Soarer Central: Interesting change to Just Cars insurance policy

Soarer Central General Soarer Chat Interesting change to Just Cars insurance policy

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Ben Socratous
Goo Roo
SA
I am the fibreglass/kevlar/carbonfibre king!

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Tuesday, May 01, 2007 - 10:35 pm, by: Ben Socratous (Socrates)

But what about JustCars excess being a zillion times more than anyone elses? Under 25 excess, import excess, turbo excess, yadi yadi yada if I had insurance with them and pranged it, my excess was nearly $2300!!!

Spose it works out well that I have been insured with Shannons since I was 22

And there was no wheeling and dealing to get in with them at that age, just walked in and said you insure soarers? Then signed the forms.

Kyle Wathen
Tinkerer
Vic
GTTL

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Reg: 02-2007

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Tuesday, May 01, 2007 - 10:56 pm, by: Kyle Wathen (Cspot)

Daniel Czechowski wrote on Tuesday, May 01, 2007 - 05:19 pm:
It must have been the combination of my mods then. The exhaust they could probably put up with. HBF didn't like the steel wheeled turbos and I think the EBC tipped them over the edge too.

Why would you need to tell your insurance about the steel wheeled turbos? Its not like they are going to remove and open up your turbos if you make a claim, as long as there still the original housings they will be none the wiser. Unless of course you were claiming the value of them to increase the cars agreed value.

Also isn't any form of boost alteration e.g. EBC illegal in all states anyway?

Daniel Czechowski
Goo Roo
Western Australia
Soarer GT-T

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Tuesday, May 01, 2007 - 11:50 pm, by: Daniel Czechowski (Dan)

Kyle, the reason why I mentioned steel wheels, was had my car been stolen and torched or something, I'd like a replacement Soarer with steel wheels, and not ceramics. I suppose it did increase the value as a result.

Yeah, Shannons had no issue with EBC so not sure about the legality hey...

Boris Zoubakin
Tinkerer
Queensland
TT

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Wednesday, May 02, 2007 - 12:39 am, by: Boris Zoubakin (Boza)

And yet if you apply for insurance through AAMI they reject you, yet they underwrite Just car and Shannons..... Interesting hey

Leon Wright
DieHard
WA
V8 UZZ31

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Wednesday, May 02, 2007 - 01:05 am, by: Leon Wright (Techman)

I'm fairly positive that all the big insurance companies are either in bed with each or owned overall by one mob anyway!

Kyle Wathen
Tinkerer
Vic
GTTL

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Wednesday, May 02, 2007 - 12:36 pm, by: Kyle Wathen (Cspot)

Because insurance is based on risk many companies share their underwritten risk so as to diversify their vulnerability to high and low risk products. You may find that your insurance policy is underwritten by the same people as your mates even though you are insured through different companies/agents.

Daniel Czechowski wrote on Tuesday, May 01, 2007 - 11:50 pm:
Kyle, the reason why I mentioned steel wheels, was had my car been stolen and torched or something, I'd like a replacement Soarer with steel wheels, and not ceramics. I suppose it did increase the value as a result.

Yeah, Shannons had no issue with EBC so not sure about the legality hey...

Yeah good point about the turbos, with insurance companies you can list whatever you want even its illegal. E.g. you say have an atmo venting BOV, EBC, 22" wheels etc and they will say ok no worries its listed on the policy. But then when you go to put in a claim they will say didnt you read the policy we only cover you if your mods are legal....

Callum Finch
Goo Roo
WA
Soarer TT & Corolla

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Wednesday, May 02, 2007 - 12:39 pm, by: Callum Finch (Sigeneat)

They are in bed with each other.
They all have deals to say things like "if one of your cars hits one of ours then we pay the bills for our own cars" or some •••••

Dan McColl
Goo Roo
Victoria (The Nazi State)
Active V8 and a Factory Manual XF.

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Wednesday, May 02, 2007 - 10:29 pm, by: Dan McColl (Hoon)

Daniel Czechowski wrote on Tuesday, May 01, 2007 - 11:50 pm:
was had my car been stolen and torched or something, I'd like a replacement Soarer with steel wheels

Pretty sure they's just pay you out, and it would be up to you to find a suitable replacement.

Braden Murdoch
DieHard
NSW
Cressida 1JZ TT

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Thursday, May 03, 2007 - 11:00 am, by: Braden Murdoch (Ribfeast)

Yeah sometimes it is just a round-robin affair.
I found out that Vigil is part of Unique insurance. And the buggers won't insure daily driven cars any more

Daniel Czechowski
Goo Roo
Western Australia
Soarer GT-T

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Thursday, May 03, 2007 - 11:39 am, by: Daniel Czechowski (Dan)

Kyle Wathen wrote on Wednesday, May 02, 2007 - 12:36 pm:
But then when you go to put in a claim they will say didnt you read the policy we only cover you if your mods are legal

Yeah will have to check that.

Dan McColl wrote on Wednesday, May 02, 2007 - 10:29 pm:
Pretty sure they's just pay you out, and it would be up to you to find a suitable replacement.

Oh yeah I know, but I used that as the reason to increase my agreed value by an extra 3 grand...