How much do you pay for insurance? - Part 1

[Moderators]

This is a continuation thread, the old thread is 130338

[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

[grandpa spec]

19, Male, QLD
Clean history
03 VY SV8
$1776

[stockergts]

27 vx gts not perfect history cost me just over 500 but i elected for the nil excess on front window and payed the extra 23 so brought it up to mid 500

[boggers007]

20, 2009 SS Ute with some mods, perfect driving record and im paying 2200 a yr for insurance from SGIO but will be abit lower in 2months when i renew the contract as ill be 21 then and the car wont have finance on it

[PSICHO]

Vy ss ute sii 28yrs old perfect driving record and still cheapest is $1300.

[stockergts]

Vy ss ute sii 28yrs old perfect driving record and still cheapest is $1300.

try ammi they are cheap and so far no bad coments about them that i heard:)

[daskip]

Age: 25
State: QLD
Car: VT SS - LS2 Conversion / Cam / Headers / Exhaust / Tune
Insurer : AAMI
Price : $532 A Year
Rating : Rating 1 For Life

[Wonky]

Please include suburb/town or general area if country that you're insured in otherwise it's pretty meaningless. Even a few kilometres can make a big difference to your premium.

[BECAUZ]

Well i have a few questions and think this may be the best place to ask.

Current Insurance (due to re-insure on the 10th of sept)

Age: 25
State: NSW
Car : VE SSV Headers / Exhaust / Mafless Tune / OTRCAI / Lowered / Rims
Price: $1652 (excess $1000)
Rating: No Claim Bonus Max

Now the issue i have is NRMA will not give me a written letter that i am covered with the following modifications. I am concerned as i've heard some stories from various reputable people that in the case of an accident they will wipe their hands clear of you and not cover you or anyone else involved if it was your fault.

I know shannons should cover me but there price is around $3500 because im not in a car club. How do i join a car club? Could i join an internet car club and would that be sufficient? Any help is appreciated.

Cheers
Moey

[SammyK]

I know shannons should cover me but there price is around $3500 because im not in a car club. How do i join a car club? Could i join an internet car club and would that be sufficient? Any help is appreciated.

Cheers
Moey

In the Same boat, Anyone recommend or in any Adelaide based car clubs?

21
Metro Adelaide
VZ SSZ (at the time, was stock)
SGIC - $1700 with $800 excess
squeeky clean history

I havn't reported any modifications as yet, so also looking shannons way.
ps - believe it or not, this isnt the only reason i want to join a car club

[255-LS1]

no point quoting premiums with out the excess as you can have low premuim but heavy excess.

[NeishaVESS]

try ammi they are cheap and so far no bad coments about them that i heard:)

At work we deal with all Insurance companies and I think AAMI is the worst, they always try and use second hand parts wherever they can, The worst ive seen when they couldnt find a New BF Goodrich tyre as that size out of stock in Aust they organized a second hand tyre with about 50-60% tread, the owner just put in a little bit of cash and purchased 2 Goodyears, Why pay the insurance cost if your still going to have to put out for parts? They are the same with hang-on panels, second hand is fine.

Racv have been one of the best, every part for them is Brand new and Genuine from the manufacturers, obviously they charge a little more for cover though.

[Pacey]

I was with GIO since I was 17 then when my wife got the VY there offer was crazy so we went with alionz, then 2 years on there price went up and the agreed value fell through the floor so I rang shannons

man I have the house covered with them I have the family truckster with them and the Chev is insured as a project, only made a no fault clame so far but service was great

[shep]

Well i have a few questions and think this may be the best place to ask.

Current Insurance (due to re-insure on the 10th of sept)

Age: 25
State: NSW
Car : VE SSV Headers / Exhaust / Mafless Tune / OTRCAI / Lowered / Rims
Price: $1652 (excess $1000)
Rating: No Claim Bonus Max

Now the issue i have is NRMA will not give me a written letter that i am covered with the following modifications. I am concerned as i've heard some stories from various reputable people that in the case of an accident they will wipe their hands clear of you and not cover you or anyone else involved if it was your fault.

I know shannons should cover me but there price is around $3500 because im not in a car club. How do i join a car club? Could i join an internet car club and would that be sufficient? Any help is appreciated.

Cheers
Moey

You will find that this forum will be car club enough for Shannons.

[Cmycv8]

Don't laugh but I pay $41 a month and thats fully covered.

[Wonky]

Don't laugh but I pay $41 a month and thats fully covered.

Details please. :) Car covered and how much for? Excess? Area? (More than one Cheltenham in Australia). Other policies with same company etc etc.

[Cmycv8]

Allianz (sureplan) covered for market value in Cheltenham VIC.

It's a lease so insurance is cheap and I mean CHEAP....my sister is also an insurance broker so she searched for the best deal under a lease option.

Wonky, I have met you before at Chev's, love the car mate. You inspired me to get the DUS OTR colour coded.

[moconn20]

Just got my renewal notice.

NRMA
24 years old
clean history
65% maximum no claim bonus
Lambton (Newcastle), NSW

2009 SSV wagon
NRMA aware of wheels and exhaust
windscreen/window nil excess option
agreed value $50000
excess $1500
5% multipolicy discount

$1380

[Wonky]

Allianz (sureplan) covered for market value in Cheltenham VIC.

It's a lease so insurance is cheap and I mean CHEAP....my sister is also an insurance broker so she searched for the best deal under a lease option.

Wonky, I have met you before at Chev's, love the car mate. You inspired me to get the DUS OTR colour coded.

Ah, OK. Nice! :goodjob: I remember your car now (Pulse red Monaro as in your post in Chev's section) but unfortunately can't picture you (old timer's disease). :lol:

[Cmycv8]

Thanks mate, I hear you on the memory thing but you will see the Monaro on Saturday if the fix is a serious one it may be there for a while.

