What's your insurance excess?

[P1E]

I put a comprehensive insurance quote request through to Just Cars last night and received a response a couple of minutes ago. It sounded pretty good at first -- only $1600. But when I read it closer:

1. The quote is based on an amount $5000 less than the replacement value of the car.

2. The stereo is not covered at all.

3. The excess totals $4000.

Is this normal? What are the rest of you paying excess wise?

If this has been discussed in one of the fifty page insurance threads, feel free to ban me from the forum indefinitely.

[T0nyGTSt]

$4,000 excess???

LOL x infinity - are you kidding?

Heaven forbid if you are under 25 or have a less than stellar record.

T.

[P1E]

I am a Rating 2 driver, with one speeding infringement against my name (from 2001). The car is a mildly modified R33 GTS-25t.

Just Cars are inconsistent though. I could probably put the same quote through again and it would come back with an excess of $500.

:confused:

[2BNVS]

i got a full comprehensive quote of $5163 in the excess part it has $$$ for this, excess of $$$ for that and it was like 4700...

since being 19 (almost 20) its not bad since most places like nrma just laugh at my attempt lol...

ben...

[agentJ]

My comprehenive for 96 GTST series 2 is $1300 excess and $925 premium from Just Cars. I'm 26 and was rating 1 before i bought my car, and thats on the full agreed value of the car