Insurance

[Grizzler]

Hey all

Getting closer to picking up my R34 gtt 4 door.Was just wondering which insurance company do you use or recommend??

[GTR-N1]

Ring each of Shannon's, Just Car and Lumleys SV, Chris.

...to see what suits you best according to your record, your postcode, the car itself...etc...

...and proportional to your sum insured, your excess...etc...

"Search" button will reveal much...

Welcome to SAU!

[Grizzler]

Thank you Terry for the welcome...Lumleys have been the best so far.Some of these everyday companies eg NRMA are ridiculous with their prices..They scared or somethin lol

[Cadmoon]

Yes, don't want to take the risk with a 'hoon' car. I'm with JustCar and they are quite good, I would go with Shannons but as I'm under 25 the conditions they whacked on where not worth it.

[Grizzler]

Im 44 and Just Cars wanted 1300 or so.Lumleys quoted 900..Pretty happy with that hey..Shannons asked me questions about why am i a car enthusiest and all sorts of crazy stuff.They didnt think i fit their criteria..I thought they were jokin.

[SMOKEYV35]

Shannon's can get bent as far as I'm concerned. Everything about their elitist business model reeks. Even once I went through their rigmarole and proved I was a sufficient 'car enthusiast' to an arrogant and indignant prick on the other end of the line, he then churned out a quote of no less than $3500 for a stagea (!!) I paid 16k for. Clearly spelling out to me that they in no way wanted me as a customer. I ended up finding insurance elsewhere for a quarter of that price, full comp.

I'd only place Shannon's mildly ahead of just cars (who are aami) and I will never re-insure with aami as long as I live.

I'm with RACV - for my v35 - 29 yr old w no claim or driving history, full comp, choice of repairer, windscreen cover - $890.

Edited February 25, 2013 by SMOKEYV35

[xntrq]

Yes, don't want to take the risk with a 'hoon' car. I'm with JustCar and they are quite good, I would go with Shannons but as I'm under 25 the conditions they whacked on where not worth it.

If anyone is to go with JustCar, I strongly advise everyone to read their PDS first and read every line over and over again until you get it 100% so if in the event you do get into an accident, you know what to say to be able to cover yourself. There's quite a few points in there that I'm not satisfied about, namely if you get into an accident, the car has to be repaired by their selected smash repairer. Given that insurance jobs with Skylines would require new parts which isn't readily available, the cost of repair is jacked up and the chances of being written off is high. In short, you don't get a say in where your car goes to repair as I would have mine repaired at a JDM specialist.

Been through the claims with NRMA and now I'm with JustCar but I would consider swapping back to NRMA based on their PDS. Another point in favor for NRMA is that if the other person threatens court action to dispute against a claim made against them and holding them at fault, NRMA will back the person 100% in who they believe is not at fault. JustCar requires you to represent yourself which also includes attending court dates.

[Sklyn]

I'm with Justcar. Had a claim a few years ago, no hassle at all. they sent someone around, had a quick look, approved claim as repairable write-off, i bought the car back very cheap and sold it as parts..

Very happy with everything about them which is why I went back when i bought my new Line

[Booki]

Was with Just Car

R33 95 GTR

$1770 a year

Excess: 625 +600 + 400

Quote from RACV

$1000 a year,

Excess: $2000 + $400

Better Agreed Value

Choice of repairer

Now with RACV for 23 year old male

[Grizzler]

Interesting read guys..Thanks for the info..I'll be looking into RACV cause that sounds pretty cheap Mat..After all we're all after the best and cheapest quote.And Ricky i hardly ever read the PDS but now i think i better

[Grizzler]

I just went online to get a quote from RACV and said to call them cause they wont do quotes online to other states other than Victoria...Looks like i'll be on the hooter tomorrow.Does anyone know whether they do insure outside of Vic??

[Sklyn]

what state are you in, try that states equivalent.

apart from just looking at the cheapest, consider the excess and coverage too.

cheaper premium, usually means a higher excess. Fine if you just want cover for major damage, and always make sure you are clear on what will be covered.

eg, if someone steals my wheels or my stereo i have an agreed value of replacement.

There are so many variables that determine which will be best for you, just work out exactly what you want vs what you are prepared to pay and find the closest match. Every company will have good and bad reviews.

[Grizzler]

Im in nsw dont know the equivalent here

[GTR-N1]

Equivalent of RACV in NSW is the NRMA Chris.

Sometimes, NRMA won't give you the sum insured that one thinks one is entitled to - yes, mods as well.

[junkie]

Gave Shannons the boot after 7 years. After moving house, my premium went up $500, and paying by month added an extra $200 on top of that. And thats for a limited use policy... for a 32yo with clean history and max NCB

They are not the company they used to be. You no longer get a car enthusiast on the phone - last girl I spoke to had no idea what a 200SX was. The calls are probably just taken by a generic Suncorp call centre now

LSV gave me a slightly better policy at half the price

[badben]

The calls are probably just taken by a generic Suncorp call centre now

Edited March 5, 2013 by badben

[badben]

Junkie you hit the nail on the head. AAMI, just cars, shannons are all owned by Suncorp Metway. I've spoken about this topic last year and my experience with shannons refusing a claim and what I went through. A quick search and you may find it.

To be honest, we all try and get the best prices but what about when theres an accident,My question is, Do they use original parts?, Is the process simple?

If ones car qualifies for NRMA VVC, there specialty insurance is worth a look.

[junkie]

LSV give me choice of repairer, just like Shannons... which is good but there's always some fine-print. It wont mean they have the freedom to use new or OEM parts, and even your preferred repairer will be pushed down on price... as I learnt from my one and only claim with Shannons a few years ago

My 200 needed a replacement bonnet and front bar, both of which were secondhand items and not in the best condition. The job itself (my preferred repairer) wasn't 100% spot on, there was overspray, missing rubber knobs from bonnet and radiator support, buffer damage on my window trims... kinda disappointing after some really good work they did in the past, and I'm sure the secondhand bits were Shannon's idea as new parts are still available from Nissan

[badben]

Yes thats always a problem across the board, Used parts or chinese knock offs. I learnt from my brother you have to be persistent with your panel beater.