Anyone Other Than Justcar?

[SMOKEYV35]

hey, i've read the stickied thread for insurance, but it doesnt seem to have been updated recently, and not much that is helping me in my quest to get insurance quotes.

i have called

lumley special vehicles: no

famous: no (nobody under 30 as of 5 months ago)

shannons: $2,186 pa (this after a 10 minute bloody phone call building a 'profile' and proving i was a 'car enthusiast'.)

justcar: every one i speak to says 'just cars', and justcar has quoted $1,242 pa (27yr old, rating 1, no claims, 1 speeding fine in 5 years (5km/h over).

AAMI and GIO don't even list nissan stagea's in their online quote system, so i doubt it's worth bothering - so does anyone have any other leads?

[pipster11]

shannons are usually the cheapest but you have to be in a car "club" and over 25 (sau counts and you can be under 25)

i think they are underwritten by aami like justcar so the price should be the same

i'm with justcar and its about 1,400 / year paying by the month (~$130/month) (20 y/o, rating 3ish, no claims, couple of points lost)

with justcar, you have to have an aust standards immobiliser that is installed by a pro

[SMOKEYV35]

shannons is underwritten by AAI. and they were not the cheapest - over $2k. i told them i was a member of NDSOC, and i am over 25, so if that is the best they can do then i'd be interested to hear who is getting cheapest prices off them.

justcars is undewritten by AAMI. the car is fitted with a blackwired alarm so should be no dramas there. i can get the price down lower if i want to pay more excess, which is what i might do ultimately. i'm really only insuring against the financial loss of the car, so that if i do total the car - i can at least get some money back to get another car so i can get to and from work every day.

[Brendan&Ana]

shannons is underwritten by AAI. and they were not the cheapest - over $2k. i told them i was a member of NDSOC, and i am over 25, so if that is the best they can do then i'd be interested to hear who is getting cheapest prices off them.

justcars is undewritten by AAMI. the car is fitted with a blackwired alarm so should be no dramas there. i can get the price down lower if i want to pay more excess, which is what i might do ultimately. i'm really only insuring against the financial loss of the car, so that if i do total the car - i can at least get some money back to get another car so i can get to and from work every day.

through shannons mine was $1600 with mods last year i am 27 in a bad suburb and lost license 1 time 1 claim for mrs and nrma are wanting our business so and are willing to beat them this year but last year wanted $2500

[GTR-N1]

The Just Cars quote sounds reasonable.

The only company that can match that, is Guild Insurance but contingent upon you being in the health industry or that one of your parents is a Dr/Chemist and has is insurance with them with surgery/chemist/car/house. They insure grey imports if you meet the above criteria. More info can be supplied...

[darrinspencer]

I am with shannons with most of all my mods listed

Only paying $1276/year 65% NCB for 2 cars and that covers my stagea ($21000) and 2009 Kluger ($45000)

Also have house and contents to get multiple policy discounts

[SMOKEYV35]

The Just Cars quote sounds reasonable.

The only company that can match that, is Guild Insurance but contingent upon you being in the health industry or that one of your parents is a Dr/Chemist and has is insurance with them with surgery/chemist/car/house. They insure grey imports if you meet the above criteria. More info can be supplied...

my old man is a doctor and my old lady is a registered nurse? he owns his own practice, so there is a very good chance that might be helpful to me. can you send me some more details??

otherwise i'm going to go with justcars and bump the excess up.

[Hanso]

Shannons for $1134.54 per yr. 65% NCD, $500 Basic excess, and includes my mods.

[GTR-N1]

my old man is a doctor and my old lady is a registered nurse? he owns his own practice, so there is a very good chance that might be helpful to me. can you send me some more details??

otherwise i'm going to go with justcars and bump the excess up.

I'm a pharmacist and I've had a 7-digit Client Number due to insuring stuff with Guild Insurance.

My son is in market research (-not in health industry - and he's 27 too). He owns a GT-R and was paying over $2K insurance with Just Car.

After I visited Guild Insurance at St Leonards, they checked my background > then asked for current proof of my son's insurance and driving record > his premium has now dropped to $950pa. He now has a Client Number.

Guild Insurance simply wants to reduce their risk of payouts by focussing on a particular demographic.

Shannons does it by insuring enthusiasts.

Guild does it by insuring people in the health industry.

In essence, if your father or mother insures anything at all (with Guild), they'll get a Client Number. Then I assume, you can piggyback him/her.

[SMOKEYV35]

thanks terry, i'll follow it up tonight.

how do you get a copy of your driving record, out of interest?

[Stagea_Neo]

Shannons for $1134.54 per yr. 65% NCD, $500 Basic excess, and includes my mods.

Same here with me at Shannons they are more flexible and give agreed value.

Just cars are tight wads and would not insure over $14000 but would happily take $1300 off me!

Stoooopid RACV wanted $2400 a year and would only insure it for something equally as stoooopid around $6000.

