How much do you pay for insurance?

[burnoutnut]

Hey guys,

I did a search and didnt come up with anything

How much do you pay for insurance?
How old are you ?
What car do you drive?

ill go first

I'm 24 with a clean driving record (i mean super super clean) and because im looking into getting a VE SS, ive been getting some quotes and my insurance is going to be about $850 a year:vpo:

whats yours?

you may ask what the key to a super super clean history ? driving a 1989 subaru sports wagon. lol

[johnus]

im 20, i drive a ve omega and it costs me $900 :bawl:

[vicarious]

32 years
ve sv6 ute with accessories
$650 full comp + $80 for tool insurance

[silver_ss]

im 21 and drive a vx ss and mines over 1000 a year

[JulieRush]

33 years
2002 CV8, modified a little.
$750 fully comp, limited to 10,000kms a year. A nice improvement on the $1385 that AAMI quoted me.

[burnoutnut]

33 years
2002 CV8, modified a little.
$750 fully comp, limited to 10,000kms a year. A nice improvement on the $1385 that AAMI quoted me.

aami are freak's! i rang up for an insurance quote and the lady was asking me if it had headlighs/tail lights/windscreen

i was like "WTF YES" lol

[DukeZ]

26
bit under 1000
full comp rating 1
racv
fairly clean driving history

bit steep but want the car gotta pay the price

[MAD.60L]

where are these prices from im paying $ 1850 through DAWES full comp on a vz ss 6l and im 28 i better do some shopping around.

[omgbees]

AGE: 26
CAR: 2003 Monaro (Auto)
INSURANCE: Full comp $684 through AAMI (Rating 1)
THINGS TO CONSIDER: I have a recorded at fault accident from about 7 years ago

[burnoutnut]

where are these prices from im paying $ 1850 through DAWES full comp on a vz ss 6l and im 28 i better do some shopping around.


RAC for me.... also aami is good to

but it helps to have a clean driving record because they do ask you about it

[sld86]

23
06 ve ss turbo
Just car insurance
$1150 full comp
havent had a court appearance or suspension for 5 years so that helps abit

[Evman]

23
Modded VY SS Sedan
Elders Insurance
$1700/year

[redvess]

28
VE SS
Racv
$1195 with windscreen replacement and hire car options

[VY.SS.UTE]

24 VY SS series II ute, manual. Went through shannons, cost bout $1100 which includes all the upgrades ie cam exhaust intake etc. Will do more work once i turn 25 as my premium will decrease.. Suprisingly to about $950

[wyldnyt]

28 vy clubsport had a car stolen last year took AAMI 6mths to pay out thats my only claim in 10yrs driving, will never insure with those pricks again.
Now with gio at $1200 per year

[OPTIMUS]

31 AAMI 06 VZ SS exhaust otr tune 20s
1 windscreen per year
750$

[BLACK 346]

Youngest driver 37yo, Shannons
2000 VT2 SS H+C, 20's, lots of other mods $696pa
2001 WRX Hatch, exhaust and rims $696pa
All mods listed for both cars, clean driving record
for both drivers.

[vess330]

Im with RAA. Covered for exhaust, intake and VCM Edit (inc replacement windscreen, loan car)
Current Cost: $790.05 annually

Looked into Cam, valve springs, etc. upgrade but RAA wont cover it, though their performance division of H2P Insurance would be more than willing to provide cover for less than $1000 a year.

[toey]

$1400pa

27 male, 24 female drivers with nrma, 65%ncb, multi policy discount (wifes car, both green slips, home and contents), 10 years of insurance discount.

every year i ring around for quotes and nrma come out infront every time by a minimum of $300 with the most being $1300 dearer. its only due to where we live and the amount of claims from hitting damn roos, damn them to hell.

[disco364]

21, vy ss ute, 2490 full comp for the year, no suspensions or cancelations, alot cheaper to than my vz v6 ute 12 months ago when i had it was about 2700 lol.

[1BEAST2NV]

26, vx clubby, RAC, 1400 p/a, few mods insured aswell..

might ring around this year and try get a better quote.... I think its abit steep, but better to have it than not have it..

[burnoutnut]

21, vy ss ute, 2490 full comp for the year, no suspensions or cancelations, alot cheaper to than my vz v6 ute 12 months ago when i had it was about 2700 lol.

holy cow. that why i waited untill now to don eh old VE SS

[ATOMIC MALOO R8]

VE MALOO camed and blown was $780 before the pd
with sun corp

now with the pd and Shannon's $1175 full no claim
rateing 1 for 20 years and agree $65.000 value (bit low i thought )
64 yo a bit of a rip but no where else to go
with THE MODS :bawl:

[M1SSV8]

27
VE R8
RACV - $1600 ish
Inc Silver Member discount and multi-policy discount :rolleyes:.....
Not so clean driving record...

looks like Ill be shopping around come renewal time. :soap:

[JLR]

Yeah, i'd definately shop around. Do the quick online quotes of other companies and you'll be surprised how much you can save.

And ask your chosen insurer if they will match the price of the other insurance company. Keeping in mind that excess amounts do change up or down the premium.

30
VX SS 2 Turbo (long list of mods)
Just Cars $800 (back to just cars only cause Custom car insurance, and Ryno insurance no longer provide policies)
NCB 1
Clean history


27
VE R8
RACV - $1600 ish
Inc Silver Member discount and multi-policy discount :rolleyes:.....
Not so clean driving record...

looks like Ill be shopping around come renewal time. :soap:

[vz6.0]

33, nothing nasty for 10+ years, wife destroyed a car in my name 3yrs ago(she was listed on the policy)

vz 6l crewman, completely stock.
aami
almost a grand a year.

I think im getting stooged...

[rgmast]

33 E1 Maloo $1200 AAMI happy with mods (lowered OTR and full exhaust)(clean driving record)
Shannons wanted $1400 but had to be parked in a garage I only have carport

[Goggles]

for my SSV:

37 currently with QBE - $1600 pa - this includes full lease payout in the event of a total loss within the first two years.

however, am in the process of changing to AAMI - $1000 pa.

$1600 is too steep IMHO.

[SSKIDD]

23
Modded VY SS ute, H+C, exhaust, 19's etc.
$900ish limited use ($1100 full time) with Shannons, all mods covered
Good driving record, kept locked up in a garage

[feistl]

$1900 P/A + $4500 excess. Justcar (Car insured for $21k, worth ~$30ish)

23 Male, VX V8 (330rwkw, stroked and worked). One crash ($13k damage) 2 years ago.

Soon as im 25 im going to shannons (regardless of cost).

Could reduce the excess by increasing premium.... but its a weekend only car, and im a pretty good driver so i prefer the higher excess.

[VYBerlinaV8]

VY Berlina LS1, mostly stock. 34 years old, pay about $700 a year.

[DCV1NU]

24 yo male
$1700 thru Just car
Ve SS V
1 claim 2 1/2 years ago

[coogss]

24,vz ss ute 6l covered for wheels ,lowered,full exhaust intake and tune.just cars $900 rating 1 clean history

[UTESRULE]

how hard is it to get insurance for a turbo car single turbo car vy vz

[SS V8]

Price...prices...prices. Not just the $$$ you need to consider. :)

Make sure you tell your insurer everything about your history, including suspensions and those voluntary ones you do for 3 months as opposed to run the risk of 12 months with no more fines...you know what I mean. Also make sure you get it detailed on your policy in black and white and not just an "okay" over the phone from an insurer quote sales person who is really only after their quota.

Why ? because insurance companies are very quick to take your $$$ then if there is any chance they can get out of paying a claim they sure as hell will.
:confused:

Example: 45 year old male colleague clear driving history, points all but gone from speeding so he decided to hand his licence in for 3 months, and clear the slate so to speak. His insurer when notified over phone said all is okay since his license wasn't suspended or disqualified. Then he had an accident with a cost to his car of $19000 when he ran off road at a "T" intersection through a fence into a paddock, no other vehicle involved and no alcohol in his blood.
Insurer would not pay, sighting he didn't notify of his voluntary handing in for 3 months, he argues he had, no record of that they said, so he took them to court, guess who won.
So as with most things today the $$$ isn't the only thing you need to consider. No good taking the cheapest quote promising the best cover if you have not told everything, so be warned.

Here endeth the lesson

As for myself 51 years, male, rating1 for life, E1 R8, AAMI $1260 QBE $784 and same prices for E2 R8 coming in Feb so go figure a $500 difference, I've read and compared policies and still can't explain, just hope it's AAMI being greedy and trying to get payback on all the TV advertising costs. :vpo:

[seedyrom]

No one from Sydney commenting?

youngest driver is 32, never made a claim ... $1700 a year.
Hell I even pay $500+ per year for my 1996 Corolla.
I live in a decent area.

