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What the hell is wrong with insurance company's

Dragon18

By Dragon18,
in General Automotive Discussion

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Dragon18 Rising Star

Dragon18

Posted
Posted

i dont get these dman company's lol

iam buying a nissan 180sx type x 94 model soon

and about a month ago i rang and got a quote off them for 3200 buckz full comprehensive? now iam 19 =) driving for a year but becoz iam on a nominated driver policy they dont count it

now just today i rang up gave em exactly same specs everthing they say its $4000

and then i ring up 1 hour later and they say its $3800

whats wrong with these poeple hehe +)

i have kept the quote numbers with the good prices on them? does that help me at all?

let me know what ya think guys thanks?

maybe i should get a job in an insurnace company lol

Guest INASNT

Guest INASNT

Posted
Posted

when u ring for a quote its just a random number they pull out of the air!

Ring up and say u just got your license and u r 18 and just won tattslotto and bought a $500,000 new lamborghini, and that u live in Dandenong and see what price they give ya!:eek:

Guest tgriffin

Guest tgriffin

Posted
Posted

Quite seriously - I have called up and given the same details to an insurance co and gotten very different prices.

I don't understand how they get variation given they type it into a freakin' computer form!

P.S. I know it's been asked, but does anyone in NSW have cheap insurance for an under 25 for an R33 GTS-T?

SS8_Gohan Grand Master

SS8_Gohan

Posted
Posted

sorry tgriffin can't help ya...

that's my u don't go under parents name or something, ur not getting a rating as u drive.....damn cheap tho...

just cars was the same for me, 1 month, 4500, then next month 6700, now it's 4712, so i have no fcking clue either....

yep, xcuzme, i was quoted $108,000 for an R33......:lol: :lol:

Cubes Grand Master

Cubes

Posted
Posted

When I got insurance it did vary by $100.

RAA had family benifit going which required my parents car to be transfered to RAA and for them to say that i've been driving their car since i've had my license. And it also required that you have never had to claim due to it being your fault.

Anway i dropped 1 rating for every year that I had driven. At the time I was 20 So it ended up getting me a rating 2.

Next year I got my rating one but I lost it as my G/F rolled my car down the drive way while it was idling..(VS 5l Commonwhore) :)

With a rating 2 when I bought the skyline I was quoted around the $1500 mark.

I rang a while back (renewal Rating 1) and was quoted $1200 so I hope its still 1200 as the renewal is coming up soon I think.,.. I'd better check.. :(

Also I am now 22.. And with Just Cars.

funkymonkey Grand Master

funkymonkey

Posted
Posted

the reason you got differnt quotes may be the fact htat you FORGOT to mention sum stuff, like black wired alarm system etc, which decreas the price of insurance.

Also sometimes the operator rounds your age UP and other times they round it down so sometimes your age varies lol don't ask, this is what a mate of mine who works at Just cars told me.

Guest tgriffin

Guest tgriffin

Posted
Posted

Maybe if you told me his name I could get him to do some rounding up :)

Originally posted by funkymonkey

the reason you got differnt quotes may be the fact htat you FORGOT to mention sum stuff, like black wired alarm system etc, which decreas the price of insurance.

Also sometimes the operator rounds your age UP and other times they round it down so sometimes your age varies lol don't ask, this is what a mate of mine who works at Just cars told me.

Cubes Grand Master

Cubes

Posted
Posted

No everything was the same. The car was totally stock with a Clifford Alarm. Well it was stock... :D

And they still varied.

My oldies recently bought a Haynes Signature 550C and with SGIC which they have a total package 2 houses, landcruiser etc etc. the price also varied between two people.

In fact the price was dearer when the supervisor quoted.

  • 2 weeks later...
Southo Collaborator

Southo

Posted
Posted

There are many reasons.

most companies work on a poinst system - you ask the questions - add up the points and there is the premium..

other reasons may include,

1. The operators may be making mistakes - if the car you want to insure is an import, then it won't be listed in the Dealers Guide, or on their system etc, so they have to look it up manually, If they are not "into" cars - they may not pick the exact correct car (ie, 180SX with 1.8L might be different points to a 180SX with 2.0L, then there are turbo vs Normally asprirated etc

2. The value that they put on the car - eg - there are sum insured brackets - if your car is insured for $14990, it may be a lot cheaper than $15000 because that is there the next bracket starts.

for example - their sum insured brackets might look like this

$0,000 to $4,999 = 10 pts

$5,000 to $9,999 = 15 pts

$10,000 to $12,999 = 17 pts

$13,000 to $14,999 = 20 pts

$15,000 to $17,990 = 24 pts

if they asked how much you paid and you said $14,500 then that gets 20 pts, but the book value (market value) might be $15,000 and they use that which gives you 4 points extra.

3. They might have forgotten to include the GST or Fire Service Levy etc

With (on average) most companies using about 12 to 15 different rating factors, there is lots of room for error if the exact same information is not entered/looked up.

Hope this helps you understand a bit more

trust me - it's not easy training "non car enthusists" to understand the many types of cars there are, as well as modifications and what they mean etc. Sometimes errors happen - they are only human after all

  • 6 months later...

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