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Need Some Convincing Lol

Charles89

By Charles89,
in Victoria

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SS8_Gohan Grand Master

SS8_Gohan

Posted
Posted

it's a good deal Charles, i don't think i ever got that cheap with my GTT and that was with a squeaky clean record, in a non-risk area, limited km use AND locked garage, behind electric gate etc etc. So $1600, with Shannons pay by the month.... no brainer.

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Birds Grand Master

Birds

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That doesn't work too well on cars worth $5k or less^

One thing you have to consider with full comp, is that the excess is generally higher than a third party excess - so if you make a claim for fire and theft, or you come off with very little damage in an accident, you can be worse off than if you had third party.

drunkn snail Community Regular

drunkn snail

Posted
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That doesn't work too well on cars worth $5k or less^

One thing you have to consider with full comp, is that the excess is generally higher than a third party excess - so if you make a claim for fire and theft, or you come off with very little damage in an accident, you can be worse off than if you had third party.

this is my situation. i have thrid party fire and theft only because my car isnt worth enough for full comp. i paid 4000 for the car, plus 1000 getting it roadworthy so 5 grand total. justcars quoted me 2700 for full comp, which just isnt worth it in my opinion. i would end up paying the value of the car within 2 years so full comp is just not justifiable in my honest opinion

Charles89 Grand Master

Charles89

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Yeah, I'm definitely going full comp, gonna pay by the month.

Knowing that if anything happens to my car, I'll get $20,000 back is the key factor.

Because I've already had an accident in this car before, almost 2 years ago, and I had to pay an excess of $1950 just to get the other person's car fixed, so I think it's worth it.

some_cs_student Veteran

some_cs_student

Posted
Posted

Have you ever had a not-at-fault accident ? With 3rd party you and the other insurance company sort it out, and it can take time, they can try to force you to go to their choice of repairer et cetera.

I've been told legally you don't have to use their choice of repairer.

Furthermore they will make you wait until they're client's car is repaired before authorising your repairs.

Comprehensive, they take care of it for you, you get your car fixed.

Also as mentioned 3rd party fire/theft is often capped at 5K, read the fine print.

And you already know what happens with an at-fault accident :)

Borci88 Veteran

Borci88

Posted
Posted

Have you ever had a not-at-fault accident ? With 3rd party you and the other insurance company sort it out, and it can take time, they can try to force you to go to their choice of repairer et cetera.

I've been told legally you don't have to use their choice of repairer.

Furthermore they will make you wait until they're client's car is repaired before authorising your repairs.

Further on from this I had a not at fault accident at the start of the year where both cars were write-offs. Because we both disputed the other party was at fault we had to draw up diagrams and our version of events. I sent it in the night I received the papers and it took the other party more than 2 months to send it in so meanwhile I was without a car and pay-out for quite some time. Food for thought.

llama_au Grand Master

llama_au

Posted
Posted

Good to hear Charles, that's a very reasonable price from Shannons considering your age, the car and the agreed value. Definitely go for that. The peace of mind of knowing you are covered no matter what happens is great. You couldn't replace the car easily if something where to happen to it so you have one less worry on your mind. My three cars of value (all over $15k) have all had full comp insurance and I'd have it on any car worth more than $5k.

JDM34 Collaborator

JDM34

Posted
Posted

Hey guys,

I know I'll probably cop a few words from you lot, but I need some convincing about switching to full comp insurance lol.

I'm currently on 3rd party, fire & theft with Just Car paying $500 a year with a $2000 excess. But been thinking about switching to Shannons' full comp due to heaps of Skylines being stole lately lol.

Shannons quoted me $1670 a year with a $900 excess for full comp, which works out to $140 a month with a $20,000 agreed value..

Which one should I choose?.. >_<

With Shannons, you have to be over 25 to get insurance with them. However, a little irrelevant since my car isn't a GT-T but I'm paying $1700 p/a on an agreed value of $13000 for my 2D R34 GT with NRMA and I'm 19, still on my P2 License with an $800 excess. If I forked out quite a buck for a GT-T (which I bet you did + all the stuff you've probably done to it :P), I would definitely go for full comprehensive insurance, unless the car was just sitting in the garage all the time and hardly ever got driven.

I don't want to come off as patronizing either, but full comprehensive is a must for any import since Skylines are a perfect target for theft, unless it's a POS you paid <$5000 for.

Cheers.

Charles89 Grand Master

Charles89

Posted
  • Author
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With Shannons, you have to be over 25 to get insurance with them. However, a little irrelevant since my car isn't a GT-T but I'm paying $1700 p/a on an agreed value of $13000 for my 2D R34 GT with NRMA and I'm 19, still on my P2 License with an $800 excess. If I forked out quite a buck for a GT-T (which I bet you did + all the stuff you've probably done to it :P), I would definitely go for full comprehensive insurance, unless the car was just sitting in the garage all the time and hardly ever got driven.

I don't want to come off as patronizing either, but full comprehensive is a must for any import since Skylines are a perfect target for theft, unless it's a POS you paid <$5000 for.

Cheers.

No you don't :P I'm 21 and I got a quote from em ;)

@ Juliette - I'm 100% on going Shannons, just a matter of time before I call up Just Car and tell them they are shit and that I want a refund of 4 weeks of my premium LOL.

On a side note... To anyone else that's thinking to go with Shannons. Initially, the quote they gave me was $1669 for an agreed value of $18,000. Then I thought about it and wanted to raise the agreed value a little more, so I called up and asked to put it up a bit more and I told them I don't mind paying more in premium.

So the guy asked me how much money and stuff I've put into it, I told him, then he went to ask his colleage that's into Skylines, and he said, "look, we can make it $20,000 for you, but can't go above that", then I asked, so how much more would I have to pay? And he got back to me with "oh, I just put down $20,000 and your premium is still $1669". And I was just like :glare:

So pretty much, if I didn't ask for higher agreed value, they woulda given me $18,000 for the same premium that I'm paying.... :glare:

SS8_Gohan Grand Master

SS8_Gohan

Posted
Posted

they use to be fairly strict on that. back when i first got my GT-T and insured it with Shannons i was 21 (maybe even 20, not sure) and they said the only reason they were willing to insure me was because i was a member of a CAMS affiliated car club and that normally they don't go that young. But it definitely seems to have relaxed over the years, perhaps they just don't like to advertise this though...

blah_blah Grand Master

blah_blah

Posted
Posted

I'm paying about $750 p.a for Full Comprehensive with Just cars. I'm 26 with an agreed MV of about 18K. Can't remember what my excess is.

When I first got my car at 22 the insurance was about $1,200.

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