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Just Car Insurance

hanyou

By hanyou,
in New South Wales

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evil_weevil Grand Master

evil_weevil

Posted
Posted

sivak - I can undterstand what your saying mate - its like gamlbing - its a risk people take!

myself - I just dont trust half of sydney drivers - cept those guys who you pull up next to a set of lights at the blue gum pub :happy:

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D_I_F Grand Master

D_I_F

Posted
Posted
Some very expensive insurance floating around so it seems...

I'm paying $1800 a year with Famous and the car is insure for $45k...

How did you get that.. mines under market value and they said i would need someone to have it valued to have it under and agreed value.. >.<

D_I_F Grand Master

D_I_F

Posted
Posted
valued to be on market value?

how does that work??

I guess with imports its a different kettle of fish

I know but if Stan has his on agreed value and with the same company as i am WHY ISNT MINE YOU KENTS!

satanic Grand Master

satanic

Posted
Posted

I knew it would cause some commotion so here it is...

Originally had the car insured with JustCars for $28k + mods when I was 19, they charged me $2500 for that year. I had a crystal clear driving record and was on the absolute maximum NCB. A very very sweet phone call with one of the JCI reps also made my deal a bit sweeter too.

Come renewal time, I was short on cash and did not want to pay the $1800 that JCI wanted for the new premium - I also took this oppurtunity to declare all my new modifications.

I shopped around and found Famous - told them I heard they were great, had a few friends with them (this is for real), held a CAMS licence, part of a CAMS club, taken a few driving courses, had an alarm, lived in a suburb with 0% crime, garaged the car, etc etc. Most importantly I told them I was making a decision between them and JCI :happy:

The took the bait... awesome deal - paid there and then over the phone. Rep was really helpful too, but I did have to call back 2 weeks later to ensure my modifications were on pen and paper though.

Beer Baron Grand Master

Beer Baron

Posted
Posted

here is a big tip for you all. stop comparing your insurance quote to the guy next to you. it's completely irrelevant. so many factors go into them determining your premium and excess so just accept that some people pay less than you, and it may not seem fair. focus on what YOU are paying and ring around and get some quotes. that's the only way to do it.

wilch Grand Master

wilch

Posted
Posted
here is a big tip for you all. stop comparing your insurance quote to the guy next to you. it's completely irrelevant. so many factors go into them determining your premium and excess so just accept that some people pay less than you, and it may not seem fair. focus on what YOU are paying and ring around and get some quotes. that's the only way to do it.

This is very true. I once got a quote and gave them the wrong postcode (one suburb over -> less than 2mins drive), difference was $800....

silver gts-t Grand Master

silver gts-t

Posted
Posted

i had an accident history and within 3 years and i was getting quotes of $3500, just over the past few months the 3 years passed. i called Famous and JCI and they both only wanted $1500, goes to show...

only difference between the 2 was famous would insure it for more.

SL33KY Community Regular

SL33KY

Posted
Posted

I am a 19 year old and am with Just Car Insurance. I tried Young and Cool, Shannons and NRMA and they would not even look at insuring me. I only pay $2800 a year for insurance so I have to say Just Car is the way! :laugh:

SL33KY Community Regular

SL33KY

Posted
Posted (edited)

I am only new on here... Can someone tell me how to change the engine type that comes up when I post? I have an RB25 motor in my car not the RB20E that automatically comes up. :laugh:

Edited by SL33KY
evil_weevil Grand Master

evil_weevil

Posted
Posted
here is a big tip for you all. stop comparing your insurance quote to the guy next to you. it's completely irrelevant. so many factors go into them determining your premium and excess so just accept that some people pay less than you, and it may not seem fair. focus on what YOU are paying and ring around and get some quotes. that's the only way to do it.

ah mate, Im not worried - I know ive got a great deal - I was just trying to give advice and discuss stuff :laugh:

the risk determins everything - I know that :P

Sl!m Grand Master

Sl!m

Posted
Posted
I am only new on here... Can someone tell me how to change the engine type that comes up when I post? I have an RB25 motor in my car not the RB20E that automatically comes up. :laugh:

the engine type is associated with the amount of posts you have, the more you make the better your engine will be. you can also go to your control panel and change your member titles to whatever you want

satanic Grand Master

satanic

Posted
Posted

My only question is; do the insurance companies gauge "traffic" offences as ALL offences that carry a demerit point? Or are they only interested in stuff like negligent driving, speeding, recklessness etc?

hanyou Grand Master

hanyou

Posted
  • Author
Posted
here is a big tip for you all. stop comparing your insurance quote to the guy next to you. it's completely irrelevant. so many factors go into them determining your premium and excess so just accept that some people pay less than you, and it may not seem fair. focus on what YOU are paying and ring around and get some quotes. that's the only way to do it.

good point beer baron intiially the thread was about IF i could pursue my lower quote amount since they gave me one (and i do assume by law if you are quoted for it, they have to live up to their side). i guess this thread went abit off topic hahaha

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