Insurance

[Dave R32]

What are people doing for insurance for Octavia's. On the RACQ and AAMI websites they arent listed ?

Any help would be appreciated.

Cheers
Dave.

[DanSA]

Western QBE $630 pa fully comp, preferred drivers, new for old 4yrs.
SA

[mrx]

Western QBE $630 pa fully comp, preferred drivers, new for old 4yrs.
SA

Ditto, but mine's closer to $900pa with a $100 excess, for my suburb in Perth.

[gareth_oau]

Ditto, but mine's closer to $900pa with a $100 excess for my suburb in Perth.

Have you tried RACWA? Ive just insured a modded Audi S3 with them and was pleasantly surprised with the premium

[mrx]

Have you tried RACWA? Ive just insured a modded Audi S3 with them and was pleasantly surprised with the premium

That's who I'm leaving, they were substantially cheaper but can't do 4 years replacement value.

[gareth_oau]

That's who I'm leaving, they were substantially cheaper but can't do 4 years replacement value.

ah ok, mine's secondhand so the 4 yr replacement wasnt a consideration

[rym]

$615 with 2 years New for old replacement with RACV.

[Frufru]

Probably in a bad suburb

$634, RAC WA, new for old replacement - I think only for 12 months, live in a bad suburb I reckon.

[mrx]

$634, RAC WA, new for old replacement - I think only for 12 months, live in a bad suburb I reckon.

Sounds about right, I wanted 4 years peace of mind, that's why I went big bucks.

[Dave R32]

Thanks for the replies.

I have gone with RACQ.......approx $650 for a 43 yo in Brisbane.

QBE was $710.00

Shannons was $1146.00

Cheers
Dave.

[gareth_oau]

Thanks for the replies.

I have gone with RACQ.......approx $650 for a 43 yo in Brisbane.

QBE was $710.00

Shannons was $1146.00

Cheers
Dave.

WOW thats a huge difference between RACQ and Shannons. i wonder if the policies are directly comparable?

LOL, maybe Shannons charge so much, they just rely on suckers to keep them in business

[Dave R32]

To be fair to Shannons they do offer some features that RACQ dont......mods, choice of repairer, windscreen etc and if they were only a couple of hundred more expensive I would of gone with them. My R32 is insured with them.

Cheers
Dave.

[gregozedobe]

I insured my RS wagon with Allianz for $600 a year, but that is for two named drivers (50+) in ACT and an absolute bare bones policy (as cheap as possible).

Selling points for me were price, choice of repairer and new car replacement for the first 2 years. Hassles were getting factory Xenons included (not in their computer system as a factory option), and they wanted a really low agreed value (nothing like what a new one costs to buy).

I think Allianz only want the more (ahem) mature driver with an unblemished driving and claim record and living in a low risk suburb. If you don't meet those criteria some other insurer may be better.

[gareth_oau]

g'day greg.

relax, if the 'new for old' covers the first two years, then 'agreed value' is irrelevant.

you only need to focus on 'agreed value' once the 2 year period has expired

cheers!!

[gregozedobe]

I agree, that's why I thought it was a bit bizarre, insurers never want you to under-insure as it means less money for them, plus hassles if you ever make a claim.

I was thinking ahead to when the two year "new-for-old" period is finished. If the agreed value was too low beforehand it will probably be difficult to persuade them to suddenly increase it to what it should be after 2 years.