Golf Mk6 Insurance

[Corey_R]

Ive got agreed value for the first 2 years of the car with AAMI, that value is the price i paid for the car,

If the car you're purchasing is brand new, then AAMI have to do that because they have a 'new for old' replacement. The car I was purchasing was 8 months old, with only 8k on the clock, and was literally a fully optioned MKV GTI (except for Metallic paint cause it was red). Even though I was getting a hefty discount because it was 8 months old, AAMI's maximum value for the car didn't cover it.

Insurance companies go through cycles of wanting customers and getting rid of customers (lol, seems a strange comment but it appears true if you've been around for long enough), so maybe I was calling during a time where they just didn't want my business, but yeah, that along with everything else I've mentioned, along with all the other negative comments about AAMI on this and other forums tells you it's not wise.

Plus, if you actually read their PDS there should be several things which jump out at you and say that you should be going elsewhere for a car as good as a VW

[Pauly]

coreying who do you personally use on your VW?

[Corey_R]

For the MKV GTI I was with Shannons cause I did the APR Stage II kit, as well as the Oettinger wheels and body kit. In addition, they were happy for me to take it to the track (and would even insure it on the track as long as I wasn't doing 'timed laps' - so advanced driving courses etc would be insured! lol).

I was very happy with Shannons service and stuff - although I didn't like the fact that you don't even have the OPTION for a hire car - and went my car was written off, I was without a car for a about 3 weeks whilst they were deciding to repair/write off and then until I received the cheque.

For the Polo GTI I'm with NRMA as they have a few more conveniences that Shannons don't (hire car etc) and since I wasn't intending to track or modify the car I decided that NRMA would be better (and multipolicy discount with my house etc made it even more attractive - although Shannons do insure houses now, and even have special 'motoring garage' features where they'll insure things like spare wheels, tyres, car tools, etc etc).

[AdamD]

For the MKV GTI I was with Shannons cause I did the APR Stage II kit, as well as the Oettinger wheels and body kit.

Just out of interest Corey, what did the APR do to your premium with Shannons? Did it increase substantially, or do they just assume if you're with them you're going to mod your car?

Do you have your flash for the Polo on your NRMA policy?

[Corey_R]

Just out of interest Corey, what did the APR do to your premium with Shannons? Did it increase substantially, or do they just assume if you're with them you're going to mod your car?

Do you have your flash for the Polo on your NRMA policy?

The APR ECU did nothing to the premium on Shannons. Increasing the 'agreed value' after getting the Stage II (which includes full exhaust etc) and Oettinger bodykit and wheels did increase the premium though, understandably.

As for the ECU with NRMA - to be honest, I'm really not sure on that one. I got a new car, apartment, job, girlfriend, two new computers, tv and receiver for my home theater, all within like two weeks - so that little detail of whether I've put the ECU on my NRMA policy has slipped my mind. I'll have to check it out again when its due for renewal in a few months

[elisiX]

I've always been with NRMA... never had an issue.

However I dont remember adding the details of the APR tune for my TT.

I have a feeling with the GTI/R I may not be able to go with NRMA due to the tuning.

I'm pretty sure I read or someone told me they wont cover you.

[iBoost]

NRMA is pretty anal with mods. I'd say they'll say no.

I'm probably going to go with Shannons. AAMI is cheaper but on a brand new car I think I'd pay a little more for the piece of mind.

[G-rig]

If an APR tune is undetectable from the dealer it may be undetectable to other people ^^.

[Corey_R]

Possibly... but if I didn't tell NRMA, that wouldn't have been my reason, it just would've been an oversight due to my life being so turbulent at that time.

[elisiX]

Are you planning on calling them to list the item Corey? Wouldnt mind knowing the outcome.

I could just call them I suppose.

[Corey_R]

Lol... How about you call them to enquire for a quote for you car 'soon to be delivered', and ask the question! Then post their response here.

Then I can figure out whether it's even worth calling them to say 'oh, btw, I had an ECU put onto my car and forgot to tell you, so can you please add it to my policy'. lol

I wasn't planning on calling them until my policy is due for renewal - that way I know what it's going to cost me for the next year, and I can have that as a reference for getting quotes from other insurance companies in the case that NRMA doesn't want to insure it due to the ECU.

[iBoost]

Just call them ask say you are thinking of changing the ecu or something to that effect and want to know if it will affect your premium. That's what I normally do and wait to see the outcome...

They can't pull the insurance rug out from underneath you that way and if they say no they won't insure it then you can go find someone more reasonable. Arguably if the car was involved in an accident they may not pay the cost due to the mod not being listed as you know, but they may also never even bother to look. It is probably the most stealth mod you could possibly do.

[elisiX]

Just insured the new GTI yesterday.

Both my girl and I are 28 with relatively perfect driving records (no claims either).

$1002 for market value.

I double checked and its new for old (2 years), regardless of options.

[AznGti]

Sigh. I wish i had read this thread earlier. I have my brand new gti insured to AAMi. Recently some stupid P plate driver reversed into my perfectly parked GTI when there was no car infront of her. How unlucky of me.
AAMI gave me a choice of getting a quote from VW or from a place that they choose. VW said the cost to fix was about $2000 since the front bumper had to be changed. Then i took it to the place AAMI chose, the price was off by $400. I really wanted to get it fixed from VW since im not paying for anything but AAMI insisted me to get it fixed by their chosen repairer.

Before i got my GTI insured with AAMI, i specifically asked them that if I had an accident can i choose my repairer, turns out its a big fat lie.
One thing for sure, after the contract is up definately not going to AAMI. But AAMI has really good customer service and really good price, but i just dont think it's the right company for a GTI.

[hooba]

No need to wait for the contract (policy) to be up, you can cancel it and walk away with a refund before then (but after they've adequately repaired the bumper). Have a read of the PDS, you should also be able to find the clause where they state that they choose the repairer.