Need Insurance? Want Cheaper Insurance?

[Xizor]

whats the reputation like for young and cool??

[sl33py]

25yo max no claims 97 R33 GTST here. Torque don't insure under 30yo's. Famous have apparently all been busy 'on the phone' the past 3 hours. Suncorp are well presented (on the phone) and appear to include a lot of options, but they DON'T do agreed value, only market. And I don't think I'd like to be paid 12700 (redbook for a PERFECT car) compared to my current JCI which is for 22500 agreed (already less than it's actually worth to me). I pay 1900/year, but for agreed value of nearly 10k more than market, I think it's worth it to me!

[Xizor]

Decide to alter the usage habbits of my car a bit and signed up with Ryno Insurance. $1450 comprehensive for modded R33 S2. $22,200 agreed value. Better than just cars renewal offer in every way and they are easier to talk too on the phone too.

[a20089]

Ryno sounds great but has anyone here claimed from them?

[R.C]

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

Read below - this post stuffed up halfway through...

Edited April 4, 2007 by R.C

[R.C]

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

had a similar problem with Just Cars recently, they increased every excess and added in a theft excess as well as dropping agreed value, so I did some shopping:-

Vehicle Details - 1996 R33 SII, only mods to suspension.

Just Cars

Premium $1011

Excess (basic) $500

+Age exc. $600

+Vehicle ex. $1000

+Theft ex. $400

Agreed value $18,000

Shannons

Premium $1400 (approx - can't find the paperwork)

Excess (basic) $500

+Age exc. $400

+Vehicle ex. $0

+Theft ex. $0

Agreed value $18,000

Famous

Premium $1498

Excess (basic) $750

+Age exc. $400

+Vehicle ex. $0

+Theft ex. $0

Agreed value $??

Vigil

Premium $1125

Excess (basic) $500

+Age exc. $500

+Vehicle ex. $0

+Theft ex. $0

Agreed value $20,000

GIO Customs

Premium $2791.14

Excess (basic) $600

+Age exc. $400

+Vehicle ex. $400

+Theft ex. $0

Agreed value $15,800

All quotes for 23yo male driver with no previous claims, no driving restrictions, no traffic violations etc and rating 1 living in Melbourne inner east.

Both Shannons and Famous would not insure without keeping the car in a locked garage overnight. Vigil's only restriction is that it is not parked on the street overnight on a regular basis.

Hope this helps other people with their insurance shopping!.

Cheers,

Rene

Edited April 4, 2007 by R.C

[evil_weevil]

Good research Rene!

[BillyMako]

Got a quote from Vigil.

age 24

agreed value $15,000

r33 GTS turbo, manual

$758.30 total per year or $203.32 quarterly payments

Can't get much better than that!

[Rolls]

Gotta love being 20 and having basically zero choice with insurance. Looks like its third party for another few years.

Edited April 12, 2007 by Rolls

[phatlavish]

I just rang vigil for a quote on comprehensive insurance for my 32 GTST and they said they no longer insure under 25s for that type of vehicle, what the hell?

[RBwhatever]

I just rang vigil for a quote on comprehensive insurance for my 32 GTST and they said they no longer insure under 25s for that type of vehicle, what the hell?

Yeah, you'll get that with a lot of insurance companys.

Anyways I got mine insured with Just Car insurance last year when I was 19. And at the time no-one else would insure me because of my choice of car.

After a couple of mods they bumped my premium up to $1730 with an excess of $1500 on a Rating 4.

Just in last few weeks/months I've put the pineapples, sway bars, intercooler and pod on, and they left my premium as is but bumped my excess up to $2500.

They have just sent their renewal to me.

So this is what I've got and what they've quoted me.

S1 R33 GTST

Mods & Accessories: exhaust, intercooler, boost controller, catch can(not that i need it), Pineapples, sway bars, strut brace, pod filter, Pfc, gauges & gear knob. That's all I can think of.

Age: 20

Rating 3

Premium of $1384

Excess of $2500

Theft excess of $1500

I thought it wasn't a bad price considering that they dropped it from $1730, although the excess is up there.

So what do you guys reckon?

Edited April 19, 2007 by KeyMakeR33

[evil_weevil]

well,

the XS isnt going to be a problem is it.

Simple rule of thumb - dont have an at fault crash - wont have to worry about XS

Although there are some penalty claims - hail / storm damage which the xs wouldnt be waived and would need to be paid.

[GTshortie]

Keymaker, whats the agreed value for your justcar's quote? what state/suburb are you? thats a pretty decent price

[RBwhatever]

Keymaker, whats the agreed value for your justcar's quote? what state/suburb are you? thats a pretty decent price

it was $15000. But they dropped it $14500. I'm up in FNQ, an hours north of cairns.

[RBwhatever]

Oh yeah I forgot to add, I haven't got a accident history or fine history.

[evil_weevil]

QLD - cheaper than NSW

NSW - rort state of Australia

[SS8_Gohan]

ryno won't insure you if you haven't owned a performance car before. Ie my car before my R34 was a nissan pulsar, so no go with ryno..

thought that was interesting.

$1350 with Shannons,

23, a few mods

agreed, $34k

r34 gtt, coupe, manual

pay by the month at no extra cost ftw!

[GT-R32]

QLD - cheaper than NSW

NSW - rort state of Australia

Don't worry, we here in ACT aren't too far behind. :laughing-smiley-014:

Yesss it seems rates may be tailored to economic conditions. Particularly apparent in the larger companies rates' I think, clever isn't it Certainly a way to make the most of it for themselves.

Play around with some quotes and you can see what we mean. A lot of places have online quoting systems.

[ScorpR32]

Yesss it seems rates may be tailored to economic conditions. Particularly apparent in the larger companies rates' I think, clever isn't it Certainly a way to make the most of it for themselves.

It's price to risk though. I think it would more so be a coincidence that the rates are higher in the major centres anyway as they tend to contain both the more affluent people AND the riff raff.

[evil_weevil]

It's price to risk though. I think it would more so be a coincidence that the rates are higher in the major centres anyway as they tend to contain both the more affluent people AND the riff raff.

and what about the bogans?