Insurance

[Danzil]

Hey guys :wavey:

New 2 this place..& firstly wanna thank for all the useful threads so far..saved me a lotta headaches.

I've had my car 4 bout a month now and uhhh boy!!!

So i thought i'd add my useful find..especially for us younger drivers..

EBM insurance brokers.. just like everyone else i slaved for days on the phone trying to save my hard earned cash..and i think i found a pretty good deal for my age. Don't know if anyone else is insured through these guys...they ain't too bad.

Previously had 3yrs third party with RAC

Now at 20 i pay $1368 with $200 excess + a free windscreen claim a year. (YAY!)

for my '93 Gts-t.

Hope it helps (as in a perfect world we'd all be driving GTR's with $150 premiums)

Cheers

-Dan

[33Spec2]

shit thats good i pay $1900 and im 20 with a n/a

hav you lost any points?

[Danzil]

In the three years i had one demerit point

Bout 4 speeding fines in total

Give em a try...for a NA ur payin wayyyy too much! i think.

plus the 3yrs 3rd party with RAC gave me a 30% NCB

good luck

-Dan

[red17]

*cough* you tell your insurance company about your fines?

[Danzil]

Yeah..but i thought about it long and hard...

I knew i had three or four... i couldn't remember ...so i put down three with one demerit point..

Paid my premium and their not complaining..

-Dan

[red17]

Of course they wont complain. Insurance companies arent permitted to know the details of anyones driving record. You have to sign a permission form for them to get access to it.

Moral of the story, keep mouth shut unless you absolutely HAVE to tell them.

[Danzil]

too late.... fffft!!

[33Spec2]

Of course they wont complain. Insurance companies arent permitted to know the details of anyones driving record. You have to sign a permission form for them to get access to it.  

Moral of the story, keep mouth shut unless you absolutely HAVE to tell them.

interesting i neva knew that can they find out how many demerits youve lost?

[R34]

Of course they wont complain. Insurance companies arent permitted to know the details of anyones driving record. You have to sign a permission form for them to get access to it.  

Moral of the story, keep mouth shut unless you absolutely HAVE to tell them.

Thing is if you "forget" to tell them something about your driving history and then make a big claim they can AND WILL investigate and refuse your claim if you have been dishonest about something that may have affected their decision to insure you.

Think about it, if you had to shell out say $20k to someone wouldn't you try to get out of paying if it is legal to do so?

They're not dummies they're large corporations.

Honesty is the best policy

Danzil you have definitely done the right thing. You gave the full story and they have agreed to insure you.

Besides 1 point in three years is nothing to worry about.

Cheers

Chris

[Nizmo]

Yeah im the same situation Danzil went thru EBM and got CGU $1131 im 20 as well

[fane]

im 21 i pay $996 with Westfarmers Insurance and my excess is stupidly low.

Westfarmers dont even insure cars unless its attached to a home insurance policy(which i dont have), let alone and import.

Moral of the story, be mates with an insurance director.

[jmp]

1131 that's not bad

I pay $3264 for my S15, fully insured in my name (Financed the car) so I might have to give these guys a call.

[jmp]

Oh and my basic excess is a fair bit then I have $1k or so age excess

[G0DF4Th3R]

slightly off topic but not much, how much did u pay for ure 33 and with what mods?

are the mods covered?

[Nizmo]

i rang Famous before and they said $2,800K ...... i told them politely to shove it

[gtracer]

I'm 30 and paying 2 grand for my GTR with a clean record. Time to change methinks. I was paying $800 for my GTS-T.

[MrGTST]

Hmmm I feel jipped.... I am paying approx 1200 per year with RAC and I am 25 with a full no claim bonus and have only 1 demerit point lost....

edit: My car is also insured for 26500 agreed...

[zanda]

yeah. me too!

well, 24 with 40% and I pay 1300 ish. bit pricey eh!

will ring your dude next time my renewal is up..... maybe insurance for imports is actually falling.

maybe.

edit: should point out that I have an agreed value of around $24k...

[Lynx]

LOL HBF - $880 per year

then I rang suncorp....she punched in the figures and told me it would be $18721.69c per year and would I be using credit card to pay that........

I asked her to double check and she said that was a correct figure......guess some people are a little delusional about prices!

[ImPrOvIsE]

My insurance is coming up. Has someone got a contact number for these brokers. I looked up EBM insurance brokers on the web and its coming up with a web site (www.rentcover.com.au) but theres nothing there about insuring cars, only other insurance products. Is this the right company?