Just Car Insurance - No Choice of Repairer!!!

[Caprice270]

Hi Guys,

Just a warning for all of you that value your car:

I've just been reading through my Just Car insurance policy because my car has been vandalised and realised I don't get to choose a repairer on a claim. Instead, Just Car requires me to use a repairer on their list. I'm switching to Shannons ASAP.

This is a major problem for two reasons:

1) I know exactly who I want to repair my car in case of accident because I have seen their work and it is flawless - but they are not cheap!;

2) Just Car's list is likely to be full of repairers that compete on price rather that quality.

Cheers.

[S2VYSS]

Shannons is the only way to go if you have a modified car or really care about your car at all

[MRLXSS]

Yeh mate, Shannons will look after you. They also have Lifetime gaurantee on repairs!

[Caprice270]

In this case, my chosen repairer's quote is not much more than my excess so I'll just pay for it myself. But I'd to HATE to be in this position if I had a major bingle and couldn't use a trusted workshop that values quality workmanship.

[sandmanls1]

is this on the 350z? (zorg from da)

have you tried budget car insurance they let you have a choice of repairers I would be heading straight to Charles Battisti and co in Nundawading they did my wife's Merc sterling job even fixed a headlight bulb which had blown before it went it, never seen a cleaner workshop you could eat your dinner off the floor. they do a lot of work for Porsche, BMW, Mercedes etc. Otherwise Allianz are reasonable plus provide a hire car for up to 14 days I think.

[VXSS346]

Got a quote from them recently,

The price was about right ($1,200) but with $1,500 excess and .... wait for it ..... $3,000 theft excess :lmao: Like yeah right. :lmao::lmao:
Look out for that scam too.

My 2c.

Cheers :)

[Caprice270]

is this on the 350z? (zorg from da)


Yeah, can't believe I exposed the 350Z to potentially sub-par repairs. The egging may have been a blessing after all because it led me to read my insurance policy. I suggest everyone does the same. I may be over reacting, but if another insurance company is willing to at least claim they provide choice of repairer, I may as well make the switch.

[TUFGN3]

i think shannons only insures over 25 year olds, which rules me out. Im currently with just car.....

[Drewie]

My daughter has had her car with RACV had a couple of claims and has had no trouble going to her repairer of choice. Not sure but they may have told her that using her own repairer may void the lifetime warranty on the repairs.
Not 100% certain on that though.

[Bravotwozero]

I wouldn't get too hung up on choosing your own repairer. I'm with AAMI and also don't get to choose repairer. The shop they gave the job to when I had a rear ender a few months ago did an outstanding job.

Something wrong if you have a preferred panel beater! :jester:

[Y55-7UT]

yeah i dont understand what the big winge is about it all, unless your trying to get a mate/family buissness then why care, if your not happy with the work dont pick it up or send it back

[Roly]

JUST CAR / AAMI are pricks and would be the last company i would ever insure with.

They have the worst rep for panel beaters and most will simply refuse to do a JC / AAMI repair.

[S2VYSS]

i think shannons only insures over 25 year olds, which rules me out. Im currently with just car.....

You need a 5 year driving history I think to have insurance with them now

[Toddler78]

I was with just car for convienece and they were the cheapest, not this year for my monaro 1200 premium with a 1800 excess rating 1 no bad history(to tell them about) and agreed value of 32K with no choice of repairer.

went withh RAA 1200 premium with 400 excess OR 1000 excess with 1000 primum which I went for. 34500 agrred value and choice of repairer.

was a no brainer for me.

I know someone at the moment getting the ream job from shannons.

[TUFGN3]

as far as im concerned theyre all the same regardless, any sniff that they dont have to pay up and theyll put up one hell of a shit fight to get out of it.........the only reason I would prefer a certain place to do my work is 1. i know them well and 2. most importantly they are the only guys around here I have seen match panels on a metallic silver car (being mine). All the other guys couldnt even get it anywhere close......

