Insurance... - Page 11 - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Blue86 · 10-17-2012, 11:22 AM

I went with budget direct because the chick off the ad blew me.. Or they were cheaper. :-)

AUmarvin · 10-17-2012, 07:03 PM

I'm getting quotes of approx $1300 - $1500, but I'm only using the online quotes at the moment.

Also, does anyone know if adding an intake and exhaust are going bump up the insurance? How far do you have to go before it is declared a 'modification' by insurance companies. And manufacturers for that matter?

Surok · 10-17-2012, 07:30 PM

anything is a modification

llama_au · 10-18-2012, 05:00 AM

This is farked. Shannons are now quoting me $1550 per year for a BRZ. 28, female, rating 1 for life - no claims ever.

a.beck · 10-18-2012, 05:33 AM

Shannon's is one of the more expensive insurers, IME.

llama_au · 10-18-2012, 05:36 AM

I forgot to mention that's WITH my CAMS discount and multi-policy discount. Ridiculous. At one point I had three cars comprehensively insured with them at once and all were valued at over $20K each. I'll be shopping around.

Turdinator · 10-18-2012, 06:19 PM

Quote:

Originally Posted by llama_au

This is farked. Shannons are now quoting me $1550 per year for a BRZ. 28, female, rating 1 for life - no claims ever.

I got an online quote from shannons. It was over $3k. More than double the next closest quote I got.

tibsy92 · 10-19-2012, 05:43 PM

Quote:

Originally Posted by AUmarvin

I'm getting quotes of approx $1300 - $1500, but I'm only using the online quotes at the moment.

Also, does anyone know if adding an intake and exhaust are going bump up the insurance? How far do you have to go before it is declared a 'modification' by insurance companies. And manufacturers for that matter?

Even changing parker lights is a mod
Nrma cover any legal mod mad you don't have to tell em if you did it or not, just keep receipts and all

Gums · 10-19-2012, 09:32 PM

Quote:

Originally Posted by tibsy92

Even changing parker lights is a mod
Nrma cover any legal mod mad you don't have to tell em if you did it or not, just keep receipts and all

This is one of the reasons I went with NRMA also.
Just make sure value of car plus mods is covered by the agreed value.

Also be sure to read what is covered, one of the cheap online guys I looked at only covered up to $3,000 if the at fault driver was uninsured and could be identified!

Blue86 · 10-20-2012, 04:26 AM

there is a distinction between mods and accessories

Captain Snooze · 10-20-2012, 07:47 AM

NRMA, $45k value, 1k excess, $1055.

One of the questions NRMA asks is "Is your car in a condition that meets registration requirements in your State/Territory?" Best of luck if you answer no.

benoh · 10-20-2012, 08:25 AM

So for those of you in a similar situation...
21yo Male. Below average Sydney(inner west) suburb. privately garaged. No at-fault claims.

NRMA-$2300
AAMI-$2947
JUSTCAR- $1989
COLES-$5400

And just for the lols:
YOUI- $9645 (no kidding..)

Even Just Car's quote of 1989 is a bit steep to be honest. These are all online quotes, anyone know of possible cheaper insurance companies or companies that will match my lowest quote?

czar07 · 10-21-2012, 02:57 AM

23 yo male, no incidents in the last 5 years, perth

SGIO - $1200 full comp + free windscreen + hire car
Just car - $1200 for full comp

Palmy · 11-19-2012, 10:51 PM

Car's getting close now so I've been looking around...
27 year old male, no accidents in past 5 years, lower-middle class suburb, no previous insurance.
Coles: $1632p.a. - $700 excess, market value
GIO: $1611p.a. - $800 excess, $35,490 agreed
AAMI: $1580p.a. - $720 excess, $34,800 agreed
Allianz: $1533p.a. - $650 excess, $34,800 agreed
JustCar: $1477p.a. - $625 excess, $34,800 agreed
NRMA: $1118p.a. - $800 excess, $37,200 agreed

NRMA wins.

