it so it has maximum safety and doesnt draw attention. dammit. Anyone??

Edited March 22, 2007 by Xizor

[ScorpR32]

Mate you are always gunna struggle with insurance especially if you park your line in a public carpark or on the street. These cars are considered a high risk car for both theft and accidents; therefore this is reflected in both the premiums and excesses. I doubt anyone else will touch you to be honest

[Xizor]

Looks like i will have to go with Young and Cool, 2.2k premium, about $400 more than justcars are quoting me to renew my policy, but much lower excess should something bad happen. Bugger.

Does anyone know much about young and cool? They have a good rep?

[GTshortie]

Woohoo!.. Just did some shopping around for my CTP Greenslip previously was $550-$600 for the renewal with NRMA.

This year at the age of 25

Just got it in the mail after getting a quote over the phone on the weekend

AAMI Premium $251.23

GST: $25.12

MCIS Levies $82.65

TOTAL: $359

[evil_weevil]

ah sweet,

Im 25 now, so thats a great thing to look forward - a cheap greenslip!!!

Xizor - unfort if thats the main use forthe car - justcars or young and cool will be the only two options.