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Erik - its not JUST rac that does this.... unless you have agreed policy OR your car is vintage or something spesh - then I am pretty sure the depreciation will occur in the insurance amount. I had my 180sx insured with RAC and the insured amount did not depreciate. Get your sis to ring RAC and inquire

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HI erik

that can work in your favor aswell , if the market value depreciates on the car which it would you can negotiate your premium , I am with famous for my line and it was set to market value of $27000 : 2800$ a year GTST 95 R33 20yo

they rang me up and said they could only insure for purchase price $19500 , so I said ok but its not fair that i pay the same amount for my premium if your going to pay me stuff all if i crash it

they agreed and lowered it by $100 , i ' negotiated' a bit more they spoke to their manager and lowered it now to 2500 , so thats a lot cheaper

I plan to speak to them again soon to renegotiate my contract as they will match competiors (usually) if not i will go elsewere

as for your insurance either get her a lower premium with RAC by doing that or reinsure the car for agreed value . 2 different forms of insurance if they wont do it

try WEST QBE or Suncorp Metway i have found them to be very helpful and have 2 different cars insured with them . tell them what you want if your not happy take your business elsewere

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