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Need Insurance? Want Cheaper Insurance?

two40

By two40,
in General Automotive Discussion

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sl33py Mentor

sl33py

Posted
Posted

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 Mentor

Xizor

Posted
Posted

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.

R.C Enthusiast

R.C

Posted
Posted (edited)
  morgsj50 said:
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 by R.C
R.C Enthusiast

R.C

Posted
Posted (edited)
  morgsj50 said:
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 by R.C
RBwhatever Veteran

RBwhatever

Posted
Posted (edited)
  phatlavish said:
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 by KeyMakeR33
evil_weevil Grand Master

evil_weevil

Posted
Posted

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.

SS8_Gohan Grand Master

SS8_Gohan

Posted
Posted

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 Grand Master

GT-R32

Posted
Posted
  evil_weevil said:
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 :P 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 Enthusiast

ScorpR32

Posted
Posted
  GT-R32 said:
Yesss it seems rates may be tailored to economic conditions. Particularly apparent in the larger companies rates' I think, clever isn't it :P 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 Grand Master

evil_weevil

Posted
Posted
  ScorpR32 said:
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? :thumbsup:

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