Insurance

[Godzil_R]

26 playing $1150 with HBF on $25000 R32 GTR

hi mate i ring hbf and they say they don't insured import

[ossie_21]

hi mate i ring hbf and they say they don't insured import

I read on another thread that someone was insured with a company (pretty sure it was HBF), and then they stopped insuring imports. But because this guy was already insured with them he kept his insurance going, may have been a loyalty thing.

I will be going with Just Cars, 19yo r33 gts-t for 18k will be about $1800. Fairly stock at the moment, but will be getting a few decent mods muwahahaha!

[Rhianne]

we only just took up our insurance with HBF so thats a crock about them not insuring imports anymore...

[Flite]

I find it depends on who you talk to at HBF, some say they dont, ring back talk to someone else the next day and they say they do. I love when they say, there is no 1989 GTR are you sure its not a 1990, we dont have a record of 1989 GTR being produced.

[MrGTST]

I am renewing my insurance right now and I rang HBF yesterday.... they were happy to insure my R33 until I told them about my mods... I was told because I have BOTH and intercooler and apexi computers I was automatically declined....

[RTHRTY3]

im 26 and just cars insured me r33 gtst and mods for $1130 per year with 1k excess...

60% NCB insured for 21K....

Sorry to bring this up again. But i just got a quote with Just Cars for a full comp. for $960 per year insured for $15000 with a 60% NCB, but with a $1300 worth of excess. Does this excess sound right? How much excess are all u guys paying with Just Cars?

My Excess is for:

* Standard excess = $300

* Age excess 22-25 yrs old = $300

* Endorsement excess (watever thats for) = $700

** Total = $1,300

ta.

[ossie_21]

Sorry to bring this up again. But i just got a quote with Just Cars for a full comp. for $960 per year insured for $15000 with a 60% NCB, but with a $1300 worth of excess. Does this excess sound right? How much excess are all u guys paying with Just Cars?

My Excess is for:  

* Standard excess = $300

* Age excess 22-25 yrs old  = $300

* Endorsement excess (watever thats for) = $700  

** Total = $1,300

ta.

JCI do screw you with that additional excess that dosen't even say what it is for. Just hope you don't have to make a claim.

[gun-r32]

27, R32 GTR, $1184 Just Car Insurance, 20% NCB

[Godzil_R]

Sorry to bring this up again. But i just got a quote with Just Cars for a full comp. for $960 per year insured for $15000 with a 60% NCB, but with a $1300 worth of excess. Does this excess sound right? How much excess are all u guys paying with Just Cars?

My Excess is for:  

* Standard excess = $300

* Age excess 22-25 yrs old  = $300

* Endorsement excess (watever thats for) = $700  

** Total = $1,300

ta.

yeah they gave me a quote for full comp with 60% ncb, age 23 for around $1450 for my r32 gtr value $25000 with another $2500 cover for mags but the total excess that they told me was $2000 (the premiun is reasonable but the bloody excess is just too f###in much)

[RB20LagWagon]

Endorsement would be a 'modification excess'

[re2]

Mitch cause your young ill tell you how to get the cheapest insurance job in Perth..

When you car is registered on the road, get your father to go along with you when you put it over the pits, and when you pay for 1 year registration put the car under your Fathers name, so on paper it is HIS car. Or you can get your mother it doesn’t matter.

Then all you have to do is, for them to put the car under there car insurance, and you as a driver. This scam, shouldn’t call it that, but it works, hell I my father got quoted with 15000$ cover for a 300zxtt with me as driver, 600$ with 200$ excess.

Its going to be the only way you will get respectable pricing from any firm, otherwise you will be up in the high 1000-2500$ with over a 1000$+ excess plus a fee for been under 25

Right now I am 22; got a fairly highly modified GTS-t R32 given it was built by prime garage for circuit racing. I have it under my name, with HBF, for 1150$ a year 15000$ cover [unfortunately it was all I could afford at the time I wanted $25000] with $1000 excess… They made it very clear I wasn’t allowed to let ANYONE under the age of 21 drive this vehicle and if I did It wouldn’t be insured. And only those declared as drivers on the policy may drive it for cover otherwise there’s an additional 500$ on top of the 1000$ excess.

Let me know how you go, insurance at a young age is a real Bitch but its great your going after it. It shows responsibility, in the thought.

[mitchy_]

my insurance is currently $3,000 for a 260rwhp R33, fair list of mods...

drops to 2,2 for a stockish R34 tho..

my policy is tho.. if you cant afford the car + insurance.. you cant really afford the car.

[Kaido_RR]

Mitch cause your young ill tell you how to get the cheapest insurance job in Perth..

When you car is registered on the road, get your father to go along with you when you put it over the pits, and when you pay for 1 year registration put the car under your Fathers name, so on paper it is HIS car. Or you can get your mother it doesn’t matter.  

Then all you have to do is, for them to put the car under there car insurance, and you as a driver. This scam, shouldn’t call it that, but it works, hell I my father got quoted with 15000$ cover for a 300zxtt with me as driver, 600$ with 200$ excess.

