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 Post subject: Re: Car Insurance
PostPosted: Sat Apr 22, 2017 5:11 pm 
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Vehicle: MY04-XT Lux

Posts: 230
Location: Preston
I use Famous car insurance on both cars, have agreed value and mods covered, no had to make any claims yet though and both cars are off road parked.


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 Post subject: Re: Car Insurance
PostPosted: Sat Apr 22, 2017 8:12 pm 
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I Say: Beer, its so much more than a breakfast drink
Vehicle: MY10 XTP & MY00 GT

Posts: 428
Location: Central Coast - NSW
I am insured through AAMI. We agreed on a replacement price irrespective of mods.

I was very suspect when i questioned them on this, but they maintained they would cover the car, with my mods.

their line of questioning when like this
"have you turbo'd a non turbo car, added nitrous, or painted in a non standard colour?" if not, all mods are above board as long as you are happy with the payout figure

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 Post subject: Re: Car Insurance
PostPosted: Sat Apr 22, 2017 8:13 pm 
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I Say: Straight roads are for fast cars, turns are for fast drivers
Vehicle: Silver SG9 XTL

Posts: 172
Location: VIC
Question: if you select "agreed value" is your insurer required to pay the full agreed value in the event of a write-off, negligible of the actual veichle value? (Excluding excess ofcourse) Does anyone have any experience in this?

I also think that having rights to buy back the wreck is important for a modifoed veichle owner.

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 Post subject: Re: Car Insurance
PostPosted: Mon Jul 24, 2017 2:04 pm 
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Vehicle: MY08 XT (SH)

Posts: 616
Location: Brisbane
JazzyJ wrote:
... AAMI. ...
"have you turbo'd a non turbo car, added nitrous, or painted in a non standard colour?" ...


To paraphrase Sesame Street - one of these things doesn't belong here.

Did you get a sense of what repainting had to do with anything?

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 Post subject: Re: Car Insurance
PostPosted: Mon Jul 24, 2017 2:39 pm 
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I Say: Looks like I picked the wrong week to quit drinking.
Vehicle: 03XS Auto-Red;Mercedes Valente

Posts: 21734
Location: Central Coast, NSW
Barefootxt wrote:
Question: if you select "agreed value" is your insurer required to pay the full agreed value in the event of a write-off, negligible of the actual veichle value? (Excluding excess ofcourse) Does anyone have any experience in this?

I also think that having rights to buy back the wreck is important for a modifoed veichle owner.

Just saw this.

If you check the policy wording in regards to "agreed value", normally you'll find that the actual value at the time of the write-off needs to be within a specified percentage of the agreed value for that amount to be paid.

You are not meant to be able to profit from insurance, so you can't deliberately over-insure your vehicle, and then expect to receive that payout.

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 Post subject: Re: Car Insurance
PostPosted: Tue Jul 25, 2017 4:30 pm 
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I Say: Beer, its so much more than a breakfast drink
Vehicle: MY10 XTP & MY00 GT

Posts: 428
Location: Central Coast - NSW
Yowie wrote:
JazzyJ wrote:
... AAMI. ...
"have you turbo'd a non turbo car, added nitrous, or painted in a non standard colour?" ...


To paraphrase Sesame Street - one of these things doesn't belong here.

Did you get a sense of what repainting had to do with anything?


I chose to totally ignore the ridiculousness of it all and just concentrated on the vague statement that i could modify to my hearts content.

Maybe they were still living in autosalon days, when a $10k airbrush job on a bog stock hyundai excel was supposed to be cool

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