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Comprehensive Insurance

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escort racing
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RE: Comprehensive Insurance 2010/10/05 21:40:08 (permalink)
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LSV gets my vote car is valued at 25k and car has full reg,but i do have 4 cars with them. good luck.
#16
2lt_Scort
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RE: Comprehensive Insurance 2010/10/05 22:38:52 (permalink)
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Scott,

Get on the phone as SGIC do list Escorts. You need to keep ringing round till you get a quote your happy with. Make sure the policies finer details suit your needs.
Eg, Getting the wreck back would be a priority for most.

RAA does discount for members also.

AAMI drivers course only gives 5% discount from memory ( I did it back when I was 18 or so, doesn't really count for much)
Best to just get into full comp and work on getting a decent rating and your premiums will start to drop.

So far I can't fault Shannons, I've been with them since I was about 20 so I don't know why they won't insure you? Possibly changed their policies since then???

Rhys
#17
Scott
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RE: Comprehensive Insurance 2010/11/05 00:51:32 (permalink)
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quote:
Originally posted by 2lt_Scort

Scott,

Get on the phone as SGIC do list Escorts. You need to keep ringing round till you get a quote your happy with. Make sure the policies finer details suit your needs.
Eg, Getting the wreck back would be a priority for most.

RAA does discount for members also.

AAMI drivers course only gives 5% discount from memory ( I did it back when I was 18 or so, doesn't really count for much)
Best to just get into full comp and work on getting a decent rating and your premiums will start to drop.

So far I can't fault Shannons, I've been with them since I was about 20 so I don't know why they won't insure you? Possibly changed their policies since then???

Rhys


I'm an RAA member so why I can't go through is stupid
The AAMI discount is 10% and they do allow for you to have the car if its a write off. It turns out I can get insured for around $700-$750. Dunno how I got that $1400

Shannons must have changed their policies, I know my brother couldn't insure his 351V8 XW Falcon when he was under 25 with them.

According to the AAMI online quote, my driving history is Gold Rating 1. So I think I'm already pretty right in that respect.
#18

muzza
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RE: Comprehensive Insurance 2010/11/05 08:30:19 (permalink)
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$700 is a good deal! To think when I was 18 NRMA wanted to charge me $3600pa for my RS that I paid $7000 for.
#19
ITGRIPS
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RE: Comprehensive Insurance 2010/11/05 12:01:49 (permalink)
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one of our cars ( VK SS ) is with QBE as they were the only company that would cover it for what i wanted, were a reasonable price and they do a "limited use policy" for "special" cars. but.... our other car ( 06 Subaru XT Foz ) is with another insurer as in it's case, QBE was a fair bit more expensive and had a lower vehicle value.

keep shopping around. don't be tied to any in particular as each instance will be different. in our case, even though we have 4 policies with QBE, they didn't suit our last car. insurance is a hard one as all companies are different and ask/expect different things.
#20
Bloodyeck
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RE: Comprehensive Insurance 2010/11/05 12:24:49 (permalink)
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The reality is that your age is against you so far as any insurer is concerned. Unfortunately, your age group is where most insurance claims emanate. You should be aware that the cheapest is not always the best. Make sure you read the fine print. I think you will find that only the classic vehicles insurers such as Shannons even contemplate letting you keep the wreck if the worst should happen.
#21

Scott
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RE: Comprehensive Insurance 2010/11/05 14:58:03 (permalink)
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quote:
Originally posted by Bloodyeck

The reality is that your age is against you so far as any insurer is concerned. Unfortunately, your age group is where most insurance claims emanate. You should be aware that the cheapest is not always the best. Make sure you read the fine print. I think you will find that only the classic vehicles insurers such as Shannons even contemplate letting you keep the wreck if the worst should happen.


I understand that, so it doesn't bother me to pay extra due to being a high risk driver with a high risk car. Still doesn't change the fact that some 18/19 nearly drove into me today, no indicator didn't look for a lane change as I passing the retard. Air horns are great.
#22
ITGRIPS
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RE: Comprehensive Insurance 2010/11/05 16:22:41 (permalink)
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i just went online and played around to see what it'd say about our Mk1 2dr. i tried 3 different insurers, incl'g our current and all said NO due to age of car and or the value i wanted it insured for!! first quote came back saying value was $1250! with Shannons dropped the value by $1000 each time ( starting at $10,000, stopped at $8000 )and it just kept saying value is over maximum allowed!

funs times ahead when it's finished!!
#23
KIZZA
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RE: Comprehensive Insurance 2010/11/05 17:21:12 (permalink)
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my car is with GIO Vintage/veteran as JamesR earlier mentioned. Our cars are considered to be Appreciating in value according to them the woman on the phone was saying to me. Its around $330ish a year for me (24 years old) and included in that is a fee of something around $30 to buy the wreck should the worst happen. However, my policy does stipulate many if not all the mods but now i'm going to be doing a engine swap and changing my car more towards motorsport they tend to frown on this. You can't have a roll cage either whether is engineered or not, they claim that the car must be getting used for motorsport.
#24
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