Insurance Companies Are Retarded

[NickR33]

So I rang Shannons to tell them I had moved address and that the car would be stored in a secure underground car park (of which there are only 7 apartments, we're not talking a high rise)... it requires a buzzer to get in and out of and has no manual override... there is a fire exit of course but good luck getting the car up the stairs... it was previously insured in a garage in South Caulfield (a garage that had no lock on the door, could be opened by anyone)...

so they tell me because its not in a 'garage' they can no longer insure it... its not exactly the ghetto, we're talking about Brighton and it sits next to a Porsche Cayenne FFS! Mine would hardly be the first port of call for a theif!

I can't understand this logic... clearly they don't want my 1.5K a year then... things must be really good over there

So my question is who else should I call? I have been insured with Just Cars previously and they were alright but keen to try someone who actually wants my business

Cheers guys

[blind_elk]

Call them again, ask to speak to one of the managers. Plebs can't override what the computer says, managers can.

[(OO)SKYLINE(OO)]

Just Cars do a good job, I'm with them atm.

Unless you had a bad experiance with them... Stick to Shannons and make sure to speak to someone at a higher rank or manager and see how you go.

[adznight]

Yeah I'd take it further mate, take a photo of it sitting next to the Porsche and send it to them

[R31Nismoid]

Ive got the same issue Nick.

You cant get in/out of my place without a buzzer - but not can do as it doesnt have 4 walls and a door around my actual car...

I went a bit crazy @ the chick after she told me because i said that type of policy is retarded...

Think about how much of Australia is turning into high/medium density living like this with shared parking and so on and they have a dumb policy like this...

Greg - did you actually get around it or not by talking to a manager?

[Al]

My mate (Malcolm) had the same issue, with his XA Coupe; secure parking with cameras, etc, parked between other expensive cars etc, yet Shannons said no.

So now he is with LSV: 1300 369 769

Tell them you have been with Shannons, etc.

[joeyjoejoejuniorshabadoo]

pfft... just tell them you have it in a garage

[NickR33]

the guy did put me on hold and go and ask someone I assume was his manager... but maybe he was just picking his nose... I could just tell them its in a garage but if something does happen to it its going to be pretty hard to make a claim, would prefer to not be hiding anything

I'll give LSV a call cheers Al

[saff_cossie]

I had a similar issue, same scenario. I have 2 remote gates but sits in a basement with about 10 other cars. I was insured with Shannons.

Also, technically, it is a locked garage (just houses multiple cars). They will do it and they also did my g/f's mini which lived on the street. I think it depends who you speak to.

[NickR33]

hmm yeah might be worth another call hey... I'll call again tomorrow and see if I can't speak to someone else... otherwise stuff 'em I'll go elsewhere

[Ruffels]

its a locked garage... simple as that

they as you to keep it in a locked garage. and thats where it is..

no need to tell them of a change in sleeping arangement.. only for the change in address as far as im concerned, although you may have shot yourself in the foot by ringing and informing them!

[R31Nismoid]

They have a definition of a locked garage, and as soon as other cars come into it, that have access etc, is where they get ansty

I mean telling them its a garage is good and well... but if it comes to the crunch and they don't come good on a payout then that kinda really isnt in your favour

[NickR33]

I just told them I moved... they asked where the car was going to be... I said secure underground car park... I guess I should have said garage.../fail

then again as Ash says I really would be upset if something happened to it and the refused to pay out due to a confusion over the meaning of the word garage

I just reckon its silly... I'm rating 1, never made a claim in 10 years of driving... bah

[llama_au]

Try again with someone else. It's because your car has two doors My four door R34 GT-T isn't considered a sports car, neither is my turbo Pulsar which is the only reason I'm offered insurance on mine through Shannons without a garage.

[BeEnAr]

LUmley Special Vehicles (LSV) FTW!! Shannon's wouldn't touch me because I am in western suburbs, car in carport, no front fence or gate, parked in city in multi storey "park safe" they straight up said Nope.

I called LSV and they said yep sure no probs, Insured as a 32 VSpec II so they will up the cover each year to reflect the value of the car. I am very happy with them. They also don't care that it not in the city anymore during day and is also sometimes street parked while at work! Bonus number 2 is they are cheaper than Shannons.

All they ask is pretty much same as Shannon's etc, ADR approved alarm and 3 point immobiliser.

I didn't bother with Just Cars either as they only give 10k back for an import if it is stolen and not recovered no matter what you are insured for! FAIL!!!

PS - No I don't work for LSV or know anyone who does hahaha

Edited to Say - LSV also give you Full Salvage rights for $100 = BONUS!

Edited February 20, 2009 by Dirk Diggler

[joeyjoejoejuniorshabadoo]

yeah, i'm in the process of changing to LSV from shannons ATM... $500 a year cheaper... same value, salvage righte etc

[bombtrack]

This is a little strange. Shannon's insured my car in a shared underground car park (and I'm talking shared with almost 100 cars, maybe more) in Port Melbourne for 2 years. Is this a new policy?

[blind_elk]

Mine is actually only "parked off street" (no room in the garage ATM lol). Shannons say ok. I'm also doing it under my NDSOC membership - don't know if that makes a difference.

You have to ask to talk to the manager, not just have the pleb "I'll talk to my manager"

[Phatboy]

I didn't bother with Just Cars either as they only give 10k back for an import if it is stolen and not recovered no matter what you are insured for! FAIL!!!

WTF.... no way! Is this true? I gotta ring them up and find out.

[khunjeng]

i'm still freaked ur paying 1.5k with Shannons for your car. Just got my renewal form in front of me, 750 for a GTST at 25k for full comp, and Ive made a least one major claim in the last 5 years with that car.