Car Insurance

[kangavxss]

Can anyone advise on a good car insurance company that is open to minor modifications (ie: changing wheels). I was all set to purchase a set of aftermarket wheels but thought I would check with my car insurance company regarding the different wheels (Allianz). They told me that I had to stick to factory wheels of the same width as standard for the car (VXSS) and that aftermarket wheels if fitted would void the policy if I had an accident (even if the after market wheels were the same width!!). I am allowed however to fit genuine only HSV wheels without a problem of the same width. This limits my choice a fair bit. My premium is pretty good $550/year which is about $200 less than most other insurance companies. So either I get some HSV wheels or risk it with aftermarkets. Hows this for a laugh: They said I could get aftermarket wheels that would be covered, but to a max width of 7 inches only (thats a whole inch less than standard...). What a joke...
Cheers

[gavlotic]

Go aami or shannons.

cheers,

Gav

[kangavxss]

Tried them, pretty expensive over $800 + add 10% to premium for every mod with Shannons.

[iCat]

wow, didn't know about that 10% thing with shannons - that sux.

I'm with Lumley Special Vehicles. good prices, good policy, fine to claim through.

[deano23x]

http://www.ls1.com.au/forum/showthread.php?t=130338

[Jesterarts]

I ended up going with GIO for my car.

They beat the nearest over quote I got by $400 and they didn't seem to care much about my mods. Like, I declared EVERYTHING and they were find with it.

Hope this helps.

[smokey777]

im with suncorp done cam, tune mags etc. all good with it only they put up the excess to $1400 lol

[Spoolin]

I ended up going with GIO for my car.

They beat the nearest over quote I got by $400 and they didn't seem to care much about my mods. Like, I declared EVERYTHING and they were find with it.

Hope this helps.

GIO, AAMI and Just Cars are all Suncorp companies...Good luck when you make a claim :eeeeek:

It's only then you'll realise why they are cheap...

[deano23x]

I ended up going with GIO for my car.

They beat the nearest over quote I got by $400 and they didn't seem to care much about my mods. Like, I declared EVERYTHING and they were find with it.

Hope this helps.

Looks like I'll be ringing GIO then

[Drewie]

Not sure what state you are in, my VX SS is with RACV it is stock standard but prior to the VX I had a car with after market Simmons wheels and RACV took it and had it noted on the policy. RACV were pretty competitive price wise with mine and gave a very good agreed value.

[Dan_]

GIO, AAMI and Just Cars are all Suncorp companies...Good luck when you make a claim :eeeeek:

It's only then you'll realise why they are cheap...

+1 I wouldn't go near any of them. I'll stick with NRMA

[loudvtss]

This year I've had to deal with AAMI twice to make a claim. Firstly for the wife's car as a result of water damage and recently when someone decided to turn in front of me while doing 70km/h through an intersection. On both cases it's been a pain getting to the correct claims office. The first time they sent the car to their repairers and it was a nightmare. We picked up the car and it smelled like water damage. Underlay wasn't cleaned. It went back and they masked the smell with some strong chemical. I am changing insurance companies even if it costs me more. It took them close to 2 weeks to get my car assessed and to a repairer to begin work.
I got sick of hearing 'Lucky your with AAMI'.

[kangavxss]

Thanks guys. Have to try the other companies you have suggested and see how I go.

[kangavxss]

If I stick to hsv wheels which the insurer says are OK then I might go for VESSV for a good price at Wheelking for about the same as after market package. They advised they fit VX and supply all thats needed as here...
http://wheelking.com.au/Wheels/tabid/196/ctl/ViewItem/mid/649/item/393/Default.aspx

[kangavxss]

Not actually HSV but genuine holden...