[Louie_D]

AAMI didnt allow my dad to make a claim when someone ran into his Mercedes. They didnt have a problem taking his money for insurance over so many years though.


JUST CAR / AAMI are pricks and would be the last company i would ever insure with.

They have the worst rep for panel beaters and most will simply refuse to do a JC / AAMI repair.

[Wonky]

AAMI didnt allow my dad to make a claim when someone ran into his Mercedes. They didnt have a problem taking his money for insurance over so many years though.

On what grounds? :shock:

[1000kw]

Just Car....Just crap!!!!

Just Car....Just crap!!!! No difference i premium when the car was in locked, monitored alarmed garage or parked on the street, unbelievable excess of around 2000, im not paying for 20yr olds driving grey imports anymore thanks to Shannons.

[smokey777]

suncorp let me use my own repairer

[OOL51]

You need a 5 year driving history I think to have insurance with them now

Only allowed 1 suspension/disqualification in that period. Only reason i'm not with them yet, stupid me being a ****head when i was younger

was with just car till the jacked up my premium and devalued my car just after i turned 25 and then told me age has nothing to do with the premium, went to aami as they only went back 3 years history but as soon as a can going to shannons

[Bravotwozero]

JUST CAR / AAMI are pricks and would be the last company i would ever insure with.

They have the worst rep for panel beaters and most will simply refuse to do a JC / AAMI repair.

Have you ever been insured/made a claim through AAMI? I'm guessing not and you're basing your opinion on nothing but hearsay from others. I've been with AAMI pretty much since the day I bought my first car. I've made 2 claims through AAMI with one being an at fault. Both times they have been extremely easy to deal with and I've never had to chase anyone up to find out what is happening with repairs or what not.

The last claim I made (at fault) was in July this year when I rear ended somebody. Made the claim on the Thursday afternoon over the phone, car was booked in for assessment the following Monday and repairs were approved that afternoon. The whole process ran faultlessly and the repairs were to a very high standard first time. I was especially impressed with the colour match. Blended in very very well.

So why are they pricks? I've heard a few people suggest they're crap but no reasons as to why they think that. Other than they heard it from a mate/uncle/mate's uncle/uncle's mate or their mate's uncle's dog.

[Pickles]

Whilst I have never been insured with AAMI, probably because I prefer to choose my own repairer, my daughter has.
She has had a couple of claims with them, & has been very happy with the service. On one occasion, she was not happy with a bit of paintwork, & AAMI arranged for it to be re done--so it can't be all bad.
Cheers, Pickles.

[bwhinnen]

suncorp let me use my own repairer

Same here, although they were on the list of recommended repairers...

I've got the Clubsport with SunCorp and the WRX with Shannons (too many mods for SunCorp). I've not had to claim under Shannons yet though so can't comment on that side of things.

SunCorp were great to deal with, I got rear ended (in the XR8 I owned before the Clubby) last year and organised for the car to be repaired whilst I was overseas for a month. Job was done perfectly and no hassles at all, assessment department was easy to deal with as was the claims department. I just wish their home and contents people were easier to deal with :(

[Caprice270]

I can't say what AAMI and Just Car are like to deal with, but I do know I have a particular place in mind for all repairs to my car. Not being able to use them after a bingle would really annoy me.

[ASSASIN]

Only allowed 1 suspension/disqualification in that period. Only reason i'm not with them yet, stupid me being a ****head when i was younger

was with just car till the jacked up my premium and devalued my car just after i turned 25 and then told me age has nothing to do with the premium, went to aami as they only went back 3 years history but as soon as a can going to shannons

I have only had 1 suspension in 7 years and shannons wont touch me till i have a 5 year claen record

[TUFGN3]

so has anyone ever actually made a claim with just car before we all condemn them? I have emailed them to request a preferred repairers list so I can find out if I have a stack who I can expect to repair it.