Shannons.

Don't know why some people are whinging about sub $1000 premiums.

[WOMBIE]

What seedy said and to the OP take the $850 quote ffs........

[ls1vt209]

Age 35
VT SS S2 cammed
Shannons
$640 a year (Was the same price when it was supercharged, which it will be again next week yeehaa).

But the car is not used to commute to work, is used regularly just not to work.

[Red Beard]

Here's one from Sydney:
39 - clean driving record for 10+ years
05 VZ SV6 - catback exhaust, DVD, 18" wheels covered for 19k plus
AAMI $1050 with windscreen and discounted rental car.
In fact will cover any modification, as long as it's street legal.
Most of the others rejected me outright when I mentioned the exhaust.

Got a quote for a 20k 05 Calais 5.7 - $100 less than the SV6

Also got a quote for a 24k 04 Adventra LX8 - about $250 more.

Who can figure.

And yes, getting insurance in Sydney does suck.

[DRAGON]

I'm from Syd and paying about $3300 for my 2 cars.

The VS Wagon is around $1700 a year, and the VZ Calais around $1600 a year... both with Shannons.

I'm almost 27, clean driving record, only 1 claim made back in 2000, and I'm the only driver of both cars.

Sydney prices suck!

[wally01]

44 VY 11 SS clean record rating 1 free windsreen $300 excess $628 per annum from memory with CGU ..

Our VT Wagon V6 is not much less $48 per month ..

[VYBerlinaV8]

Don't know why some people are whinging about sub $1000 premiums.

Don't know why people are whinging at all. It's not like you buy a car and then 'discover' the cost of insurance - it's just another cost to be factored in, including petrol, rego, servicing, tyres, loan interest, and even depreciation...

[OMR346]

24y/o male, Southside Brisbane, perfect driving history (1 accident 3 years go but wasnt my fualt), 2005 VZ SSZ, $120 a month thru AAMI for $28.5k cover.

I turn 25 next month and i will defently be ringing around to find some cheaper prices. Not many places like it when you tell them you are 24 and have a cammed LS1 lol

[Alex81]

28yrs old
Z series clubsport, full list of modifications with more to come:)
AAMI-$700 nsw/vic border, excess $500

[ssute57]

37 years old living in sydney (west) VE SS-V Wagon 20" rims, exhaust no claims etc previously. Insured by NRMA at $49,990 for $1,250 a year.

[Wonky]

Until recent posts people had missed including one key piece of data which significantly affects insurance premiums and that is where you live!! You try insuring a car in Dandenong (high rate of thefts and accidents) and then price the same car with same driver's details etc in Upper Manangatang North (i.e. out past Woop Woop) and see the difference!! Our premiums dropped noticeably in 2008 when we moved from outer suburbia to outer, outer suburbia.

My SSV ute is insured with AAMI with every mod listed (lowered, rims, exhaust, extractors, tune etc etc) for around $800. Lifetime rating 1. Borderline outer suburbia and country.

PS I'm an old fart! :lol:

[bigdogdazza]

38yrs young, full no claim bonus and a bit over a k a year for 09 ss ute with mods.

[ATOMIC MALOO R8]

please state weather you have FI OR NA
as the premium goes through roof with FI

[Slammer]

May 2008 Maloo 20's leather 6 speed manual with air suspension engineered
Business insurance $55000 $1875 with CGU
1 free windscreen for $35 extra
43 years old perfect record for past 22 years

[Krizto]

I'm 29 and have a SV6 with SIDI and pay about $1,090 but I've had a few claim's in the past.

[SS18]

18 with a VX SS. Few mods. Cat back extractors and rims. First year for me was 1900 dollars with a 2750 excess from SGIO. Should hopefully go down to 1600 this year if im lucky. Clean record, not even a ding.

[hyperss82]

27yrs old 2009 ve ssv ute with mods and 20" $980 shannons only claims for storm damage

[JT090]

19 (got this deal when I was 18)
VU SS with mods
Shannons $1500 full comp
(got quotes of $6000 a year with some companies then Was paying $3000 a year with nrma so in comparison its good)

If your young and you want the good toys you certainly have to pay for it

[CLUBRED]

30 male, brisbane south, no claims, Calais V V6 stock (except for mudflaps) - $423pa full comp with racq (member discount + house and contents).

[iloveholden]

20.y.o Male
2004 VZ executive with all mods (even though minimal) on the policy including my V1 RD
Locked in garage in an eastern Perth city suburb

Pay $620/year as of last premium.

[GEN4LS2]

im 20 male
ve ss ute
best i could get was $1900 full comp with just cars
dont live in the safest area (west suburbs of melb)

[Drewie]

Another thing not a lot are mentioning is whether the premium is for 'Agreed Value' or 'Market Value' the 'Market Value' payout in the case of a write off may be a bit of a shock in some cases.

[SirNemesis]

24 year old male. WH2 statesman with a few mods park in the front yard in the suburb Corio (really dodgy area). $800 full comp

[iloveholden]

20.y.o Male
2004 VZ executive with all mods (even though minimal) on the policy including my V1 RD
Locked in garage in an eastern Perth city suburb

Pay $620/year as of last premium.

Agreed Value...16k :)

[Wonky]

Agreed value on my renewal is still $49k (car 10mths old now but got out of sync on car changeovers).

[zorro]

24y/o male, Southside Brisbane, perfect driving history (1 accident 3 years go but wasnt my fualt), 2005 VZ SSZ, $120 a month thru AAMI for $28.5k cover.

I turn 25 next month and i will defently be ringing around to find some cheaper prices. Not many places like it when you tell them you are 24 and have a cammed LS1 lol

Give Shannons a yell, I have been with them for 3yrs with my ute and have had no worries.

Under 25s can insure with them only if you are insuring the vehicle for minimal use. Now over 25 and still with the ute insured for minimal use for agreed value of $27500 I pay from memory around $480/yr full comp.

Should add the ute is a '01 VU SS with a fair few mods, all listed on policy.

[OMR346]

Give Shannons a yell, I have been with them for 3yrs with my ute and have had no worries.

Under 25s can insure with them only if you are insuring the vehicle for minimal use. Now over 25 and still with the ute insured for minimal use for agreed value of $27500 I pay from memory around $480/yr full comp.

Should add the ute is a '01 VU SS with a fair few mods, all listed on policy.

I tried Shannons, when i first got the car. They were about $160 a month, where AAMI was $120 a month.

[rgmast]

Another thing not a lot are mentioning is whether the premium is for 'Agreed Value' or 'Market Value' the 'Market Value' payout in the case of a write off may be a bit of a shock in some cases.

When I got finance for the Maloo I also got included in the policy another form of insurance(forgot whats its called) that if my Maloo was written off after 12 months and AAMI was only going to give me eg 30K and my loan was 50k this insurance would cover the 20K cap. Yes in the long run I know im out of pocket cos its market value but at least im not paying a loan for the Maloo which I would no longer have. By memory its about $20 a month thru Esanda. I also have rim and tyre insurance to the value of $2300 a year for about $2 a month

[vy2ttr]

Age = 33
cars= vy ss turbo, vx ss turbo (drag car) , vy adventra lx8 (wifes car), vr caprice (work car)
All insured thru shannons, all on a great agreed value (exept for vr), for just over $1600 a year for all four !!! Although I live in a country area, and ive got a perfect driving record (touch wood)...
I also have my home and contents thru them,which may explain why its seems a good price..

[bush_basha]

23, vx clubby, i told them only exhaust modifaction, wheels and dvd player, 2 claims on record in the 3 years, about $1400 with the flexi premium, my excess is very high now, tho i get half priced insurance at the moment so paid $700.

[Wonky]

23, vx clubby, i told them only exhaust modifaction, wheels and dvd player, 2 claims on record in the 3 years, about $1400 with the flexi premium, my excess is very high now, tho i get half priced insurance at the moment so paid $700.

Omitting to tell them all your mods on an 11.6 sec Clubby is playing with fire!! :eek:

[Jolly86]

im 23 with vx clubby no mods yet i pay bit over 1000 with bit over 2 years driving history and 1200 premium. with ecar they wont let me mod my car :(
hey bush basha who is ur insurance with???

[bush_basha]

im with aami atm, it was $2300, then i went for the higher excess, which put it to $1400.

[SS-355]

34 year old insured with shannons and living in west of Melbourne:

car 1: vy ss ute cam only $980
car 2:vx clubsport head and cam on 20s $1100

Both cars must be garaged,all past fines listed and excess is $400.
Total $2080 for both cars.

