Soarer Central: Archive through October 31, 2006

Soarer Central Say G'day INSURANCE!!!CRAZY Archive through October 31, 2006

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Message

Daniel Kneebone
Tinkerer
WA
MZ20 Soarer Turbo

Posts: 15
Reg: 10-2006

Rating: N/A
Votes: 0 (Vote!)

Friday, October 27, 2006 - 11:33 am, by: Daniel Kneebone (Mz_20_unique)

hey thought id ask others what their comprehensive insurance premium for 1 year is...its fkn rediculouse!! my first premium is quoted $2700.00 with 1800 excess for a claim...

Matthew Sharpe
Goo Roo
North Island
JZZ31

Posts: 1624
Reg: 10-2005

Rating: N/A
Votes: 0 (Vote!)

Friday, October 27, 2006 - 01:15 pm, by: Matthew Sharpe (Madmatt)

Sounds pretty normal for a under 20 with a turbo charged car.

Braden Murdoch
TryHard
NSW
Cressida 1JZ TT

Posts: 197
Reg: 04-2006

Rating: N/A
Votes: 0 (Vote!)

Friday, October 27, 2006 - 01:43 pm, by: Braden Murdoch (Ribfeast)

What is your driving history and age, NCB etc?

I pay $1000 a year for my 1JZ cressida, 40 or 50% NCB I forget. Probably not a good comparison as it is a different chassis to your car though.

Will Adams
DieHard
WA
Soarer GT-TL

Posts: 552
Reg: 02-2006

Rating: N/A
Votes: 0 (Vote!)

Friday, October 27, 2006 - 01:59 pm, by: Will Adams (Draco)

I pay around $950 with a 60% NCB and my excess is $200.

Leon Wright
TryHard
WA
V8 UZZ31

Posts: 211
Reg: 08-2006

Rating: N/A
Votes: 0 (Vote!)

Friday, October 27, 2006 - 04:22 pm, by: Leon Wright (Techman)

I'm with Just Car (only mob that would insure me that I could find)

$1060, don't think i get a no claim bonus

Excess's
$450 base excess
$600 age excess
$600 car excess (import)
$400 wheel excess

Grand total of $2050 if I stack and damage my wheels, $1650 if the wheels don't get damaged and $400 if the wheels just get knocked off.

Andy Bathie
Newbie
None
Soarer TT Single conversion

Posts: 4
Reg: 11-2005

Rating: N/A
Votes: 0 (Vote!)

Friday, October 27, 2006 - 07:20 pm, by: Andy Bathie (Andy_no_knee)

I'm in London, in A TT with all the mod's listed.
35, Firefighter, and trained to drive the fire engine (Advanced Driver.. Woo Woo!)and a full no claims bonus.

One company wanted over a £1k. I went to a company called Sky and now pay £600.

Not much help to you colonials I know but maybe it will help out a UK baised member.

Alen Sadikovic
Tinkerer
VIC
Soarer GTT

Posts: 13
Reg: 10-2006

Rating: N/A
Votes: 0 (Vote!)

Saturday, October 28, 2006 - 12:53 am, by: Alen Sadikovic (Alen87)

it sounds about right, i am 19 and comprehensive for me on a TT is about $2500 with just cars. but i am paying $548 for third party, screw paying $2500. i take my chances. although i pay high excess too.

David Vaughan
Goo Roo
ACT
V8 Ltd manual

Posts: 2640
Reg: 07-2005

Rating: N/A
Votes: 0 (Vote!)

Saturday, October 28, 2006 - 06:20 am, by: David Vaughan (Davidv)

Insurance has been done a zillion times. Like fuel economy (the other common first question) it is obviously highly interesting because we all face it and it can be very expensive. However, if Daniel had chosen Search in the first place, rather than initiating a largely immaterial list of "this is what I have got" then he would have found:

The price is not unusual.
It is quite likely you can do better.
Whom to try and how to go about it.

