Comprehensive Car Insurance

[sydking]

After an unlucky event i have been looking into full comp insurance - Just car

After speaking to 2 staff and the manager to clear things up, It was confirmed that any modification that is deemed illegal in your state will 100% void the policy at time time of claim

Even if that part was not deemed the cause of the accident.

Ie, Coil-overs are illegal in NSW. Even if fully disclosed with Just car i was told not to even bother taking out a policy as it will be void from the start, same with FMIC that is not from factory ect ect, Even things like non factory ride height can void a claim with Just car.

As most of us are would have Just Car Insurance.

Have any of you made a successful claim with a highly modified car?

Also they would only give a maximum agreed value of $15,000....... Does not matter how many receipts you can provide or mods done to the car

[Sinista32]

1. Engineered as road legal

2. R33 GTS4 $15k max - count your lucky stars if you get anywhere near that amount for insurance

- Sub $10k for a GREAT example. It's not rare/unique/valuable. Performance Mods don't necesarily increase value in fact it may even work against the value.

[GTR-N1]

And the others you've tried are???

Lumleys SV, NRMA, Shannon's, Dawes only do high end stuff but you never know - must go through a broker with Dawes.

As Richard mentioned, an Engineering Certificate can be of immense use to ratify...

[Sinista32]

I use Shannon's (in the ACT) for both R32 GTR "strengthened" & R34 GTT and I highly recommend.

All modifications listed and approved/covered by Shannon's.

[V28VX37]

After an unlucky event i have been looking into full comp insurance - Just car

After speaking to 2 staff and the manager to clear things up, It was confirmed that any modification that is deemed illegal in your state will 100% void the policy at time time of claim

...

This is interesting, as they seem happy to add almost anything to be listed on the policy... thanks for sharing, good to know.

[Manuel Kasko]

I use Shannon's (in the ACT) for both R32 GTR "strengthened" & R34 GTT and I highly recommend.

All modifications listed and approved/covered by Shannon's.

Hey Sin

Are both your cars fully engineered?

Or does Shannon not require that

[sydking]

This is interesting, as they seem happy to add almost anything to be listed on the policy... thanks for sharing, good to know.

I also questioned this, more so with there online quotes. They said they need list all parts/mods of the car as an option for you to tick. As each state has different laws.

Im at the point were id just take out a policy anyway for some piece of mind

Terry il try out Lumleys SV, NRMA and see what they say.

Shannon's wont underwrite me due to age.

[niZmO_Man]

Lumley requires you to be over 25.

[Sinista32]

R32 GTR is road legal - stock but forged with -7's

(except for the current exhaust as you already know from hearing it!)

Neither is engineered nor needs to be, as advised by a certified engineer.

+ 3 times over Dickson pits in the last 11 years.

Edit: Last time 2011 after the rebuild.

Edited February 20, 2014 by Sinista32

[Anfanee]

I also questioned this, more so with there online quotes. They said they need list all parts/mods of the car as an option for you to tick. As each state has different laws.

Im at the point were id just take out a policy anyway for some piece of mind

Terry il try out Lumleys SV, NRMA and see what they say.

Shannon's wont underwrite me due to age.

Shannons will insure anyone. The under 25 thing is bullshit. I got my Modified GTR insured through shannons when i was 21. Basically the same as Richard. Forged motor, -7's etc. had no issue getting it insured and i did it all over the phone.

[Exodus01]

i called shannons to insure my R34 GTT and they would not until i am 25 (was 23 when i called) now insured with just car.

[dyl33]

i called shannons to insure my R34 GTT and they would not until i am 25 (was 23 when i called) now insured with just car.

That's interesting I tried them when I was 23 (24 now) and they would cover me for $16000 but for $2500 a year . Not paying that!

I'm insured with just cars now.

[Anfanee]

That's interesting I tried them when I was 23 (24 now) and they would cover me for $16000 but for $2500 a year . Not paying that!

I'm insured with just cars now.

Ouch.

im 22 and the GTR is $1890 a year insured for 34k :\

i called shannons to insure my R34 GTT and they would not until i am 25 (was 23 when i called) now insured with just car.

you must not be an enthusaist

[Munkyb0y]

IMO Shannons SUCK!.

I was with Shannons for ages, but found them to be pretty crap when it came time for them to do their job.

Accident repair. Not at fault. The faulty party admitted blame and their insurance accepted costs.

Shannons assessor was a total pain in the ass. Was not flexible on anything, was extremely tight down to the dollar.

Even to the point where a damaged tyre would not be replaced, but rather they would contribute only the % value of the remaining tread. ie they would only contribute 50% of the value of a tyre that has 50% tread.

But they happily charge me 100% of the fkn premium every year.!!!

I had multiple arguments with them over this and other matters, to no avail. My repairer, who i know, told me they are one of the worst to deal with.

In the end I forked out extra cash to the repairer to get the job done the way I wanted.

Now I'm with Lumley SV. Agreed value. Lower premiums. All modifications are noted in the policy.

[junkie]

Another vote for LSV here. I'm paying half of what Shannon's used to charge for pretty much the same policy

[macncheese]

That's interesting I tried them when I was 23 (24 now) and they would cover me for $16000 but for $2500 a year . Not paying that!

I'm insured with just cars now.

I've heard companies offering some cheap car insurance under 25 years. You might wanna check it out online.