10-18-2012, 05:00 AM	#144
llama_au Loud Noises Join Date: Jun 2012 Drives: BRZ & YGZ11 Cube3 Location: Victoria, Australia Posts: 160 Thanks: 13 Thanked 13 Times in 9 Posts Mentioned: 0 Post(s)	This is farked. Shannons are now quoting me $1550 per year for a BRZ. 28, female, rating 1 for life - no claims ever. __________________ Proud owner of an April 2013 WR Blue Mica BRZ Premium Pack

10-18-2012, 05:36 AM	#146
llama_au Loud Noises Join Date: Jun 2012 Drives: BRZ & YGZ11 Cube3 Location: Victoria, Australia Posts: 160 Thanks: 13 Thanked 13 Times in 9 Posts Mentioned: 0 Post(s)	I forgot to mention that's WITH my CAMS discount and multi-policy discount. Ridiculous. At one point I had three cars comprehensively insured with them at once and all were valued at over $20K each. I'll be shopping around. __________________ Proud owner of an April 2013 WR Blue Mica BRZ Premium Pack

10-21-2012, 02:57 AM	#153
czar07 Senior Member Join Date: Sep 2011 Drives: '97 RSP JZZ30 GT-T Location: Australia Posts: 612 Thanks: 365 Thanked 192 Times in 101 Posts Mentioned: 2 Post(s)	23 yo male, no incidents in the last 5 years, perth SGIO - $1200 full comp + free windscreen + hire car Just car - $1200 for full comp __________________ Germans>Japanese>Italians>Americans. Unless its a Corvette.

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10-17-2012, 11:22 AM	#141
Blue86 Senior Member Join Date: Jul 2012 Drives: Sonic Blue 86GT Manual Location: Victoria Posts: 376 Thanks: 51 Thanked 122 Times in 61 Posts Mentioned: 1 Post(s)	I went with budget direct because the chick off the ad blew me.. Or they were cheaper. :-)

10-17-2012, 07:03 PM	#142
AUmarvin Senior Member Join Date: Jul 2012 Drives: BRZ Location: Sydney Posts: 107 Thanks: 9 Thanked 35 Times in 13 Posts Mentioned: 0 Post(s)	I'm getting quotes of approx $1300 - $1500, but I'm only using the online quotes at the moment. Also, does anyone know if adding an intake and exhaust are going bump up the insurance? How far do you have to go before it is declared a 'modification' by insurance companies. And manufacturers for that matter?

10-17-2012, 07:30 PM	#143
Surok Wise old man Join Date: Jun 2012 Drives: 86 GTS Location: Sydney Posts: 1,003 Thanks: 999 Thanked 240 Times in 161 Posts Mentioned: 7 Post(s)	anything is a modification

10-18-2012, 05:33 AM	#145
a.beck Doing it wrong. Join Date: Sep 2012 Drives: BRZ Location: Sydney, Australia Posts: 129 Thanks: 43 Thanked 33 Times in 29 Posts Mentioned: 0 Post(s)	Shannon's is one of the more expensive insurers, IME.

10-20-2012, 04:26 AM	#150
Blue86 Senior Member Join Date: Jul 2012 Drives: Sonic Blue 86GT Manual Location: Victoria Posts: 376 Thanks: 51 Thanked 122 Times in 61 Posts Mentioned: 1 Post(s)	there is a distinction between mods and accessories

10-20-2012, 07:47 AM	#151
Captain Snooze Because compromise ® Join Date: Jan 2012 Drives: Red Herring Location: australia Posts: 7,823 Thanks: 4,053 Thanked 9,565 Times in 4,199 Posts Mentioned: 60 Post(s)	NRMA, $45k value, 1k excess, $1055. One of the questions NRMA asks is "Is your car in a condition that meets registration requirements in your State/Territory?" Best of luck if you answer no.

10-20-2012, 08:25 AM	#152
benoh Member Join Date: Jun 2012 Drives: 86 Location: Sydney Posts: 97 Thanks: 0 Thanked 4 Times in 4 Posts Mentioned: 0 Post(s)	So for those of you in a similar situation... 21yo Male. Below average Sydney(inner west) suburb. privately garaged. No at-fault claims. NRMA-$2300 AAMI-$2947 JUSTCAR- $1989 COLES-$5400 And just for the lols: YOUI- $9645 (no kidding..) Even Just Car's quote of 1989 is a bit steep to be honest. These are all online quotes, anyone know of possible cheaper insurance companies or companies that will match my lowest quote?

11-19-2012, 10:51 PM	#154
Palmy Senior Member Join Date: Dec 2011 Drives: '12 86 GTS (AUDM) Location: Sydney Posts: 253 Thanks: 10 Thanked 42 Times in 31 Posts Mentioned: 0 Post(s)	Car's getting close now so I've been looking around... 27 year old male, no accidents in past 5 years, lower-middle class suburb, no previous insurance. Coles: $1632p.a. - $700 excess, market value GIO: $1611p.a. - $800 excess, $35,490 agreed AAMI: $1580p.a. - $720 excess, $34,800 agreed Allianz: $1533p.a. - $650 excess, $34,800 agreed JustCar: $1477p.a. - $625 excess, $34,800 agreed NRMA: $1118p.a. - $800 excess, $37,200 agreed NRMA wins.

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