[HSV590]

A timely thread, just got a quote from Shannons the other day..$806 to insure my CV8...not bad I thought..

[moconn20]

also aami is good to


Untill you have a prang and they auction your repair work off to the lowest bidding smash repairer.

23
9.5 SSV Sportwagon
$1400 comp with NRMA including free glass replacement.

Although its due to come down in a couple of months when iv paid off the loan... the chick from NRMA said itd probably come down by about $150-200 a year once it's no longer under a car loan.

[JET-33]

around 1k for me with aami. been pretty happy with them

used to be with just cars when i had a few skylines. they were good to deal with but pricey (cos i was younger and had a turbo car)

[UTESRULE]

Age = 33
cars= vy ss turbo, vx ss turbo (drag car) , vy adventra lx8 (wifes car), vr caprice (work car)
All insured thru shannons, all on a great agreed value (exept for vr), for just over $1600 a year for all four !!! Although I live in a country area, and ive got a perfect driving record (touch wood)...
I also have my home and contents thru them,which may explain why its seems a good price..

do they ask u if u have a single or twin turbo when going for insurance will the insure a single

[Mohit]

Any car insurance brokers out there? Looking for a better deal for my bolt on VY SS. Please PM me :)

[Blown 540]

do they ask u if u have a single or twin turbo when going for insurance will the insure a single

My green VE is insured through shannons ,they know all the mods down to the finest detail,they are also very good guys and are very keen to know what we are doing each time, so far they havent even slightly bawked at any of the mods, we are also building a wild blown big block ute and this will be insured through them aswell.

The VE is about 2k a year but is insured for a considerable amount.

[UTESRULE]

My green VE is insured through shannons ,they know all the mods down to the finest detail,they are also very good guys and are very keen to know what we are doing each time, so far they havent even slightly bawked at any of the mods, we are also building a wild blown big block ute and this will be insured through them aswell.

The VE is about 2k a year but is insured for a considerable amount.

when u just had the single turbo on ur car did u still go thru shannons with out any probs

[Blown 540]

when u just had the single turbo on ur car did u still go thru shannons with out any probs

Yes , it has been through them from day 1 , like i said they know the current mods also and dont have any problems with it.
Cheers

[zorro]

My green VE is insured through shannons ,they know all the mods down to the finest detail,they are also very good guys and are very keen to know what we are doing each time, so far they havent even slightly bawked at any of the mods, we are also building a wild blown big block ute and this will be insured through them aswell.

The VE is about 2k a year but is insured for a considerable amount.

I am the same with my ute, every last detail to what I have done is covered on my policy. Being the age of my vehicle (2001) and the agreed value being 28k they asked to sight the car. Not an issue and the bloke who I spoke with on the phone actually showed up to inspect the car.

Turned out great he was a BMW nut aswell (and good at his job) and I ended up insuring both my E21s with them too.

[goofafidamedes]

2006 VZ GTO
Black
Dingley, Vic
Some mods...

A smidge under $1400 with Just Car.

[brockster]

24 VY SS series II ute, manual. Went through shannons, cost bout $1100 which includes all the upgrades ie cam exhaust intake etc. Will do more work once i turn 25 as my premium will decrease.. Suprisingly to about $950
I am 36 with a clean driving record and shannon's wanted 1500 for insurance for my car with just otr and exhaust and i am over 10 years older than you

[RARASV8]

45 male-42 female far far outer northern subs melb
no claims 2 speeding fines in past 12 months (both less 10 k's)
VY SV8 S1 all mods listed inc rip and 3.9's agreed value dropped to $23400
VT SS S2 all mods listed agreed value $14700
shannons VY SV8 $687 limited use
VT SS $758 regular use

$1445 per annum $120/month

Garry

[Hos]

was 24 when took out policy, just hit 25 so gotta see if they'll do better.
2008 ve ss ute, hard lid, lowered, otherwise standard.
$880/year tru credit union (CGU insurance)

[rgmast]

Untill you have a prang and they auction your repair work off to the lowest bidding smash repairer.

23
9.5 SSV Sportwagon
$1400 comp with NRMA including free glass replacement.

Although its due to come down in a couple of months when iv paid off the loan... the chick from NRMA said itd probably come down by about $150-200 a year once it's no longer under a car loan.

My wifes car had some panel damage from some scum walking past and kicked a few panels in . Rang AAMI told us to go to a particular crash repairer he had a look booked us in(there now) and they are a good crash repairer too. I have a funny feeling AAMI now own them.

[DAVESS-V]

Some of you are getting ripped.
30 y.o, some traffic history
I just got a quote from Shannons for my Stroker VE SSV for $1300 (sighted). I think agreed value from memory was 55k.
Prior with the cammed L98 AAMI $670.00 and i had a claim with no problems.

[UTESRULE]

Some of you are getting ripped.
30 y.o, some traffic history
I just got a quote from Shannons for my Stroker VE SSV for $1300 (sighted). I think agreed value from memory was 55k.
Prior with the cammed L98 AAMI $670.00 and i had a claim with no problems.

remember its where u live aswell

[mc_chief84]

25, cv8 (s/charged intercooled and head and cam), $1200 (excess 1400)

[UTESRULE]

25, cv8 (s/charged intercooled and head and cam), $1200 (excess 1400)

who with....

[Urko]

Age 29
SSV ute 09
AAMI full comp around 1000AUD
Excess 800AUD
no accidents yet :)

[255-LS1]

Age 24 (was 23 when i got insurance)
Suburb 3099
2002 HSV VU2 Maloo R8
Agreed for 28700, with all mods listed, lowered springs shocks, full exhaust system, intake, stereo etc.
Racv $1690 per year, excess 500.

Hopefully it will go down next year when im over 25. Not really fussed as RACV were the only ones that woul touch it appart from JC. Didn't really want to go with JC as they gave me a shit value agreement.

[Alex81]

Mine is agreed value ($42000), with no claims, but car is fully owned which made it alittle cheaper.

[UTESRULE]

with the ppl who have there car with shannons with the mods u have done to ur car have u given then every last mod that is done to the car

[RARASV8]

45 male-42 female far far outer northern subs melb
no claims 2 speeding fines in past 12 months (both less 10 k's)
VY SV8 S1 all mods listed inc rip and 3.9's agreed value dropped to $23400
VT SS S2 all mods listed agreed value $14700
shannons VY SV8 $687 limited use
VT SS $758 regular use

$1445 per annum $120/month

Garry

yep every last detail and mod! i do a mod, i notify before or during:goodjob:
only takes a phone call and updated policy usually arrives within the week:)

Garry

[UTESRULE]

im looking at getting a single turbo car the car has alot done to it fuel system valve springs etc do u notify them with all this aswell i rang up for a quote and just listed single turbo intercooler lowered exhaust only should i tell them everything to be covered and not be done refused payout cause it has stuff i didn t tell them would it matter

[burnoutnut]

question?


Say i have a standard 6l ve and i put a growler intake on it, i ring them and tell em about it.how do they handle it? (its RAC btw in perth)

make me pay more over the phone?
just make you pay more next year?

[Wonky]

Depends who you're with and your age (some companies allow no mods at all, or no mods for under 25s).

With AAMI I inform them of my mod and they send me out paperwork including that on my policy (absolutely critical to get it in writing or you won't have a leg to stand on).

In the past it has never increased my premium but I added my sound system upgrade to the policy after I'd already received my renewal notice and with the updated policy received a new renewal notice with an increased premium of $13. I don't know whether it was just due to the timing of my upgrade falling just before I renewed or if I can expect similar in the future for mods that increase the agreed value.

[burnoutnut]

Im with RAC here in perth.

basically ill be getting a growler with the car (hasnt been put on yet) but ive heard you get better fuel fuel Economy
it this true

[monta7]

im 21 i have a vz ss 6.0L soon to be turboed at the moment im paying $1730 a year full comp an i have a good record to its shit thats with AAMI............

[UTESRULE]

single or twin

[burnoutnut]

im 21 i have a vz ss 6.0L soon to be turboed at the moment im paying $1730 a year full comp an i have a good record to its shit thats with AAMI............

any body under 26 with a v8 pays crazy insurance even if they have a minty driving record

its strange because at 25 your a hoon but at 26 your a car enthusiast:rofl:

[monta7]

single or twin

single i got a gen t kit for it.. will be intersting to see how much insurance is gunna cost me then. i had full air bag kit installed a few months ago i havnt told them about it ill prob end up putting it in me old mans name an going to shannons

[enterprise]

Car: 2004 WL Statesman, 5.7l, Martini Colour

My age is 39

I live in Adelaide and am insured with RAA

cost is $820, and i have a rating one

[hyperss82]

Agreed value on my renewal is still $49k (car 10mths old now but got out of sync on car changeovers).

u should check on that agreed value as it has dropped alot this year

[Wonky]

u should check on that agreed value as it has dropped alot this year

I have - it's on my renewal notice. Hasn't dropped significantly as I had to tell them how cheap I bought it, then add on extras and mods.

