Stupid Sgio

[michael87]

Well, SGIO just gave me the flick because for being honest.

I called them today to do the right thing and let them know what modifications I've done to the car. Well all of them were fine until I mentioned that I had SAFCII, I was then told that they were canceling my policy within the next 7 days.

My previous car was insured by them and they had no problem changing over my policy when I changed my car to a R33 Skyline GTS, when I made the policy for my first car I was told that I was allowed unlimited modifications so long as they were legal and listed.

I’m so pissed off, getting full comprehensive insurance and a decent price being 19 is very hard. They gave me insurance for $2021 a year and $300 claim the policy was under my mums name and I was the main driver. I called Shannons and they will insure me for $4,500 a year.

I don't want to have 3rd party because I'm still paying off my car and if anything were to happen to it, it would be money down the drain.

Now I’m stuck with the stress of looking of finding insurance. Can anyone can suggest an insurance company that will insure me for roughly the same or less.

-michael

[ossie_21]

Just Cars dude, and considering it's also non-turbo there is also a chance they will insure you for less than that. The excess will be extreme however.

That sucks though, did they give you a reason why a safc can't be listed?

[michael87]

They said in gives the car too much power....haha, I wonder what they would of said when I bolt a turbo on. The people I talked to didn’t even have a clue what it was to start with I explained it to them then this lady put me on hold for 15 min and came back saying we are going to cancel your policy. Is SAFC II illegal or something, I can’t find it stated anywhere on the licensing website

[shmiddy]

pm matt ... aka 8OOSTED he might be able to help ya, hes my insurance savure ahahah

[N I B]

Im with Shannons and got a great deal ,House and 5 cars, 2 comp and 3 3rd party for about 2k a year with one being a GTR with free wreck retention so there must be a huge age penalty.

[michael87]

I wonder why they quoted me soo much then, its my age I bet.

It really sucks that people like me who are enthusiasts and respect their car, have to be penalised because some dick decides to do a burnout and run into a tree. The only reason why I want full comprehensive insurance is that I don’t trust the drivers on the road.

[N I B]

Shannons do deals for club members but i dont know if SAU is one but im sure it wont bring the quote back far enough from 4k.

[MMM]

just cars should get it for about 1500

[Denver]

sgio are controlled by the NRMA, when i had my rex's a mate told me to try them out, being 21 with a rex wasn't getting me any favours anywhere till i rang them, $660 odd a year, perfect..

sold that car, got another, went straight back, couple years later, another new car, $700something bucks a yr no worries, second yr of owning that car, it DOUBLES, no a mild increase, it doubled..

furious i rang them and demanded an explanation, to which i got "oh no sir, your policy won't have doubled", until he looked it up on the computer, and realised i was right, he looked into it and came back with "the wrx is a high theft risk veichle, they don't have an imobalizer", explaining to him that anything after 97 had factory imobilizers built in, and the only way you can steal them now was to get the keys off the owner, or flat bed them didn't change anything..

finally he explained NRMA had taken over and that the price rise was due to the policy they have on the car..

they're a pack of wankers.

[Kaido_RR]

f**k!

full cover for me is like $2100 and mine is turbo, and i have all my mods listed inc my kit and rims

thats with just-cars ohh and im 19, thou i have been 1st driven since day one

[michael87]

yeah i got a quote with just cars $1600 a year

excess is ridiculous though, ill shop around a bit more, Mike what’s your excess like?

[1vea74]

In my opinion, been driving for 15yrs now and having my first import almost 10 yrs ago, i find that its the combination of sports car + age that decisions are made by individual cases.

When RAC insured my Silvia almost 10 yrs ago, no modification at ALL was permitted. I was 22 then and imports were rare as hell. At every renewing year, i was slowly permitted to mod my car.

Now, i am with West Frmers and they have insured all my previous Gtrs with unlimited modification provided that i explained in detail what every modification was done and its function.

So, in your case, call them up and ask to explain why installing an SAFC would warrant a cancellation and explain to them the function of the SAFC. In certain cases, you may be required to have an explaination written by an approved workshop.

However, as i have never had any policy with SGIO, they might have a clause or different policy. Very important: Read your policy again.

[Kaido_RR]

yeah i got a quote with just cars $1600 a year

excess is ridiculous though, ill shop around a bit more, Mike what’s your excess like?

i think its like $1000 or if there is damage to my rims i think it goes up to like $1200 or soo

[JUNR34]

I thought Shannons wouldnt cover anyone whos under 21, but yeah 4.5K a year for non turbo is pretty extreme. Just ask Matt (cause he works for Shannons) he should be able to help you out, gave me a pretty good quote too. Your next bet will probaly be Just Car insurence mate.

[michael87]

well i think im going to go with HBF they seem happy with what im doing to the car. They seem alot cheaper aswell, $1071 yr. Has anyone had a problem with HBF?

The guy at shannons i talked to on the phone said when your 21 come see us and it will be alot cheaper so thats what ill do.

[_8OO5TED_]

yeah i would wait until your 21 for Shannons, our rates for under 21s can be hooooogeeee!

I did hear, however, with HBF that if you fitted, for example a Power FC, they wouldnt cover it as you cannot change the ecu. Wouldnt SAFC, something that "tricks" the stock ecu, be a similiar thing? Dunno, just just make sure they are happy with that.

Matt

P.S with HBF, are you insured as the main driver of the car too?

Edited May 5, 2006 by _8OO5TED_

[gazza750]

shannons wanted 1400 for my gtr just cars wanted 1200 torque i pay only $780 thats insured for $32000 so i know i would be be ringing to get a price from

[michael87]

i told hbf that i had an airflow converter and they said it was ok. I'm insuring as me as the main driver and the policy will be under my mums name (to get some hbf discount or something).

[Disko_Tek]

lol man we have been through this in the insurance thread lol... michael i feel ya pain...

im 19 f and have an import turbo as most of us do...

now mine is 1785py with my turbo time king springs pod and cat back exhaust listed.

dude its hard getting insurance. i asked sgio 6k they wanted. hbf wouldnt look at me rac asked min 3k bit wanted to assess my car and wouldnt insure it for its bought value. shannons wouldnt look at me cause im 19 and a few others wouldnt either...

your lucky because you dont have turbo so it cuts cost down a bit but your still 19 m which makes you a large liability in their eyes.

just make sure that the people you go with allow all mods (read fine print!) are happy with what you already have and will insure for what you want it insured for...

just look around and youll find the right one!!

good luck dude

[stR33ter]

Ha Dude

i'm with HBF they will cover all mods including an after market turbs

but wont if you have after market boost controller and or after market ecu

$550 per year