[Mike33]

Try Alliance, no probs with my SS Commodore and very competitive

[VYSHSV8]

GIO, AAMI and Just Cars are all Suncorp companies...Good luck when you make a claim :eeeeek:

It's only then you'll realise why they are cheap...
If thats the case then Shannon's is with them as I am pretty sure AAMI own Shannon's

[VYSHSV8]

Tried them, pretty expensive over $800 + add 10% to premium for every mod with Shannons.
I am with Shannon's, I have 2 cars with them a modified VY and a stock VE atm cost 1100 a yr for both.....all mods Listed

[BLACK 346]

Tried them, pretty expensive over $800 + add 10% to premium for every mod with Shannons.

I will have to keep an eye out for this at my next renewal, I have added substantial mods to my SS over the last couple of years and a few to the wifes Rex with no increase in premium. Hope I dont cop the whole lot at renewal time :eeeeek:

[kangavxss]

Tried Alliance and $220 more for premium than what Im paying now...

[VYSHSV8]

I will have to keep an eye out for this at my next renewal, I have added substantial mods to my SS over the last couple of years and a few to the wifes Rex with no increase in premium. Hope I dont cop the whole lot at renewal time :eeeeek:
I just got my renewal and paid it didn't say anything about 10% stuff, not that i really read it :lol: but price hasnt changed much might be a couple of $$

[kangavxss]

VYSHSV8: Is that for both or each? Shannons are trying to shaft me with their quote if yours is for both cars...

[VYSHSV8]

VYSHSV8: Is that for both or each? Shannons are trying to shaft me with their quote if yours is for both cars...

Both :):) with 60% NCB just double checked $1176 a yr but if I pay monthly works out around the 1300 mark

[lsx 102]

I'm with shannons 2010 ve ssv wagon 22inch wheels lowered cam blower $1200.over 40, dont think its that bad,agreed value of $60000.

[BLACK 346]

I just got my renewal and paid it didn't say anything about 10% stuff, not that i really read it :lol: but price hasnt changed much might be a couple of $$

Yeah, wasn't really expecting it to go up. I never take much notice either, just like their customer service and enthusiasm when you ring up with a new list of modificiations. All of our insurance is with Shannons now, and will remain that way unless they do the wrong thing by us.

[kangavxss]

OK. The Shannons guy definitely said 10% extra for additional mods.. got me??

[BLACK 346]

VYSHSV8: Is that for both or each? Shannons are trying to shaft me with their quote if yours is for both cars...

One thing I have found with Shannons is that their phone reps can be a bit hit and miss ie Different quotes or wont even insure you. My father inlaw on referral from me tried to insure his Porsche 928S and Datto 260Z with them. The first question they asked him was if he was a member of any car clubs. When he said no, they told him they could not insure him.

[kangavxss]

lsx102 thats a good deal for the agreed value. My agreed value was only 15grand and Im 50 year old so $800 is a bit steep..

[VYSHSV8]

OK. The Shannons guy definitely said 10% extra for additional mods.. got me??
They will loose alot of business if they do that :):)

When I get my next car, and go with them I get another 20% of all 3 cars :)

[kangavxss]

As Black said its probably hit and miss with which rep you get on the phone

[BLACK 346]

They will loose alot of business if they do that :):)

When I get my next car, and go with them I get another 20% of all 3 cars :)

How does this work? Please tell :)

[kangavxss]

Thanks fellas, will catch up on later posts (dinner time now)... Cheers

[VYSHSV8]

How does this work? Please tell :)
Not sure but when I sold the VX a couple of weeks ago and took it of the insurance the guy asked am I getting another car soon, I said yes and he said when you do and put it through us I get another 20% discount :):)

BTW I was only paying 1600 a yr for all 3 cars the VX had 383 stroker and a fair bit of stuff done to it so I couldn't complain...

[amckiwi]

OK. The Shannons guy definitely said 10% extra for additional mods.. got me??