[MJR-57T]

VY SV8 One Tonner
Im 22 and i pay $2370 odd a year.

[ATOMIC MALOO R8]

VY SV8 One Tonner
Im 22 and i pay $2370 odd a year.

:bawl::bawl::confused::1peek:

[BECAUZ]

VE SSV $1750 with the NRMA @ 24 years

Just turned 25 so will be shopping around!

[iverson76ers]

I'm 21 years old with a cammed VZ R8. SGIO about $1300. One previous accident

[willz]

$1120 a year through RAC

car = VZ HRT clubby NO MODS
me = 24 years old with an at fault accident 4 years ago. noted by rac as the car was insured through them when i had the accident.

[Malus]

Im 25 with a completely clean driving record.
With westfarmers/lumley insurance I pay $550py with $500 excess for my VE SS UTE with exhaust, CAI and lowered on 20's.
Im allowed upto $2000 of legal mods before I have to tell them aswell.

[GR3GA]

vt ss s2
sgic
$2200
im 20 and have a bad record
the price i pay for stuffing up i spose

[AndrewMSS]

I'm 27
missus is 25

VE SS (mine) & VX SS (missus)

VE with all mods insured is $950 with Just Car
VX stock is $900 insured with the missus as the main driver.

Both comprehensive policies with agreed value.

No claims for either of us ever...

[SEN8TOR]

VE HSV SENATOR signature

25, $1700 pa with just cars, no one else would insure me, and i am rating 1 with a clean driving record.

cheers

[STV35]

Ve ss ute full comp $580 with AAMI's

N im 22. Under old mans name and me just as a driver .

[burnoutnut]

Ve ss ute
rac
no mods
im 24
$984.47

[jonesy_87_]

VY SS Sedan w/ Cam, exhaust, etc, etc.
Agreed value 40k
Insurance about $1900
NRMA
22 Years Old

NRMA don't want to know any mods; I tried to tell them what it had and they said they didn't need to know details; As long as I keep receipts, it'll be fine.

Probably going to call Shannons in 6 months or so when my policy is up for renewal.

[Ramjet]

VZ SS ute mods
24yr
$1200
shannons

[NTMID8]

Im 24 no history (wife also 24 no history listed as part driver)
2000 VX SS auto
Insured with full exhaust, OTRCAI, mafless and stereo
full comp for market value (15.5k)
$913p/y ($73p/m) Shannons

[Wonky]

No real base for comparison unless you include the suburb (or at least area) the car is insured in.

[bladerunner]

No real base for comparison unless you include the suburb (or at least area) the car is insured in.

agreed, also putting you car under your parents name is not a good idea long term because it means you will take much longer to get a good rating, a sort of false economy too

[Wonky]

agreed, also putting you car under your parents name is not a good idea long term because it means you will take much longer to get a good rating, a sort of false economy too

True - there was an example on here recently where an insurance company also gave someone a very hard time when a claim was made and possibly even weren't going to pay up if they determined that the young driver was driving at the time of the accident!

[andrew77]

ve ssv ute std.
32 not a great traffic history
$535 full comp aami

[miss monaro]

Just got to ask,are these agreed value,or replace or under finance which means you get nothing the bank or finance co. get it.............

[NTMID8]

No real base for comparison unless you include the suburb (or at least area) the car is insured in.



SA - EVANSTON PARK

Insured in my name, not financed and market value

[POCOCK]

23 darwin $900 for a 08 collorado 4x4 with a few extras with shannons

[Mr_SS-V]

CV8-R monaro aged 22-25 - $3600 nrma
VE SSV 25-28 - $2k approx, was $1350 when i first took out the policy :(

all covered with agreed value.

[zapher007]

I really want to know how you guys get such cheap insurance!! I live in the sticks where there is ZERO theft (i never lock my car and no one I know does either and have never heard of a stolen car) and I have never had a speeding fine or crash in my life and am 30 years old and Just Cars just quoted me $1,946 for a stock 2007 SSV Ute!!

HELP!!

[Wonky]

That seems crazy zapher! What rating are you on and who else did you try?

[zapher007]

I'm rating 1 (thats the best yeah?). I've been with NRMA since I was 16 with my 1st car and they were $1295. That was on the paper copy that just gets sent out but thought I might shop around.

Just got $975 with GIO

And $958 with AAMI

Looking better!!

I thought NRMA would have been cheaper as I've been with them for 13 years now without a claim.

[NTMID8]

Just cars are a rip off, they charge huge premiums because they will cover anyone and anything. Shannons i have found to be not only one of the best priced but there cover and helpfulness is second to none. When you first ring them they ask alot of questions to determine if you are a "car enthusiast" but once you have cover once, you can cover any car for life.

[andrew77]

I really want to know how you guys get such cheap insurance!! I live in the sticks where there is ZERO theft (i never lock my car and no one I know does either and have never heard of a stolen car) and I have never had a speeding fine or crash in my life and am 30 years old and Just Cars just quoted me $1,946 for a stock 2007 SSV Ute!!

HELP!!

Ring around mate ! I was paying nearly double what i am paying now prior to getting other quotes....

[ls1vxss11]

Im 30 (not a good driving history) got a vx ss, included in insurance is my 20s and being lowered for $850 a year with windscreen cover insured for Agreed value $19,500

[zapher007]

Ring around mate ! I was paying nearly double what i am paying now prior to getting other quotes....

Yeah I did and we have virtually the same car and about the same age and i got a quote from AAMI and it was double yours!! WTF???

[neaty383]

I'm 32, rating 1 with Shannons. They charge me $1850 a year for full cover on a heavily modified '08 VE GTS (blown, stroked, etc).

[commodorekid]

The one thing that stopped me buying a vuss twin turbo was insurance,
$8000 per year full comprehensive

[Xenon]

Im 26, based in Hobart, drive a 2004 WL Caprice (stock) and pay less than $600 a year for full comprehensive w/ a hire car and windscreen protection thru AAMI. Only had 1 major prang that was my fault, back in about 2003.

Always blows my mind how much other ppl have to pay for insurance on modded cars.

[Pomi]

Cheapest isn't always the best....although it helps a lot.

We want cheapest and best.

What ever the cost; you need to make sure you are completely covered. The last thing anyone needs is a company avoiding paying your claim, at a time when you expect their support.

Insurance is there to be your best friend when you need them the most. That is what you pay them for.

And if you've financed your car, top it up with GAP Insurance. One premium that covers the term of the loan, which will pay it out at the time of total loss.

I hope this helps.

POMI

[255-LS1]

Does anyone have any tips in getting shannons to insure a daily driver for a younger driver. Ill be 25 in june, last year i did an honest 8000 kay in my maloo. I am / was (pending discussions today) with racv those ****s sent me a renewal dopping my agreed value 3k but no change to annual premium on last years policy? :confused:

[Nightrain]

Age: 36
Car: 08 VE SS Ute
Full comprehensive Insurance $550 from AAMI

[Drumo]

Lowered MY09 SV6, 20s
AAMI full comp - $179/mth (over $2K a yr)
I'm 23, one write-off 4.5 yrs ago (not factored into insurance as AAMI only take 3 yr driving history)

[87senator]

yeah i 20 drive a vx senator with a clean driving record racv $2560 and ammi was nilly $3000. went with racv

[Drew SS]

well i pay 900 euro kinda clean licence well it is in ireland and ive got fully comp on my vu ss ute hate to see what they would offer me if it was to get dented as i doubt they would fix it somehow.....

[MJR-57T]

I just got a quote from NRMA and its $1500 a year instead of $2370 that im paying now.
Thats $125 a month instead of $197.50 a month still with a free windscreen.

Is there any fee involved with changing policies

[ShotPointBlank]

Age: 21
Car: Manual VE SS
Insurance: Just Car Full Comp = $1938 with $1700 Excess


Ahhh the joys of being young :bawl:

[brawlr]

vy ss, lowered, extractors/exhaust.
23 y.o. $1700 with just car. based on the youngest driver which is my mrs by 13 days. was around 2.5/3k in just my name. although the excess will be 3k if i stack it.

[throttlehappy]

$544 with racv
gippsland
max flexi premium

[burnoutnut]

This thread has taken off like a rocket.

[Wonky]

Except some people still aren't putting the area they live and only have something very generic as a location so their posts are relatively meaningless.

