Justcar Insurance - Low Agreed Values

[Trav33]

I've just renewed the insurance on my 33 with JustCar, and was surprised to see the agreed value had dropped to $12,850. I thought agreed value was a figure that was agreed upon, unlike Market value, which drops every month/year.

I told JustCar about $4k of upgrades, and they increased the agreed value by about $200!!! I complained, saying i want a higher agreed value, and want to pay more premium because i dont want to be underinsured, and the most they could raise it to was $14,250.

Has anyone has similar problems with JustCar? I'm thinking of speaking to Shannons for a quote now.

[/2on]

Thats pretty bad but i cant say ive heard good things about just cars, a friend of mine who does insurance (not cars) warned me not to go with just cars but go for H2P i got a way better quote with them then what i did with Just Cars so you should give them a call too

Edited August 20, 2007 by /2on

[heslo]

That's odd... I'm with just cars and insured for $19000. R33 GTS-t also

[cruzin33]

If you have a agreed value of what you have spent on your car it shouldnt drop vale at all but then again ever time i call justcar insurance i get a diffrent answer.

[whatsisname]

I've had a few 'average' experiences with Just Car insurance.

Many years ago I was insured with JC, very briefly! They were... 'insert a four letter word here'

I also had a young guy in a S14 200SX that decided he would turn right from the left hand lane of a two lane roundabout whilst I was proceeding straight ahead - he was insured with JC. I was in my girlfriend’s car at the time and it was covered by AAMI, which JC are connected with. Without going into detail all I will say is I was absolutely blown away by how unprofessional JC were at handling their client and his at-fault claim. I also found out that AAMI doesn’t really liaise with JC at all - food for thought.

I am currently insured with Ryno Insurance Services. These guys are fantastic to deal with, offer a better level of service than Shannons (having dealt with Shannons in the past) and cater specifically to the modified enthusiast market. I have agreed value of $38,000.

[jurule]

Yep i was with Just Car, and they were shit. I hadnt made a claim and when it came to paying my new premium they had increased it. Simply because Skylines had been in more prangs or more had been knocked off so, everyone that owns one, gets screwed rather than rewarding those who dont claim. I had been a rating one and been with them for years too!

Thats why i went to Shannons. Agreed value, $16,500 for R33 GTST with mild mods. Choice of repairer etc.

[cruzin33]

Might have to give Ryno Insurance Services a call, how long have they been around for?

[Hillzy]

I need to get out of JustCar, my 95 33 is agreed at only 10k and they can't do any better!!!

If I ring them and tell them I want it valued higher and threaten to change companies will they raise it?

[scandyflick]

its worth a shot. probably best for you as well, even if they tell you to go, im sure you can get better value then 10k.

[Hillzy]

Yeah I think I'll give it a shot

[Deluxe]

Yeh i'm with Shannons and i've only just renewed mine, Still the same ol agreed value that hasn't changed in a few years.......$22k

[theminuz]

my 32 gtst is insured with RAA H2P, in my first 12 months with them i had an agreed value of 17,000 and paying $73 per month

when i followed that on for another 12months they sent me out the new agreement stating that this had dropped to 14 something and now i pay $85 a month...

i think i might soon get off my ass and see if there are some better opportunities with insurers.

[envied33]

i dont really get how it works, it costs more for me to fully insure my ford laser (02 model with about 6k of mods) than a skyline or rex... i mean serioously, i think i have more chance of something bad happening in a turbo, than a fwd 1.6....

[Luke_ENR34]

im insured with just cars, no problems as yet, but when i start modifying we will see how they go.

i got an agreed value of 22grand with a 1800 excess and 1500 a yr.

[Madaz]

im with Famous Insurance

agreed value of $21,700 S1 Na but modified turbo $77/month rating one

[chops]

Agreed values will still decrease from time to time, as all cars depreciate.

Unfortunate fact of life.

[harvesteros]

ever time i call justcar insurance i get a diffrent answer.

Absolutely true, I have found if you don't like the initial answer call back again later. First person wanted approx. $1500 yearly because I was rating 2, second person said I was rating 1 and only had to pay $890/ year.

[32 4whore]

my 4 drs insured for $8000.

LOL.

So the $20, 000 I have spent on it means nothing.

YAYYYYYYYYYYYYYYYYYYYY

JC's rocks my world

Edited August 21, 2007 by 32 4whore

[barricade]

I am going with H2P they are the only ones that would insure my car with the mods for under $1250, Just Cars said they would insure it but wouldn't pay it out if I have an accident because the mods are not "road legal" in SA.

[rubzy]

just cars doesn't seem to make much sense then, my 93 r33 gtst agreed value is $15,000. dunno how that 95 skyline is only agreed @ $10,000. I've only got a few mods aswell, been with just cars for 3+ years and haven't had any major probs.