Mine was 10% for mods

I rang up last week to add brakes suspension and exhaust

Thanks no extra charge was the response :)

Lile others I have all my insurances with them both cars and house and contents

Their house insurance includes a "tools / collectables" clause where if it is a total loss you get a payout for these up to 12k even when not listed (may have facts slightly wrong here but it is something like that)

Stu

[BLACK 346]

Not sure but when I sold the VX a couple of weeks ago and took it of the insurance the guy asked am I getting another car soon, I said yes and he said when you do and put it through us I get another 20% discount :):)

BTW I was only paying 1600 a yr for all 3 cars the VX had 383 stroker and a fair bit of stuff done to it so I couldn't complain...

Sounds like a killer deal :)

[VYSHSV8]

Yeh I am tempted to get contents insurance through them as it will only add to the discount :) will give them a call tomoz...

[VYSHSV8]

Sounds like a killer deal :)
Alot of it comes down to tour postcode as well and whether cars are in locked shed's garages etc etc... I live in Casuarina around 700mtrs from the prison, so its bloody safe:) no prick if they escape is gonna stop and try and grab a car that close to there home/Jail :lol:

[JT]

I ended up going with GIO for my car.

They beat the nearest over quote I got by $400 and they didn't seem to care much about my mods. Like, I declared EVERYTHING and they were find with it.

Hope this helps.

best you check your excess amount if you make a claim.
GIO charge $100 per mod on the excess

[Wonky]

GIO, AAMI and Just Cars are all Suncorp companies...Good luck when you make a claim :eeeeek:

It's only then you'll realise why they are cheap...

I had to make an at fault claim on my AAMI policy (all mods listed, inc cam for no extra cost) earlier this year and it all went fine - even got to choose my own repairer!! :goodjob:

Oops! Only problem I had was a 3 week wait before I could get it assessed, but I understood why given they were still catching up on all the claims due to floods etc.. It was quite drivable so it didn't worry me.

[Spoolin]

If thats the case then Shannon's is with them as I am pretty sure AAMI own Shannon's

Yes, you are correct, but Shannons run under their own schedule. Give it time and this may change.

Cheap is expensive in the long run...

[katlad]

Mine is with Shannons.

All mods included, Extractors, zorst, cam, pushrods, lifters, valve springs lowered springs & Blower.

I'm 41 & paying $645 with an agreed value of $40,000

[Red Beard]

I changed from AAMI recently. I got a quote on zippy.com.au that was $300 cheaper. They don't have the major companies listed, but have companies like Virgin Insurance, AI and some others I can't remember. I ended up with AI. I'd never heard of them before, but they offer all the same stuff, and there fine with mods, as long as they're legal. I haven't had to make any claims yet, and every year without a claim, your excess decreases, from $600 to nothing after 5 years.

On the comment about being hit and miss depending on which rep you get, I had a very interesting conversation when organizing my green slip. Apparently they have a pool of money to use for discounts, and each rep is allocated a certain amount, if you ring up at the end of the day, when all the money is gone, no discount, if the rep is having a bad day, no discount, if you ring early, and are very nice to the rep, you can get a good discount.

So call early, and be nice.

BTW - Cross 8 for 23k in a dodgy Sydney suburb, no mods yet, but they're cool with them, $792

[Jesterarts]

best you check your excess amount if you make a claim.
GIO charge $100 per mod on the excess

Yeah, the excess was a little high...

$1000! And $400 was simply because of the fact it was a HSV.

But I'm paying $1400 a year compared to the $2000 RACV wanted to charge me and the other insurance companies either refused to insure me being under 30 with a HSV or the excess was about $1200.

I checked all the other insurers but in my case, GIO was the best deal.

[DJR_VY]

just cars are pretty decent im very happy with them

[corsa_76]

Yeah have had a number of cars insured with shannons for the last 5 years but rang up to get a quote on an 08 hsv senator that is standard no mods an was told due to not having a locked garage that not a hope of insurance this was also the case with alianz with which I have my home and contents with. I live in a low risk suburb apparently but no go rang racv and bingo no worries so guess I might have to move all policy's over to them. Also 400 dollars cheaper then either mentioned above looking forward to multi policy discount should get up around 30% with all policy's:)

[kangavxss]

Update: Went to Budget online quoting and got premium for $485/year and no problem with mods as long as legal and excess was $300 for accident. So looks like I can now get those the new 19 inch wheels afterall and still be covered.