Briefly, collect names of companies from here and try several of them, every single year you insure and for every single car in your family. Never assume one company is better than the rest, nor that someone else's circumstances are the same as your own, nor that companies are wholly consistent from year to year.
Perhaps Pen should start a special section "My insurance" so everyone can write theirs down whenever they feel like it.

Khan Islam
TryHard
VIC
JZZ31 3 Ltr VVTi

Posts: 142
Reg: 04-2006

Rating: N/A
Votes: 0 (Vote!)

Sunday, October 29, 2006 - 12:11 am, by: Khan Islam (Khan)

Daniel, try Shannon insurance, tell them you are recommended by your friend and he has got the same car insured with them. I found them very good in premium.

Leon Wright
TryHard
WA
V8 UZZ31

Posts: 215
Reg: 08-2006

Rating: N/A
Votes: 0 (Vote!)

Sunday, October 29, 2006 - 04:29 am, by: Leon Wright (Techman)

Shannon's great if your over 25! I tried to get a quote from them and they said I was to young. I just said that when I turn 25 I stop being a hoon and become an enthusiast???

Nathan Evans
DieHard
Queensland
1JZZ30 TT

Posts: 566
Reg: 07-2005

Rating: N/A
Votes: 0 (Vote!)

Sunday, October 29, 2006 - 11:30 am, by: Nathan Evans (Soarer7)

if i were to get full cover it would cost me $2500

Cihan Aday
Goo Roo
"1JZ Surgeon"
JZZ30

Posts: 1451
Reg: 07-2005

Rating: N/A
Votes: 0 (Vote!)

Sunday, October 29, 2006 - 11:42 am, by: Cihan Aday (Cihan)

Leon Wright wrote on Sunday, October 29, 2006 - 04:29 am:
Shannon's great if your over 25! I tried to get a quote from them and they said I was to young. I just said that when I turn 25 I stop being a hoon and become an enthusiast???

I was out friday night, i'd say a majority of hooners and bad drivers late at night were P platers. During the day thats not always the case, they come out at night, in packs ;)

25 sounds fair don't you think?
About where most of us stop driving with six passengers, stop having the urge to test the limits of ample traction on the freeway, and stop trying to evade cops when we see them do a u-turn a hundred metres away.. etc

Those little things maybe?

Graham Dollisson
DieHard
QLD
GTTL Morris Marina P76

Posts: 948
Reg: 07-2005

Rating: N/A
Votes: 0 (Vote!)

Sunday, October 29, 2006 - 04:08 pm, by: Graham Dollisson (Alloyvee)

Insurance companies work off simple statistics. Under 25, the statistics aren't that good. Shannons are just improving their odds by not insuring in a bad risk age group. But then again, if you are 40 and have had 4 speeding fines in the last few years, don't bother asking for a quote either.

Phil Stuart
Tinkerer
NSW
Soarer 1x TT JZZ30, 1 x RAV4 and a pork chop

Posts: 47
Reg: 10-2006

Rating: N/A
Votes: 0 (Vote!)

Sunday, October 29, 2006 - 08:16 pm, by: Phil Stuart (Ericdog)

Insurance is just gambling. You are betting the insurance company that you wont damage your car, and, they pretty well always win.

The other thing is that it doesnt seem to matter that much if you have other cars with them if you are with GIO. Being 40, I think I might give GIO a miss and try shannons.

Praveen Gangadharan
Newbie
South Australia
Soarer TT

Posts: 5
Reg: 10-2006

Rating: N/A
Votes: 0 (Vote!)

Sunday, October 29, 2006 - 08:33 pm, by: Praveen Gangadharan (Big)

I'm 22 years old and my yearly premium for my TT is $986.00 with a 1200 excess I think. If you haven't had insurance before, it's going to be high no matter what, cose you are younger. When I started off with my insurance it was $1900.00 for a Commodore.

Cihan Aday
Goo Roo
"1JZ Surgeon"
JZZ30

Posts: 1459
Reg: 07-2005

Rating: N/A
Votes: 0 (Vote!)

Sunday, October 29, 2006 - 09:36 pm, by: Cihan Aday (Cihan)

Phil Stuart wrote on Sunday, October 29, 2006 - 08:16 pm:
Insurance is just gambling. You are betting the insurance company that you wont damage your car, and, they pretty well always win.