I actually said down the phone "F.... Off your trying to rip me off!! I'll be going to a respectable company" and hung up on him.

It's a shame GIO custom cars closed shop earlier this year was getting $575 full comp $17500 agreed for last 3 years

[SMOKEYV35]

ok, so why did shannons give me such a b/s price then? i told them i was a car enthusiast, had been involved with clubs, and even been an organiser for the 2001 skyline nationals in shepparton. yet still they quote over 2k without even asking the purchase price. i spoke politely and honestly, so what gives?

i can get it as low as 855 with justcars, just means i'll have a 2000 excess which to me is acceptable risk. any damage less than 2k i would fix myself anyway.

[Hanso]

ok, so why did shannons give me such a b/s price then?

What mods do you have? Driving history? Previous accidents? Previous insurance claims? Age? Location of car? It could be any of these and others I can't think of. As to the quote you got from Shannon's, your guess is as good as mine.

[SMOKEYV35]

What mods do you have? Driving history? Previous accidents? Previous insurance claims? Age? Location of car? It could be any of these and others I can't think of. As to the quote you got from Shannon's, your guess is as good as mine.

i'm 27, nil accidents, nil claims, have had one speeding fine in the last 5 years (5km/h over, fixed camera on the freeway) - and the car will be garaged in an underground security gated carpark in southbank. i pretty much DEFINE the perfect insurance candidate.

i've also had two other policies with justcar before, both for turbo skylines from the age of 21 till 24. every year the policy price dropped significantly so hopefully this is the case again this time.

[Stagea_Neo]

geeez, i went through that with a lady at Shannons 3 yrs ago but at $1100 and she said your not an enthusiast ....not insuring you, i thought get stuffed (wasn't gonna rant about myself what i've done car wise), so that's when I rang GIO and got put through to custom car section. bargain ....also only just started to cover Vic. customers about a month prior.

when I rang Shannons this year around Feb no hassle whatsoever, was very happy with the customer service and

flexibility with the policy. Guess try calling them again and hope for another person?

ok, so why did shannons give me such a b/s price then? i told them i was a car enthusiast, had been involved with clubs, and even been an organiser for the 2001 skyline nationals in shepparton. yet still they quote over 2k without even asking the purchase price. i spoke politely and honestly, so what gives?

i can get it as low as 855 with justcars, just means i'll have a 2000 excess which to me is acceptable risk. any damage less than 2k i would fix myself anyway.

[SMOKEYV35]

Guess try calling them again and hope for another person?

i've heard of people doing this and getting their quote down over successive calls. just goes to show though, that they must be fairly arbitrary with their quoting.

if i sign up for an SAU membership today, i bet that will knock money off - but i honestly don't understand the logic behind that - belonging to a club that does khana's, drag day's and is generally performance driving oriented , and that drops my premium??

the other option i'm considering is calling them and playing my justcar quote against theres and seeing if they will match. i'd much rather go with shannons because of their lifetime repair guarantee, and choice of repairer.

[BoostedBarge]

I switched to Shannons from Just Cars a few months back. They were marginally dealer (somewhere around $1200 I think), but things like free windscreen are nice. I've also put my wife's Mini with them and now the house and contents to get multi-policy discount. I just told them that I go to a few motoring events and do my own maintenance. The guy on the phone even knew what a Stagea 260RS was and also knew what a John Cooper Works kit is on a Mini

[atomaly]

I tried to get mine with Shannon's but they just said, if your car isn't garaged in a lockup garage. then piss off. and basically hung up on me.

so I'm still with Just Cars. premium is about $1000, with $1000 excess.. not too bad considering... >.<

[SMOKEYV35]

ah well, looks like unfortunately i'll just have to go with whoever is cheaper.

i would like to go shannons, but its just disappointing that even despite their obviously stringent check process and 'hand picking' of their customers, they still have significantly higher premiums. where as justcars, which obviously is the 'go to' for every other import owner, including all the hoons and young 'at risk' drivers is still the cheapest. i guess the only way to voice my protest is with my wallet when i take my business elsewhere.

anyway, enough complaining. at the end of the day i just hope i never have to use the insurance!

[910trx]

shannons are not bad

i am with just cars for the stagea but have my bluebird through them although even with the multiple policies just car still wins by $200 per year.

i have an imobiliser fitted by a certified installer - garaged - but i dont care for the stag that much, its just a nice car that does what i want when i want it to - if it goes bye bye - i just want to recover my costs (or 90% of) - about $900 p/y with the 23y/o mrs as a nominated driver.

the blue has agreed value, full comp, full list of ALL of my mods and it was cheaper than 3 party with fire and theft. i struggled to find anyone who would touch it or if they did give me anything above redbook value which is 5/8 of F*** all!

mind you if something happened to this car i would cry for days in the shower slowly rocking back and forth.

Shannons are not bad at all, infact i am quite happy with their service - just like to have the stag with them but that $200 i can spend on rego or something.

Try if you have home insurance, to see if your company will take on the import - some do.