So I might jog your memory for all the god reasons.

[iloveholden]

Hey Guys,

Im looking for some advice/information as i look to get some quotes for my next car.

I'm looking at purchasing a 2008 VE SSV ute, manual. Im 21 and have a clean insurance record, only 1 small 2 point speeding fine.

What price should i be aiming for my premium? I was hoping to try and hit 1400 but im not sure.

The ute will, over a long period of time, get some treatment in terms of mods but the most i seeing is going maybe 1-2years down the track is a cam. Therefore insurance needs to allow for this. Just cars quote was 1591 for premium with a 2450 excess.

Any help or info will be appreciated!

Cheers,

Michael.

P.S - Sorry i forgot to mention the ute is locked away everyday at work in the basement and at night is locked away in our garage in a good quiet suburb.

[iloveholden]

Just did an online AAMI insurance quote;

adjusted the standard excess from 400 to 1450 total excess to lower my premium.

Premium came to $1,388.87. Not bad, but what is AAMI's thoughts on mods?

[daskip]

Hey Guys,

Im looking for some advice/information as i look to get some quotes for my next car.

I'm looking at purchasing a 2008 VE SSV ute, manual. Im 21 and have a clean insurance record, only 1 small 2 point speeding fine.

What price should i be aiming for my premium? I was hoping to try and hit 1400 but im not sure.

The ute will, over a long period of time, get some treatment in terms of mods but the most i seeing is going maybe 1-2years down the track is a cam. Therefore insurance needs to allow for this. Just cars quote was 1591 for premium with a 2450 excess.

Any help or info will be appreciated!

Cheers,

Michael.

P.S - Sorry i forgot to mention the ute is locked away everyday at work in the basement and at night is locked away in our garage in a good quiet suburb.



give AAMI a call you will be suprised they are alot cheaper than justcar even as the underwriter

i have my VT which is moderately modded insured with them declaring all the mods

[iloveholden]

give AAMI a call you will be suprised they are alot cheaper than justcar even as the underwriter

i have my VT which is moderately modded insured with them declaring all the mods

Just did an online quote, as seen above, i was impressed. If they allow mods like exhaust and OTR etc then they may be s good chance of getting my money :)

[notorious_benny]

30 yr old male.

09 E2 Maloo R8
No mods, leather, 20's and bi-modal.

AAMI

Prem is $950 with an $800 dollar excess.

Country NSW.

[Tom333]

32 years old, Just Car, Rating 1, pay $95 / month.

2003 VY SS with mods

Excess $400 (and in small print $1000 vehicle excess) so $1400 all up.

Just car are the only company that would insure me with mods. shannons won't touch you if you have several speeding fines in the last 5 years *lame*

[etrocket]

28years old. 2010 ve ssv ute, with mods. agreed value of 52k excess 550 premium 1170 AAMI

[Wonky]

Just did an online quote, as seen above, i was impressed. If they allow mods like exhaust and OTR etc then they may be s good chance of getting my money :)

My car is insured with AAMI for about $860 pa (outer, outer metro area, $52,000 cover with all my mods inc front bar, hardlid, actuators etc.). All my mods (extractors, exhaust, lowered, 20x10 rear rims etc) are listed with them, though for OTR it just says modified air intake. They even accept cams.

[Valik]

39 yrs old, VE SS completely stock with AAMI

windscreen/window nil excess option
Brisbane south

$750

Reminds me I should tell them about the ripshift I had installed today :)

[***VX*R8***]

NRMA
24 years old
Really bad driving history (fines,suspensions,disqualifications)
VX Clubsport R8
Agreed value: $17500
Price: <$1000 p.a

Everywhere else wanted around $2000-$2500 p.a
Excess is around $2500 though due to age and driving history.

[GOT-307]

20yrs Male
VE R8 M6 Stock
Agreed Value $50k (because market value is $38k)
NRMA
Kept in West Sydney
Excess is $2000 + $500 under 25yrs (+the first years worth of insurance if I have a stack within the first year)
$3286

[Xenon]

27yrs Male
Good driving history
WL Caprice 2004 (LS1)
Agreed Value $22k
AAMI
Hobart suburbs OSP (no garage)
Excess is $200
$976 pa.

[OzJavelin]

41yr Male
One speeding fine 22years ago
VY SV8 Stock
Agreed Value $13,500 (don't remember why?)
RACV
Kept in carport on 10acres 30km outside Bendigo (i.e. middle of nowhere)
Excess is $500 + $500 under 25yrs
$530

.. but accord to them I'm getting about $1200 in "discounts" for multiple policies, years with RACV, rating-one, etc, etc??!!

.. and the kicker is that my wife (listed driver on my policy) hit a roo in her FG XR6 earlier in this year (insured with QBE, no claim bonus still intact) and when I told RACV they put up my premiums. Time to transfer SV8, motorbikes, house insurance, etc somewhere else.

[iloveholden]

My car is insured with AAMI for about $860 pa (outer, outer metro area, $52,000 cover with all my mods inc front bar, hardlid, actuators etc.). All my mods (extractors, exhaust, lowered, 20x10 rear rims etc) are listed with them, though for OTR it just says modified air intake. They even accept cams.

Sounds good to me. My car is up for sale soon and let the hunt for an SSV ute begin!

[whiteknight2211]

I'm with AAMI and I pay $134 monthly ($1458 yearly with 10% disc) and have the following particulars.