[Bravotwozero]

One thing I did find funny with AAMI/Just Cars was the $500 a year difference in premiums between the 2 even though they have the same underwriter. For a daily driven modified car I think AAMI is an excellent choice. Although my SS is no longer driven daily, I may swap to Shannons when I do the cam/stally/diff gears in a few months.


so has anyone ever actually made a claim with just car before we all condemn them? I have emailed them to request a preferred repairers list so I can find out if I have a stack who I can expect to repair it.

You don't get to choose even from their preferred repairers. If you make a claim, the car goes to an assessment centre where their repairers come in do the quote then the jobs get allocated by the assessment centre. That's the way it is with AAMI so I would assume Just Cars would be the same.

[OOL51]

I have only had 1 suspension in 7 years and shannons wont touch me till i have a 5 year claen record

When I went and got a quote at a car show at the start of the year at the shannons stand they told me they couldn't insure me as i've had more than 1 suspension in the last 5 years. Don't know about your situation but i'm only going on what they told me.

[TUFGN3]

ok then, well if just car are that bad then who would you guys recommend for a 23 year old with a VYSS with basic mods.

[Bravotwozero]

ok then, well if just car are that bad then who would you guys recommend for a 23 year old with a VYSS with basic mods.

I'd go with Just Cars because at your age with a modified car you don't really have many other options. Sucks to be young sometimes.

[TUFGN3]

thanks, thats who i am with, have been since i was 19, i got a VR V6 with a sports exhaust bakc then and no one but just car would touch me! bellshit if you ask me. Anyways, since I have been with them for so long they gave me a discount and they have given me a really good agreed value on the car and have agreed to cover all my mods......so far I have no complaints, touch wood.....

[Toddler78]

so has anyone ever actually made a claim with just car before we all condemn them? I have emailed them to request a preferred repairers list so I can find out if I have a stack who I can expect to repair it.

yes, single car accidendt at fault and it took them 3 months to approve claim, and that was only after the police and the insurance obusman got involved and they still made me sign a stat dec saying if they found out anything later I would have to pay them back.

but at your age it is the best of a bad bunch. and I did insure my monaro with them only because at the time they were the cheepest and it was better the devil you know.

[darcy]

so has anyone ever actually made a claim with just car before we all condemn them?

Yep. I backed my VU into another VY at work :doh:.

No problems or delays with the claim.

The repairer was one I would happily have chosen as my own preferred repairer anyway. :thumbsup:

[TUFGN3]

thats just it though isnt it, your always going to get half saying theyre great and half saying theyre terrible......same with anything really

[3pbe3]

You don't get to choose even from their preferred repairers. If you make a claim, the car goes to an assessment centre where their repairers come in do the quote then the jobs get allocated by the assessment centre. That's the way it is with AAMI so I would assume Just Cars would be the same.

Just went through the claim process with Just Cars - rear ended a poor Mazda 3 - my fault for insurance purposes. Only superficial damage - front bumper, front left quarter panel and bonnet, no chassis damage. Process was smooth and quick - had a choice of their preferred repairers - all of whom I would've been happy to use for this level of damage (if you choose theirs, no assessment centre) . For more serious affairs though - agree that it is a concern not to have your choice of repairers.

Only draw back, no replacement car while repairs were being done which I knew was the case anyway (drove my sister's Mazda 121 for 3 days - the pain!). Otherwise all good.

[KCB50L]

I know someone at the moment getting the ream job from shannons.

They must have been telling porkies or something, I'm with Shannon's, have been for 2 cars now (5 1/2 years). I had an acco in my statesman when it was on the road (my fault) and the hole matter was attended to in day's, the car was fixed within 2 weeks of the accident My choice of repairer and all..

[team illucid]

I'm with Shannon's, have been for 2 cars now (5 1/2 years). I had an acco in my statesman when it was on the road (my fault) and the hole matter was attended to in day's, the car was fixed within 2 weeks of the accident My choice of repairer and all..

Shannon's fixed our car within 2 weeks of the accident. Our choice of repairer. One phone call. Very happy with them.

