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Help - Insurance

Discussion in 'The Pub' started by Miss-E, Aug 3, 2006.

  1. Miss-E

    Miss-E VTCOM6

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    Welll.. My insuance company decided my car is too high risk now it has a body kit and cancelled my insurance.
    It took 20 minutes but I talked them into letting me have the remander of the time i've paid for. But I need to find another insurance company.

    Can anyone recommend somewhere to me?
    The place I called offered $9500 for agreed value :cry: I paid $20,000 for my car 2 or so years ago. My loan wouldnt even be covered by $9500.

    Whats your car insured for and who with?
     
  2. azkwazere

    azkwazere Ahhh Yes, Ahhh Yes....

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    I recommend Justcar for you!

    The 2 Best for Modified Vech's is:

    ** Just Car (Good for P-platers as well)
    ** Shannons (good for vintage stuff too)

    Try them, cant get insurance with those two and your in trouble!

    Good Luck.

    aZk.
     
  3. MikesVT

    MikesVT M&M =D

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    Nothing :'(
    Try Justcar and Budget direct, they offered me the "cheapest" price and possibly a better agreed value, not too sure, good luck with it!
     
  4. andrewgrazier

    andrewgrazier New Member

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    shannons will insure anything
    but for me their price was waay too high.
    we are with nrma because i got my name on along with my parents who have insurance thrgouh nrma for like 30 years so ya get some pretty good discounts
    i think comprehensive insurance for my commodore is $650 a year
    and $600 if i crash it in excess
     
  5. MikesVT

    MikesVT M&M =D

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    Nothing :'(
    Shannons didnt even want to know me, their explanation was 'they only insure people who belong to clubs or owners of not so common cars' (not exact words), it' probably more to do with the fact that im 18, this was about 4 to 5 months ago though, maybe its different now.
    My advice... Ring around, I rang every insurance company in the phone book, the result was a few hundred to $4,500 cheaper quote =|(Allianz quoted me $6,800 per year for full comprehensive on my standard vt2 calais hahaha what a crack up!)
     
  6. batemada

    batemada Member

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    Im glad i dont live over there in australia, here in NZ i have got my VT commodore fully insured for $18000 and can make any mods i want to it.
    It only costs me $380 per year win and excess of $500 becuse i am only 21.
     
  7. MaN|aC

    MaN|aC New Member

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    I have the same car is you miss e, I insured it through RACQ with full comp costing me $900 a year and im 20 y.o

    Also it also covers my sound system, GPS and my 19' wheels, well I can't complain :)
     
  8. TigerVX

    TigerVX New Member

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    What other mods have you got?
    I've got my insurance with AAMI. Cost about $740 per year and I have a body kit.
     
  9. bradnstacey

    bradnstacey Guest

    just cars

    just cars did my insurance on my vt ss for 1600 n my gf is 22 no1 would touch us cause she is young but just cars did i can do any mods i want it will just put the premium up abit
     
  10. EXCESSV

    EXCESSV New Member

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    for curiosity i did the online quote with budget direct and they wont touch my new clubby r8... :rofl:
    lucky i already got insurance for it on tuesday with RAC....:yeah:
     
  11. EXCESSV

    EXCESSV New Member

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    that is a lot of money for insurance dude. 4 years at $4500 you can buy another VT Calais.

    when i spoke with shannons a year back i had a young guy on the phone and he said that if you are under 25 you have to be member of car club or do advanced driving course otherwise talk to there sister company JustCar Insurance
     
  12. EXCESSV

    EXCESSV New Member

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    for my VT V6 exec $1000 through SGIO, agreed value $16000 with mags, body kit, alarm, stereo($3500) and lowered. i was 21years old and no accidents...excess $850 (standard plus age)

    for my new clubsport r8 $1990 through RAC value $35000. 22 years old accident a couple of months back. excess $700 (standard plus age) and because of 3 speeding fines (minor) over 5 years of driving $1000 imposed excess.....JustCar puts $1000 extra excess just for the type of vehicle
     
  13. MikesVT

    MikesVT M&M =D

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    Nothing :'(
    At the moment im paying $2300 per year (with no licence suspensions, no claims, completly stock car), but in my opinion that is still way too much, in a few years i would have spent the same amount on insurance as i did on the car itself. And i wonder why if they were one of very few to give me insurance why they wouldn't insure your clubby (which by the way is a freakin awesome beast of a car!!).
     
  14. EXCESSV

    EXCESSV New Member

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    Your location would help too MISS-E
     
  15. EXCESSV

    EXCESSV New Member

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    thanks again for the car comment mate.....it has me stumped why they wont insure it but hey there loss.....
    RAC, RACQ or whatever is in your state are usually the cheapest and will take on any car unless it is highly modified
     
  16. vy_storm

    vy_storm just another moderator... Staff Member

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    Thread moved to the pub, you might get some more advice there........
     
  17. Miss-E

    Miss-E VTCOM6

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    TigerVX - No other mods. Just alloys, stereo and kit.
    It was insured until the kit was added then they said its too high risk for theft and they wont insure it.

    DeanoVX - Im in adelaide.
     
  18. EXCESSV

    EXCESSV New Member

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    have you tried aami or the relevant RAC in your state...no idea what they call the SA one.
    Just Cars will definately insure it but not for any more than the market value plus 20% as an agreed value.
     
  19. Misaprop

    Misaprop black betty

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    I am 22, got a modified V8 Calais and paying only $2.2k through Just Car in Western Sydney! NRMA wanted to insure me for $5.9k hehehe

    when I had the VT V6 Calais I was paying $3.6k to NRMA
     
  20. Tom04

    Tom04 New Member

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    when i got my vs i was 16 and it had a body kit an cd player an that was it and no one would insure me because i had a bodykit untill i found elders since then i have put an exust and a few other things an they dont care at all. Im 17 now and im paying 1300 a year. but they said that will go down every year i go with out making a claim when its been my fault. ah yea i have a $1500 excess cas i have had my license for less then 3 or 4 years

    http://insurance.elders.com.au/quote.asp
     

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