2008 SSV Ute
Postcode 3805
Age 30, Male
Excess is $500
2 claims last year (thank you to the person in Cairns who scraped my car and was no where to be seen, the other was where I smashed my front bumper on my new houses surprisingly deep gutter).
2 speeding fines <10kms in the past three years.
Rating 1 for life (before the 2 incidents last year)
Contents insurance with AAMI also.
No premium hire car (you get a car for up to 14 days at $20 a day currently)
No windscreen replacement

Everywhere else has been a great deal more expensive, I don't think I have seen anything really worth changing to. AAMI handled both of my claims extremely quickly and I got a new bumper for the repair instead of just patching it up - considering it was hit from underneath they probably could of.

[etrocket]

compared to everyone else - looks like im getting a good deal

[Wonky]

I'm with AAMI and I pay $134 monthly ($1458 yearly with 10% disc) and have the following particulars.

2008 SSV Ute
Postcode 3805
Age 30, Male
Excess is $500
2 claims last year (thank you to the person in Cairns who scraped my car and was no where to be seen, the other was where I smashed my front bumper on my new houses surprisingly deep gutter).
2 speeding fines <10kms in the past three years.
Rating 1 for life (before the 2 incidents last year)
Contents insurance with AAMI also.
No premium hire car (you get a car for up to 14 days at $20 a day currently)
No windscreen replacement

Everywhere else has been a great deal more expensive, I don't think I have seen anything really worth changing to. AAMI handled both of my claims extremely quickly and I got a new bumper for the repair instead of just patching it up - considering it was hit from underneath they probably could of.

Interesting! We used to live in 3804 which I'm sure would have similar/identical rating to 3805 just down the road and my SSV sedan was insured from new with AAMI (again rating 1 for life, no claims in almost 10 years now) and my premium was about $850. When we moved further out it dropped slightly and remained about the same for my ute. I'm puzzled why your premium is so much more (my excess is also standard, not increased to reduce my premium). Or does Rating 1 for life somehow become circumvented if/when you do make claims? :confused:

[vakaviti]

Just Cars
24 Yrs Old
VE SSV Ute
Clean record
Pay $1538 yearly

[2ajmanvell82]

E2 Clubsport R8
10k steering disability controls(paraplegic)
Exhaust otr wheels suspension tint
86,500 agreed w/mods cover
Good driving record
26y/o C/West

Just swapped from NRMA $2500 w/windscreen 65% for life $600exc to
AAMI $1680 w/windscreen all extra's on car Rating 1 for life $800 exc, wife's car with them also.
GIO were going to be $1400 w/$400 basic exc and $600 perf. car exc but didn't have inclusions were after.
Just Cars wanted $2900 w $2000 exc!! no extra's etc. were real bad deal compared to others and inclusions.
Allianz didn't allow any modification.

AAMI are fine with more mods as have cam etc coming, NRMA I had my supercharged VE Maloo with as not many covered but they did. $68K with above mods, steering controls etc $2100 $600 exc.

[RonR8]

I thought mine would cost me way more than it does...

Just Car Insurance
HSV VE R8
Market Value $42,300
23 y/o Male
Rating 1 No Claim Bonus with Protection
No Mods that they know about as yet...
One claim in the last year
No driving offences in the last 3 years
Garaged
$1832 pa
$2000 excess all up :spew:

[RonR8]

I thought they would sting me more for mine!

Just Car Insurance
HSV VE R8
23 y/o Male
Rating 1 No Claim Bonus with Protection
No Mods that they know about as yet...
One claim in the last year
No driving offences in the last 3 years
Garaged
$1832 pa
$2000 excess :spew:

[Ripcell]

RACV
23
2006 VZ Maloo M6
$1900

[iloveholden]

AAMI Insurance
09 SSV Manual Ute
Market Value $41,500
21 y/o Male
Rating 2 No Claim Bonus with Protection
No Mods really
No Claims
No driving offences in the last 3 years

$1298 pa
$1950 excess total.

[Arrow420]

Real Insurance pay as you drive.
VE HSV R8 stock
10,000kms a year, if I go over i have to pay a little more
Agreed market Value -$42500 not bad for an 06
45 years of age male of course

Excess- $2000
PA- $420

[maka5]

- 2007 VE SS M6
- 22yo
- 1 suspension (speeeeeding)
- 3032
- Market value $27,700-
- No Mods
- $1,725- pa
- excess is like $2,000-
:rofl:

[maka5]

and thats with JUST CAR...JUST IS :soap:

[NickS]

34YO Male
No infringements in the last 10 years
CGU Insurance
Low risk Sydney suburb + locked / alarmed garage

2010 C63 AMG
Agreed Value $158K
Excess is $1500
No drivers < 30

2009 WM Grange
Agreed Value $81K
Excess is $500
No restrictions on drivers

$964 pa for each car ... gotta love fleet cover.

:goodjob:

[paul09]

Age: 20
State: VIC
Car1: 2005 CV8-Z Monaro manual, stock for now (only just got it!)
Price: $2152 (excess $1150, includes +$650 age excess)

Car2: 1993 Ford Fairmont 6cyl. Running a CAI, full exhaust, cam, chip, tune, 5speed manual conversion(fairmont 6cyl never came in manual), and LPG conversion.
Price: $411 third party+fire+theft lol

1 at fault claim a year or so ago where I wasn't paying proper attention in the ford and wrote off 2 commodores...(hit them up the ass at like 15-20kmh. No idea how they got written off, I still drive the ford today and it's fine)

[scorpion]

43 yrs
Location Nth Shore Sydney
VE GTS - Cammed, maffless tune, diff, lowered, headers etc.
Insured value $85,000
Insurance Co has list of mods done by Walkinshaw
Added to Corporate MV policy
$1000 excess
Annual premium ... wait for it....$700.

