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Damn Insurance Is A B@#%

Caza

By Caza,
in General Automotive Discussion

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Caza Enthusiast

Caza

Posted
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just car, however i havnt told them bout most my mods lol only the standard stuff like ,pod exhaust rims etc and it came down from about 1850 i think because i had my license for a year and had no claims

sam

hhahah...but if you have an accident without declaring mods they dont cover thats wat i thought?

Hayness Apprentice

Hayness

Posted
Posted

Who you with Gazza750? My insurance last year when I first bought my car was ~$2800 and now im 19 and the renewal came in at ~$2100 with Just Car, so atleast its some relief although they bumped the excess up a couple hundred, farout. Postcode plays a big role in insurance premiums I think.

Also, with Just Car, its my understanding that you pay extra premium for the first 5 or so mods, then after that every extra mod doesnt affect your premium.

evil_weevil Grand Master

evil_weevil

Posted
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gees guys,

theres a shitload of thins that determine the premium - there is no point saying you are paying XXX amount because EVERYONE is a different risk

postcode/state/location, car, age, history, special benfits, determine a premium.

there is no relevence to what people are posting here.

If joe bloggs lives next door to you, has the same car, you are the same age, same driving history, same insurer, EXACT everything - then compare the premium, and if you're premium is cheaper - dont tell him!!!!

Gee's.

lock thread please mods :)

_8OO5TED_ Mentor

_8OO5TED_

Posted
Posted

agreed wilth weevil.

everyone will be different. Gazza750, arent you in your 30s? Perhaps thats why you pay next to nothing for your insurance.

what makes it so hard to believe that an 18yo would be paying $2K+ on a high risk modified Skyline?

i have first hand knowledge of details of single vehicle accidents/claims that Just Cars havehad and after hearing some of the stories, we really only have ourselves to blame for a high premium and those who are a good driver etc etc have to wear the brunt of others stupidity also.

mad082 Grand Master

mad082

Posted
Posted
everyone will be different. Gazza750, arent you in your 30s? Perhaps thats why you pay next to nothing for your insurance.

according to his profile he is in his 40s, so that explains the low premium.

postcode plays a big part of insurance costs. someone in a big city is more likely to be in an accident that someone in a small town. also in the big city you have more chance of your car getting stolen. and of course some suburbs are worse than others.

Gazee Grand Master

Gazee

Posted
Posted
well thats why i started this thread was because they want to charge me 110 bucks for putting in a pod

they charge you for the first couple then after that they dont.. i insured my car with just cars and i told em i had exhaust pod wheels system when i baugh it... then i modded the car.. added to the list fmic boost controller safc 2... they added i think $60-$100

Then i called em back and added my turbo power fc fuel pump inj (but i dont have em all yet) and they upped the value of my car another 1k and didn't charge more on my premium...

I'm not sure exactly how it works but you should hear it all from the horses mouth.. call em and ask em 100 questions thats what their there for..

mikel Community Regular

mikel

Posted
Posted

R33 GTST

aftermarket turbo

pod

FMIC

boost controller

18" rims

3" turbo back exhaust

insurance - full comp from Famous $760 - although I did have to install an alarm

there are some advantages to being over 40 :kiss:

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