[Drumo]

Lowered MY09 SV6, 20s
AAMI full comp - $179/mth (over $2K a yr)
I'm 23, one write-off 4.5 yrs ago (not factored into insurance as AAMI only take 3 yr driving history)


Except some people still aren't putting the area they live and only have something very generic as a location so their posts are relatively meaningless.

Good point. I live in Macquarie Fields... So insurance is always gonna be expensive. Fun.

[miss monaro]

just changed some policies over to Shannons.....now I am the original owner of all these vehicles.....VE SS UTE ,VE E2 GTS,V2 2002 MONARO now these are agreed value and $45000,$93000,$38000, total monthly......................$215,yes for the 3 of them...left the 2006 ford Focus and home ins,with NRMA and greeen slips because I have been with them for over 10 years they passed on my 10 yr rating to the focus which reduced it by $17 per month.the Monaro has done 16,yes 16kms this year when I went to take it out of the garage i noticed that I had never bothered to change the rego label over;the MONARO was costing me a heap and its not driven Shannons will probably stick me next year but for the next twelve months Im happy as i will be buying the Camaro and i want to keep the GTS..Cheers Tiff postcode 2773

[miss monaro]

Except some people still aren't putting the area they live and only have something very generic as a location so their posts are relatively meaningless.

I can get insurance for anything...totally agree Ihad my show horse isured for $30000 sold her for $8000 but if she had broken her leg at a show.....or was stolen out of he stable..........thier is a risk and who insures the risk.

[HQvanner]

Age:19
Car: 1972 HQ belmont panelvan
Insurance: full comprehensive, $268 a year. insured for 10k. through shannons

[OOL51]

Age: 27
Cars: 2000 VT SS/85 Hilux 4x4
Insurance: both with AAMI (rating 1), SS $912/ Hilux $528

[SSDVL!]

i reckon between Melbourne and sydney we pay the higher insurance then other states.

What people need to disclose is what their excess is also, then it become clearer. Suburb is another consideration.

33yo
VY SS
$1200 pa
$1500 excess
Just car insurance
Avondale Heights

My partner's
33 yo
VYSS
$1300 pa
$400 excess
ANZ (i think CGU)

We both are rating 1 with no claims and both have clean records, yet other quotes have been higher for me cause my exhaust.

Conclusion to all this........LS1 Forum needs to start its own insurance company...lol

cheers ed

[Wonky]

Just Car Insurance sucks except if you're under 25 and drive a modded car, or are basically any age and drive an import. Why don't you try AAMI or RACV Ed given you're on rating 1? They only increase the premium if the mods increase your agreed value.

Last year when the ute was new it was insured with every mod listed and consequently an increased agreed value for exactly the same price as a stock car - I know as I checked it online. My renewal recently came through (carried over from previous car, so ute is only 10 mths old) and when I added $1,000 of audio system the premium did go up by $10 - $15.

Some people are dubious about AAMI but you're already effectively with them anyway as they own and/or underwrite Just Car.

[miss monaro]

just changed some policies over to Shannons.....now I am the original owner of all these vehicles.....VE SS UTE ,VE E2 GTS,V2 2002 MONARO now these are agreed value and $45000,$93000,$38000, total monthly......................$215,yes for the 3 of them...left the 2006 ford Focus and home ins,with NRMA and greeen slips because I have been with them for over 10 years they passed on my 10 yr rating to the focus which reduced it by $17 per month.the Monaro has done 16,yes 16kms this year when I went to take it out of the garage i noticed that I had never bothered to change the rego label over;the MONARO was costing me a heap and its not driven Shannons will probably stick me next year but for the next twelve months Im happy as i will be buying the Camaro and i want to keep the GTS..Cheers Tiff postcode 2773
OK I will quote myself,gees I was getting ripped off I drive one of these cars 16-20kms per year but was paying huge amounts of $ plus rego $1800 for the privilage of owning a car I love! bullshit then the insurance companies tell you when you want to take the business away oh we can do this and we can do that too little to late then stab you an exit fee!!!!! NRMA ,,,,,I pay by the month and all cars are paid as we get paid monthly,..so anyone

[HYMEY]

433 a yr with aami insured with aftermarket ex, cam, tune, otr, suspension etc for 2008 SSV ute.

[SSDVL!]

Just Car Insurance sucks except if you're under 25 and drive a modded car, or are basically any age and drive an import. Why don't you try AAMI or RACV Ed given you're on rating 1? They only increase the premium if the mods increase your agreed value.

Last year when the ute was new it was insured with every mod listed and consequently an increased agreed value for exactly the same price as a stock car - I know as I checked it online. My renewal recently came through (carried over from previous car, so ute is only 10 mths old) and when I added $1,000 of audio system the premium did go up by $10 - $15.

Some people are dubious about AAMI but you're already effectively with them anyway as they own and/or underwrite Just Car.

Ive tried them before and the result was higher.....but just for an experiment i'll ring around and post up.

[jc_sv8]

43yrs
SV8 with mod exhaust / agreed value
SGIO $747.12pa (paid monthly, so it's a more)

Shannons was about $20 cheaper, or about $50 on a multi-vehicle policy

[taner]

Age: 21
Car: Manual VE SS
Insurance: Just Car Full Comp = $1938 with $1700 Excess


Ahhh the joys of being young :bawl:

yea im about the same

just cars

live in syd, glenorie
male 24yr
youngest driver the mrs 22
pay 165 p/m= 1980 p/a
but my excess is 2000.
drive a sc6
and have had a claim already within the last 3 yrs

[WOMBIE]

433 a yr with aami insured with aftermarket ex, cam, tune, otr, suspension etc for 2008 SSV ute.

Here in Sydney that's the price of a greenslip :confused:

[JET-33]

had a vz calais v6 (at last renewal was only 3 years old) and was around $1000. just got my first renewal for the monaro (2002) and its over $1200. caught me a little by surprise so its fairly stock and much older.

could this be because its a monaro, coupe, less common, higher chance of theft? i drive 10km to work, park in a secure car park and live in a very very safe suburb....

[Wonky]

Mainly I suspect because you've gone from V6 to V8 but also because Monaros are more popular with thieves.

[HYMEY]

My rego is the killer its 994 including third party personal which is fixed for my car in QLD. At 433 for insurance I was blown away. I can't believe that some people are still paying 700-800 and there in there 40s. Must have a lot to do with location. AAMI was the cheapest for me. If you get it online it's around a hundred bucks cheaper.

[Scoots]

cheap!

im 27 and pay $1600 for a VE Clubby

[Drewie]

Too many variables to compare premiums properly. Location is a big one, some people take a bigger excess to reduce their premium, some have market value others have agreed value, some are under finance others are not, my VX SS is around $800 for an agreed value of $21,000 (only has 63k on the clock), oddly enough my daughters Mazda 3 is almost exactly the same premium, both with the RACV.

[tankslapper]

VY SS Sedan w/ Cam, exhaust, etc, etc.
Agreed value 40k
Insurance about $1900
NRMA
22 Years Old

NRMA don't want to know any mods; I tried to tell them what it had and they said they didn't need to know details; As long as I keep receipts, it'll be fine.

Probably going to call Shannons in 6 months or so when my policy is up for renewal.

Mate i just rang NRMA to inform them about doing some more mods as i now have a..

Vy SV8 cam,wheels lowered exhaust etc etc
Agreed value 25k
cost $1800
35 yrs old

They said that as long as its approved by the RTA they dont need to know and to keep all receipts as well.

So what does that mean? Does the RTA approve anything? aren't just about all mods illegal?

[skipzor]

Mate i just rang NRMA to inform them about doing some more mods as i now have a..

Vy SV8 cam,wheels lowered exhaust etc etc
Agreed value 25k
cost $1800
35 yrs old

They said that as long as its approved by the RTA they dont need to know and to keep all receipts as well.

So what does that mean? Does the RTA approve anything? aren't just about all mods illegal?

you've got me worried now..
I pay $1860 for a vz ss @ 21, and racv didn't want to know about my modifications either. I'll be changing to justcar soon fir peace of mind

[taner]

i was thinking the same with the rta approved bit..??:confused:

just updated my details with just cars and my monthly payments went up by $26 so i now pay

$190p/m
annual premium= $2280
value=$17700

just got a internet quote from nrma

$188.59 p/m
annual premium= $2126.76
agreed value of $25k (not confirmed average value they said is $14800)

[Smet SSV]

29
VE SSV
Racv Full Comp rating 1
$1095
Excess $750
market value

[COSMOS]

After a couple of lengthy emails about the ethics of offering discounts on one product which are then more than offset by increases in all their other products IAG has come back with $100 off.