[Arrow420]

43 yrs
Location Nth Shore Sydney
VE GTS - Cammed, maffless tune, diff, lowered, headers etc.
Insured value $85,000
Insurance Co has list of mods done by Walkinshaw
Added to Corporate MV policy
$1000 excess
Annual premium ... wait for it....$700.

Mate got to be happy with that, I thought mine was cheap.

Just thought to mention to, the young fellas with V8s, did you ever consider getting you parents to insure the car in there names, we did it for our 19 yr old who owns a VY clubby, we done it through NRMA and for 25k we paid $720, otherwise it was going to cost him around 1800-2000 in his name, but if he does end up pranging the car you have to pay an extra 800 excess on top of the other, but still cheaper in the long run, expecially if he doesnt.

[SUPERH2377]

2010 g8 wagon 6 speed manual
cgu business insured with chattel morgage
new 4 old
$1150 through broker $500 excess
aspendale gardens 3195

[Wonky]

Just thought to mention to, the young fellas with V8s, did you ever consider getting you parents to insure the car in there names, we did it for our 19 yr old who owns a VY clubby, we done it through NRMA and for 25k we paid $720, otherwise it was going to cost him around 1800-2000 in his name, but if he does end up pranging the car you have to pay an extra 800 excess on top of the other, but still cheaper in the long run, expecially if he doesnt.

One potential disadvantage with that is depending on the insurance company they may not give him any credit for a car not in his name, so a few years down the track he will still be on top rating.

[Arrow420]

One potential disadvantage with that is depending on the insurance company they may not give him any credit for a car not in his name, so a few years down the track he will still be on top rating.

True, but we are just doing it for the first year, also told him Im not wearing any fines he may get in the car, but hes pretty good for a young fella.

Also wonky Im not to sure on the rating system, so how do you know what rating your on when you do your insurance, as it always ask rating 1-5, does it mean how many years without a claim ??

[vxls1wagon]

hey guys,

Age:20, 21 in march
Car: custom vx wagon, bagged rear. kitted, exhaust, tint, rims, stereo etc...
Cover: full comp
Location: melbourne
Rating: clean record, 1 parking fine haha:)
Cost: (because of the bags, and age) $1790

Im soon converting my vx into a ls1 out of a vt berlina wagon. Then it will be cam'ed bigger throttle boddy exhaust tune etc,(295rwkw+) apparently i dont need it engineered and vic roads will switch it on their records as soon as its in, insurance said they will change it once im off my p's (march)

How much more can i be expected to pay? as im comming off my p's which should drop the premium but also dropping in the ls1 which should bump it right up

Thanks for any advice in advance

[Marco]

Age: 30/27 (wife also on the policy)
State: ACT
Car : VE SS, stock, agreed value $36k
Price: $1085 (excess $60)
Rating: No Claim Bonus Max (includes 'years of insurance' and multi-policy discounts)

FWIW, I also insured my ZC Vectra this week for the princely sum of $450...agreed value $11k but still!

[Little Brad]

Age. 20
State. QLD
Car. vy sv8 manual
Mods. cam few others
Price. $204 per month
Excess. $1600

[Marco]

Price: $1085 (excess $60)


Er...make that $600 excess, otherwise I'd start claiming tanks of petrol :)

[inky]

One path insurance(was ING)

Age: 32
Location: Adelaide
Drive History: DUI 2002
Car: 2003 vy ss ute
Mods:Wheels/body kit/lowerd/exhaust/otr/cam
Cover: Comprehensive
Premium: $859
Excess:$300 undeclared drivers $1500
Agreed value: 30,000

I just got the renewal forms sent and last year they agreed value of $33,000.
With the new renewale they stated $26,000. It didnt bother me it was $26k but i rang them up anyway and asked way it dropped $7k and they said i can insure for $30k if happy of get an apraisle. Off course i agreed with $30

[Rydogz]

age:23
location: NSW
drive history: 2 speeding fines in last 5 years
car: VY II SS 6spd
stock
comprehensive
premium: $150/mth
insurer: NRMA
agreed value: $19000
excess: $1000 regardless of who is driving under 25, this part annoys me, YTF should I pay extra for an under 25 when I am the owner of the car. Should only apply to another driver it's bs.

Conclusion: Whilst not stoked with my premium I do have my no claim bonus for life at age 23.

[warlobo]

34YO Male
No infringements in the last 10 years
CGU Insurance
Low risk Sydney suburb + locked / alarmed garage

I'm guessing no claims either, CGU sux, I investigate their claims, among 20 other insurers, only ones that specify a recorded interview with 4 pages of preset quetions. No other insurer (including all majors) does this.

Avalanche LS1 $800 - excess $550
VE RB Tourer $1000 - excess $500 both have bolt on mods although agreed value for tourer is 25k more, go figure. AAMI (no questions or checks in 3 claims over past 3 yrs, rating 1 protection, they also let me pay $20 for this AFTER I rolled and wrote off a vehicle in Qld and rang to report it.)

[vzmaloor8#150]

At work we deal with all Insurance companies and I think AAMI is the worst, they always try and use second hand parts wherever they can, The worst ive seen when they couldnt find a New BF Goodrich tyre as that size out of stock in Aust they organized a second hand tyre with about 50-60% tread, the owner just put in a little bit of cash and purchased 2 Goodyears, Why pay the insurance cost if your still going to have to put out for parts? They are the same with hang-on panels, second hand is fine.

Racv have been one of the best, every part for them is Brand new and Genuine from the manufacturers, obviously they charge a little more for cover though.

