CGU no longer insuring import cars???

[Pulp]

I was with Torque, was costing me about $726 and I'm pretty sure it was the same if I had a 2dr! I changed to Shannons cause Torque wouldn't insure for more than $1500 worth of accessory extras.

With Shannons I pay about $759 to cover about $20k.

[ric777]

$3600 a year    

Classic cars - they were the only ones who would give me insurance at the time. I got a quote from Just Car... good prices but their excess is a bitch

Far out, that's heavy

[C yar]

Sorry mate but, I have to rant here.

HBF have no idea what a quality repair is believe me I know. They don't supervise the repair at all. They send an assesor out, he screws the repairer down usually on the quality of the repair materials used, approve the claim and walk away. Good if you break an indicator lense, bad if you have major panel work and engine repairs. You might get your car back in two weeks ( I would have ) but, you'll have more bog than metal in your car and be worse off than you started with the mechanicals.

I had choice of repairer also, infact my brother worked at the shop. What they attempted to do to me they would have got away with if it wasn't for the fact that I am not the average customer. I actually have a technical understanding.

I would find it hard to believe the repair you got was with anything but second hand parts and lots of bog knowing HBF. I got mine repaired the way I wanted too , only after pointing out the legal position they were in and after an independent engineers report.

If anyone is prepared to do what I did for a claim to be propperly repaired go HBF, you will get what you pay for.

sorry to say but this is generally the cas for most insurance companies.....

that is why the have assesors and they tell the panel shops to go exchange / second hand... thats life, the best thing to do is keep an eye on your car while its being fixed, pop in from time to time and chech up on the process.

that sux about CGU. im with CGU. last year i was insured by SGIO through "MIB" brokers. upon renewal they informed me that SGIO were no longer insuring imports as CGU was underwritten by SGIO.. (or something to that effect anyway ) so now im insured by CGU (premium went up $150) do tell me im going to be changing again

[miss_petepie]

CGU no longer do (grey vehicles) imports and they have the right to decline renewal if they want too... i work for an insurance broker and our main insurer is CGU insurance. as its coming up to the renewal they have to notify you they will not renew....

sorry... Just car Insurance is pretty good... there arent alot of options in regards to import.. alot of insurers dont wanna cover us... sorry

[miss_petepie]

oh and paying $1,300 for insurance is dam good since ur a male driver under 25.. i would take it and be happy...

[EVL R33]

Tay I just renewed my insurance with CGU through a broker.. Talk to Troy Repocholi (Rep003) from here....

Cheers

Brett

[taynewguy]

OK just got off the phone with CGU directly and they assure me their current stance on the issue is that they will not insure any import vehicles.

They said if your policy slips through the cracks through a broker, then they are obligated to cover you for the term that was agreed to (in my case 12 months).

Upon renewal, they have the right to refuse the policy.

So it sounds like pot luck - depends who re-assesses your policy at CGU and how rigorously they check the details. All of which means dick to me now, coz sounds I am the bad luck case.

Oh well.....I'll try somewhere else.

[33Spec2]

$3600 a year    

Classic cars - they were the only ones who would give me insurance at the time. I got a quote from Just Car... good prices but their excess is a bitch

crap thats high

ive been with classic 4 ages and they hav been ripping me off i was paying $2500 for a non turbo im ready to change companies now seeing as im over 21 shud mean a few more companies will b willing 2 insure me hopefully plus neva had an accident

[32vspecII]

Sorry mate but, I have to rant here.

HBF have no idea what a quality repair is believe me I know. They don't supervise the repair at all. They send an assesor out, he screws the repairer down usually on the quality of the repair materials used, approve the claim and walk away. Good if you break an indicator lense, bad if you have major panel work and engine repairs. You might get your car back in two weeks ( I would have ) but, you'll have more bog than metal in your car and be worse off than you started with the mechanicals.

I had choice of repairer also, infact my brother worked at the shop. What they attempted to do to me they would have got away with if it wasn't for the fact that I am not the average customer. I actually have a technical understanding.

I would find it hard to believe the repair you got was with anything but second hand parts and lots of bog knowing HBF. I got mine repaired the way I wanted too , only after pointing out the legal position they were in and after an independent engineers report.  

