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| The Pub For General Automotive Related Talk |
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07-12-2007, 07:51 AM
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Formally Kia Chaser
Join Date: May 2005
Location: Newcastle
Posts: 2,493
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Hi guys.
My brain has now melted after talking to NRMA and getting some quotes for insurance for the cars: Heres the following: 2002 Ford Falcon Futura (ins for $12000) - Garaging Address - NSW (Address not revealled), 4 years driving experience, no claims, thefts, etc... No fines in the last 3 years Quote = $83p/m AND 2006 Kia Grand Carnival (ins for $30000) - Garaging Address (as above), 4 years driving experience, no claims, thefts, etc... No fines in the last 3 years Quote = $85p/m Now here's the weird part. If I choose to insure the falcon for any more the $12000, the quote starts to go up.... yet the Kia ins. for $30k would be less then the falcon.... but the Kia has more power - it has a 184kw motor as opposed to the Falcons 157kw motor (I think the dyno must be broken because my falcon has at least 800rwkw - I just know it - lol). So WTF? The other weird one - If I choose to insure my Falcon at either the NSW address or my other ACT address, the price does not change... however, if I choose to insure the Kia at the ACT address instead of the NSW one, it will cost me an extra $200 per year? I can understand the difference if it was for both cars, but only for one? WTF? So does NRMA have any standard in pricing or just pull figues out of nowhere?
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Kia Grand Carnival (2006) Silver, Grill Mesh, Tints, Sidesteps (with lights), Towbar, 7" Touch Screen DVD Tuner with intergrated GPS & Bluetooth, Roof Mounted Flip Down 15.1" LCD Screen, Reverse Camera - 184Kw HSV Clubsport R8 VY (2003) Black, 6sp Manual, Coulson Seats, Red on black interior, Pacemaker extractors, Twin 2.5" exhaust, Custom Red 20" VE GTS Rims, Custom Red Stitching
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07-12-2007, 08:07 AM
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Banned
Join Date: Jan 2006
Posts: 169
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I'd say it's because the Falcon is in a higher risk category of getting stolen, and it's probably easier to steal too. Parts are easier for crims to sell off, and there's more demand for them so it's quicker for them to sell the parts.
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07-12-2007, 08:59 AM
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FF.Com.Au Hardcore
Join Date: Feb 2005
Posts: 1,098
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Hoons drive falcons etc and crash em, putting them in higher risk class.
DOnt see many hoons fanging "the old carni out" for some reason  Falcons tend to do more km per year = more risk Also doe the falc have any spoilers or mods? that tends to push prices. |
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07-12-2007, 09:43 AM
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Regular Member
Join Date: Mar 2005
Location: Gold Coast
Posts: 155
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my 03 futura agreed value of $18,500 in sydney over 35 is $590 a year .
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07-12-2007, 10:26 AM
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Waiting
Join Date: Mar 2006
Location: Alice Springs, NT
Posts: 105
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I had a new '99 WRX.
Changed over insurance from a Wrangler no extra charge ($600/yr). Renewal time comes around - $4500!!!  : Oh - we didn't realise it was a turbo. Why the exorbitant increase? GST now applies. GST is 10%! There is a high risk of theft for ramraids Alice Springs doesn't have ramraids They are expensive to repair The base model is $20K We don't insure turbos. You have insured it for 12 months We retract the quote. I found a different insurer that also did grey imports for $1000/yr Next year with them same story $3000 quote Why? It is am imported car : I purchased it new from a Subaru dealerThey are a high risk Isn't that your specialty? No Sold the car after two years of enjoyment (except the insurance part!) Moral of the story Insurance companies make it up as they go along. There is no reason!!! A bit like Family Court (wish me luck 4 1000 Monday)
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1971 XY Fairmont GS Factory 351C & Toploader- Electric Blue & Convo Pros 1984 Bronco XLT 351 C6 4WD - Black/ Silver LPG, 3" Lift, American Racing Wheels 2007 Jeep Wrangler Unlimited CRD Renegade- Black 2009 FG XR6 Vixen |
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