I dunno bout that claim i am with AAMI we i aquaplained off the road during a cyclone 2 years ago,all i could see damage wise was a busted right side skirt an my left exhaust peeled around to the headlight. $16,500 dollars in repairs later including new stainless exhaust instead of mild,all new plastics new badges,full respray later all good. i pay around $1400 a year but its a hsv i have cam cai mafless exhaust stero suspension etc listed with em.$500 excess rating 1 for life im 28 joined with em wen i was 25 lots of speeding fines an 1 disqulifiation an 1 suspension. went to put gf on she is 21,was told for occusional driver as long as they have my permision they r covered to drive car....... no extra cost to policy

[Red Beard]

40 y.o. Male
No infringements or suspensions
No accidents or claims
Parked in the driveway
Not a great suburb (our share of druggies)
Maximum no claim bonus
Crewman Cross 8 (No Mods)
Private use
No under 35 drivers

AAMI will be about $1500 - $1600 this year ($800 excess)

So I thought I'd get some quotes online

Cheapest was AI insurance based in Newcastle

Confirmed on the phone $790.27 ($600 excess)

Checked the PDS, the coverage is the same.

And when I do the exhaust, no problems, just let them know, no extra cost.

Where's the loyalty AAMI?

[brasher]

2011 Series 2 SSV Ute

Male 24yo
Southern Suburbs of Sydney
Driveway parked
Decent area
No claims
No offences
All mods (exhaust, OTR, Coilovers)

$875 pa.

AAMI.

:goodjob:

Considering my Ford AU ute was more than this 100% stock I can't complain.

[woffty12]

Hi paying $675 a year through cumis mutual full no claim bonus
$550 excess ve ss insured for $32000. nsw country. 40 yo

[aratic]

Just changed insurance

Age:28
Location: Brisbane (4007)
Drive history: No claims or infringements
Car: VY SS
Mods: Basic mods only - mafless, exhaust, lowered
Comprehensive, rating 1
Premium: $802/pa
Insurer: NRMA
Agreed value: $17,000
Excess: $800 for drivers over 25.

Conclusion: Pretty happy with this, especially as NRMA you can adjust your agreed value to anything without question and you have choice of repairer. Flood and storm damage is covered as well.

[VX BY DESIGN]

- 45+ish Male
- Oct 10 SSV Wagon (series 1)
- Private use
- No drivers under 25 and no other driver listed
- Parked in Garage every night in Narellan NSW 2567
- Rating 1 for life

Was with Shannons but they wanted more when I changed over from the Calais because the SSV is classed as a high performance car (Calais was 6lt, with zorst, OTR, tune, lowered and on 20’s all on policy) go figure.. :confused:

Went to Suncorp:
- Agreed Value @ $44,470, with up to $25k to pay out any monies (Vehicle is under CHP) on the vehicle if it is a right off in an accident + will pay $10k to help me get into a new car.
- Hire car included
- One windscreen every year
- Excess $950
- $1,104.24 pa ($92.02 pm)

Had a bit of a bun fight getting this (to and fro about 3 weeks) as the agent was trying to get me to pay more because he stuffed up on my DOB and I think he just needed another sale for the end on month. :)

Other car is a 76 HJ 1 tonner,
Mods, 350 Chev and turbo 400 trans and a few other bits an pieces
Shannons
- Agreed Value $5k (been like this for 5 years)
- Excess $200
- $442pa

[deano23x]

hi guys, do the fellas with cams, blowers, front mount coolers tell your insurance company of those mods? any positive response would be great!

[deano23x]

Also I drive my car once a month if I'm lucky, is there any companys that have policies for limited driving? Cheers

[jaykay]

also i drive my car once a month if i'm lucky, is there any companys that have policies for limited driving? Cheers
youi........

[VenomX-87]

Back when I was 18 and on my P's I brought my 1984 Trans-Am WS6 with only a little 5L V8, I was quoted $6,800 P/A for full comp from AAMI... I only payed $9,000 for the car so that was not going to happen.

[HAVIC]

26 year old female.
VS GTS - 5.7L, Supercharged
$550 full comprehensive with Suncorp. I should shop around a bit though and see what I can get.

[HAVIC]

Back when I was 18 and on my P's I brought my 1984 Trans-Am WS6 with only a little 5L V8, I was quoted $6,800 P/A for full comp from AAMI... I only payed $9,000 for the car so that was not going to happen.

Awesome first car! Reminds me of when I bought a N/A 300ZX for my first car when I was 17 and AAMI quoted me $5500 per annum :/ Needless to say I didn't take them up on their offer either...

[colt75]

20 Year old Male
08 HSV GTS
Private Use
Rating 2

With Just Car Insurance
$1900 a year Full Comp
Age Excess - $650
Standard Excess - $450

[v8dude78]

Have just renewed my insurance with A&G Insurance bit of a story to it though.
Received my renewal letter in the mail and it had gone up (again :vpo:) $960, so thought bugger this ill do a bit of shopping around.

So over the next few days i was online doing quotes and such and the cheapest i could find was Budget $820 next was Shannons at $860 and thats with all the mods listed for both.
Thought well ill go with Shannons, modified car etc, Then last night i was bored so i thought i would do an online quote with A&G Insurance just for a laugh to see what it would come up with.

Nearly fell off the chair it came up with $729 :confused:

Got on to the phone with them today and asked why the difference, the guy checked a few things couldnt come up with an answer so he said ill check with the team leader and call you back, well couple of hours later he rang back and PRESTO it was down to $729 :dancenana: and thats with all the mods listed.

Didnt tell me how or why just said that was the new premium.
Just goes to show ALWAYS ring/shop around every year, think they must rely on people just paying it no questions asked.

37 year old male
02 VX Calais
Rating 1

[WOMBIE]

I received my renewal this week and with all mods listed the agreed value stayed the same as this prevoius year and yet my premium actually went down :confused: oh well I'm not arguing with them lol

[deano23x]

Alot of people don't wanna insure me being 24 with highly modded car! I drive it once a month if lucky, pain in the bumm riniging heaps of companys but I guess you gotta do it!