If anyone is prepared to do what I did for a claim to be propperly repaired go HBF, you will get what you pay for.

believe it or not , hbf didnt even assess the car , the workshop who I know personally and can vouch for there work as a1 and have worked with them through a few different insurers , simply sent in their estimate and hbf approved the claim . the didnt even look at the car once , or notice all my undeclared mods .

as for 2nd hand parts , thats possibly true . it was a front end hit , no chassie damage , quater panels were fine , new front bar , bonnet , some minor suspension parts , new air conditioning condenser . they did reuse my nissan badge from the bonnet so its not quite a shiny as it was b4 the accident but I can live with that . Some of those parts may have been 2nd hand , but the quality is top notch and theres no bog , the panel work required was the front bar and bonnet and I saw those items arrive to be put on the car . the car looked better and drove better than before the accident .

now im not in anyway claiming if I did a 2nd claim with hbf things would be any better than what you had . but thats insurance companies .

[NO_RSPECT]

cmon guys why do you alll always do this

the question was about something different FFS

INSURANCE CONTRACTS ACT my man... seriously

they cannot refuse your insurance without giving you notice first

2 weeks prior to renewal

seriously look it up etc and they will have to give you the insurance or the broker will have to honour the policy for you depending on the type of broker.. works for them or works for himself.. someone here is liable and it isnt you

this is the whole reason they have a renewals.

anyways please look into it as you are within your rights... they will also have to provide you with an internal disputes route for you to follow... i don't see you losing this one..

anyways REV inregards to HBF.. no insurer unless stipulated will use NEW parts on a secondhand car... doesn't make sense.. unless they say they will in which case they have to..

yeah sure i work at HBF thats fine... i am sorry you had dramas with your claim.. but dont expect to pay the cheap premiums you do and get new parts.. its not viable financially.

repairing damaged panels etc and using lots of bog isnt something that will usually be approved in a repair anyways.. but yeah most repairers are dodgy.. and insurance companies while paying out the thousands of claims a month that they do..sometimes wont take the time to make sure every car passes an examination at the end for quality work approval

but if you are not satisfied with the job it can be done 10 times over within reason... why... well thats the reason they have approved repairers because they are supposed to guarantee a level of workmanship

lots of places have been dropped after cases like yours.. when a workshop continually fails to appropriately fix a car.. .you also have a choice to move to another repairer if its unacceptable..

go with lombardis or something from the get go and ask the repairer if they will use secondhand panels or new ones from japan....

its all relative in the end

thanks for the rant though.. it helps with customer feedback

i hope you passed it on to the claims department instead of just having a rant online

oh yeah and i dont pay the claims personally out of my pocket so i am not sticking up for them for any reason apart from the fact that there are always many many factors involved.

lata people

oh and taye

dude seriously speak to the ICA about your CONTRACT expiry terms and conditions

[ric777]

I'd rather a secondhand panel than a panel full of bog. A good repairer wouldn't bother with large amounts of bog, too much labor involved.

[MrGTST]

Im 25 and insured with Torque through EBM.... costing me around $1200 a year for coverage of about $26000 ..... Havent had to make a claim yet but so far it seems ok.....

[taynewguy]

Riaz - Thanks for the advice, I did look into it and have spoken to a few people which have handballed me to a few other people and so on..........bit dissappointed with the whole affair but hey, I've got better things to do than persue this any further.

I have gone with Torque - $1300/year to cover $20,000. Crisis over.

Feels alot better driving around with insurance cover .

[ix9]

Anyone got a number for torque ?

[taynewguy]

I go through EBM and they seem to swing some good deals, but here ya go....

Torque (Lumley General Insurance): 1300 369 769

50 St George's Terrace

Perth WA 6000

GPO Box Z5424

Perth WA 6831

[rev210]

cmon guys why do you alll always do this

the question was about something different FFS

 

 

anyways REV inregards to HBF.. no insurer unless stipulated will use NEW parts on a secondhand car... doesn't make sense.. unless they say they will  in which case they have to..  

yeah sure i work at HBF thats fine... i am sorry you had dramas with your claim.. but dont expect to pay the cheap premiums you do and get new parts.. its not viable financially.  

 

repairing damaged panels etc and using lots of bog isnt something that will usually be approved in a repair anyways.. but yeah most repairers are dodgy.. and insurance companies while paying out the thousands of claims a month that they do..sometimes wont take the time to make sure every car passes an examination at the end for quality work approval

 

but if you are not satisfied with the job it can be done 10 times over within reason... why... well thats the reason they have approved repairers because they are supposed to guarantee a level of workmanship

lots of places have been dropped after cases like yours.. when a workshop continually fails to appropriately fix a car.. .you also have a choice to move to another repairer if its unacceptable..  

go with lombardis or something from the get go and ask the repairer if they will use secondhand panels or new ones from japan....  

