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Question about Just Cars Insurance

Guilty

By Guilty,
in General Automotive Discussion

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Guilty Proficient

Guilty

Posted
Posted

hey guys,

im about to change from full comp insurance with famous to third party fire n theft with justcars. Well i just got quoted by just cars, and there was a part in the excess section that im not quite sure of. It says:

• An additional excess of $400 applies to your policy due to the modifications to your car. This excess will need to be contributed to each claim for loss or damage, including theft.

when it says ".....contributed to each clam for loss or damage, including theft" does that mean that when the mod itself is actually stolen or damaged that they will cover and replace my mod?

Im not quite sure what that means exactly. Can someone explain

so does dat mean that if i dont state the modson my premium, the premium it mite be lower and i wouldnt have to pay the extra $400 excess if it gets stolen or damaged?

Also one last thing....does the purchase price of the car affect my premium? I bought my car for 25k and if i undervalue it and state that i purchased for 20k, would that reduce my preimium price by much if any?

Thanks in advance......

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Tigger Collaborator

Tigger

Posted
Posted

Just Car Insurance: 13 13 26

Dude its probably best to just ring them up and ask.

Maybe you wanted to share the info for all to see but i dont think its any use for ppl to speculate on what it means to be surprised later when they do ring up to make a claim.

Cheers~!

Guilty Proficient

Guilty

Posted
  • Author
Posted

well i can't exactly ask the just cars insurance company, hey if i say my car is worth less than it really is, will my preimium go down? like i cant exactly ask them dat can i? so im just tryin to get some opinions from more experienced people who have been through the same process im about to go through and have dealt with just cars as well..I find insurance companies try to rort you more then they like to help you...so i rather trust people who are in the same shoes as me, and thus fellow skyliners.

drewecrome Rising Star

drewecrome

Posted
Posted

Hey mate, why did you change from Famous to Just cars for? I have got third party, with Just cars at the moment. But the reason i didnt get fire and theft as well was because they only give you $5000.00 if your car is stolen. Did you know this already, coz it seems pretty stupid to pay the extra cash each year for fire and theft, if they are gonna give you only $5000 for you $20,000- $25,000. What do u think?

NJR 34GTT Proficient

NJR 34GTT

Posted
Posted

The $400 is for ANY claim for theft/damage because your car is more likely to attract theives attention and more likely to crash(apparently) because it is modified.

I'm with Just Cars and I have to pay the modded excess on any claim.

Also I would not even consider lying about your mods because they can and WILL completely void any claims if you lie about whats done to your car. Is it worth the extra few hundred dollars if your car gets written off and they won't pay you a cent? I don't think so.

siksII Grand Master

siksII

Posted
Posted
Hey mate, why did you change from Famous to Just cars for?  I have got third party, with Just cars at the moment.  But the reason i didnt get fire and theft as well was because they only give you $5000.00 if your car is stolen.  Did you know this already, coz it seems pretty stupid to pay the extra cash each year for fire and theft, if they are gonna give you only $5000 for you $20,000- $25,000.  What do u think?

also take into account the 1500-2000 dollar excess, which means you only really get about 3000 in the end. i would stick with straight third party, no fire/theft coverage.

R32Skyliner Enthusiast

R32Skyliner

Posted
Posted
The $400 is for ANY claim for theft/damage because your car is more likely to attract theives attention and more likely to crash(apparently) because it is modified.  

I'm with Just Cars and I have to pay the modded excess on any claim.

Also I would not even consider lying about your mods because they can and WILL completely void any claims if you lie about whats done to your car. Is it worth the extra few hundred dollars if your car gets written off and they won't pay you a cent? I don't think so.

I've heard that they will do this if you fail to list any mods. Don't lie to them or they will bend you over like a true insurance company. :whip:

nmcmahon83 Proficient

nmcmahon83

Posted
Posted

One would hope not considering they are "The modified insurance company"... So as long as you lsit all your mod's and aftermarket parts etc, if they agree to insure you, hopefully you'll get the cash, but i'm interested to hear of anyones problems in regards to this.

Yotis Experienced

Yotis

Posted
Posted
well i can't exactly ask the just cars insurance company, hey if i say my car is worth less than it really is, will my preimium go down? like i cant exactly ask them dat can i? so im just tryin to get some opinions from more experienced people who have been through the same process im about to go through and have dealt with just cars as well..I find insurance companies try to rort you more then they like to help you...so i rather trust people who are in the same shoes as me, and thus fellow skyliners.

I'm surprise how no-one has asked you already.. Anyway.. Are you on drugs?

Your asking an insurance company to insure you, yet you with helding information (mods)? Your right no-one in their right mind will ask the insurance company that question (unless its a joke) , how do you think you'll react if your on the receiving end of the question?

Your right the insurance company is not one to trust as they are just a business, they have to weight the risk of insuring you with your vehicle. I would definitely suggest you ask insurance company to clarify their policy. List all your mod with your policy when you take it out, save yourself the pain that would occur later if and when something happens to your car.

I have had a full comp. policy with JC before and the policy is agreed value, meaning they charge me a set premium to insure the car for a set value.

Oh I second NJR 34GTT's comment too. :D

Burto: JC's policy states that they will insure you with watever mods as long as they are legal. Your situation seems unique, I would also be interested to find out too. Won't it make sense to ask JC now rather than later? Better to findout in advance if they are going to void your policy now then when you actually have to make a claim. Choice is yours tho.

Duncan Grand Master

Duncan

Posted
Posted

We're currently going through a large claim with just cars...will keep you posted...so far so good :D

Don't leave out any mods.....they will joyfully point you to the clause that says you have to disclose all mods....and then refuse to pay you. By saving $400 you end up with *no* insurance.

With regards to stating a lower value than you bought it for.....is it a market value or agreed value policy? If its agreed value whatever you insure it for and whatever you pay for, is all you get if it is written off.....so yes you could save a few $$$ but you will get less pay out.

Guilty Proficient

Guilty

Posted
  • Author
Posted

Yeah..i dun think i will be going with fire and theft either...not really worth it..but still deciding...

and drewecrome, i changed from famous to JC, because famous cancelled my insurance after they found out i had my license suspended, they also told me that they wont cover me for 3 years. So gonna change from full comp to third party with JC........

And yeah keep us posted duncan with the claim case...i hope i never have to make a claim..but just in case..=)

  • 2 weeks later...
Skyline_Dreamer Explorer

Skyline_Dreamer

Posted
Posted

I got quoted $1200 by Famous. The weird thing was they asked if I had received any other quotes. I said, "Yeah, Just Cars". Then they ask, "How much" so I say i will tell them but they have to give me their quote first.

When I told them I was quoted $1168 with JC, they went away & said $1100.

Also they "think" the excess was $1000 which is standard, but cannot confirm until they receipt payment.

You can also pay by the month if u wish.

I might go with them.

thechief Apprentice

thechief

Posted
Posted
I got quoted $1200 by Famous.  The weird thing was they asked if I had received any other quotes.  I said, "Yeah, Just Cars".  Then they ask, "How much" so I say i will tell them but they have to give me their quote first.

When I told them I was quoted $1168 with JC, they went away & said $1100.

Also they "think" the excess was $1000 which is standard, but cannot confirm until they receipt payment.

You can also pay by the month if u wish.

I might go with them.

For an extra $68 i'd be going with an Australian based insurer, even if it is AAMI, not one situated on an island off the UK.

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