[vicarious]

mines gone up this year approx $150, with 1 not at fault claim last year:confused:

[Hos]

mines gone up this year approx $150, with 1 not at fault claim last year:confused:

Same here, one not at fault claim, was assured would have no effect on my premium but now the renewal is due and SGIC wants an extra $160~ bucks. They're still the cheapest by far, around $850 for my wagon, stock standard, $400 basic excess, 26 year old driver.

I was hoping premiums might improve once my wife hit 25, but no difference. Also, as soon as you mention mods that you hope to do (catback, otr) premiums double or they won't insure you.

[blackbettyhsv]

hows this for a deal, Im using my clubsport as security for a chev silverado we just bought Im with shannons at $707 per year, if I stay with them my premium goes up because we use it for security on a financed car, so were we got the finance from for the chevy they will insure the clubby for $611 & use it for security with no penaltys, seems premiums get cheaper as we get older,

anyone else had this issue

[walesy]

Alot of people don't wanna insure me being 24 with highly modded car! I drive it once a month if lucky, pain in the bumm riniging heaps of companys but I guess you gotta do it!

i have the same issue with trying to find an insurence company that will insure me (24 also) i was with justcar because they were the only ones that would insure me but full comp was $3500 a year!!! and you cant pay by the month you must pay it in one go :flipoff:

[deano23x]

i have the same issue with trying to find an insurence company that will insure me (24 also) i was with justcar because they were the only ones that would insure me but full comp was $3500 a year!!! and you cant pay by the month you must pay it in one go :flipoff:

yeah, i wont be going with justcars and i didnt like there agreed value! try RACV looks like ill be going with them or aami cause my house is with aami too! but like i said more than likely going with RACV

[vicarious]

just did an online quote with allianz for the ute with agreed value of $29800( trade in value is approx $22000),parked in the drive, no excess for broken windscreen, tools the trade coverage & it was approx $80 cheaper($717) than holden insurance which goes through allianz anyway.

[gjohnson]

NRMA QLD are very competitive. 2010 Maloo Supercharged, agreed value of $85 000. Hirecar and windscreen cover $800 per year with a $600 excess.
No driver under 25. I am 37 with full No claim bonus.
Shannons wanted $2500!!!

[Tillz1987]

i'm 23, good record and the best i could find was 1500 for a VE SS, agreed value $36000...

[tomholzy]

Im 23 too, try NRMA, 800 per yr for modified VE SS (agreed value 60000)

apparently theyre fine with any mods as long as theyre roadworthy and legal, just work out what the mods cost and add it to your cars value for an agreed value

[deano23x]

Am I correct in saying NRMA arnt in vic and there partners are Racv for Victoria? 2/3 of mods I would say arnt legal!

[Tillz1987]

i'm obviously getting done over lol

[Tillz1987]

yeah definitely agree, if you were following the rules to the letter most mods wouldn't be legal i don't think...

[tomholzy]

well if you want to get technical no insurance company can cover illegal mods, so theres no point over arguing whats legal and whats not

[NeishaVESS]

I was told by RACV that if I fitted coil-overs to my car that I require an engineers cert because the car wasn't fitted with adjustable suspension from the factory? Does this sound right? So basically any mod you won't get past a RWC with is a big no no..

[deano23x]

well then im guessing where all kidding oursleves with insurance then arnt we!

[NeishaVESS]

well then im guessing where all kidding oursleves with insurance then arnt we!

Pretty much, although you get a different answer with ever different person you talk to on the phone with so who knows really.

[Kingston_99]

$1800 2nd rating (go first rateing next year $1400 a year)
21!! (was paying 2,200 when i was 20...)
clean driving record
stroked and blown VY SS ute!!!!! to many mods to list haha

[Hulkssv]

2011 VE SS Manual Ute
Brand new.
$920 p/a 70k Agreed value.
21 years old.
Alex hills QLD

[Wonky]

2011 VE SS Manual Ute
Brand new.
$920 p/a 70k Agreed value.
21 years old.
Alex hills QLD

For comparison purposes, which is what many people use this thread for, you did forget to mention one very important fact - the 25% discount you get given you actually work for the insurer. http://www.ls1.com.au/forum/showthread.php?p=1919488&#post1919488

[Hulkssv]

For comparison purposes, which is what many people use this thread for, you did forget to mention one very important fact - the 25% discount you get given you actually work for the insurer. http://www.ls1.com.au/forum/showthread.php?p=1919488&#post1919488

that price is pre-discount :)

[Hulkssv]

that price is pre-discount :)

woops, my bad $980 p.a after discount is 735

[chocco]

RACV.
2010 VE SSV Special Edition Wagon
Ist year - $650
2nd Year - $ 830 Just renewed
$500 Excess - Both Drivers Over 30
Agreed value - $56000K

We did have one claim, the wind blew the manhole cover out in the garage and dinted the crap out of the back of the car, so I don't think the increase is to bad.

RACV
2005 VZ Cross 8
1st Year - $690
Market Value - $23,000

[Wonky]

FWIW, I received the following in a Fly Buys email today. Results may differ with our particular cars and in my experience some of the companies listed below won't touch modified cars, but it's handy info.

http://i1114.photobucket.com/albums/k538/Wonky_at_Chevs/Coles_insurance.jpg

[Hulkssv]

FWIW, I received the following in a Fly Buys email today. Results may differ with our particular cars and in my experience some of the companies listed below won't touch modified cars, but it's handy info.

http://i1114.photobucket.com/albums/k538/Wonky_at_Chevs/Coles_insurance.jpg

haha coles insurance $3509 p.a as opposed to my current 980 p.a. i love how they do these surveys.

