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Need A Cover Note

ICER33

By ICER33,
in General Automotive Discussion

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ECR033 Mentor

ECR033

Posted
Posted

I doubt Just Cars have stopped providing cover notes.

If you need a cover note, call them and advise that you wish to start an insurance policy. Once you've given all the details, you can then ask to have the policy sent to you. At that time, they'll activate your policy and give you 14 days to pay. Obviously, if you don't pay within the 14 days then your insurance/cover note will be cancelled.

I personally think Just Cars are a ripoff though and I don't deal with them anymore myself. I've got my car insured with Shannon's these days :D

ICER33 Community Regular

ICER33

Posted
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Posted

ecro33 your right mate. thats exactly what they do. i have to go with them. got one guy the second time around who knocked about $800 off my quote because i am 21 and turn rating 3 in less than two months and this was including the 12 month suspension of my license for speeding (not drink driving). all up $1800 full comp with an array of mods.

Big Rizza Mentor

Big Rizza

Posted
Posted

Why do people think Just Cars are bad? I got a few internet quotes for insurance and they seemed pretty reasonable. Note that I am 20 with no driving offences living in a good area of West Aust. I have found that their rates are lower than most others, and would insure me for cars that others wouldn't. Replys would be great as I was looking at insuring my R32 through them when my current policy (with suncorp) expires.

ScorpR32 Enthusiast

ScorpR32

Posted
Posted

Got my 32 GTST insured with them for $2200. A bit pricey but I know it will steadily go down as I build my NCB (currently 30% I think) and as the birthdays roll by. I'm 20 currently, with no accidents or convictions. The good thing is the offer unlimited mods- as long as they are roadworthy under the premium charged.

They usually match or better the online quote so if you got a good quote I'd give them a go. Plus you have the security of the underwriting by AAMI, whether or not that's a good thing I am yet to find out.

Paul

ECR033 Mentor

ECR033

Posted
Posted

Just Cars premium's weren't too bad, but their excesses are absolutely ridiculous.

Just to compare quotes for my 97 R33 GTST (24 y/o, 60%NCB, good driving record, Sydney)...

I pay just over $1500/year ($500 excess max) with Shannons.

Just Cars quoted me $1650/year ($1800 excess, plus extra for wheels and stereo).

In addition, Shannon's allowed me to determine an agreed value for the car much higher than what Just Cars would allow. They also allow me to choose my own repairer in the case of an accident and they also provide pay by the month....Just Cars don't do either.

Additionally, Just Cars screwed me over when I asked for a refund on a policy which I had on another car. They refused to refund me and instead were only prepared to issue me with a credit note. I threatened to contact the department of fair trading and funnily enough, eventually got my refund.

I'd only ever use Just Cars again if I didn't have a choice.

chaos Grand Master

chaos

Posted
Posted

$1628 Justcars

Rating 6 never had insurance, car has a fair few mods, $1200 excess.

$1878 shannon's same as above, cant remember the excess, only better thing bout shannon's is that my car is agreed value to what i bought it at.

where as just cars was $4100.

Will probably go with shannon's based on agreed value, no extra to pay by the month.

Archie@ Experienced

Archie@

Posted
Posted (edited)

It all comes down to how they calculate the premium based on what info you have. Certain insurance companies rate areas, age and the car differently.

For example i'm under 25 (just barely) living in the eastern suburbs and with a colourful driving history. My current ride is a 280zx.

My insurance turned out to be $180 cheaper at CGU than with Justcars. And if memory serves me correct Shannons was about $100 cheaper than Justcars as well.

but when I had the 300zx about 2 years ago, with a less of a driving record and a different suburb in the east, Justcars was considerable cheaper than all the rest, by about $500 if i remember.

All insurers will issue a covernote. It's like a grace period before you purchase the policy. I took one out only 2 months ago with justcars. But by the time I did the rounds with other insurance companies and found a cheaper quote, I just didn't take out the insurance policy with justcars and in 14 days time they canceled the policy. simple as that.

Edited by Archie@

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