my insurance investigation

[predator]

Just thought I would post this for those looking for decent deal on insurance...seems to be a common thing. I'm rating 1, 26, blah blah which i know many don't have the luxury of being but it might help. So more information always helps somebody else out there.

RACV - well people haved talked about this before. RACV will ensure a GTS-T (or even GT-R) as long as you're 25 or over, and have a pretty flawless driving history. I've been with RACV insurance since I started driving so that helped I think. I didn't ask specific questions, but they would insure it, assuming minimum mods. They were marginally cheaper than justcars, again maybe because of above. If I think you're under 25 they will just flatly say no. Maybe because of the pressure of the below coming into the market they're more willing to insure an import these days. Who knows.

Justcars - around $2000 for a modded R33 gts-t. Standard non modded gts-t was around $1400

Unique Car insurance... www.uniquecar.com.au These guys definitely offered the best deal at around $1400 for a modded gts-t .. and it drops to $1000 or something after the first year. They're Victorian and I know have been around for a few years, so they seem fairly trustworthy. They're underwritten by Lloyds (big London underwriters). Definitely worth a try, and they seemed to be fairly knowledgeable about things (mentioned body kit excess, when was the alarm fitted, blah, blah). In a way seems almost too cheap.

Famous car insurance... www.famousinsurance.com.au yeah, thought of them and by the looks of things some people have had some luck...they're in WA so I'm not sure as to how that would work out. Nobody had any conclusive evidence of claiming through them, esp. in VIC so i kinda didn't bother with them.

Hope this helps all of those looking for a reasonable deal in VIC!

[ex-static]

Thanks man, I also beleive with Famous that your car is not insured during 11pm, and 6am or soemthing.. some weird rule like that.

[Phil]

Originally posted by ex-static

Thanks man, I also beleive with Famous that your car is not insured during 11pm, and 6am or soemthing.. some weird rule like that.

Nope that is incorrect. That's only if they decide to put that on your policy. I spoke to Robin about that specific condition and she said they haven't used that for ages, and it's only if that is placed on your policy (so you would know about it!).

[xRHETTx]

Do unique insure under 25's for turbos?

[meggala]

no

just cars is the only one that I have founf in victoria

[turbomad]

Funny, I was 29 when I bought mine and RACV wouldn't touch it, I've got 2 other cars with them, house, contents, life etc... Finally I went with TORQUE Insurance $900.

[SS8_Gohan]

RACV will insure under 25's with Turbo's. Bloody expensive, around 5.9K i think, well that was for a 19 yr old. BUT! You can go under ur parents name, and then add urself as a nominated driver....now i know what y'all thinking, u don't get a rating, if u have a smash, it all goes to shit. Nuh-uh. If u decide to get insurance in ur name, ur history as a nominated driver IS counted, and if u have a smash it's just the same as if ur parent has a smash in it. And no, they don't care what % u drive the car, doing it this way knocked off about $2.5K from the original 5.9, so insurance for a 19yr old with RACV as a nominated driver under a parent is $3.5K a year. Which is about the best u can do around my age. But i think i'll go with Prosperion, insurance $1.5K yeee-haa!!

[rs73]

If you convert your car from auto to manual, will insurance company still cover you for this? Well, you let them know.. perhaps they will charge extra premium?

[predator]

Not sure how they assess the difference between manual and auto actually. Maybe just in terms of market value, so manual probably costs more in premium.

[xRHETTx]

Who are Prosperion? Do they have a web site? And do they insure under 25s?

[meggala]

rs 73 wen ti converted my car from non turbo to turbo my premium fell but $70 a year

just notify them

meggala

[SS8_Gohan]

www.prosperion.com.au -

but it's not just insurance. They package the entire running costs of the car eg. fuel/tyres/rego/insurance/servicing. Budget what u think u are going to use for a yr and then u pay a certain amount each month. But the monthly charge comes out of ur pay pre-tax, so u have to get ur employer to ok the whole thing. Which also means u gotta be on a pretty good job as well.

Regarding insurance, they insure on the car...not the age of the driver. So that's why it works out to be around 1.5K for me, i'll most prob be 19 when i start this whole thing.

It's a lot more complicated then straight forward insurance, but there are some decent savings to be made.

The only catch is that u have to install NavTrac 1600 to install incl first year coverage i'm pretty sure, and then 300 a year to monitor ur car after that. NacTrac said they've never had a car stolen, so it sounds pretty good. 3pt immobiliser. But more insurance companies these days for ppl our age, and with the cars we want, say we have to have a good immobiliser anyway.

If u do give em a call, call this number: (02) 9004 7290, that's 'Chris' and just say "Daniel Chin" referred u.

the other 1300 is just a general one, this is a direct consultant number. He's the coolest guy as well, he has a S15 i think he said, and all the other guys are car nuts, another has a R33 GTS-T, so they know what we're talkin about.

Oh...and unlimited mods as long as it's Street Legal, doesn't affect insurance.

cheers,

Daniel.

[Guest too quick]

thanks, I think I just reduced the amount of insurance that i'm up for!

Maria

Originally posted by predator666

Just thought I would post this for those looking for decent deal on insurance...seems to be a common thing. I'm rating 1, 26, blah blah which i know many don't have the luxury of being but it might help. So more information always helps somebody else out there.  

RACV - well people haved talked about this before. RACV will ensure a GTS-T (or even GT-R) as long as you're 25 or over, and have a pretty flawless driving history. I've been with RACV insurance since I started driving so that helped I think. I didn't ask specific questions, but they would insure it, assuming minimum mods. They were marginally cheaper than justcars, again maybe because of above. If I think you're under 25 they will just flatly say no. Maybe because of the pressure of the below coming into the market they're more willing to insure an import these days. Who knows.  

Justcars - around $2000 for a modded R33 gts-t. Standard non modded gts-t was around $1400

Unique Car insurance... www.uniquecar.com.au These guys definitely offered the best deal at around $1400 for a modded gts-t .. and it drops to $1000 or something after the first year. They're Victorian and I know have been around for a few years, so they seem fairly trustworthy. They're underwritten by Lloyds (big London underwriters). Definitely worth a try, and they seemed to be fairly knowledgeable about things (mentioned body kit excess, when was the alarm fitted, blah, blah). In a way seems almost too cheap.  

Famous car insurance... www.famousinsurance.com.au yeah, thought of them and by the looks of things some people have had some luck...they're in WA so I'm not sure as to how that would work out. Nobody had any conclusive evidence of claiming through them, esp. in VIC so i kinda didn't bother with them.

Hope this helps all of those looking for a reasonable deal in VIC!

[Phil]

Well I just took out a policy with Famous today. They beat Just Cars by like $450 and Robyn there was very friendly as well.

Hopefully I won't be able to tell you what they're like for claims, if you know what I mean!

[doxximus]

just got my just cars insurance forms and my car (which is n/a) has been insured as a gts-t! this makes it so much easier to put the new engine

[predator]

From seeing what i see on here...and finding out for myself... Justcars is a ripoff. They will insure anything at any age, but they will also charge you anything for the privilege. They are afterall just an offshoot of AAMI which always had the highest premiums just for a "general" car for me.

My personal recommendation is to try some of the smaller ones mentioned here which are more specialised underwriters. Most will give you agreed choice of repairers and things too.

Oh yeah, if you're going for the smaller guys, no crashing because then my premium will go up and i won't be happy

If you want to crash I'm sure Justcars has a great deal for you