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The Pub For General Automotive Related Talk |
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29-11-2013, 04:09 PM | #1 | ||
Regular Member
Join Date: Jul 2013
Posts: 321
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Whats the best/cheapest car insurance for my modified AU XR6 guys?
I'd like to know your experiences and knowledge and stuff thanks heaps Khoder |
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29-11-2013, 04:13 PM | #2 | ||
FF.Com.Au Hardcore
Join Date: May 2006
Location: In my happy place
Posts: 5,432
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best / cheapest don't go together when it comes to insurance
All my cars are with Shannons (the wife's grocery getter the project, the 38 the lot) I find them good to deal with and have had no problems with claims or values, price wise, they are a little on the high side for the Territory but the rest is very reasonable
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Pariahs C.C. What could possibly go wrong I post images with postimg.cc (so I don’t forget) |
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29-11-2013, 04:26 PM | #3 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Location: Wollongong
Posts: 3,115
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cheapest would have to be places like budget direct and so-on but they will not insure modified cars, even something with aftermarket wheels, so the best insurance company i have found and i use for everytihng inc my house is shannons
i am getting quotes now for a BA GT and shannons are at $880 where as the budget companies do not even list FPV's and will not insure them any suggestions for FPV insurance?
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CURRENT RIDES BA GT Mk1 #0009 - Narooma Blue SY Ghia AWD Black VZ LX8 Adventra Holden HX 50th Anniversary AU Saloon Car racecar 1980 GS1000ST - Wes Cooley Rep
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29-11-2013, 04:40 PM | #4 | ||
Where to next??
Join Date: Oct 2006
Location: Sydney
Posts: 8,893
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Quote budget direct, Coles and aami.
Budget direct was cheapest for me. I hear Coles are price matching at the moment too. Note that if you go with BD you are not fully covered till your car is inspected.
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___________________________ I've been around the world a couple of times or maybe more....... |
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29-11-2013, 04:58 PM | #5 | ||
Regular Member
Join Date: Jul 2013
Posts: 321
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$880 wow i got quoted more than double that
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29-11-2013, 05:02 PM | #6 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Location: Wollongong
Posts: 3,115
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thats garaged and limited use and combining house and another car was quoted $1800 for iselect and only 1 place would insure it....i'm 34 and have no demerit points or accident history too
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CURRENT RIDES BA GT Mk1 #0009 - Narooma Blue SY Ghia AWD Black VZ LX8 Adventra Holden HX 50th Anniversary AU Saloon Car racecar 1980 GS1000ST - Wes Cooley Rep
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29-11-2013, 08:32 PM | #7 | ||
Former BTIKD
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Don't forget that your age and suburb/postcode has a LOT to do with pricing.
Jump online and spend an hour or two comparing companies.
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Dying at your job is natures way of saying that you're in the wrong line of work.
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29-11-2013, 09:09 PM | #8 | ||
Starter Motor
Join Date: Feb 2012
Location: Eastern Suburbs, VIC
Posts: 22
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I got my FG2 XR6T insured with CGU, after being insured with AAMI in previous years on my BA XR6 (AAMI were way too overpriced). I spent days looking for a reasonable group.
I didn't want to go with any company under the Suncorp banner again, after hearing a lot of horror stories from a mate (panel beater) who did third party quotes for people. So I looked into it, and sure enough their groups (some in particular), tend to do botchy repair jobs that can often cause more problems than they're worth. As a note, Shannons is owned by Suncorp.
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2004 BA XR6 in Vibe - SOLD 2012 FG MKII XR6T in Silhouette No mods yet (but the list is growing) |
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29-11-2013, 09:15 PM | #9 | ||
Former BTIKD
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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It might be easier to say who isn't owned by Suncorp
http://www.suncorpgroup.com.au/about...-do/our-brands
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Dying at your job is natures way of saying that you're in the wrong line of work.
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29-11-2013, 09:18 PM | #10 | |||
Starter Motor
Join Date: Feb 2012
Location: Eastern Suburbs, VIC
Posts: 22
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Quote:
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2004 BA XR6 in Vibe - SOLD 2012 FG MKII XR6T in Silhouette No mods yet (but the list is growing) |
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01-12-2013, 09:22 AM | #11 | ||
FF.Com.Au Hardcore
Join Date: Nov 2012
Location: Central Vic
Posts: 3,724
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Grandpa me went through the quote process only to find out my sunroof, LPI conversion and spec leather conversion meant it was too exy to insure so stay with Coles (Wesfarmers).
There are so many variables to the question you just have to spend time going through them all it's always comes down to just your unique situation.
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01-12-2013, 03:24 PM | #12 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Posts: 4,167
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Coles will price match for new customers, but if you are a current customer tough t1tty. After having a few cars with Coles all cheaper than other companies, for wife and I, we bought a BMW and it was over 200 dearer than budget direct, WTF? I had 1 claim and all went smoothly but if you need to talk to them or deal direct over the phone then be prepared for a not so smooth ride. My building and contents insurance is much cheaper through Coles also.
Anyone tried Woolworths yet? I hate it when you get through the whole quote online and they say they dont insure that car for that driver. Why not when you first put in your particulars? Budget rang me after I quoted for my FGXR6T. How was the quote they asked, not within coooeeeee I said, but then we realised I had put in I had no no claim bonus. That bought the quote closer but still over 150 higher than Coles. But the BMW is cheaper, go figure.
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igodabigblackshinycar and I relented and allowed a BMW into the garage. Last edited by deesun; 01-12-2013 at 03:34 PM. |
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01-12-2013, 03:24 PM | #13 | ||
Regular Member
Join Date: Jul 2013
Posts: 321
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Coles is very cheap!
