Insurance For Under 25's

[MistR33td]

Just wanting to know what other people paid for there insurance....only place in Aus that would insure me was just cars and it cost me $1800 and like a 2000 dollar excess........!!!!!!!!!!! but i had no choice but to go through them...if ne1 found a better insurer pls tell me for future insurance. lol

1995 m-spec GTS-T with a couple mods..nothin special

btw im 19y.o

[Madaz]

sounds about right man i have a S1 Rx7 many years ago was stock no turbo and was paying 1500-1600 cant quiet remeber

did you try young and cool insurance or even famous

http://www.youngandcool.com.au/

young and cool wouldnt insure me cause im too old

[J_Red33]

I wouldn't touch young & cool. When I first bought my 33 & was 23 they wanted a fortune to insure me (rating 1 something like $2300!) & their policy was crap.

The other options I had was Just Car Insurance, Unique Car Insurance & Shannons. Both unique car & Just car insurance wanted more to insure me & their conditions were not as goon IMO.

Unfortunantely I've had to use my insurance more than once with them & apart from one problem I had with them (& was resolved) they've looked after me very well.

[nisskid]

JCI are shit

[vange]

my insurance was due 2day...$908 just cars full comp rating 1

i tried getting a better price but they wont budge lol.

the excess is the killer, when it comes to a car work 11k, id just get 3rd party (thats wat i did with my old GTS cos it was worth 11k), cos if ur gona pay 2k premium + 2k excess, theres half the cars value anyway, u could prob get close to taht if u sold it for parts if u wrote it off, and if its a small crash, do the repairs urself and save the money.

[Whiplash]

I'm 22i have a 95 GTST Mspec and its costing me $1058

I'm pretty happy with it as it was going to cost me more to insure a newer (98 - 99) Honda Accord!!!!

[Madaz]

I'm 22i have a 95 GTST Mspec and its costing me $1058

I'm pretty happy with it as it was going to cost me more to insure a newer (98 - 99) Honda Accord!!!!

who was that with i think im paying $770 full comp with arround $1000 exces and insured for $21,700

Vange try Famous Insurance

Edited November 2, 2006 by Madaz

[Miss*33]

I'm 24, rating 1. I was paying just under $900 with Just Car, but have recently switched to Shannons. It is a couple of hundred bucks more expensive, but we get a bit of a discount for having 2 cars with them, plus their excess is much more reasonable (about $1,600 less) than the one that Just Car has.

[R33fourdoor]

Up until recently, I was using Just Cars Insurance. Renewal was $880 on full rating 1 with an excess of $1100. They offer a "Rating One Protection" for a few bucks more which is worthwhile.

The problem iwith Just Cars is that you have no choice of repairer. This may not be an issue to some of you but when you're paying alot to insure your pride and joy, you want to know that whoever does the repairs will do the best possible job.

I went through this exercise recently as some prick wrecked my rear quarter while the car was parked in the street and never left a note. Had to pay the full excess out MY pocket. So I went to my choice of repairer and got a quote only to be told by Just Cars that I had to get a quote from one of THEIR selected repairers also. Guess who they picked!!!

I have been recommended to H2P Insurance (it is part of the RAA). Prices are pretty much the same as Just Cars but more importantly, you get to choose your repairer.

I believe Shannons also offer choice of repairer still.

[Madaz]

i got recommended H2P checked them out and found they were deer and dont think they did pay by the month they did have an ok agreed value though

shannons wouldnt insure me cause we dont have a lockup garage

that left renewing with Just Cars which i really wasnt happy with there agreed value of 16g

so i looked into famous which was talked about by others on this board as being reputable insurer so i went with them a straight cash payment would of seen my insurance @ $700 full comp rating 1 for life but i didnt have the cash so its pay by the month with 10% on top with agreed value of high $21'gs

[mr_rbman]

try vigil, i'm with just cars at the moment but when my policy runs out in december i'll either be trying them or Shannon's. Shannon's will only touch you though if you hardly drive your car and are a car club member etc.

[Madaz]

yeah my car is a daily to work

[Busky2k]

I wish I could change from JCI but noone else wants to insure me at a reasonable rate cos my driving history isn't all that great, even though I've never made a claim or been in an accident. Ah damn speeding fines... I remember Shannons basically told me to get f**ked.

[Madaz]

when was your last speeding fine and how old r u

[Busky2k]

Almost 24 and have had 1 speeding fine in the last 5 years (2004)- and lost my licence because of it. Ah so gay. You don't think about these things when you have your foot down to the floor until afterwards!!

[Madaz]

boy if u lost your licence cause of 1 fine u must of been traveling

have u run the link i posted Famous Insurance

[GFXman]

Shannons are the way to go. However I do believe they are pretty strict on under 25's so being 19 you might not be in luck.

If you're going to have a turbo import expect to bent over on either price or policy restrictions with any insurer. If you find one tha is cheap, there will no doubt be a reason for it so make sure you read all the policy clauses.

But if you're interested there is a long winded thread here:

http://www.skylinesaustralia.com/forums/in...showtopic=12142

_8OO5TED_ (Matt) mentioned he worked at Shannons. I contacted him to cover my car and got a good price and flat $500 excess. His role has changed at Shannons so the dude you can contact now (i think still) is GTRSOUL.

his post about it is here:

http://www.skylinesaustralia.com/forums/in...t&p=2284980

- Flat excess

- Pay by the month

- Will still cover you if someone else was driving (higher excess)

etc

I was with Just Cars (who were fine) but after needing to make a claim for a break-in and the excess was 1400+ the decision to change wasn't a hard one.

Edited November 5, 2006 by GFXman

[Black_Vash]

I went through this exercise recently as some prick wrecked my rear quarter while the car was parked in the street and never left a note. Had to pay the full excess out MY pocket. So I went to my choice of repairer and got a quote only to be told by Just Cars that I had to get a quote from one of THEIR selected repairers also. Guess who they picked!!!

I have been recommended to H2P Insurance (it is part of the RAA). Prices are pretty much the same as Just Cars but more importantly, you get to choose your repairer.

Yeah i had problems with Shannons they quoted me $2000 a year for just me as a driver and i have a clean driving history, where H2P i am paying $110 per month which is a little easyer to pay then Just car insurances one off payment. As what was said H2P you get to chose your repairer where with Just car your cant, But remember its all good with insurance i would hate to not drive my line without it

and BTW always ask lots of Questions like what you are covered for and what your aint and allways make sure you get a Statment of Advice before you chose the insurance policy because if you rush in to it and just sign the dotted line thats how you might get ripped off trust me i used to work in Insurance

[Madaz]

... As what was said H2P you get to chose your repairer where with Just car your cant,...

um i think this is a falacy my mate has just made a claim with JC and he chose his repairer

[J_Red33]

I'm surprise some of you guys have had so much trouble with shannons. I'm not in a club or anything, I don't have a lock up garage (only a carport & thats what I told them). Though I didn't have any speeding fines to my name of any sought.

And yes the do give choice of repairer & agreed value, which is always a good thing to have.