[Pickles]

so has anyone ever actually made a claim with just car before we all condemn them? I have emailed them to request a preferred repairers list so I can find out if I have a stack who I can expect to repair it.
Could you post up the list?--we then may be able to make a more accurate judgement.
Cheers, Pickles.

[clarky]

Hi All,

I can also agree with what others say, AAMI/Just Car stay away. I was with AAMI years ago, I wont go into detail here, but AAMI would not honour my claim, I was only young at the time, my dad called the insurance ombudsman etc, and went to several panel shops to get opinions advice. It is well know in the panel shop industry that AAMI are hands down the worst insurance for both the consumer and the panel shops. If you ask around panel shops they can tell you quick smart a few truths about AAMI, ask around you may get some interesting responses. I tell anyone who will listen dont touch AAMI, especially if you are a car enthusiast or want mods etc. Eventually AAMI did pay my claim, that was after the insurance ombudsman demanded that they pay. I have been with Shannons for all my cars, SS now, Mustang, they are very professional, understand car mods, they are really good. When someone ran up the back of my mustang, it was fixed without question, and at my choice of repairer, no hassles, no questions and very courteous service. Sure they are not the cheapest, but ill pay for peace of mind, sometimes cheap aint always the best.

If I could say anything to you fellow LS1 members, if you are with AAMI, I would seriosly advise you to look elsewhere if possible, I would not want anyone else to go through what I did, its just not worth it.

I would only ever insure with Shannons from now on in, cant recommend them highly enough.

[white lie]

Another vote for Shannons here.
Got the GTS insured with them, everything is listed on the policy and they actually understand whats been modified. Much better price than JustCars in my case too.

[vsequipey]

I just changed from Just Car to Shannons. If you are under 25 then call up Shannons and see what they can do for you - they offered to insure me 2 years ago when I was 22 even though officially they say only over 25. Haven't made a claim with either so can't give an opinion there.

Have made a claim through CGU and was not the least bit happy with their service. They were very slow at doing anything and so I'll never go with them again.

[TUFGN3]

I just changed from Just Car to Shannons. If you are under 25 then call up Shannons and see what they can do for you - they offered to insure me 2 years ago when I was 22 even though officially they say only over 25. Haven't made a claim with either so can't give an opinion there.

Have made a claim through CGU and was not the least bit happy with their service. They were very slow at doing anything and so I'll never go with them again.

in comparison with just car what are shannons like for pricing??

[Toddler78]

They must have been telling porkies or something, I'm with Shannon's, have been for 2 cars now (5 1/2 years). I had an acco in my statesman when it was on the road (my fault) and the hole matter was attended to in day's, the car was fixed within 2 weeks of the accident My choice of repairer and all..


me dont think so, this person has off the top of my head 4 cars currently insured with them. and has had every other car they have owned insured with them. This guy is no joe bob either, the car in question is a show car and has had it featured (cover) in magazines, and have had many magazine cover cars, so dont think he is telling porkies.

at the end of the day they are only as good as their last claim. They are good and bad stories from all businesses if you look hard enough. I had a bad experience with just cars, was it enough to change insurer, not at the time although I have now due to mainly the premiums. Would I insure my car with shannons after knowing what is going on at the moment with my mate? yep but their online quoting system doesnt work for my car and I am too lazy to ring up.

[hsv-105]

All this crap about AAMI - JUST CAR - SHANNONS.

FFS Fella's there all owned by the one company.

Look at your policy statement prior to paying your premium rather than whinging later.

All 3 companies are structured to suit the needs of 3 totally different markets.

Sure Shannons can be difficult to get a start with but that is what protects the reasonable premiums that they offer the true enthusiasts.

Just Cars will insure near on anyone and anything but at a large premium and huge excess.

AAMI offer a product for the everyday motorists / comuter in line with the rest of the mainstream insurers.

Good insurance at a good premium is something that is earned.

[impulsesv6]

where can i find a justcars list of their repairers

[Banks_vz]

I just changed from Just Car to Shannons. If you are under 25 then call up Shannons and see what they can do for you - they offered to insure me 2 years ago when I was 22 even though officially they say only over 25. Haven't made a claim with either so can't give an opinion there.


