Justcar Insurance And Alarm Policy

[weSky]

Hi Guys,

After confusion about what I can and cannot have with alarms, i emailed my insurance broker - just cars - to find out the real story. I found what they had to say was quite interesting. Read on if you please....

Hi Steve,

Apologies if there was some confusion in our initial reply. I'll attempt to answer your query as best I can.

First of all, unless you have specifically been advised otherwise, we never actually require an alarm to be fitted to a vehicle as a policy condition. It would invariably be in the best interests of your vehicle's security to have one, but it's something we don't formally require. As such, we would not deny a theft claim on grounds of the particular model / specification of an alarm you had fitted alone.

Many of our policies DO require the fitment of an Australian Standards 2 point engine immobiliser (or better) to be fitted to the vehicle for it to be covered in the event of a theft claim. If this requirement applies to you, it will be listed under the 'Endorsements' section of your quote, or the operator would have advised you if you spoke to us over the phone.

If we have advised you that an immobiliser is required for your car to be covered in the event of a theft claim, an alarm alone will NOT suffice. This would be different though if the alarm also included an engine immobiliser, and that immobiliser conformed to our required standard of covering at least 2 points.

The only immobiliser requirement we have is as Matt previously stated; it has to be an Australian Standard 2 point and has to immobilise at least 2 parts of the car (e.g. fuel pump & ignition). We don't at present require blackwiring so this isn't something we would take into consideration.

I hope this has been of some assistance. If you have any further queries please feel free to e-mail us again or if you prefer, speak to one of our Motor Specialists directly on 13 13 26.

We are open between 8am and 8pm Monday to Friday, 8.45am to 5pm Saturday and 10am to 3pm Sunday, Eastern Daylight Savings Time.

Regards,

James Marks

eBusiness Specialist

JUST CAR INSURANCE

www.justcarinsurance.com.au

13 13 26

....So, get a 2 point immob and your fine......

Cheers,

Steve

[cogs]

I'm with Just Cars and from the start they only ever said I had to have a 2-point immobilser so no confusion for me..

[KeeFy]

A the end of the day, 1 thing for sure, i'd still install a proper alarm and immobiliser. Rather than having to pay for the excess when it's stolen, and the hassel of finding a new car etc etc. It's best to install it, regardless of the insurance needing it or not. Don't you think?

[cogs]

Yes I agree. Although insurance only required the immobiliser I got an alarm installed as well. Good value for money IMO.

[Links]

Just cars have always said - 2 point immobiliser - they never say you need an alarm, although make sure you get it listed on your policy..

anything not listed.. doesn't exist.. also if you got it installed, keep the proof - e.g. receipt..

[dezz]

they are also not fussed who installs it. a lot of people seem to beleive that it has to be installed by a professional (ie workshop) and presented with receipts etc....i emailed them and they told me they arent fussed.

[Tommyk]

I feel safer with an alarm. Particularly when your car is targeted outside your house. You hear it for a few seconds, and u run out with a baseball bat. Otherwise they have the whole night to mobilise the car (its easy to bypass pump, and ignition aint too hard either), and drive away

[Beer Baron]

they are also not fussed who installs it. a lot of people seem to beleive that it has to be installed by a professional (ie workshop) and presented with receipts etc....i emailed them and they told me they arent fussed.

<{POST_SNAPBACK}>

are you sure about that? All companys i have been with required that they be installed by a licenced installer.

[br3tt]

are you sure about that? All companys i have been with required that they be installed by a licenced installer.

<{POST_SNAPBACK}>

That's what I thought.

When i got my immobilizer installed, the guy asked me what insurance company i was with, and he said filled out the warranty details and stuff.

(I'm with JustCar).

[dezz]

well thats what they told me in the email. i was certain i kept it, like i did with every other 1, but its not in my inbox...must have deleted it...ill have to email them again to get another reply

[Chris Rogers]

depends on the insuarnce company. just cars are a mixed bag. they do require an aust stds immobilser as part of the policy. but I usually do alarms as they make a bit more noise than a 'stay put' device.

that said whoever does it needs to hide the thing. no point spending $2-300 on one so I can come by and remove it in 30 secs. it takes me 5-10 minutes to get at my own alarm installs...

[dezz]

HI Michael,

Thanks for your enquiry.

We do not require an immobiliser to be fitted by an accredited workshop or fitter, as long as the immobiliser is of the current Australian Standard's and you can provide proof that it was installed (i.e receipts, photo etc.), you will have no problems should you have to make a claim.

Regards,

Matt Pugliese

eBusiness Specialist

Just Car Insurance

www.justcarinsurance.com.au

[dangerous_daveo]

I think the main thing to be reading is 'Australian Standards' Thats what they will get you on.

[dezz]

people on this forum have rang JCI and told them they have a Viper alarm (vipers are not aus standards) and they have been fine with it, as long as they add the points of immobilisation

[Midnight R33]

Hey does anyone know if the factory alarm and keyless entry on R33 40th's

would have an immobiliser? Knowing my luck it doesn't

[raz0r$harP.UK]

Hey does anyone know if the factory alarm and keyless entry on R33 40th's

would have an immobiliser? Knowing my luck it doesn't

Even if it is won't be enough for insurance.