Not a great result but it means my overall increases were in the 3% range across home, contents, car and green slip which is better than where they we going to be but of course much worse than where they were.

[magvz]

33 sydney
2005 vz ss ,LS3, cam ,stally , oil coolers ,full exhaust, 19inch mags ,coilovers,tint
$1400 a year agreed value

shannons

[EdG]

36 Sydney:

2005 Adventra LX8 (stock) $780 about to be replaced by:

2010 Sportwagon SV6. Quotes:
Youi: $1357 / $600 excess / Agreed Value
iSelect: $1289 / $600 excess / Agreed Value
NRMA: $1252 / $600 excess / Market Value
Budget Direct: $1164 / $600 excess / Market Value
JLT: $1160 / $750 excess / Agreed Value
AAMI: $1137 / $645 excess / Agreed Value
Bingle: $750 / $500 excess / Market Value

Bingle sounds too good to be true. So I think I'll stick with JLT who have been good to me and include NIL excess for windscreens and car hire (none of the others did at those prices).

[tankslapper]

Well the RTA thing has me totally confused. I made a claim that got accepted and i had the same after market exhaust then as i do now but if i was to make a claim now i dare say that my exhaust would not be approved by the RTA so where dose that leave most people??

[justin_au]

25
Vz Clubsport
Just Cars $1300

[oranpark_addict]

17
Budget direct
$1600 comprehensive
Vt II Calais v6

[READA]

21
850 vz monaro but is insured for 40k + exhaust and airintake
Through AAMI
but my excess ia 2000 :bawl:

[Ginger_Beer99]

34
VE GTS
A few minor mods
$120/month with GIO
Sydney

AAMI wanted $150 for same excess

[t33d3]

My vy r8 costs me 2500 for 12 months!
Not the best driving record.
It sucks big time but ahh well

[t33d3]

forgot to mention im 21 and its through just cars
was the cheapest i could find believe it or not

[VX2VESS]

a lot of these el cheapo ones, internet ones etc do not like any modifications.

[SLIPZ]

25
Vz Clubsport
Just Cars $1300

25
Vx Clubsort
lowered, 20's, tint, alarm, stereo
Just Car $1300ish

going to try shannons this year
denied me last year as car was not garaged
now it is :)

[steves87]

950 with shannons... basic excess...

m6 9.5 ss sedan, 43,000
age-28
no mods... towbar, tint etc
2 infringments
lesmurdie wa.

they have a different set of standards (more relaxed) for my ss' verses my (now sold) Corvette... but the Corvette was insured for the same amount, but cost less yearly?
:)

[awesome _vzss]

22

vz ss 04

cam, z grip clutch,otr,mafless tune,dba disc,exhaust and 20inch wheels

$3150 with shannons

all mods insured and accepted

[MickmeMate]

29 Years old
VYII SS M6
MAFless ,OTR,Full Exhaust,High flow Cats,
$946.13 Per Year
Rating 1 MAX life time no claim bonus
$500 Excess
Insured for $25,000

Pretty hard to beat that i looked around
got quotes but nothing even came close to Shannons i had been with AAMI for 8 Years now and they are a pain in the arse to deal with also SHannons gives
you choice of repairer as oppsosed to AAMI.:)

[iloveholden]

20.y.o Male
2004 VZ executive with all mods (even though minimal) on the policy including my V1 RD
Locked in garage in an eastern Perth city suburb

Pay $620/year as of last premium.

well its that time of year again for me....agreed value has diminished to 14.4k (from 16k) and premium has risen to $665. This will be the last time i pay insurance for this car so not worried about looking for better offers.

[Alister]

I wouldn't be too worried, all insurance companies have raised their premiums after the massive spike in claims after the storms down south and over in WA. I used to be in insurance sales and $665 for a 20 year old in WA in a modified VZ Exec is a bloody excellent price! Agreed value is normally a more expensive premium option too.

[V28VX37]

Repost from here: (http://www.ls1.com.au/forum/showthread.php?t=125232&page=2#post1714420)


Hi all,

I just received a letter from Ryno with a renewal offer for my Monaro CV8 comprehensive insurance policy. It was up about 20% from last year so I decided to have a quick look around. Here's the annual premiums:

Just Car $1,300 for market value of $24,100
RACV $2,000 for agreed value of $35,000 (didn't ask for mods)
Shannons $2,150 for agreed value of $35,000

The following wouldn't give an online quote for this car:

AAMI
GIO
Shannons

The following wouldn't insure a modified car:

Youi.com.au
Virgin Money car insurance

Given the above, Ryno at $1,600 a year for an agreed value of $40,000 is actually good value despite the increase! Plus Ryno service has always been first class.

I should probably add that the car is a non-daily, has a H/C package and other performance mods, and a mature driver.

Hope this helps someone else.

Cheers

Update: I just lowered my agreed value to $30k for an annual premium of about $1,400 with Ryno.

[mickeyVX350]

31 - Monaro CV8: $280 with 2K excess & Adventra $360 with a $1500 excess.

[EXCESSV]

Car came out of lease and fuked off Just Car Insurance the useless pricks!

Shannons Insurance
25yo
2007 VE SSV (factory sunroof and satnav) with ALL mods listed (engine work, exhuast, stereo, coilovers, brakes, etc)
Agreed Value $45K
Rating 1/60% NCB
couple speeding fines and insurance claims(at fault and not at fault)

$139/week
$1668 a year
$250 excess/free windscreen/choice of repairer, etc what shannons are known for

when i get my cams license it will be nearly $200 reduction off my premium

[aratic]

VY SS - stock

Just Car Insurance

27 y.o

Clean driving history, no fines etc. Grade 1 NCB

$870 p/a with Grade 1 protection

[MR57SS]

21

VY SS M6 (cat back exhaust, sound system, rims, lowered)

Just Cars Insurance ~ $250 a month

One claim at fault in 08

[Tony_Montana78]

Just renewed mine today with RAC. 08 VE SSV. Lowered, 2.5 catback both listed.
Agreed Value $39,700. Basic excess $350. Max no claim etc. 31yo driver - $793.42

[Muncha]

When i had my ute,

07 SSv ute, lowered, slight mods etc,
$1200 with Just Cars, $48000 agreed value
26, clean driving history

And currently,

Mitsu Evo X, stock
$1700, Just Cars, $72000 agreed value
28, clean history

Shannons wouldn't touch me in the Evo, the reason is it is parked on the street at work.

[HARMSY]

26
VY SS Ute no mods
Just Car $1150 with rating 1 protection
One at fault accident in Jan 08

When i had my wagon at 22-23yo paid $900 full comp with just car, cam and all the goodies, because it was a "family veh" insurance was cheaper....

I think i'm gonna give Shannons a crack, see if they can beat Just Car.....

[VTV691]

23
Modded VY SS Sedan
Elders Insurance
$1700/year

Öuch Evan..
Have you shooped around?

[Nikk_90]

09 VE SSV Sedan
Got it new when i was 19 but have recently turned 20 (am still on P's but on the old rules QLD).
zero accidents or claims.
4 x speeding tickets
2 x good driver behaviour bond
1 x licence cancellation for "hooning"

AAMI = $1560/yr

before my record when i was 18/19 i had a 08 VE 60th anniversary sv6 ute and was insured with CGU for $2100/yr. so i thought the AAMI price was quite an improvement after upgrading to a V8 and also being caught for hooning.

[vyss2ute]

MY08 Calais V V8
Me: 28
Missus :31
Market Value - CGU - $32,000, Shannons $36,500

Premium:
CGU - $986 with no review on premium after I turn 29 (2 months away)
Shannons - $855 dropping to $632 automatically when I turn 29.

Only negative is that Shannons don't offer new car replacement as the car is over 12months old. CGU did as I was the first registered owner and have had it insured with CGU since new.

Shannons will have my business this renewal.

[mmjlw]

07 SSV
Clean history
RACV $690 with winscreen and loan car
42

[Wonky]

07 SSV
Clean history
RACV $690 with winscreen and loan car
42

Country Victoria location would explain that. :)

[iloveholden]

I wouldn't be too worried, all insurance companies have raised their premiums after the massive spike in claims after the storms down south and over in WA. I used to be in insurance sales and $665 for a 20 year old in WA in a modified VZ Exec is a bloody excellent price! Agreed value is normally a more expensive premium option too.

Yeah got my mods listed even though they are minimal and its locked up in my garage every night in a good area. Still pretty happy with my insurance price. Also i have a 60% NCB i think and excess has fallen from 700 a few years back to 400 now.