If you call that gambling, then it must cost $2,000 just to sit in.

Matthew Sharpe
Goo Roo
North Island
JZZ31

Posts: 1632
Reg: 10-2005

Rating: N/A
Votes: 0 (Vote!)

Monday, October 30, 2006 - 06:30 am, by: Matthew Sharpe (Madmatt)

Phil Stuart wrote on Sunday, October 29, 2006 - 08:16 pm:
Insurance is just gambling. You are betting the insurance company that you wont damage your car, and, they pretty well always win.

I wish the assholes who keep running into me without insurance leaving me $250 out of pocket (until they finally give in to the threatening letters from my very helpful insurance company) would stop thinking that way. Insurance is not a gamble, its exactly what it is, covering your ass and being responsible to other road users.

Peter Nitschke
JunkFilterer
South Australia
GT4.0 V8

Posts: 6239
Reg: 11-2004

Rating: N/A
Votes: 0 (Vote!)

Monday, October 30, 2006 - 06:48 am, by: Peter Nitschke (Pen)

Phil Stuart wrote on Sunday, October 29, 2006 - 08:16 pm:
Insurance is just gambling. You are betting the insurance company that you wont damage your car, and, they pretty well always win.

You are actually betting that you DO damage your car. They only win if you don't.

David Vaughan
Goo Roo
ACT
V8 Ltd manual

Posts: 2650
Reg: 07-2005

Rating: N/A
Votes: 0 (Vote!)

Monday, October 30, 2006 - 09:19 am, by: David Vaughan (Davidv)

Like life insurance. First you die, then you get the money

Matthew Sharpe
Goo Roo
North Island
JZZ31

Posts: 1637
Reg: 10-2005

Rating: N/A
Votes: 0 (Vote!)

Monday, October 30, 2006 - 10:51 am, by: Matthew Sharpe (Madmatt)

Peter Nitschke wrote on Monday, October 30, 2006 - 06:48 am:
You are actually betting that you DO damage your car. They only win if you don't.

Nah, I'm betting that some other bastard without insurance will damage my car - as has happened twice in the last 13 months. With insurance, at least I've only had to recover $500 instead of $2300 (one was $900 damage, the other $1400) and the insurance company has done all the work recovering the money for me, rather than me having to be the nasty chasing the at fault driver for money. Still the first driver left me $250 out of pocket for 3 months, and the second driver still hasn't paid up two months later.

Daniel Kneebone
Tinkerer
WA
MZ20 Soarer Turbo

Posts: 21
Reg: 10-2006

Rating:
Votes: 1 (Vote!)

Monday, October 30, 2006 - 10:56 am, by: Daniel Kneebone (Mz_20_unique)

"Insurance has been done a zillion times. Like fuel economy (the other common first question) it is obviously highly interesting because we all face it and it can be very expensive. However, if Daniel had chosen Search in the first place....."

on the other hand david you could have looked at the thread topic and said to yourself "if i go into this im going to have a bit of a winge, so i might goto another topic that interests me"
theres more then 1 thread on this board...

David Vaughan
Goo Roo
ACT
V8 Ltd manual

Posts: 2656
Reg: 07-2005

Rating: N/A
Votes: 0 (Vote!)

Monday, October 30, 2006 - 11:51 am, by: David Vaughan (Davidv)

Daniel, here is something interesting to read:
http://soarercentral.com/sc-forum/messages/52956/52957.html?1144307904

To save you any effort at all, I will quote portions of it for you:

quote:
Lurk before posting! We cannot stress this enough.
Read as much as you can before posting ... to see if your issue has already been covered ... Additionally, please check again to see if your post is a repeat issue (it has already been discussed).
Use Search as much as possible before you post what might have been already discussed in detail. Also use the ALSC archive as that has years of excellent, informative and often humorous posts stored away.

My post was polite without being ingratiating and it was helpful, both answering your direct question and distilling useful information from many other posts. So, here is another helpful comment from the above-referenced page: