Insurance

[satanic]

I'm 19 with a R34 GT-T, insured through Just Cars for $2455.00 comprehensive (car value was $28k). That's with a zero claim history and clean driving history + 40% NCB.

[RTHRTY3]

23 with no claims or convictions and driving since 2000.

For yearly insurance on an auto 98 r34 GTT  coupe at $25k

HBF:  $1250 with $300 excess. Unlimited windscreens a hire car etc and no restrictions on parking or anything

Just Cars: $975 with  $600 excess ($300 basic + $300 22-25 year old)

Think just cars might also have an extra $400 excess but the emails at home and can't remember what it's for.

hmm tough choice.

edit: no convictions not multiple ones

edit2: the extra $400 excess is actually $700 and i's for some endorsement

sounds similar like my situation, but i've got higher premium for r33, mayb its the NCB wats yours by the way?

and endorsement is for mods done to the car, from ur alarm system and EL gauge to other engine mods.

cheers

[AlphA]

$500 per year for me.. 60% no claim bonus, car is insured with QBE insurance Im 24. Car is also insured with exaust, 17"rims, suspension, all engine mods IC, new Turbo etc etc..

Skyline was about $1100 per year R33 GTST 1994 Auto but they dont insure them anymore.

[danh]

lemmie update my insurance!

previous quote was just over net quote.

called em today.

r32 gtr

20yr old

40% ncb

1 accident last yr

$3170 premium

$2000 excess

agreed value 26,900

all mods covered

insured for syd east

[skyzerr33]

lets see was paying $840 a year for the skyline 55% ncb (rac) with mods was 27 when it was pinched had the car since i was 22. highest premium was $1100 had full nbc for the entire period. so over 5 years the price dropped $260 nothing huge. Asked when the cheaper price for age kicked was told its been moved to 27 now and could become 30 soon.

now on the 96 civic for 13k cover consindering i have recent at fault claim (yes the insurance companies give you an at fault claim when ppl break into your house steal ur car keys and take the car. why cause the car was never recovered they have no one else chace for the money.) and that I put Kylie on the policy as the youngest driver at 21 I got prices from 1200 to 450 a year ended up at police and nurses for $450 with half no claim bonus and a 10% policu increase because i had a claim in the last 3 months. Next renewl will see that 10% gone and a higher NCB

[_8OO5TED_]

Do you guys look at the policies or is it purely premium based?

[Daniel_]

My NCB was 60% for those quotes.

Probably end up going HBF, better policy.

[danh]

of course you have to look at policies, they might be doing you sideways and you wouldnt even know it unless u read the fine print.

just sometimes theres no other option but to pay big $

[RB20LagWagon]

I dont know how you can complain about an insurance company taking a no claim bonus after they just pay you out 20k for a vehicle

[danh]

i have no problem with that, just would rather i didnt have to claim in the first place!

[randominsanity73]

Ok guys I work for an insurance broker in Perth. And I can pretty much tell you, when it comes to imports and modified cars you get what you pay for. Go for a cheap policy, and the wording is full of holes, not giving you the cover you need for such a car. I am 20 and have an R32 GTR, 1 accident, no claims, couple of minor speeding fines, and my insurance based on $25,000 agreed value was $3,460 with Just Car, and the excesses were through the roof, or $3,800 with Shannon's and only $1,100 excess.

RAC and HBF are fine for the little bomb that you don't really care about, but their claims services are NOT good nor are their policies. Obviously I can't afford to go comprehensive, so i'm going to go third party only. Another point worth noting is that on third party fire & theft policies, there is a value limit of $5,000. Remember that shannon's is for car enthusiasts, and yes they do ask you about this ie: competitions, licenses, training etc. Personally i'd rather pay a little bit higher premium, knowing that I am with a stable and well established company, that covers everything I want and has a great claims service. Like Shannon's.

Another one worth trying is Famous, you can call them on (08) 9388 8733 They do comprehensive cover only. And they told me for my car it would be no more than $3,000 premium. Can also try Dawes on 1800 807 463, Unique on (03) 9898 9400 or Vigil on 1300 134 054

Hope this helps. If you have any more questions, feel free to ask

[dr00]

well actually we claimed through RAC and they were very good. we had problems with the panel beater doing a shocking job, RAC took the car and said they would take it back to the panel beater and we wouldnt see it again until it was done properly. they had the entire front end redone for us and apologised profusely.

my car was written off by a guy who was insured with RAC and i didnt have full comp many moons ago. they undervalued my car initially but i pled a reasonable case to them with ads from the paper etc and they accepted and paid me $9000 instead of $7500.

also with just car they have changed their pricing. they no longer work out NCB from years of claim free insurance, but just years of claim free driving. this saved me $700 this year as my insurance was under my parents name.

[_8OO5TED_]

I personally have claimed through Shannons, my R33 was hit and written off. I had the claim sorted and received my cheque within 10 days of the accident and bought a new acr days after that.

You wont realise how good your insurance company is until you claim through them.

[Br4nchi3]

Just got a '94 R33 GTS stock except 18" chomies. I got insurance with Just Car Insurance for $1378/year Comprehensive. I'm 20 with no accident history or speeding fines or anything.

[RTHRTY3]

Just got a '94 R33 GST stock except 18" chomies. I got insurance with Just Car Insurance for $1378/year Comprehensive. I'm 20 with no accident history or speeding fines or anything.

how much u covered for? and wats ur excess?

[Br4nchi3]

how much u covered for? and wats ur excess?

$13, 700 and $1500 excess.

[_8OO5TED_]

this is a GTS non turbo right?

[Br4nchi3]

this is a GTS non turbo right?

Yes, RB25DE. I'm getting worried now is this too high? They said I have a rating of 3. 1 is the best...

[randominsanity73]

Another thing with companies such as RAC, is if you are involved in an accident which you are not at fault (ie, someone ran into the back of you), RAC will take away some of your no claim bonus, until they have recovered all money from the third party. Which ofcourse can and will effect your renewal premium, if the third party has not paid up every cent prior to the date your renewal is processed.

If you have a 60% no claim bonus, it really is worth getting NCB protection. This allows you one at fault claim per year without losing any of your NCB. Very handy for incidents such as when someone damages your car in a carpark, and drives off leaving no details. Because the insurance company have no one to recover off, you are at fault.

Again, it is 100% your choice, and you have to assess your priorities and what is appropriate for you. For some of us, saving money is on the top of the list. Just make sure you read the booklet (aka policy wording) you get with your renewal some time, and make sure it is what you really want. And if you don't understand something, then ask someone experienced in the industry.

[_8OO5TED_]

WIth Shannons Insurance, if you are not at fault and can I dentify the 3rd party, your NCB will not be affected nor will you have to pay an excess. We also offer a Protected NCB which, regardless of how many claims you make, your NCB will not be affected.