Just Car Insurance How Good Is It?

[910trx]

Ive been with them for 3 years now.

First year $2500

Second year $2100

Thrid year $1800

PS: i was 17 when i first got it.

Im changing off them as soon as it runs out in july as i havent had any claims so i should be able to find someone else that will insure me.

my car got broken into the other week, called them up to find out excess for a broken window and they quoted me $1950 excess. whats the point of having insureance if yoiu cant use it?

remember your insurance goes up too if you claim as you are considered a greater risk

its there if you car gets side swiped in a carpark, a tree falls on it, stolen and burnt to the ground or you run up the back of a ferrari...

not to cover broken glass or mangled door locks inless its over $1800 damege then you should claim.

if it was $900 it is best to just pay out the pocket

sux i know but you gota live with it

btw sorry to hear you got broken into - makes you feel violated and your blood boils! i know...

[THE GOD]

its preety good im with it and so far they are good.

the more u put up the excess the lower the price goes but im sure its the same with every other insurance company

[6TR]

i was with them when i was under 21.. theyre not too bad but i would never pay for full comp with them. however, theyre pretty much your only choice if you have an import.

if you drive an ADM car aami is the way to go

[Jpower]

I just recently got paid out after writing off the car. My excess was $4800 which was deducted at payout. It hurts but this is the price we pay owning a high performance import.

Even with payout I would not be able to replace the car. Won't be the same and in such a rare condition, it was a major loss.

[tommo87]

im sick of just cars, some fool in a cherokee backed into me with his towbar, got proof and everything sent the guy a letter of demand, and just cars say they cant do shit, lazy buggers.

[-hgc110-]

im with just cars for my r33 gtr III, im 22 and a rating 1. full comp $1670 but my excess is $3500........ best i keep it in 1 piece

[Grungle]

I got backed into by a land cruiser in my old 3-series a few years ago.

Just Car took the highest quote of the three (the one that replaced the bonnet because "it looked bad enough and it's a beautiful looking car") and i didn't hear another word about it. I took it in for the quotes, took it in again for the repair and a week later it was done...new bonnet, new BMW badge, reprayed front bar - they even replaced the indicator lenes that had hairline cracks where the bonnet squashed them.

I didn't pay a cent for the repair and kept my rating one.

I remain VERY impressed with Just Car, and now have the Stagea insured with them.

[Miss GTRrrrr]

Great thread.. mine policy is expect to expire soon and looking at a lot of money coz its an import.

Anyone here can recommend somewhere to get imports insured? I bought my car off my uncle and I don't think he ever insured it coz it was only driven few times on tracks.

[Bakes]

Just cars are great. I have every mod on my car listed on my policy. Agreed value and good premium if you take the 2K excess option

[Longz]

"any1 ever had problems with their insurance being void for having any defectable mods on their car. eg boost controllers, coilovers, ecus etc. even if u have informed the insurer about them."

This question has not been answered yet can anyone please confirm. defectable mods you tell justcars and they know about it but when you claim they bone u over with your car had unroardworthy defects which voids insurance etc

[CARSICK]

So long as you tell Just Car, Shannons, Famous or Guild Insurance about those mods + and so long as they aren't responsible for an 'at fault' crash, you are still covered.

Guild Insurance?

If you are part of a business, medical practice, dental practice, physiotherapy practice or pharmacy, they will cover Skylines.

And guess what?

Premium with Just Car used to be $2068 on maximum 'no claim bonus' for my R33 GT-R & insured for $27K with $600 excess.

Premium with Guild Insurance has dropped to $870 for 'agreed value' again, insured for $25K with $500 excess.

I just switched!!!

Edited March 13, 2010 by CARSICK

[CARSICK]

So long as you tell Just Car, Shannons, Famous or Guild Insurance about those mods + and so long as they aren't responsible for an 'at fault' crash, you are still covered.

Guild Insurance?

If you are part of a business, medical practice, dental practice, physiotherapy practice or pharmacy, they will cover Skylines.

And guess what?

Premium with Just Car used to be $2068 on maximum 'no claim bonus' for my R33 GT-R & insured for $27K with $600 excess.

Premium with Guild Insurance has dropped to $870 for 'agreed value' again, insured for $25K with $500 excess.

I just switched!!!

Shannons can come close, but only if you're over 30yrs old. Guild Insurance will still insure you if you're 21+

Premium with Guild Insurance is now less than half Just Car. They've only started to insure Skylines in the past couple of years.

Choice of your own repairer subject to 2X quotes - in the case of an accident.

Edited March 13, 2010 by CARSICK

[Birds]

It will only affect you if it can be proved or atleast implicated that the illegal modification was responsible or played a part in causing the accident - e.g. if you were running slicks and you lost control of your vehicle in the wet, your insurance company would have every right to tell you where to go. Really though, when I had a major side swipe accident Just Cars sent out their assessor who looked at the side of the car for 30 seconds and asked me who I wanted to get it repaired with. That was a $6000ish damage bill for the other party and about $5000 for me - scrutiny of a vehicle would only happen if it were a major, major expensive claim I think.

[Marcus89]

my completely stock r34 that i paid 17500 for and told them i paid that much is costing 1100 a year and valued at about 21k from memory. I did adjust the excess but so i have about 3/3.5k excess from memory but that doesn't bother me too much.

As i am going to mod the car checked to see what it would cost extra if i got an exhaust it's extra $47 a year which i think is fine. Best bit is i seem to be able to get as many mods as i want for that $47 bucks extra well at least the mods i want to get which are FMIC, Exhaust, CAI and ECU

[.:: GimpS-R34 ::.]

From memory your allowed 5 mods each time.. so every 5 mods the price went up.. this is what they told me when i first insured so it may have changed..

[Marcus89]

From memory your allowed 5 mods each time.. so every 5 mods the price went up.. this is what they told me when i first insured so it may have changed..

Oh fair enough well that would explain why it didn't change if i went with the items i chose not much point for me to do much else the way i see it since it's a street daily car with possibly the odd track day

[vspecIInur]

I'm with just car and my insurance is only $1600 rating one with excess of $3000 but agreed value of car is $100,000 so I think they're reasonable and besides, no one else will touch me.

[samuri]

I have Real Insurance, check them out at http://www.realinsurance.com.au. You can get a quote pretty much instantly. I have been with them for quite some time now and I have never had a problem with them.

If they are happy to take your money I am sure you wont have a problem.

How ,many claims have you had with them in total to asses their services?

[benstar]

Good read, makes me want too review my current insurance.

[KING87]

Iam also with just cars rates are not too bad but keep in mind they do not cover fibreglass or carbon fiber i.e bonnets, bumpers, skirts etc.. Even if they are listed on your policy.. (well this was the case for me)