[bigrig]

22
VZ SS Ute
$1190 Rating one for life
Agreed value $36000
Mods, Listed Exhaust, Wheels, Suspension, OTR and Tune
At fault Claim 2005

[mrtockley]

09 VE SSV Sedan
Got it new when i was 19 but have recently turned 20 (am still on P's but on the old rules QLD).
zero accidents or claims.
4 x speeding tickets
2 x good driver behaviour bond
1 x licence cancellation for "hooning"

AAMI = $1560/yr

before my record when i was 18/19 i had a 08 VE 60th anniversary sv6 ute and was insured with CGU for $2100/yr. so i thought the AAMI price was quite an improvement after upgrading to a V8 and also being caught for hooning.

That's bullshit! I'm 34, VE SS V sedan, LOCKED in a garage every night, SERO accidents, Rating 1 for life, no speeding tickets for nearly 10 years and I pay just under $1,000 ! Oh and No claims since I've had this car. The only Claim I've ever had from them is once when my old car got knocked off, and the most recent was about 2 years ago when some prick sideswiped my car while it was parked out the front ...

Surely that should make up for more than $560 in difference !? :vpo: ****ing AAMI ..

[Daynesy]

19, VZ 6L Thunder, clean driving record, off p's, $2000 :bawl::bawl::bawl::bawl::bawl::bawl::bawl::bawl:

[Wonky]

That's bullshit! I'm 34, VE SS V sedan, LOCKED in a garage every night, SERO accidents, Rating 1 for life, no speeding tickets for nearly 10 years and I pay just under $1,000 ! Oh and No claims since I've had this car. The only Claim I've ever had from them is once when my old car got knocked off, and the most recent was about 2 years ago when some prick sideswiped my car while it was parked out the front ...

Surely that should make up for more than $560 in difference !? :vpo: ****ing AAMI ..

As explained many times previously a big component of car insurance cost is location!! He lives in/near Rockhampton, population around 75,000. Compare that and road congestion to Melbourne where your profile says you live............

[HEKYEH]

I'm with Just Car Insurance. I'm 31 yrs old and have an excellent driving history. One of the reasons I switched to Just Car (I was with CGU) was that I needed to get all of the stereo equipment listed and covered.

I've got about 150kg+ in the car...so that adds up to a fair amount of $$$ for my insurance.

Prior to listing the stereo gear, I was paying about $110 a month with CGU. Switched to Just Car and covering about $12K of stereo gear made it $148 a month. Then I moved from South Yarra to St Kilda East and it went up to $160.

I haven't insured the engine mods yet though...So expecting another hike there...

[Toms_hsv]

Total premium amount: $715.76
Including GST: $59.15
Stamp Duty Included: $65.07
Payment date: 04 Feb 2010
Payment method: Credit Card
Type of cover: Comprehensive Motor Vehicle Insurance
Period of insurance: 09 Feb 2010 to 09 Feb 2011
Sum insured: $24,300
Description of your vehicle: 2003 Holden CLUBSPORT R8 Y-SERIES V8 Cylinder 5.7L
PETROL AUTO 4D SEDAN

Excess payable if you claim
Basic Excess: $600
Vehicle Excess: $400

[mrtockley]

As explained many times previously a big component of car insurance cost is location!! He lives in/near Rockhampton, population around 75,000. Compare that and road congestion to Melbourne where your profile says you live............

yeah I saw his location Wonky, but my bitch is that my car is locked up in a garage every night and I've never had a claim. They charge everyone for what might happen based on claims around your area. Health insurance don't charge you based on where you live even if you live in a poor socio-economic demographic that has a high risk of heart disease for example..

[silvervyss]

06 SSV M6 parked in Albury NSW. $533. Rate in 1 with AAMI, no accidents / tickets in the last 10 years. Age 36

[Drewie]

yeah I saw his location Wonky, but my bitch is that my car is locked up in a garage every night and I've never had a claim. They charge everyone for what might happen based on claims around your area. Health insurance don't charge you based on where you live even if you live in a poor socio-economic demographic that has a high risk of heart disease for example..

I tend to agree with you, same goes for vehicle statisics, my VX SS seems to be getting dearer each year, probably because they are becoming cheap and falling into the hands of younger rev heads and more are being involved in accidents. But mine is garaged every night, I have never made a claim, no traffic incidents, good suburb, both drivers 60, multipy policy and years of loyality discounts and still pay $885 with RACV, they do have a good agreed value on it of $20050 due to low km, so I am probably paying for the actions of others. As a matter of interest I did an online quote with 'Budget Direct' the other night, they were $300 cheaper than RACV but was for market value only, no drivers under 30, there was no provision for 'Agreed Value' quotes online, you had to ring. Maybe RACV are getting expensive, might look around next year.

[Wonky]

yeah I saw his location Wonky, but my bitch is that my car is locked up in a garage every night and I've never had a claim. They charge everyone for what might happen based on claims around your area. Health insurance don't charge you based on where you live even if you live in a poor socio-economic demographic that has a high risk of heart disease for example..

Didn't even register who I was replying to............ :doh: Yeah, can see where you're coming from, though in the case of car insurance I suspect it's far easier to analyse claims for theft and accidents and determine that this is or isn't a problem area. You are certainly paying based on factors outside your individual control or circumstances but that seems an unavoidable fact of life with car insurance........... :(

[mrtockley]

Didn't even register who I was replying to............ :doh: Yeah, can see where you're coming from, though in the case of car insurance I suspect it's far easier to analyse claims for theft and accidents and determine that this is or isn't a problem area. You are certainly paying based on factors outside your individual control or circumstances but that seems an unavoidable fact of life with car insurance........... :(

Ha I actually wasted my time ringing up Youi or whatever that mob is called and the second that I mentioned slight mods they didn't want to know me .. Same old same old ..:bawl:

[HEKYEH]

I'm with Just Car Insurance. I'm 31 yrs old and have an excellent driving history. One of the reasons I switched to Just Car (I was with CGU) was that I needed to get all of the stereo equipment listed and covered.

I've got about 150kg+ in the car...so that adds up to a fair amount of $$$ for my insurance.

Prior to listing the stereo gear, I was paying about $110 a month with CGU. Switched to Just Car and covering about $12K of stereo gear made it $148 a month. Then I moved from South Yarra to St Kilda East and it went up to $160.

I haven't insured the engine mods yet though...So expecting another hike there...

Forgot to add it's a 2008 VE SS-V :)

[Wonky]

Ha I actually wasted my time ringing up Youi or whatever that mob is called and the second that I mentioned slight mods they didn't want to know me .. Same old same old ..:bawl:

Yeah, many companies don't want to know about mods.........

[rankys_ss]

my vt ss was insured through racv for $800 a year living in a average surburb in geelong...recent hail storm seen to that the ss is a write off. actually spoke to shannons today to get a quote on a modified ss (300rwkw) and ended up getting $1200 per year which isnt too bad...26yo, 2 speeding fines and no at faulters. The bloke I spoke to was a champ, suggested setting up a nos kit :rofl: how many insurance companies do tha :D

[Mayes]

quoted $1600 for my VT, 21 full license. lucky enough my parents are footing the bill, otherwise i wouldve just gotten third party.

[VZSS57]

21
04 vz ss
AAMI insurance
$1350 full comp

[OMR346]

24y/o male, Southside Brisbane, perfect driving history (1 accident 3 years go but wasnt my fualt), 2005 VZ SSZ, $120 a month thru AAMI for $28.5k cover.

I turn 25 next month and i will defently be ringing around to find some cheaper prices. Not many places like it when you tell them you are 24 and have a cammed LS1 lol

Now 25, still with AAMI. Same cover, and same premium, but they are fine with the mods i have listed. Which are, cam, stall convertor, full exhaust, OTR, mags, suspension and personalised plates. I was rather surprised they didnt tell me it was going to cost more.

[blown vess]

Age 43
rating 1
vess supercharged + + + +
545rwhp
agreed value $2800.

[WOMBIE]

NRMA
Rating 1
Age 44
2004 sv8
Cam,full exhaust,lowered,mags etc
Excess $600
Agreed value $26,400

$1540 p/a.....only because I live in the car theft capital of NSW being 2148 Sydney

[kcax19]

I have a 2010 SE SSV ute. Stock.

21
provisionals
clear history
sydney
aami quoted $3300 comp

youi declined when heard i had a speeding infringement
CGU quotes $3600
Bingle quoted $7200

Eventually just insured it in my dads name for $1600...

Day light robery...