Its going to be the only way you will get respectable pricing from any firm, otherwise you will be up in the high 1000-2500$ with over a 1000$+ excess plus a fee for been under 25

Right now I am 22; got a fairly highly modified GTS-t R32 given it was built by prime garage for circuit racing. I have it under my name, with HBF, for 1150$ a year 15000$ cover [unfortunately it was all I could afford at the time I wanted $25000] with $1000 excess… They made it very clear I wasn’t allowed to let ANYONE under the age of 21 drive this vehicle and if I did It wouldn’t be insured. And only those declared as drivers on the policy may drive it for cover otherwise there’s an additional 500$ on top of the 1000$ excess.

Let me know how you go, insurance at a young age is a real Bitch but its great your going after it. It shows responsibility, in the thought.

That trick no longer works, as insurance companies now have a policy that the "YOUNGEST Driver must be the 1st driver on the policy" doesnt matter if the car is in there name or not

[re2]

Don’t know who that policy is with,

I would like to know of your sources.

[Kaido_RR]

Don’t know who that policy is with, I know the above works with HBF. We used this a few months ago, and had absolutely no issue.  

I would like to know of your sources.

my sources is me, i was 17 and tring to get insurance last year, the car was in my father name, we call up god knows how many people which call said the same thing, we will insurace you *being my father* but we will not insurace ur son as a part-time driver (even if it was only once a week),

Then we got the odd, yes that is fine but due to ur son age he must be place as 1st driver

I was under the impression that HBF, would not insurace anyone under the age of 21 if the car was a import,turbo (this information has given to me by the person i bought the car off, he work for HBF in the insurance department)

[re2]

What I meant by source is the insurance “companies” this policy is with. You stated it like every insurance company is like his, and given such a statement I’m sure you went to more than one source to get quotes and figures.

I don’t think there is any worth in arguing the point, but anything it is worth a try, none the less... You just don’t tell them what you are really doing... get the car insured with your father or mother, then a day or so later ring up to get your name put on the policy as a driver. Make it less obvious.

I dont know about the been 21 issue, im sure they have it. I was under the impression once they didnt insure them at all. I do know they classify 'any' car with a turbo is high proformance. I nearly couldnt stop laughing.

[Kaido_RR]

What I meant by source is the insurance “companies” this policy is with. You stated it like every insurance company is like his, and given such a statement I’m sure you went to more than one source to get quotes and figures.

I don’t think there is a point arguing the point, but anything is worth a try, none the less... You just don’t tell them what you are really doing... get the car insured with your father or mother, then a day or so later ring up to get your name put on the policy as a driver. Make it less obvious.

I dont know about the been 21 issue, im sure they have it.  I was under the impression once they didnt insure them at all. I do know they classify 'any' car with a turbo is high proformance. I nearly couldnt stop laughing.

didnt think about ringing up later, that may work. I was just under the impression that trick didnt work, but like u said worth a try, as i try it; in the end we all want cheap insurance hehehe

[_8OO5TED_]

1993 R33 GTS-t Sedan

Insured for $16K with unlimited mods (All current mods listed on policy)

21yo Driver

55% No Claim Bonus (2nd top rating)

$1660 premium, which I am paying by the month at no extra charge :uh-huh:

$1100 Excess for at fault claim for under 25yo, $500 XS for over 25yo

Choice of repairer too, which means I dont need to shop around for quotes, I take it where ever I like and they fix it!

I think paying the premium by the month at NO EXTRA CHARGE is something few companies are willing to do, especially Just Cars, who quoted me $1210 but also a $1900 basic excess and a $1300 theft excess on top! PLUS you need to come up with the premium amount upfront.......

Oh, by the way, im insured with Shannons Insurance, as I work there!!

:werd:

[_8OO5TED_]

Oh, as for HBF and imports, my cousin recently insured his 1989 GTR with them, he is 23.

I hate mainstream insurers, as they have no clue about these types of vehicles, and if you ever make a claim, your pride and joy will be thrown into the hands of someone who may have had no previous experience with Jap imports.

If you wanna chase the cheap premium, fair enough, but if/when time comes to make a claim, you may regret your decision for going with the mainstream....

After making a claim with an insurance company, you will know how good they are. That is the real test of how good an insurance company is.

I had a previous R33 written off, it was parked on a side street and slammed into by an old lady. Within a week and a half I had the car towed to Lombardi Smash at my request and quoted for repairs, the car was declared a write off and my cheque for my pay out was sent. I was also offered the first option to buy back the wreck at a cheap price, which I did also. Approx 10 days it took, I thought that was fantastic response from an insurance company, and yes I know I work for them, but shit it was easy, and it was handled like any claim would be, not jsut because im an employee!

[noise]

The policy is always based on the person who is a biggest risk to the insurance company. Putting your dads name on the policy does nothing. If I got my dad to insure my car and put me on it, it would be the same price as if it was just me.

I am paying about $2.3k for a 2000 GTT at $35k.

I am 24, lost licence once and my gf claimed on my third party last year.

When I renew I am expecting a drop in that as a few factors will kick in that should lower it.