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 Post subject: Car Insurance
PostPosted: Thu Apr 20, 2017 10:00 pm 
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I Say: If in doubt flat out
Vehicle: MY10 XT/STI 6MT

Posts: 83
Location: Adelaide
Looking to renew my car insurance as Just Cars has shut shop.
Cant use NRMA as they dont cover car insurance in S.A.
Other than Shannons what other decent car insurance options is there for modded cars?


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 Post subject: Re: Car Insurance
PostPosted: Thu Apr 20, 2017 10:08 pm 
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I Say: Once was
Vehicle: Previously SH...

Posts: 1404
Location: Melbourne
Bingle

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 Post subject: Re: Car Insurance
PostPosted: Thu Apr 20, 2017 10:19 pm 
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Vehicle: MY08 XT Obsidian Black Pearl

Posts: 576
Location: Sydney
I will struggle to find someone to insure me next year now that Just Car has wrapped up. Most companies I've tried turn away under 25's with a turbocharged vehicle :/ And any other company that was willing was asking double what Just Car has been charging me for the last few years.

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 Post subject: Re: Car Insurance
PostPosted: Thu Apr 20, 2017 10:31 pm 
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I Say: Car mods are like OddBodz, you got to collect them all! -------------------------------------
Vehicle: MY05 STi swapped sled

Posts: 17786
Location: Spearwood Perth WA
Id try Shannons insurance. I have more than 5 times the cover i could get with RAC, and the annual premiums are LESS. But that is with a caveat of limited monthly road use. (Because race car :lol: ) They give you a discount if you have a CAMS license aswell. And i dont mind my money going to them because it in part goes to sponsoring local motorsport events such as the now called Shannons Targa Rallysprint.

Dont know if Shannons can help with under 25s though for Brenners.

Id stay away from the discount/online no name indurance options because when it comes time to pay out, there the ones that will put up a fight and try and squirm out of it.

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 Post subject: Re: Car Insurance
PostPosted: Thu Apr 20, 2017 10:39 pm 
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I Say: Once was
Vehicle: Previously SH...

Posts: 1404
Location: Melbourne
I haven't had to claim with Bingle yet, but its $700/year, unlimited mods with both myself (36) and my wife (30) as drivers. Market value ($28K) with $695/excess.

Might have to get some new quotes, haven't looked at it since I got the car.

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 Post subject: Car Insurance
PostPosted: Thu Apr 20, 2017 10:52 pm 
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Vehicle: MY11 S-Edition - SWP

Posts: 1129
Location: Sydney
A few friends say Bingle is ok but you have to use their repair shop, not a repairer of your choosing. That may or may not be a good thing.

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 Post subject: Re: Car Insurance
PostPosted: Fri Apr 21, 2017 9:09 am 
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Vehicle: MY05 XT - Silver

Posts: 375
Location: Sydney
Try a quote from Coles Financial Services, I got comprehensive with them for 1/3 less cost than NRMA GIO and a few other big name companies and that was only 3rd Party Property level of insurance they were offering at a greater cost then Coles Comprehensive and I'm pretty sure they will insure an under 25 with a turbo.

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 Post subject: Re: Car Insurance
PostPosted: Fri Apr 21, 2017 9:35 am 
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Vehicle: Rather not say...

Posts: 751
Location: Northern Beaches NSW
I used woolworths insurance for my STI, they cover me for more than $12k on top of what I paid for the car, no issues with mods, cheapest excess out of the lot, and I pay $87 a month (About $300 cheaper a year than the next closest quote). I'm 28

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 Post subject: Re: Car Insurance
PostPosted: Fri Apr 21, 2017 9:42 am 
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I Say: Keep the hammer down
Vehicle: 02GT/6MT/Modtown

Posts: 31658
Location: SE MEL
jonp wrote:
A few friends say Bingle is ok but you have to use their repair shop, not a repairer of your choosing. That may or may not be a good thing.

They all do that now.

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 Post subject: Re: Car Insurance
PostPosted: Fri Apr 21, 2017 10:03 am 
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Vehicle: MY10 XTP & MY06 RColt

Posts: 565
Location: Newcastle, NSW
We use AAMI for both cars and house/contents.

Foz cost us ~$700yr full comp agreed value for $24k. Nominated excess of $1250.
I am 32, wife is a cradle snatcher at 33. :lol:
Nominated a value slightly more than the finance owing, it helped massively as we found through our experience.
Also like to bump the excess up to a reasonable amount, figured these days it costs at least $1k for any significant fender bender repairs or worse if it is our fault.

They don't care what mods are done to the car as long as it's nothing to "extreme".

For the less "enthusiast" types of insurance like AAMI, you're better to hedge your bet on specifying an agreed value of what it would cost to replace your car with all the fruits if you lose the lot. Seemingly is the approach most are having these days rather than nitpicking over specifics, unless of course said mod attributed to the damage/loss of your car.
Eg, coilover strut snapped and caused loss of control, spinning off into paddock, clipping a tree and shirley the cow landing on your bonnet.

We had to make claims against our policy in late 2015 and mid 2016.

2015 claim wife backed into another car, caused a quoted $2k of repairs to a $4k car.. (Mazda Eunos 500X) she punched a small hole in the rear door with tow ball. They replaced the whole door. Was about $1k repair/repaint ours.

2016 claim at fault driver rear ended the wife, caused total loss to our car and hers, and was not insured.
We didn't have to pay any excess at all, it was all put on the other driver.

Other than proceedings being very slow it all went through without issue.
Took a solid 6 weeks from incident to settlement/payout.

In both cases we were given a list of their preferred repairers to choose from for our repairs, rather than being forced to "like it or lump it".


Hope all that dribble helps!
Would be nothing worse than getting a "good deal" from an insurance company only to be loop-holed out of the policy you've paid for come the time of having to use it.


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