[CALDIR]

Hi

2004 WK HSV Grange with tinted windows and towbar.

Insured fully comprehensive with GIO as a Gold Member and Rating 1 for $775 inc GST with windscreen option, I choose my repairer, car not kept in a garage and most importantly "MY CHOSEN AGREED VALUE" in case of theft or a write off.

regards,

Richard
HRTSEN

[Jezmont]

28
VZ Clubsport (stock)
Clean record
$1300 AAMI

NRMA wanted to charge me $2400....

From what ive seen so far, I should prob shop around too!

[acecv8]

25
06 VE GTS
$1300 with Shannons, choice of repairer and get to keep the car is written off
$600 excess
Perth - Morley
agreed value
mods listed - JTG LPG, tune, OTR, cam, exhaust

[6.2L.Club]

age 32
no claims bonus, top level
2008 SSV ute, agreed value $40k
$25k for mods list at depreciated value
$65k total without being viewed. can insure more if l supply photos and come to an agreement.
Restricted use as l can only drive it one in every 3 weeks
Locked garage with alarm
windscreen x1 per year
choice of repairer with lifetime warranty on repairs

Shannons $1150 pa

[HARMSY]

After reading through this post, i decided to give shannons a call and see if they could beat Just Car insurance for my ute,

I'm 26
VY SS S2
nil mods as of yet
One at fault claim in Jan 2008

Just car (current insurer) :
$1200
full comp R1 protection
Insured for $20,900 (only paid $16,000 for ute)

Shannons:

$1480
Full comp
Insured for $16,000

I'm sticking with Just car, never had any dramas with them, they have always been really helpful even when i didn't have my rims insured back in 08 when i had my accident, they said we'll work something out and ended up repairing them!

The guy from shanons was really surprised they were more expensive than Just Car, expecially when i said they insured it for $20,900.

wazza

[GODSMACK]

33 years young, 60% NCB for life, 07 VE SS, 3" cat back exhaust, sub, amp.. Otherwise stock..

Agreed Value - $31500
1 free windscreen/year
$600 excess
Canberra

$71/month ($852/year), full comp..

[HARMSY]

33 years young, 60% NCB for life, 07 VE SS, 3" cat back exhaust, sub, amp.. Otherwise stock..

Agreed Value - $31500
1 free windscreen/year
$600 excess
Canberra

$71/month ($852/year), full comp..

with who??

[SteveK]

36yr old male.
2005 VZ Monaro
20,000km+ per year.
$500 excess
$950/yr full comp rating 1.
$36k agreed value - THEY offered that price as they don't do market value (from what they told me).

Shannons, cheapest I found.

[GODSMACK]

with who??

Sorry bout that... NRMA.

[Alister]

QUICK GUYS!!
NRMA 10% beat ANY QUOTE OR RENEWAL. Just did it for my XR6 Turbo modified, beat Just Cars (who had me on a much higher excess too). They don't even need to know about modifications - all they say is everything has to be legal.

[6.2L.Club]

QUICK GUYS!!
NRMA 10% beat ANY QUOTE OR RENEWAL. Just did it for my XR6 Turbo modified, beat Just Cars (who had me on a much higher excess too). They don't even need to know about modifications - all they say is everything has to be legal.

:rofl::goodjob:

You drive a modified turbo XR6 - what's legal about that unless it's engineered? I'd be very cautious if you go to make a claim about your mods.

[iloveholden]

:rofl::goodjob:

You drive a modified turbo XR6 - what's legal about that unless it's engineered? I'd be very cautious if you go to make a claim about your mods.

haha yep. If it nots engineered then probably 2/3's of the mods we do are illegal from things like darker tints through to mafless tunes etc.

[Alister]

Same applies with Just Car Insurance - they state will insure any mod AS LONG AS IT'S LEGAL.

If you want to get technical, ALL insurance companies have a clause in their PDS that you vehicle has to be roadworthy. A vehicle with illegal modifications is not roadworthy....

See what i'm getting at?
I work for a big insurer and trust me, all contact for insurance companies is on recorded phone lines, if they state on the recorded phone line that they will cover the modifications, there is nothing they can do come claims time (to get out of the claim).

Me: What about my modifications?
NRMA: Don't need to list them, they just need to be all legal.
Me: Well I purchased the car a few days ago so i've got a RWC, does that mean that you will cover the vehicle with modifications?
NRMA: Yes, that is correct.

[wiggles127]

19yr old male.
2000 WH Caprice 5.7L
$1900/yr full comp
$14k agreed value
insured through just cars
cant get insurance through other companys
aami quoted me $4k

[jezza85]

I got my car insurance renewal in the mail this week and I was stoked, my excess dropped by $1000 and my agreed valaue went up by $500.

JUST CAR INSURANCE
08 VE SS ute
25year old male
$1400 a year, with mods
$1600 excess
agreed value $35900.

[fastestls7]

34yo
Rating 1.
Full Comp Complete care with RACV

2010 E2 clubby
lowered, catback, tint
Insured for $75k
cost $1600 p/a


2009 International Sportswagon
lowered, tint
Insured for $42k
cost $850 p/a

[ve-ss-wa]

Rac
08 VE SS ute
30year old male
$689 a year,
$650 excess
agreed value $33200
Maximum no claim bonus

[OMR346]

Now 25, still with AAMI. Same cover, and same premium, but they are fine with the mods i have listed. Which are, cam, stall convertor, full exhaust, OTR, mags, suspension and personalised plates. I was rather surprised they didnt tell me it was going to cost more.

Seems it has changed again. I got the new cover letter from AAMI, and the girl who i spoke to when i told them about all of the mods, didnt have a clue what she was doing (exact words from the bloke i spoke to the second time around), and didnt know where to list the mods i told her. So that is why she said it wasnt going to be any extra.

The premium has gone from $120 a month, to $150 a month.

On a good note though, my excess has gone down from $1400 to $500.

[Ridin-High]

Nissan Pulsar 2004, Sedan, Auto, Stock condition
Val: $12,000
Company: AAMI
Age/Sex: 23, Male
Additions: Windscreen
Premium 950ish P.A, not sure on all the no claim bonus stuff


The 2000 model camry i had was around 800 to insure with NRMA, then nrma quoted 1400 for the nissan

Regards,

RH

[smokey777]

38yrs
9.5 SS ute
Suncorp
$1344 yr
$1450 excess was $700, mods shot it up. (cam, exhaust, lowered, tune, tint etc) bitch really as i just hit a roo & pig lol :bawl:

[jsme]

Hi Guys

My first post.

2005 HSV Clubsport R8
29 years old
Ipswich, QLD
Shannon's Car Insurance $1040 p/a

[dawkinsdisciple]

Aami
25 yo
location - ok/average for thefts
car - VE SSV
cost $1000 neat a year
also get a rating one despite a few previous probs... will probably quote around a bit now though she said with a rating one i can modify whatever i want without it affecting my premium so pretty unlikely as most other places shot me down there...

[CRA16Y]

AAMI
22yrs old
2 acco's 1 loss of licence
04 VZ Calais V8
good rating area
$1500 with flexi premiums set half way.

[belly]

37yrs old
07 VE Calais V V8
Harrop Blower, Cam, Headwork, Full Exhaust System, Lowered, 20's, S/Roof.
All listed with Insurer
Shannons at $980 per annum.
No issues bar one speeding fine just under 4 years ago. Lucky they don't go back further, cause when I was younger (motorbike days), I probably rode and drove around more without a licence than with!!

PS: For anyone thinking of 'excluding' their previous convictions/accidents: PLEASE DON'T. I sell finance and insurance for a living and Insurance companies can completely deny your claim leaving you with a big debt, and nothing to show for it if they can prove non disclosure, and believe me, they try anything they can to void your claim..

[Sleek_vz]

AGE: 36
Insurance: Full comp insurance
Insurance Company: YOUI
Amount per year: $600
Car: VZ SV6 ( slightly modified)

Although they are pains to deal with!!!

[Alex81]

AAMI
Car: VZ Clubsport
All mods listed, Heads, cam, exhaust, brake upgrade.
Age 29
Cost $758yr
Excess $500
Agreed valve

[Woteva]

2003 VY SS Sedan
33 years old
Monbulk, Victoria
All mods listed
AAMI ~ $660 PA
Excess ~ $500
Agreed Value

[gee8vee8]

AGE: 22
Insurance: Full comp insurance
Insurance Company: Just Car
Amount per year: $1500
Car: ve ssv LE G8 (pontiac front)
Addons: Rims, Hard Top, Lowered

[gee8vee8]

oh, also excess is like 1800 or so :(

oh too be young

[VESSV-IBM]

45 year old, Burswood
06 VE SSV Ageed Value 39400
No mods
AAMI Lifetime Rating 1
Maximum Flexi Premium excess
No frills comprehensive insurance $350 per year