[Drewie]

Update: Went to Budget online quoting and got premium for $485/year and no problem with mods as long as legal and excess was $300 for accident. So looks like I can now get those the new 19 inch wheels afterall and still be covered.

Is that for Market Value or Agreed Value, seems very cheap for an SS.

[LS1FRK]

[quote=kangavxss;1919051]If I stick to hsv wheels which the insurer says are OK then I might go for VESSV for a good price at Wheelking for about the same as after market package. They advised they fit VX and supply all thats needed as here.../quote]

They might be genuine Holden, but I believe they require some re-drilling/machining which I doubt the insurance company would be keen on.

Try RACV - they will cover any modification that is roadworthy. Look carefully at the regulations around wheels and tyres, abide by them and be safe from the 5-0 as well.

[kangavxss]

Is that for Market Value or Agreed Value, seems very cheap for an SS.

It was for market value at $15,000. After complaining to Allianz who i am with at the moment about their stupid policy they said that they would investigate and may change their policy to allow 8 inch aftermarket wheels to be fitted. Their computer system says that all pre VE models can only have 7 inch wide wheels which is totally wrong. Wait and see what eventuates from my probing....

[kangavxss]

[quote=kangavxss;1919051]If I stick to hsv wheels which the insurer says are OK then I might go for VESSV for a good price at Wheelking for about the same as after market package. They advised they fit VX and supply all thats needed as here.../quote]

They might be genuine Holden, but I believe they require some re-drilling/machining which I doubt the insurance company would be keen on.

Try RACV - they will cover any modification that is roadworthy. Look carefully at the regulations around wheels and tyres, abide by them and be safe from the 5-0 as well.

Yeah Wheel king did say that they are modified wheels to suit pre VE...

[whitels1ss]

[quote=kangavxss;1919051]They might be genuine Holden, but I believe they require some re-drilling/machining which I doubt the insurance company would be keen on.


Yeah I reckon they would!
I know people reckon they are very safe......(and I reckon they look great), but that would put me off getting those wheels as well. :eyes:

[kangavxss]

Is that for Market Value or Agreed Value, seems very cheap for an SS.

Sorry the excess was $400.00...

[kangavxss]

[quote=LS1FRK;1919386]
Yeah I reckon they would!
I know people reckon they are very safe......(and I reckon they look great), but that would put me off getting those wheels as well. :eyes:

Well if my insurance company says OK then I wont get the Wheel King ones and go for the aftermarkets. Maybe these..
YouTube - ‪F1 Wheel & Tyre: HSV Clubsport rolling 22inch K10‬‏

[kangavxss]

But 20 inch...not 22's

[Hulkssv]

Update: Went to Budget online quoting and got premium for $485/year and no problem with mods as long as legal and excess was $300 for accident. So looks like I can now get those the new 19 inch wheels afterall and still be covered.

careful if your car is lowered, budget assessors are pricks with stuff like that.

im with NRMA, 2011 SS, 21 years old and its $920 a year, insured for 56k - about to change to agreed value when modding starts, up to 70k, premium will go up to 1200, but i work for them now, so i get 25% off :)

NRMA dont ask you to list mods either, so as long as they dont make your car illegal your all sweet.

[deano23x]

is nrma racv in victoria! just done a few online quotes and they were a joke! doesnt help being 24 with a 380rkw monster

[Hulkssv]

is nrma racv in victoria! just done a few online quotes and they were a joke! doesnt help being 24 with a 380rkw monster

i think you will also find its coz your car has 2 doors. the less doors the more insurance for some reason.. i used to have a bmw coupe, same car in a 4 door was half the price on insurance..

