Insurance Opinions Needed

[kvnz88]

Hey guys just wanted some opinions on comprehensive insurance. Basically I've narrowed it down to RACV and JustCar, each have their pros and cons.

RACV ($1831) complete care

Pros:

• Glass and windscreen cover with no excess
• Car hire after accident/theft
• Vehicle pickup and return

Cons:

• High excess $2600
• low agreed value $16380

JustCar ($1994/$625 excess or $1851/$825 excess)

Pros:

• Higher agreed value $19250
• lower excess

Cons:

• No glass and windscreen cover
• No car hire?

The question is which one would you go for? I'm leaning towards RACV more at the moment but the high excess is giving me second thoughts. As for JustCar, from my previous experience with them, they tend to lower the agreed value each renewal significantly so the value will probably be the same as RACV the next year or so. I'm 26 y/o Rating 1.

[GTR-N1]

I'd go for Just Car ($1851/825) based on those figures.

Each year, you shop around and several companies will negotiate (through a supervisor).

Have you also tried Lumleys SV and Shannon's?

[Lakes101]

Try Enthusiast mate I am with them and pay $890 pa.

[sonicii]

Ouch.. I'm with NRMA and pay less than half those figures with a $600 excess.

[GTR-N1]

Try Enthusiast mate I am with them and pay $890 pa.

Tell us more about "Enthusiast"

Who's the underwriter?

Thanks in advance.

[Lakes101]

Enthusiast is an underwriter they are a WA based insurance group pm me your email I'll forward you the info

[Lakes101]

Sorry Queensland based mate

[Lakes101]

Enthusiast underwriting. Peter Morgan 07 3351 0520

[Nismo 3.2ish]

I did not know that the NRMA insured imports ?

Might be wrong but I think I tried to insure my 350GT Skyline 8 years ago and they were not interested.

AAMI was the same and I had 2 cars with them at the time, if I remember correctly , Just Cars is an AAMI company and the bloke I was talking to gave me their info.

I tried Shannon's and they were much more expensive.

Going to try some of the others when the insurance is due.

[_thom_]

I'm with Lumley SV & consider their pricing very reasonable for enthusiasts. It really depends on your criteria and what you want from your policy. I'm more concerned about having my choice of repairer and salvage rights.

You can find threads on here every year with various price ranges people pay. We all have different criteria though, so they are kind of pointless.

As others have said, pay attention to who the underwriter is and what's included in the policy. They're not all the same.

[GTR-N1]

Peter, if your BNR34 was built in '99, you even qualify for NRMA Vintage Veteran and Classic which can insure for an appropriate Sum Insured at very low premium so long as you don't drive it any more than 9000Kms per yr and the car is well secured. Yes the car needs to be at least 15 yrs old.

Check out the thread by Walkou in General Automotive!

[Nismo 3.2ish]

Thanks for that Terry, I will look into that next time

Mine was about $1900 for $45000 with a $625 excess with Just Cars

[GTR_JOEY]

Id go just car, I use them for all my cars and when I had a prang with my commodore they didn't give me any hassles when it came to covering the Lexus I hit.

It was only 3rd party so my car was a write off but they were good regardless.

[Nismo 3.2ish]

Yeah they have a pretty good reputation from what I found out 8 years ago, hope they are just as good now

[GTR_JOEY]

Something I should have already looked at but if you write your car off and you have full comprehensive insurance.. Do they let you keep your wreck after they pay you out?

[sonicii]

I did not know that the NRMA insured imports ?

Might be wrong but I think I tried to insure my 350GT Skyline 8 years ago and they were not interested.

I've had mine insured with NRMA since I bought it 3.5 years ago. Most common insures won't though. you have more luck with a V36, even suncorp will insure them.

[Nismo 3.2ish]

I've had mine insured with NRMA since I bought it 3.5 years ago. Most common insures won't though. you have more luck with a V36, even suncorp will insure them.

maybe because I put a twin turbo kit on it ??

[Nismo 3.2ish]

Something I should have already looked at but if you write your car off and you have full comprehensive insurance.. Do they let you keep your wreck after they pay you out?

I am going to find out on Monday if I get to keep the leftovers if something bad happens .

Most of the good shit will still be OK and can wack it into another R and save a shitload of $$$$$s on all of the mods for a new build

[GTR_JOEY]

And that's why i asked haha

[Nismo 3.2ish]

I never thought much about it, I would make them an offer if it was not in the policy, cannot find mine and have sent them an email asking for a copy.