[TUFFIE]

Shannons 3 x cars
Grange full comp - insured as highly modified, unlimited mods allowed
Toyota landcruiser, full comp - Modified
Mazda 626 third party only - stock
$ 1460 per year.:smilesandbanana:

AND can get cover for track days as well in the Grange.

[charlie15]

I think I'm getting ripped off.

24. Cv8r - exhaust, otr, wheels, $1400 with just car.

Definitely going to call around soon.

[wattos_ute]

24- vz maloo r8 $1050, CGU

[Kingston_99]

I think I'm getting ripped off.

24. Cv8r - exhaust, otr, wheels, $1400 with just car.

Definitely going to call around soon.

yeah im the same mate, im with Just cars as they were the only people that would insure me. every other place pretty much hung up when i told them age and mods...

shannons wouldnt insure me when my car only had cam, exhuast, wheels, suspension, otr, tune. they told me to come back after a year of owning the car. now its been over a year, its totaly a new car.. stroked and blown. i wonder if they will tell me to get another year of experence behind a high powered car....
plus im also in a car club now, so should have a better chance of getting insured by Shannons

[The X Man]

I pay $598.00/yr, full comprehensive, windscreen cover, rental car cover and rating 1 for life with the RAA in SA. I am 40 years old.

[stockergts]

Just got the renewal on the gts just over $300 bucks

[Wonky]

Just got the renewal on the gts just over $300 bucks

$300 for HSV comprehensive insurance!! :shock: That's impressive no matter what your postcode, even on a VX (I assume?)!! Or is it very limited kms? :confused: More info needed please. :)

[stockergts]

Full comp with a windscreen area not the best daily drive myself and wife listed drivers she has clean record my has been good the last 5 years it's with ammi too yeah vx gts with leather sunroof sat nav and 20's

[HSV Listy]

$1800 for the avalance with shannons. It was $750 when I started wiuth shannons in 2005. Two claims over 5 years against that car just smashes it.
The GTS is down as modified big time with agree value and only $750. No claims against that car.

The 300zx 1984 is $170 per year with 2.5k agreed value.

Shannons is good but you make a claim and it just sky rockets. Lucky it only affects one car

[Wonky]

Full comp with a windscreen area not the best daily drive myself and wife listed drivers she has clean record my has been good the last 5 years it's with ammi too yeah vx gts with leather sunroof sat nav and 20's

Very impressive!! :goodjob:

[grunter01]

$1400 for my clubby with shannons but thats with all the modifications

[jonesy_87_]

I was with Shannons and bought a house recently. It was time for renweal last week and I asked about the new address and how much it would change the premium.

Old with Shannons was $2050 and they wanted $2400 for the new address. Agrred Value $24500.

Called AAMI to see how much they wanted and got a quote for $1100 with $26000 agreed value.

All mods listed on both policies, AAMI has a slighly higher excess.

Can't believe how much cheaper it was...

[sv300 - 75]

im 24 and have no previous history, i live in templestowe and the car is always garaged. the car is a 2001 VXII HSV SV300

i got the renewal notice from aami the other week and it came in at $1400 odd but that doesn't include my modifications and its with a $1550 excess plus $450 because im under 25.
aami wont insure me with all the modifications that i have (full zorst, cai, tune, stereo)
just car have quoted online $1976 including all mods and a $3k stereo.

ive got a question about these two and others i guess, will i get a better quote if i call them and ask them to beat the other insurance companies price???

oh and the agreed value was only $18650 which is no where near enough for the replacement of the car. how do i get that increased?

[deano23x]

im 24 and have no previous history, i live in templestowe and the car is always garaged. the car is a 2001 VXII HSV SV300

i got the renewal notice from aami the other week and it came in at $1400 odd but that doesn't include my modifications and its with a $1550 excess plus $450 because im under 25.
aami wont insure me with all the modifications that i have (full zorst, cai, tune, stereo)
just car have quoted online $1976 including all mods and a $3k stereo.

ive got a question about these two and others i guess, will i get a better quote if i call them and ask them to beat the other insurance companies price???

oh and the agreed value was only $18650 which is no where near enough for the replacement of the car. how do i get that increased?

thats odd, im same age as you with a blown cammed and cooled monaro and aami will cover me! its crap how every different person gets a different price/quote/excess and so on....

[csv rulz]

Aami quoted me like $1900 for a stock VY SS, no way was I paying that

[sv300 - 75]

thats odd, im same age as you with a blown cammed and cooled monaro and aami will cover me! its crap how every different person gets a different price/quote/excess and so on....

i get what you are saying
but how much were you paying? excess and premium?

[deano23x]

cant remeber dude, ill check some old paperwork tommrow and get back to ya! but i do remeber it wasnt bad excess and premium but they agreed value was too low!

[2010blackve]

$1150.00 with Shannon's, 2010 VE SSV Ute, $300 excess, daily drive 70K Kms per annum business use and postcode 6502. Down from $1500.00 on the previous insurer and Shannon's cover the mods.

Cheers

[Epic_Dragon]

ive got a couple cars with shannons, and all agreed value. no infringements. female. VE SSV is 1200 with 300 excess i think. it just comes out the account monthly :) they are good with mods, and disability mods on cars, ive had dealings with a few companies who dont want to cover with those kinds of mods.

[jaykay]

I'm paying $800 per year for my new E3 GTS now for $85k. Just spoke with Shannons for a quote for when I put the supercharger, exhaust, OTR and tune on the car.

They quoted me $2,300 for 12 months with $950 excess (1%) for $95k cover (they cover 1/2 the value of the mods...so if I spend $20k they add $10k on top of the $85k for the car = $95k cover).