[kangavxss]

Update: Allianz folded to my request and has let me fit aftermarket rims after I told them their policy was too restrictive with wheel mods, plus no extra premium cost as a bonus. A step forward for car modifiers..........

[deano23x]

Update: Allianz folded to my request and has let me fit aftermarket rims after I told them their policy was too restrictive with wheel mods, plus no extra premium cost as a bonus. A step forward for car modifiers..........

great news, can you ask them about my cammed, blown and cooled monaro :headbang:

[kangavxss]

great news, can you ask them about my cammed, blown and cooled monaro :headbang:

Yeah sure. Just pass me a few bucks under the table... HAha

[Xjas]

+1 for GIO, VE SSV, no problems with basic mods, youngest listed driver is 26, price was less than Shannon even though Shannons quote was limited usage and the car had to be gararged. I cant work Shannons out, everyone seems to get these great deals, I have had two quotes with them and they were both more expensive with more restrictions than the other insurers.
Had one claim with GIO with my previous SS, they were good to deal with and choice of repairer.

[GKW]

+1 for NRMA (if in NSW). As long as the car is legal and can pass rego, they are cool with any mods. Even got a great NRMA gal on the phone one time when I rang up to advise of the OTR and full exhuast system, who actually knew what I was talking about and gave it the "green light".

[BLACK 346]

Anyone here the news this morning that Insurance is going up by 30 percent?
Apparently due the all the disasters. Not sure if it is true, but heard it on MMM on the way to work.

[kangavxss]

Gees if thats right then renew now if u can get a better deal..

[VXSS346]

Anyone here the news this morning that Insurance is going up by 30 percent?
Apparently due the all the disasters. Not sure if it is true, but heard it on MMM on the way to work.

Ahh, disasters, :lmao::lmao::lmao: floods, drought, tsunami, bushfires, earthquakes, .......carbon tax???? :bs:

When there are no disasters they go up anyway. :(

[Bevo]

Has anyone dealt with Real insurance? Was going to give them a try.

[kangavxss]

Tooo expensive

[Wonky]

Has anyone dealt with Real insurance? Was going to give them a try.

Most of the "newer" companies like that give you the flick as soon as you mention mods. :( Not sure if Real is like that but only one way to find out. :)

[Chris5.7ltr]

Word to the wise, a insurer is only as good as the way they handle there claims.
Cheaper premiums can work out to be a disaster if you are not careful so do your research!

Re Shannons, premiums are effected by mods but NOT by 10% at a time.
They have 3 level of mods for the modern stuff, but once you reach the highest mod list it's highly unlikely anything will change unless other things have been changed (like sum insured, change of driver age etc)

Premiums are judged on-
Age of youngest driver
Post code to where your vehicle is kept/garaged over night
Sum Insured
Type of vehicle (a new V8 Stato is cheaper to insure then a new SS)
Mods (if the insurer excepts them)
Plus a few other things.....


If you can, pay the local Shannons office a visit for a quote as face to face seems to work better.



BTW AAMI have never owned Shannons

[Hulkssv]

Has anyone dealt with Real insurance? Was going to give them a try.

yes have dealt with them, fine to deal with. however real insurance does all assessing via desktop, which alot of people dont like. they no longer have on road assessors pretty much, so they can miss a little bit of repair work if its well hidden...

[SS--SS]

I once had budget direct & when I got a catback exhaust fitted someone told me to just let the insurance company know.
So I did & they said they would ring me back, 15min later I got a call advising my issuance has been cancelled immediately !! Pain in the ass because for the next few years when getting insurance qoutes I had to advise that I had my insurance cancelled...

Couldn't believe it at the time,, now when I see their tv commercial it drives me round the bend

[Hulkssv]

I once had budget direct & when I got a catback exhaust fitted someone told me to just let the insurance company know.
So I did & they said they would ring me back, 15min later I got a call advising my issuance has been cancelled immediately !! Pain in the ass because for the next few years when getting insurance qoutes I had to advise that I had my insurance cancelled...