1999 Ford Falcon AU XR6 Series 1 - 2.5" Redback catback + twin tip stainless steel exhaust tips, high air flow air panel filter, XR8 Snorkel, Full Tickford body kit + biplane spoiler (Stock) |
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01-12-2013, 03:28 PM | #14 | ||
FF.Com.Au Hardcore
Join Date: Nov 2012
Location: Central Vic
Posts: 3,724
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Do you mean 'underwritten' as opposed 'owned'?
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Wherenoshockjocksfly Facts or the twitterverse, your choice! M3SR+ .......MG ZS EV |
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01-12-2013, 03:29 PM | #15 | ||
FF.Com.Au Hardcore
Join Date: Aug 2006
Location: Salamander Bay
Posts: 5,427
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cheapest isn't always the best it is all about what the package provides. there is an old saying , " you get what you pay for" generally the cheapest will look for ways to dodge a claim and provide poor or no service.
rather than looking for the cheapest you should look for the best value for money
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Everyone starts off with a bag full of luck and an empty bag of experience. The trick is to fill the experience bag before the luck bag is empty. "It is better to remain silent and be thought a fool than to speak out and remove all doubt." Start a new career as a bus driver Rides: FG2 XR6 stock at this stage but a very nice ride xc 4 DOOR X CHASER 5.8 UNDER RESTO |
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01-12-2013, 03:37 PM | #16 | ||
Regular Member
Join Date: Jul 2013
Posts: 321
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The commonwealth bank gave me the best price, whenever I mention an under 25 year old person will be driving the price sky rockets
What kind of questions should I ask them to understand if I'm getting good service? 1999 Ford Falcon AU XR6 Series 1 - 2.5" Redback catback + twin tip stainless steel exhaust tips, high air flow air panel filter, XR8 Snorkel, Full Tickford body kit + biplane spoiler (Stock) |
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01-12-2013, 04:23 PM | #17 | ||
Sunny side up
Join Date: Aug 2011
Location: Koo Wee Rup
Posts: 250
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Personally I go with RACV, because modding your car does not 'void' the insurance PROVIDED they are legal mods aka don't chop your springs or put new rims on with bald tyres etc.
The value is based on either the market value of the car OR the agreed value, and as such, market value is the value of the car or agreed value is whatever you set it to, so if you want to claim on the mods too you MUST have your agreed value set accordingly. Premium can be a bit hefty (especially if you're under 25) Mine is something like, $1800 a year due to p plates and type of car. But the one time I have dealt with RACV (other party at fault) they were extremely helpful and I had my car being repaired within a week of the accident. So I would never hesitate to recommend them. Just my 2c.
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-= BF MK2.5 XR6 =- Genies>hi-flow cat>X-Force 2.5" Catback. Stage 2 crow cams. Powerbond 20% Underdrives. Bent tab. BC racing Coilovers. Whiteline Adjustable Swaybars. SS Inductions Growler + XR8 snorkel + Territory intake pipe. More to come. Thread coming soon. [P]Plater Past rides: 1998 NL Ghia Concorde (Now Dads car) 1954 Austin A40 |
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01-12-2013, 05:09 PM | #18 | ||
FF.Com.Au Hardcore
Join Date: Nov 2012
Location: Central Vic
Posts: 3,724
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You 'get what you pay for' .... perhaps it has more to do with 'targeting' a low risk group.
Coles and Woolworths are fighting aggressively in every area in which they compete and I guess we can expect casualties. I wouldn't want to be a young male P plater with a modded car on hire purchase. QBE wouldn't give me a quote as they had detected I wasn't a 'loyal' customer, ie I don't auto renew.
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Wherenoshockjocksfly Facts or the twitterverse, your choice! M3SR+ .......MG ZS EV Last edited by ryeman; 01-12-2013 at 05:13 PM. Reason: Add |
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03-12-2013, 04:20 PM | #19 | ||
Former BTIKD
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Why try to outwit the censor when you can say Titty ?No, he means what he says, look at the link it says 'our brands'. Not, 'Underwritten by'.
http://www.suncorpgroup.com.au/about...-do/our-brands
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Dying at your job is natures way of saying that you're in the wrong line of work.
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03-12-2013, 04:41 PM | #20 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Location: Wollongong
Posts: 3,115
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i got quotes with Lumley and Shannons, both about the same, Lumley will let me increase excess to reduce premiums so shannons is at $880, LSV is $850 but shannons will also reduce my other insurance by $40 so its dead equal.
if i raise the excess from $550 to $1000 the premium drops to $650pa this is for a 34y/o in semi regional nsw for a stock 2003 GT and limited use stored in a garage both are aimed at enthusiasts and so i have choice of repairer and first dibs to buy it back i'll most likely stick with shannons so its all on 1 bill
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CURRENT RIDES BA GT Mk1 #0009 - Narooma Blue SY Ghia AWD Black VZ LX8 Adventra Holden HX 50th Anniversary AU Saloon Car racecar 1980 GS1000ST - Wes Cooley Rep
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03-12-2013, 05:39 PM | #21 | ||
Starter Motor
Join Date: Feb 2012
Location: Eastern Suburbs, VIC
Posts: 22
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Speaking of insurance;
On my way home from work just now I saw a green P plater driving a BF GT. Makes me wonder if he's driving it for 'work purposes'. Even then insurance probably wouldn't cover that.
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2004 BA XR6 in Vibe - SOLD 2012 FG MKII XR6T in Silhouette No mods yet (but the list is growing) |
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