R34 Insurance

[BlackTemplar]

Not sure if this is the right section, but does anyone know which is the better insurer

I got quotes off NRMA (whose "market value" was half of what rebook is and more than half of what I am paying) so they are out

Just Car valuing it at purchase price and will cost $1,894 and covers mods

Lumleys insurance at purchase price as well for $903 and covers mods

Just wondering if there is something Im missing for Lumleys. I guess it seems too good to be true so I want to make sure there isn't a reason to avoid Lumleys.

[mad082]

check what the excess is in the event of a crash. some companies will have lower premiums, but if you crash you pay a large excess.

[zebra]

if you are over 25 give Shannons a call

[BlackTemplar]

I think Lumleys excess was 600 and just car was 800. but i dont really look at excess much, Im more interested in things they cover and dont cover, but I asked a few questions of the chick at Lumleys and everything seemed covered

[GTR-N1]

Lumleys SV and Shannon's give you a choice of repairer. Whereas Just Car will only give you a choice if it's the cheapest quote.

Lumleys is chasing market share at the moment, so quite a few people are making hay while the sun shines.

[BlackTemplar]

Thanks guys, just wanted to make sure I wasn't missing something

[GTR-N1]

On their PDS, Lumleys SV will also cover any window breakage (eg rear quarter/side/rear) without penalty, whereas Just Car will only cover the front windscreen. Mouldings are extra tho'

PDS tells all and Shannon's is pretty good too BTW.

Just Car is often the only insurance company accessible to younger drivers. I wish there was more competition out there to reduce their premiums - sigh

[Marcus89]

Does lumley SV insure skylines? I was looking at the site seems their only interested in classics or limited run cars?

[GTR-34A]

Lumleys will agree to cover modifications, but will only pay when the time comes if they are legal! So be very careful there, car needs to be engineered etc. or ADR compliant

[jukic.j]

By this do you mean for example car is totalled and you have illegal coilovers they won't cover the coilovers but will the rest of the car or they outright simply won't payout anything at all. Also what is your source?

[xntrq]

By this do you mean for example car is totalled and you have illegal coilovers they won't cover the coilovers but will the rest of the car or they outright simply won't payout anything at all. Also what is your source?

I'd like to know this as well. But from logic and a fairness point of view, I'd imagine they wouldn't cover you IF the illegal part was the cause or a contribution of the accident, which I think is somewhat fair.