Couldn't believe it at the time,, now when I see their tv commercial it drives me round the bend

at least you found out when you did, i used to work alongside them, they denied someones claim because their car had a pod filter... adding a total of like 3 hp. they are morons.

[Wonky]

Looks like I'll be ringing GIO then

Careful!! :eek: Must admit when I had an at fault claim with them getting on for 20 years ago (stock car) all went very smoothly but I know someone with a car off the road after a bit of an excursion and GIO are stuffing him around no end!! :mad:

[Cmycv8]

GIO, avoid them like a girl with 11 fingers.

Freakin hopeless.

:flipoff:

[deano23x]

ooooo ok ok sorry, so i still need advise on a good place for a highly modded monaro and being 24!

[Cmycv8]

ooooo ok ok sorry, so i still need advise on a good place for a highly modded monaro and being 24!

GIO are fine just for the sheer love of god don't have an accident.

[AMADR8]

GIO are fine just for the sheer love of god don't have an accident.

i think you will find there will be some1 has had problems with every insurance company.

i had heard nothing but bad news about just cars but the picked my car up from my house on the monday and by the end of the day they confirmed it was a write off and they had the cash in my bank by the end ouf the week, i couldnt fault them 1 bit

[SS--SS]

I'm more worried now about an 11 fingered girl !

[deano23x]

GIO are fine just for the sheer love of god don't have an accident.

might ring for a quote then rich, how can i have a accident when i never drive the bloody thing :doh:

[RAWKUS]

i think you will find there will be some1 has had problems with every insurance company.

i had heard nothing but bad news about just cars but the picked my car up from my house on the monday and by the end of the day they confirmed it was a write off and they had the cash in my bank by the end ouf the week, i couldnt fault them 1 bit

Being an off shoot of AAMI I think you were one of the fortunate ones.
I had my work van written off on 3rd June and was only just advised last Thursday 7th July that a cheque was sent to the finance company to pay out the loan (after numerous phone calls wondering what the hell was going on; I wont begin to tell you how long I was on hold for...actually, yes I will: over 4 hours total). Agreed value was $9900 for a 2000 model Hiace. Can't buy one for that especially with the Telstra racking etc. Turns out the pricks only coughed up $4338.60 (????) and I'm expected to make up the rest of the $7746 payout figure! They suggest that because I took out "Gap insurance" when I purchased the vehicle I should make a claim for the difference. Why should I put the Gap Insurer through a claim because AAMI want to be tight arseholes. Not to mention I still have not yet received ANY written or verbal communciation from AAMI advising of the situation other than handballing around departments when I have phoned. It is now 12th July. I'm trying to run a business and without fail a minimum 1 hour wait time per call is expected. The "total loss" department only operates between 9-5. What's more the finance company (GE) who have actually been quite good about it wants to repossess the vehicle with costs accruing. As far as I'm concerned, if the vehicle value is higher than the payout figure, upon writing the vehicle off, the insurance company assumes ownership. Now my credit rating is at risk of default, because they havent fulfilled their obligation. I'm rambling now, but I am so pissed off with them. I have sent a firm email expressing my disgust at the handling of my claim and have not received a reply. Looks like I'm going to be on hold for a while again :mad: Next step is action to recover not only the outstanding amount, but my costs, including lost income potential, phone calls etc. I'll take these turds to VCAT or court if I have to. :flipoff: I've had enough.

[vx_clubby]

I have an insurance question for South Aust. Does anyone have a twin Turbo VT, VX or VY in South Australia? If so who are they with for insurance? Is the car fully covered?
Also is the car legal in SA?

Im looking at doing more mods with my car (Twin Turbo), Im with Shannons but they wont insure the mods I want unless its "legal" or just a show car only.
You can PM me a response if you would prefer!

cheers