 

its all relative in the end

thanks for the rant though.. it helps with customer feedback

i hope you passed it on to the claims department instead of just having a rant online

 

oh yeah and i dont pay the claims personally out of my pocket so i am not sticking up for them for any reason apart from the fact that there are always many many factors involved.  

 

 

The problem actually had little or nothing to do with the repairer. The HBF 'contract' assesor made decisions about saving money that were non-professional. Insurers are onbligated under certain circumstances to provide new parts to ensure the car is safe and roadworthy.

I have had no problems with other car insurance companies, their assesors are at least looking at ensuring the repair is 'safe' and reliable. The fact that HBF has been known not to even send an assesor speaks for their incompetence.

[ric777]

The problem actually had little or nothing to do with the repairer. The HBF 'contract' assesor made decisions about saving money that were non-professional. Insurers are onbligated under certain circumstances to provide new parts to ensure the car is safe and roadworthy.

I have had no problems with other car insurance companies, their assesors are at least looking at ensuring the repair is 'safe' and reliable. The fact that HBF has been known not to even send an assesor speaks for their incompetence.

I'd say that in the odd instance that the insurance co. doesn't send an accessor would be either a very small repair and or the reputation of the smash repairer. There are the odd repairers that won't compromise when it comes to fixing vehicles as their bollocks are on the line, reputation wise and the insurance co. know who they are.

I know Lombardis personally and they whinge and moan about insurance co. always trying to screw them down. Actually, they whinge and moan about everything, but the fact of the matter is that I also know what assets they have and believe me, they have done very well in that game.

[raasclaat]

im with Just Cars , they know all my mods, im 24 and its only $900

aftermarket turbo, fmic, and powerfc

From personal experience i do not recommend Famous Classic Car Insurance

[rev210]

I'd say that in the odd instance that the insurance co. doesn't send an accessor would be either a very small repair and or the reputation of the smash repairer. There are the odd repairers that won't compromise when it comes to fixing vehicles as their bollocks are on the line, reputation wise and the insurance co. know who they are.  

I know Lombardis personally and they whinge and moan about insurance co. always trying to screw them down. Actually, they whinge and moan about everything, but the fact of the matter is that I also know what assets they have and believe me, they have done very well in that game.

I'd agree that if an assesor wasn't sent it might be a very small repair,however we just had an example of how HBF didn't send one for a $7k repair.

I spoke to thier head office at all levels and they have a basic 'back end' issues. Their right hand has no idea what the left is doing. I was right from the begining and they agreed I was and performed the repair, after 7 months......

As for their success as an organisation in this area, well thats just business, they advertise more and cut back on the larger overheads like assesors and making sure claims are propperly delt with. My case tested them very well and when push comes to shove they are hopeless. HBF are in the insurance game and the bottomn line is they have strategies built around increasing their insured base vs claims costs, the funny thing is they are supposed to be a non-profit organisation with a member focus and appart from friendly people speaking to you on the phone there is no tangible evidence I've seen of them doing this.

To top it all off the idiots continued to renew my insurance after I had sold the car and I had advised them by phone that I was not renewing when I recieved my notice. I had sold that car and bought my GTR. The best part is they won't refund my money till I have presented them with evidence that I had sold my car, you see they believe I am lying about it, appartently I must still be driving around in my old R33 gtst.

Don't mind waiting 7 months for your car to be repaired ? Want cheap coverage?

Go to HBF!

Look at their adds. A stuffed toy repairs you car. Stuffed bear and stuffed insurance coverage.

[ric777]

I'd agree that if an assesor wasn't sent it might be a very small repair,however we just had an example of how HBF didn't send one for a $7k repair.

I spoke to thier head office at all levels and they have a basic 'back end' issues. Their right hand has no idea what the left is doing. I was right from the begining and they agreed I was and performed the repair, after 7 months......

......................................

.

Far out, that's pretty ordinary. You must be pretty patient, after 1 month I would have been pulling heads off.

All the ads get me pissed off especially when one has an impecable record and they reward you by upping the premium substancially. Anyway, I wouldn't insure a sh!thouse with them.