Anyone Had Trouble With Just Car Insurance?

[Hillzy]

Shannons do insure under 25's mate and they give you a choice of paying it by the month!

Ah I didn't realise that. A fellow SAUer said that when he approached Shannons they labeled all under 25's "hoons and not car enthusiasts" and was refused insurance.

Might have to assess my insurance options.

[Krishy]

If you be nice to them mate i am sure that you will get a lot of answers and proper ones of that too mate......i got denied the first time but when i spoke to the supervisor they let me have a policy with them!

[Dohmar]

If you be nice to them mate i am sure that you will get a lot of answers and proper ones of that too mate......i got denied the first time but when i spoke to the supervisor they let me have a policy with them!

Just got a quote from Shannons for the GTR. Agreed value $25k... they want $1785 a year. As opposed to Justcar who want $1585 (for $21k max >).... difference being Shannons are ok with mods, will payout on sound systems up to $3k, and most importantly, choice of repairer. I told them about my speeding tickets, and they didnt refuse me a policy offer. I'm 29 this month so age is probably a key. Going to shannons tomorrow for the inspection cause I'd like to put it past $25k due to the amount of shizzl i've spent on it. not counting consumables. ;P

Either way, they seemed rather nonplussed about my speeding fines and the fact I've got some minor mods and intend to do more..

I like the monthly payment option. Sure beats putting $1.7k on the plastic

-D

Edited May 16, 2008 by Dohmar

[SLED]

Just got a quote from Shannons for the GTR. Agreed value $25k... they want $1785 a year. As opposed to Justcar who want $1585 (for $21k max >).... difference being Shannons are ok with mods, will payout on sound systems up to $3k, and most importantly, choice of repairer. I told them about my speeding tickets, and they didnt refuse me a policy offer. I'm 29 this month so age is probably a key. Going to shannons tomorrow for the inspection cause I'd like to put it past $25k due to the amount of shizzl i've spent on it. not counting consumables. ;P

Either way, they seemed rather nonplussed about my speeding fines and the fact I've got some minor mods and intend to do more..

I like the monthly payment option. Sure beats putting $1.7k on the plastic

-D

Hey Ben, something doesn't sound right there buddy. I've got mine insured with Shannons for almost 3 times that amount and only paying approx $1300 a year?!

Are you on a Rating 1?

I wonder if its because I also have the bike insured with them?

[mid life crisis]

you get discount if you have a 2nd policey with them . i have my skyline and my dailey with them saves 10%i think get even a better deal if you put your house insurence with them as well .

pity they dont do boats as well

Edited May 16, 2008 by mid life crisis

[Madaz]

Ben do you have a lock up car port because Shannon's didn't want to know me because i just have a drive way

so i went with Famous which was better than JC

[Dohmar]

Ben do you have a lock up car port because Shannon's didn't want to know me because i just have a drive way

so i went with Famous which was better than JC

Yeah lockup carport, alarm/immob, all that stuff. I'm rating one, but im 29 (as opposed to Mr Sled who is a good 12 months older than me ) Also have a couple of speeding tickets and no second policy, and the cars put down as a daily driver and not a weekender...

-D

[Madaz]

yeah im rating 1 also alledgely for life but yeah no lock up driveway had alarm and all other requirments

[SLED]

Yeah lockup carport, alarm/immob, all that stuff. I'm rating one, but im 29 (as opposed to Mr Sled who is a good 12 months older than me ) Also have a couple of speeding tickets and no second policy, and the cars put down as a daily driver and not a weekender...

-D

Hmm, cough, hmm......I think you left out the '0' after the '12' but thanks anyway Ben

[KISIN]

Shannons do insure under 25's mate and they give you a choice of paying it by the month!

Ah I didn't realise that. A fellow SAUer said that when he approached Shannons they labeled all under 25's "hoons and not car enthusiasts" and was refused insurance.

Might have to assess my insurance options.

A few years ago, i called up Shannons and they told me to call back in a few years...i was 18 then. Not sure what it would be like now that im over 21...but i got the impression they only do over 25's as well.

[Carbon 34]

Ive got "just cars" but im changing to lumleys because they insure for true value of the mods and car no limits to the cars value. unlike just cars who wont insure the r34 gtt for more then 30k. and hold your comments,lol i only pay 1100 a year...rating 1 with low deductables.

just remember every change you make to your car needs appoval or it wont be covered at all. and yes i too have talked to the guy who knows everything about jap imports at just cars, really good....... even lumleys has a guy like that... really knows the exact value of every part for jap cars.

i dont think lumleys insure anyone under 25 sorry mates

[CRoNic...]

