Just Car Wont insure me.

[Haydz]

Hey Guys i just got off the phone to just car and they wont insure me comprehensively because of my paint job (harlequin) i reckon this is bs.
does anyone know anyone who would. or anything. thanks alot.

[BANKS]

Hey Guys i just got off the phone to just car and they wont insure me comprehensively because of my paint job (harlequin) i reckon this is bs.
does anyone know anyone who would. or anything. thanks alot.

just car insures everyone! even rabbits... did you tell them how much it cost? how old are you? id say theres other factors involved. not just your paint job

[Just_a_stocker]

maybe they think its too costly for repaint ?

[Boonz]

one thing you gotta realise is with that paint... if one panel gets scratched, the whole car has to be resprayed.... so i highly doubt that anyone will insure you at a price that your happy with too

[xlr8_87]

try shannons

[Grennan]

One panel gets scratched everything has to be repsrayed? Gee thats steep.

[xlr8_87]

One panel gets scratched everything has to be repsrayed? Gee thats steep.

not really, its the way the paint is mixed and applied. you can't just respray a small area, it'll turn out differently, i.e. the light will reflect off differently and you'll get different colours. it'd look like a big stain on the paint.

[Haydz]

here is the email i received.

Hi Hayden,

Thanks for your reply.

We have taken into consideration the paint work of your vehicle. Unfortunately we cannot offer comprehensive insurance on cars that have harlequin paint.

However, we can offer you third party property damage plus fire and theft insurance. A quote has been calculated for you, which can be accessed with the link below.

Thank you for the opportunity to provide you with this insurance quote.

You can view your quote at:
Car Insurance Australia – Online Quote Terms – Just Car Insurance

If you have any further enquiries please do not hesitate to contact one of our Motor Specialists on 13 13 26 or email us at: contactus@justcarinsurance.com.au

We are open between 8am and 8pm Monday to Friday, 8.45am to 5pm Saturday and 10am to 3pm Sunday, Eastern Standard Time.

Regards,

Rebecca Palermo
eBusiness Specialist
Just Car Insurance
Car Insurance Australia - Young Drivers and Womens Car Insurance - Just Car Insurance

[AttaBoy]

I don't see why the whole car needs to be resprayed if one part is damaged. Could someone explain the reason why?

Thanks....

[Haydz]

it says it above unless you have the exact same mix. it will look different. the light wont change it the same as the other pannels.

[stocky]

ive heard that only applies to certain kinds of paint. like those with pearlescent colours

[Emackulation]

Well, I know now I wont ever get a car sprayed in harlequin or anything allike.

[Clutchy]

ive heard that only applies to certain kinds of paint. like those with pearlescent colours

Harlequin is one of the colours that changes colour in different light thats why the whole car needs to be painted at the same time.

[BANKS]

im guessing it cost about $7000-$8000 for the paint job? if its true harlequin its $1000 a ltr and has a 8 month waiting list. The raw materials are only found in germany thats why its so expensive. So unless you paid that amount per ltr its not true harlequin... flip flop which give a similar effect to harlequin is what most people go with, about $500 a ltr and no waiting list. As harlequin has about 7 colurs when it flips, flip flop only has 2, blue to green, red to purple etc.

basically if you can afford to put harlequin on the car in the first place, you would be able to afford the insurance...

[Grennan]

basically if you can afford to put harlequin on the car in the first place, you would be able to afford the insurance...

The issue is, they wont insure him not that he cant afford it.

[J_D]

im guessing it cost about $7000-$8000 for the paint job? if its true harlequin its $1000 a ltr and has a 8 month waiting list. The raw materials are only found in germany thats why its so expensive. So unless you paid that amount per ltr its not true harlequin... flip flop which give a similar effect to harlequin is what most people go with, about $500 a ltr and no waiting list. As harlequin has about 7 colurs when it flips, flip flop only has 2, blue to green, red to purple etc.

basically if you can afford to put harlequin on the car in the first place, you would be able to afford the insurance...

If there is such a long waiting list for harlequin paint it would probably be the reason they wont insure as they cant guarantee prompt repair in the case of a claim.

[BANKS]

If there is such a long waiting list for harlequin paint it would probably be the reason they wont insure as they cant guarantee prompt repair in the case of a claim.

That’s what I think. We were planning to paint our work ute in harlequin. Doesn’t matter if you’re the pope, it still costs $1000 a litre and takes 8 months. The cost wasn’t an issue in was the lead-time. And because there’s a limited supply of the raw material it will eventually run out and you wont be able to paint with it anymore. Until a synthetic version is created which ive heard is pretty close to being finalised.

Any chance of passing it off as flip flop? Readily available and cheaper. What if you signed in writing about you realise that the car will take longer to repair etc etc? I’d say they’d be pretty flexible if you negotiated some sort of agreement

[Haydz]

yeah i might try something like that for the time being its 3rd party

[STEALTHY™]

They can also cover the car full comp, but exclude the paint. Mine have done that with the wheels, due to them being genuine HSV wheels. I'm covered to have them on the car, but replacement is for stock wheels.

I'm sure they could offer something the same, as, if your car gets stolen, your not left with nothing. the only thing you've lost is the paint.

[Haydz]

sounds ok to me. i mean i dont really care that much. i bought the car with the paint and to be honest i wish i had factory paint.

[AttaBoy]

got any pics of your car?
Interested to see how it looks.

[stocky]

got any pics of your car?
Interested to see how it looks.

haydass - Photobucket - Video and Image Hosting

[BANKS]

yeah true, you could pass it off as being a pearl or something, so in the unlikely event of you having an accident you know you can still get a killer paint job or something different

[VLDavo]

hmmm id talk to someone else u will find someone to inusre u its just gonna cost u alot of money....

lol and harlequin is damn expensive.... i had a moto painted in it lol....learnt my lesson when i stacked it never to have a cool paint job like that again lol

[azzfox]

my mates sister bought a lancer with a few flame decals (haha yes I know...) and no one would insure her because of it.

...or maybe caus its a lancer full stop