insurance who is getting a good deal?

[BMGTZ]

today I tried to get insurance for my daughter on the cc GSR she drives. i was some what surprised at the quotes i got.

when insured for "market value 6050.00" the prices varied from 1300.00 to 2540.00 for comprehensive insurance on a 30% no claim bonus. this was a bit of a shock as my gsr is insured at agreed value of 8500.00 and my premium is 324.00 for the year for comprehensive insurance she is 19 and has a clean driving record. Im 51 and have a.... well bit of a history lets say. now the insurance company i deal with knows all about my past offences and crashes,will add her as a driver to my policy for my car and then give the applicable age excess BUT will not actually issue her a policy for her own car. they say they dont insure drivers under 25 in turbo cars????

so now Im a bit confused about who to get the insurance with....

..who is getting a good deal and where.

 

[olly]

these days if you're under 21 and driving a turbo/modifed car you will be forking out alot of money for insurance.. i think only justcars will insure her

 

[marinetowing]

these days if you're under 21 and driving a turbo/modifed car you will be forking out alot of money for insurance.. i think only justcars will insure her

Think olly is on the money, quite hard to find cover at that age with a turboed car, justcars seem to offer cover for most younger drivers and vehicles...but think their premiums can be quite steep.

I am insured with shannons and get a great deal (and my gsr is inured for a rediculous agreed value) it may pay to talk to them, but your daughters age once again play a part in their answer.

 

[chris123]

I pay about 1100 through RAC insured for 11,200 and I'm 22. I think im on 50% ncb and havent had any claims

 

[miss evo]

Yeah I found it hard getting insurance for my WRX when I had it when I was 17.. Plus even when I got the evo... Probably the easiest place to get insurance through will be Just Cars, and they will charge a bit, the first year I had my evo it cost $3k for comprehensive- then I managed to get Shannons to insure it for under restoration and they quoted about the same for comprehensive when it returns to the road based on those details...

Now I get a multi policy discount cause of the ralliart colt but that still costs about $1100 a year...

 

[BMGTZ]

thanks for the replies I have tried justcars......"just tried to take her first born!!" I think he was confused about where i live so was covering his butt in the premium

Chris thanks mate....RAC was cheapest today as well.

 

[Entaran]

Try using a broker. Going direct to insurance companies generally gets you bitten on the arse.

With a stupidly modified VR4, agreed value at 18k, 22yo w/"clean" record (no suspensions/convictions) and Rating 3... Comp for me was 883 dollars with all the mods listed.

I rang justcars for the same thing and they quoted me like 2100. Brokers pay for themselves.

 

[ENGINR]

Who are you with Entaran?

 

[JAP63]

Mine
#Over 25 with clean history
# Evo III with, 19's, coilovers, exhaust.
#Premium $660, excess $1500 Agreed at 25K Value

I used the Just cars Adjust-Excess, and maxed it to $1500.

 

[Jonson]

No one would touch me with the VI And I'm 23. Like everyone ended up goin with JustCars, but when I'm old enough I will swap to Shannons. I'm paying $890 premium for Full Comp with a ridiculous excess and I'm rating one. Used the Ad-just thing too, other wise it was $2100 p/year.

 

[Dean]

Unfotunately you'll find high prices are pretty normal.
The prices of our cars is dropping rapidly, whereas insurance is rising.
I was quoted $2400 full comp, minor mods, clean record.
Thats a quarter of my cars worth (before mods). just doesnt pay to be under 21 and driving a turbo car.

 

[kessen]

man that sucks =\ i got quoted around those prices too

 

[olly]

i'd prefer going 3rd party anyway, just make sure when you do get full comp you know all the details. eg. who's the repairer, do you get to choose your own.

i know with just cars they use there own but with shannons you get to choose your repairer.

 

[lefty]

I paid like $440 for 3rd party, I probably should look into full comp if some of you guys are getting it for $800-$900.

 

[tenji]

im paying 900p.a full comp insured for 35k and all mods 900 excess & 300 excess for my wheels. rofl.

 

[kessen]

im paying 900p.a full comp insured for 35k and all mods 900 excess & 300 excess for my wheels. rofl.

who are you with?

 

[mattrat]

350 thrid party prop + fire n theft

 

[Dean]

350 thrid party prop + fire n theft

wow,
thats great.
I pay $550 for the exact same thing, only insured for 10grand too
Just Car? Just ISNT!! GRR

 

[TMAK]

I will be paying $550 for full comp and agreed value of $6.5k with Shannons.. 400 excess. But I am 27.
Currently paying $12 a month until it's on the road.

 

[milkandoj]

Im with just car.
1200 for my vr4 full comp. 11K agreed value. Unlimited mods allowewd as long as you declare them. But ive heard they are ass holes when i comes to claims if you havent declared istuff or are illegal.

And you can add varying levles to you excess to drop the premium. I added 1100 and it drops my premium 400 to 800 a yr.
Miind you my excess is like 2200, normal excess, age excess then the extra 1100!

Im 20. and lost my licence for hoon 3 yrs ago, but it didint raise the premium as it was for excessive noise, a petty charge, not wreckless or pissy driving.

wow,
thats great.
I pay $550 for the exact same thing, only insured for 10grand too
Just Car? Just ISNT!! GRR

3rd party, with fire and theft was 550 for me to. so for 800 i have full comprehensve.... even if my premium is 2200.....