Just got a quote from Shannons for the GTR. Agreed value $25k... they want $1785 a year. As opposed to Justcar who want $1585 (for $21k max >).... difference being Shannons are ok with mods, will payout on sound systems up to $3k, and most importantly, choice of repairer. I told them about my speeding tickets, and they didnt refuse me a policy offer. I'm 29 this month so age is probably a key. Going to shannons tomorrow for the inspection cause I'd like to put it past $25k due to the amount of shizzl i've spent on it. not counting consumables. ;P

Either way, they seemed rather nonplussed about my speeding fines and the fact I've got some minor mods and intend to do more..

I like the monthly payment option. Sure beats putting $1.7k on the plastic

-D

Just Cars only offered you 21k max for your GTR?

I'm 21, insured my 94 GTR and Just Cars offered to cover it at $22k - and that's just with twin pod filters and exhaust modifications.

[GTR1993]

After getting rear ended around a month ago I called up my insurer Just Cars thinking they'd claim on my behalf. How wrong was I?!

They said because I only have 3rd party with them it's up to me to solve my problems even though it wasn't my fault and even though I pay over $500 just for 3rd party!!

Stuff Just Cars I say but it's the only place that will insure me.

Oh and before I start the huge debate on "if you can't afford insurance, you can't afford the car", I can afford to pay $2500 a year but I refuse to give into these vampires

mate this is the same will all insurers, thats why you always read all the documentation that comes with the insurance so you know what you are getting.

[PREISS]

Im not sure why your worrying about the cooler and wheels. if you got a 18000 payout im sure youll find a nice car with what you want.

Also. when I was younger I was refused insurance frmo shannons. now im 25 im thinking of changing to them.

[Dohmar]

Just Cars only offered you 21k max for your GTR?

I'm 21, insured my 94 GTR and Just Cars offered to cover it at $22k - and that's just with twin pod filters and exhaust modifications.

Yeah thats right. and thats why I changed to shannons....

Currently insured at $25k but I'll be getting them to inspect it sometime to negotiate a $30k policy

its turned out cheaper than I was quoted, ended up being $1500 odd for a year and when I get my diff cams licences they'll knock a bit off too...

Justcar are very stingy

-D

[Stol]

Im not sure why your worrying about the cooler and wheels. if you got a 18000 payout im sure youll find a nice car with what you want.

Also. when I was younger I was refused insurance frmo shannons. now im 25 im thinking of changing to them.

The point was that it was agreed to be worth more and just-car didn't come through. Also if you look at the dates on the posts you would notice this thread is old. Cam got a new car months ago..

[chops]

Your policy will quite clearly state whether it is an agreed or market value policy.

Also, check the value at renewal time - they have a habit of changing values while the rest of the policy looks similar.

It should also state what accessories or modifications are covered by the policy, and under what circumstances they will cover them.

You may need the PDS (policy disclosure statement) for the terms of when the accesories will be covered however.

Insurance policies are boring as hell to read, but it is very important to understand them, with the price of cover being as high as it is.

Edited October 7, 2008 by chops

[Ionos]

Had a phone call today saying that the $18,550 is in the mail, in two seperate cheques coz they already sent one before they reviewed his letter showing that he claimed responsability so i guess that is a plus. But they will definitely not pay me for rims and intercooler, the only thing they offer, is things that are insured like that only get replaced or paid for if they are stolen or the car isnt written off and they get repaired. Im in the process of looking through all my records to see that their agreed value is right, im almost certain its worth more than the added "$500" she told me over the phone.

Glad to hear you got it sorted out. You have to remember that even though you might insure items individually, the total amount you are paid out will not exceed the "agreed value". If you add modifications and want the agreed value to go up, you have to specifically renegociate this.

I wouldn't worry about it too much, $18500 for a Series 2 GTS-T is very good. Take a look on the For Sale forums, I'd doubt you could get that much selling it privately.

[Krishy]

time for a 32 GTR then aye R33PER????

[Lil Miss 32]

Well I hope everything gets sorted out! (:

Ive been with H2P since I was on my L's with a turbo car, atm being 17 with a turbo car I pay $950 full comp and you can pay yearly or monthly!

Edited October 7, 2008 by Lil Miss 32