How did you manage that?

[Crusty]

I'm with shannons and had to make a claim recently, someone uninsured with only L's hit my car in a carpark and I caught them doing it! I was worried that because of his lack of insurance/license it'd be a problem for me however Shannons told me not to worry, they SMS'd my claim number to me within 4 minutes of phoning them.

I took the number to my preferred repairer who took details and photo's and emailed to Shannons, I got a call back in about 4 days from Shannons to tell me that it was approved and to call the repairer and book it in, repairer booked in and fixed within a week.

All up took about 2 weeks from incident to repaired car, speaking to the panel shop they said that Shannons and AAMI are one in the same and are excellent to deal with, RACV they have trouble as they dont like to pay claims.

This happened only a few months ago too so is recent information for those wondering what Shannons is like :D

[vsequipey]

in comparison with just car what are shannons like for pricing??

For the latest prices I'm now rating 1.
Just Car: ~$1000 extra to pay by the month. 3 grand excess + 1k more if stolen
Shannons: ~$1500 no extra to pay by the month. $700 excess


How did you manage that?

Rang up, lady asked me a bunch of questions about motorsports, car clubs etc - they wanted me to convince them that I was a Motoring enthusiast. Easy enough.

[BLACK 346]

Rang up, lady asked me a bunch of questions about motorsports, car clubs etc - they wanted me to convince them that I was a Motoring enthusiast. Easy enough.

That is a very important part of the process when trying to get
insurance with them. My Father Inlaw tried to get his 260Z
and Porcshe insured with them, when asked the above questions,
he replied that he was not in any clubs at the moment. End
result, sorry sir, we cannot insure you. I did tell him to join
the Porsche club prior to speaking to Shannons.

[Banks_vz]

For the latest prices I'm now rating 1.
Just Car: ~$1000 extra to pay by the month. 3 grand excess + 1k more if stolen
Shannons: ~$1500 no extra to pay by the month. $700 excess



Rang up, lady asked me a bunch of questions about motorsports, car clubs etc - they wanted me to convince them that I was a Motoring enthusiast. Easy enough.

Those figures are exactly the same for mine (justcars), what age where you when you asked them/joined? Dont mind paying an extra $500 a year for reducing the excess by $2300!!! good deal if you ask me

Mine due in for renewal in JAN, not really keen on going with just cars again, might give shannons a ring on the ol' blower. :)

[`redoctober]

thanks, thats who i am with, have been since i was 19, i got a VR V6 with a sports exhaust bakc then and no one but just car would touch me! bellshit if you ask me. Anyways, since I have been with them for so long they gave me a discount and they have given me a really good agreed value on the car and have agreed to cover all my mods......so far I have no complaints, touch wood.....
That's a bit strange, I'm 18 with a VE and RACV love me (probably because of my premium), but pretty much every insurer had approved me. I chose RACV because the family's had good dealings with them before, fixed my brothers car pretty well too.

It's weird that no-one would touch you with a VR V6? Bit stupid if you ask me.

[TUFGN3]

That's a bit strange, I'm 18 with a VE and RACV love me (probably because of my premium), but pretty much every insurer had approved me. I chose RACV because the family's had good dealings with them before, fixed my brothers car pretty well too.

It's weird that no-one would touch you with a VR V6? Bit stupid if you ask me.

Your telling me, this was 5 years ago now but it was bloody annoying. Id never had an accident or an kind of fines, no bad record of driving (this was my second car at the time) and as soon as I said sports exhaust it was no sorry......even though I was changing my insurance from a HJ Premier with a worked 308 to a V6 commy!

[BLOWN_VXSS]

I have just changed from Just Cars to Shannons, basically for the reasons above. The claim excess for JC's is in my opinion ridiculously high; why is this so. Anyway Shannons excess is much better, also the policy seems to offer more benifits and cover for modified cars.