vc commodore
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Insurance depends on a number of factors in NSW like the NRMA:-
Red P's, Green P's, age of driver, number of policies you hold with the insurer, number of claims you have had, how many years with the same insurer, has any insurer ever refused claims in the last 5 years, garaged over night, how many K's you drive in a year, age of vehicle, no finance, licence suspended/cancelled in last 2 years, bald tyres, leaving car unlocked, V8 or V6, modifications etc, alcohol or drug related issues, criminal history, age excess and the list goes on and on.
Just remember that all your history is now related on a computer some where and may be accessed by the authorised insurer.
It is like having an Australian Card but it is all stored in cyber space.
Car repairers do not want to know you if you are insured with Coles, Wollies, Meercat and the ones that operate out of the boot of a FC Holden....so stay with respected insurers.
First why are you writing everything in bold letters?
Secondly....Those factors are incorporated with most, if not all insurance companies....It helps them determine the cost of your premiums....They also put in the fine print, if you falsify or fail to notify them of any of those details, the insurance is null and void....
I think you'll find the repairers need to know who you are insured with, so they know who to send the quote and the possible repair bill to....After all, by us being insured, we aren't footing the whole bill for an accident...Our premiums cover that