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Need Insurance? Want Cheaper Insurance?

two40

By two40,
in General Automotive Discussion

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Pauly33GTS-t Veteran

Pauly33GTS-t

Posted
Posted

Hey Im pretty new to these forums and the like, I am buying an R32 Godzilla soon and I need to know what is the best Insurance company that will cover me, as a 20yo with no previous accidents, a "impropper lighting" fine (Had parkers on instead of full lights one night :S) and Car is slightly modified but on the upper hand it will be always garaged and im in a safe neighbourhood. (I heard these factor contribute). Going to buy the car in 2 months or so from now so I'm trying to get my mind set around what its going to cost me per year to run this beast without just diving into it and perhaps making a descision that I will regret.

I have been a Classic Adelaide Rally volunteer and stage marshall assistant for the past 3 years. Maybe shannons is best choice because of their involvement in local and international circles of motorsport?

Any feedback would be great, thanks.

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GoldRush Apprentice

GoldRush

Posted
Posted

just got the car today and was wondering with insurance what would help me get the lowest premium. should i register the car in my mothers name? (im 18). the car has an alarm and immobiliser and is parked in a remote control lockup garage. also which insurers should i have a look at? what should i look for such as no claim bonuses? thanks in advance for any help guys. love the forums.

Powers Lacking Contributor

Powers Lacking

Posted
Posted

Try lumleys or torque (division of lumleys). I am 20 and with a clean driving record and a bit of haggling my car is insured for $12500. Full comprehensive cover for $600 a yr. Only catch is its a $1000 excess, but any minor work under a grand yous should be able to afford anyway considering you can afford to buy the car. If you cant pay dont play.

xRHETTx Mentor

xRHETTx

Posted
Posted

Try:

Just Cars

Famous

or Shannons

Insuring it in a parents name wont work. Insure it under your name so you can build up no claim bonus yourself.

Have you had a car insured in your name before? If so, you should have some no claim bonus available to use (even if you only had 3rd party insurance).

If not, suck it in and pay for the damn insurance.

GT-R32 Grand Master

GT-R32

Posted
Posted
Try:

Just Cars

Famous

or Shannons

Insuring it in a parents name wont work. Insure it under your name so you can build up no claim bonus yourself.

Have you had a car insured in your name before? If so, you should have some no claim bonus available to use (even if you only had 3rd party insurance).

If not, suck it in and pay for the damn insurance.

Don't forget Vigil and Ryno. Plus there are a heap of others, ring around it's worth it to get a better policy and potentially save hundreds!

GUN_METAL_GTR32 Grand Master

GUN_METAL_GTR32

Posted
Posted

insurance is a joke these days. i had my other car insured with just cars

my name

20 yo

p plater

2 loss of licences

$2900 per year for a non turbo supra

$1800 excess

i dont have insurance for my gtr yet

21 now

p plater still (for a while)

3 loss of licences

and a stack that wasnt my fault

$3400 per year for a nearly stock gtr

f**k insurance i reckon

Rolls Grand Master

Rolls

Posted
Posted

Lost your license 3 times? Im not surprised its so high. Its more likely that you will crash it then you won't so they have to put premiums that high so they actually make money.

Its not they they are giant blood sucking corporations, they actually do have to make money to stay alive.

Pauly33GTS-t Veteran

Pauly33GTS-t

Posted
Posted (edited)
Lost your license 3 times? Im not surprised its so high. Its more likely that you will crash it then you won't so they have to put premiums that high so they actually make money.

Its not they they are giant blood sucking corporations, they actually do have to make money to stay alive.

Your one of them! hahaha :happy:

Edited by SAZilla
Rolls Grand Master

Rolls

Posted
Posted
no no no... more money for them... Tell you what everyone ill start my own insurance company... "Pauly's dodgy insurance". be just as good as all the rest.

You seem to miss the part where I said capitalist pig :yes:

How will pauls dodgy insurance counter the extreme high risk of insuring people like us without ridiculous premiums?

ossie_21 Grand Master

ossie_21

Posted
Posted

Looking for some advice before I make a few calls in the next couple of days. Been with Just Cars since I got my car stock in May 2005.

Started off insured at $18,000, with a premium that was about $2400 from memory. After just a few weeks I had a claim of about 5k after an aquaplaning trip into a kerb :sick: That all went smoothly & everything as the cops showed up about 5 minutes after it happened & seen the area blah blah blah.

Next renewal, car had gone from nearly stock to gt30r, gate, ecu, full exhaust etc & the excesses were increased but the premium was $2062. Just got my latest one now & they want to drop the agreed value to $16,350, the overall excess is down a couple of hundred but still $2500. Best part is they want the premium as $2281 now.

I'm thinking of the most polite way to call up & say "Lick my weld you pricks". This renewal was printed just before I added the engine build too, so they would probably want to bump it up even higher.

I'm moving to Queensland in one week (the 26th), the same day my insurance is up. So during this time my car will be in transit, but I'm looking for other quotes.

21, 1 claim, rating 5 (not sure when it will become rating 4)

Will be based in Queensland (Coolum or close to, I would like to think safe area? :P )

1995 R33 Gts-t fully built except injectors, but no kit (read: pretty much a sleeper, except for front bar decals)

Clean driving record

Will be garaged, "maybe" not immediately but DEFINATELY will be.

At the moment I would prefer a pay by the month thing as well. Shannons is an option but 21 is still probably going to be a bit pricey. I stayed loyal with JCI because the claim was smooth, but I don't really want to stay with them now. Famous were willing to match them but a bit higher with pay by the month, they are my first choice but are Perth-based and I am going to Qld.

I've heard good things about Torque, I believe they are based there? If anyone can put me in the right direction with them or other companies that are familiar with this sort of cover it would be quite helpful, cheers.

gazza750 Veteran

gazza750

Posted
Posted

nathan i am with torque and am only paying $758 a year 93 gtr insured for $30000 but then i am ancient with 60% no claim bonus and clean record (only few speeding fines in the past) they even allowed cover for stereo whereas most will only give you a set amount back if a stereo is stolen mine is full replacement

TJ- Apprentice

TJ-

Posted
Posted

hey i read through a few pages here, im on dialup so cant go through 30 pages,

i just got a 1994 toyata soarer with lexus badges on it, its a V6 non turbo auto.

Ive called racq, nrma, budget, and suncorp, all of them either wont ensure me cause im under 25 (23) or cause its an import.

I will call some of the companies mentioned in this thread on Monday, but anything over $1000 and i dont think i will be able to afford it??!?!? :P

For someone with experience how much should i expect to pay?

thrtytwo Veteran

thrtytwo

Posted
Posted
hey i read through a few pages here, im on dialup so cant go through 30 pages,

i just got a 1994 toyata soarer with lexus badges on it, its a V6 non turbo auto.

Ive called racq, nrma, budget, and suncorp, all of them either wont ensure me cause im under 25 (23) or cause its an import.

I will call some of the companies mentioned in this thread on Monday, but anything over $1000 and i dont think i will be able to afford it??!?!? :P

For someone with experience how much should i expect to pay?

if you go to the justcar website (google it) you can get an online quote, this is very accurate as you can actually take out the policy you recieve. i dunno how much you should be expecting but they will see it as a performance car being a 2 door jap, also being an import and a young driver i would think it will be over the 1k mark your hoping for.

having a nice car is expensive :D

good luck anyways mate

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