Might ring around and see what other companies will charge....

[VS FTW]

18, Vic, Vs exec
Clean history, AAMI - $570

[Ripcell]

just renewed mine,

23, Good driving history
agreed value of 45k paying $1500
racv

[Wonky]

Hate to let you know Bob but the mods really frown on that and will just set your post count back to 0, plus possible ban. :nutkick:

[silvervyss]

Hate to let you know Bob but the mods really frown on that and will just set your post count back to 0, plus possible ban. :nutkick:

Same post in 7 threads, must be a new record. Funny thing is, he probably doesn't understand how posts are calculated :rofl:

[Tony66]

$800 odd with RAC for $57500 SSV Redline.

[Cmycv8]

$1203 with GIO :flipoff:

All mods listed for the Monaro but GIO state because of the kind of car it is it carries an excess of $600 for the excess and $700 for the type of car bringing my excess to $1300 :vpo:

Won't stay with them once the car comes back from the repairer.

[Girvo]

$1400 for the Clubby, with JustCar

Clean driving record etc.

[Chaps90]

21

VE SS Series II

RACV

1187 with 2400 excess.....

Perfect driving record

[Toddler78]

just got my renewal letter and its $980 for 12 months for my monaro, funny thing is if I get an online quote from the same mob and put in my details my premium is $870 (however my agreed value drops by $1500) might give them a call monday to see if they can sharpen their pencil

[jaykay]

I'm paying $800 per year for my new E3 GTS now for $85k. Just spoke with Shannons for a quote for when I put the supercharger, exhaust, OTR and tune on the car.

They quoted me $2,300 for 12 months with $950 excess (1%) for $95k cover (they cover 1/2 the value of the mods...so if I spend $20k they add $10k on top of the $85k for the car = $95k cover).

Might ring around and see what other companies will charge....
Just Car quoted me $2,100 for the equivalent cover for the supercharger, CAI, exhaust, cam and tune. $90k cover

[DazzaLux]

my old hilux was 650. when I say old 1989. I said bugger that... found just cars to be cheaper. LOL who knew

30 yrs old no accidents or even a point lost

[Older]

VE Calais $570 with $600 excess .. I am 57 with a perfect driving record though :)

[blackbettyhsv]

cgu $616.92 for my ve clubby with mods, was $719 with shannons but we used it for security when my son bought the silverado & had to change to cgu due to the finance, I was happy with shannons but $112 savings is not too bad maybe I might get quotes on all my other toys

[feistl]

Just ordered my insurance with shannons.

Car VX
Age 25 Male
Premium $2238
Excess $500
1 Claim (3 years ago, $13k)
6 Demerit Points (2 years ago)

Amount Covered $65k.

Mostly i like the ability to pay per month for no extra cost. Still is a lot of money to spend each year when the car gets driven so very very rarely.

[xforddriver]

38 years old, VZ SS 5.7 ute, CGU full comp, $400 execess, $715 a year, my choice of repairer, and hire care for 2 weeks.

[FAT-LSX]

Male, 23. VZ SS thunder 6.0

$1800 p/a

Lost my lisence a couple of times when I first got my ps.

[sv300 - 75]

im 24 with 1 claim 4 years ago but not my fault.
1 point lost last year for 4km over

car is a VX HSV SV300
5.7l 6sp
CAI, full zorst, tune, strut brace, 4k sound system, standard suspension and rims.
i pay $170ish a month premium
$500 excess plus young driver $400
got agreed value at 10k more then what they want to cover
and now the car is a weekender as i got a commuter ford shit box from work.

still worth it knowing that i am 100% covered now with all my mods

[Wonky]

A few people are not including one critical piece of info and that is where they live because that can have a huge effect on premiums as well. Living in a suburban area with a reputation for thefts and prangs is a lot different to insuring in a one store country town in the middle of nowhere.

[FAT-LSX]

In the Same boat, Anyone recommend or in any Adelaide based car clubs?

21
Metro Adelaide
VZ SSZ (at the time, was stock)
SGIC - $1700 with $800 excess
squeeky clean history

I havn't reported any modifications as yet, so also looking shannons way.
ps - believe it or not, this isnt the only reason i want to join a car club

dont you have to be over 25 to be insured by shannons?

[OZY67]

44 years old

04 CV8-R monaro with 51,000 kms ,gen 3

qbe has insured it with all my accessories and the boot install , agreed value of 47,700 ..

price I just paid for the year $570 , I have a 60% no claim and they know the car is in a secured storage unit (alarmed) and the car has two alarms .. plus i have been insured with them all my driving years ...

nice area and in perth wa

oz

[vessloveit]

A few people are not including one critical piece of info and that is where they live because that can have a huge effect on premiums as well. Living in a suburban area with a reputation for thefts and prangs is a lot different to insuring in a one store country town in the middle of nowhere.

All too true however some companies have some strange ways of calculating premiums on location, I live in employer supplied house there are 12 houses in a small estate close to the factory where I work.

I moved two houses around the corner and when I informed AAMI that my address had changed they wanted to increase the premium on my VE by $126 they could not explain this increase to my satisfaction so I cancelled about $2000 worth of premiums with them and moved over to RACQ insurance and saved on new premiums.

[KJV]

I have an 06 VE SS with a few engine mods. I'm 30 years old. Insured with Shannon's for agreed value and costs me $1200 pa

sent from my Galaxy SII using tap talk

[Smashfist]

Male, 25yo, clean driving record. 03 VY Clubsport Auto, $1k pa with RACQ. No hire care, but my choice of repairer and lifetime guarantee on repairs if an RACQ approved repairer. Insured value about $19k.