Which Insurance company are you with?

[SuperHans]

anyone with RACQ? any good?

[brimway]

anyone with RACQ? any good?

I don't know if it is a good deal or not, but I pay $587 with RACQ for MK V GTI (rating1 for life, multiple cars and gold membership) after telling them at renewal about mods, exhaust, 18'wheels RNS510 premium increased by $9.80 per year. I have windscreen included in the deal. I can't comment on their claims process cause I have not have not made a claim and hope never to.

[aVex]

I got a quote from RACV for my yet to arrive GTI, seems to be more expensive than most people here. I added an additional year to my age to see if next year I'll end up paying less, but the premiums remain the same How come other states are so much cheaper.

$1100, $750 Excess, 29 Years.

[Ideo]

$1200 for me with NRMA. 26, 3 points, no claim ever.

Shannons, who I am currently with, wanted... $2900

[pumped]

Allianz for me, Golf R with a few extras
24 yr old $920 Includes Windscreen

Anyone who wants advice
Go with a reputable insurer and someone who does not only insure direct online
One of the best deciders for an insurance company can be wait time & claims handling staff
It may even be worthwhile to call the claims department before you even go with the company and see how long they take
Generally they answer the phone alot faster for new business than claims
I sell insurance company for a living and cringe when people change their policy to go with an online only insurer because
its "half the price".. Its like everything, you get what you pay for

[markwid]

For various cars in the last 10 years, we have been using Allianz for comprehensive insurance. Each year when renewal hits, we check for prices from others. Usually Allianz is lowest or just slightly worse. So we stick with them.

And for claims, they have been good to deal with. Thankfully, we have only claimed where others are at fault.

[HPSOV]

Allianz for me, Golf R with a few extras
24 yr old $920 Includes Windscreen

What agreed value? What excess?
I am paying $1300 through NRMA and did a quote with Allianz and it was $1200 with an agreed value of $52000 (the highest it would go, I would have liked to insure for more given the options I have) and $550 excess. 30yo with no accidents.
I suspect the suburb you live in must play a huge part in your premium.

[Ideo]

Allianz for me, Golf R with a few extras
24 yr old $920 Includes Windscreen

How? I get a message saying they can't insure me at 26 because of my age and type of vehicle?

[stucam]

How? I get a message saying they can't insure me at 26 because of my age and type of vehicle?

Ah, and who ever said being middle aged was a drag!

[dave_r]

I am paying $1300 through NRMA and did a quote with Allianz and it was $1200 with an agreed value of $52000 (the highest it would go, I would have liked to insure for more given the options I have) and $550 excess. 30yo with no accidents.
I suspect the suburb you live in must play a huge part in your premium.

Probably put the info earlier in the thread but I'm around $1200-1300 premium with ~$800 excess as GIO as an extra one for the car type. Same age with good history. Clincher was they let me have a 66k agreed value with windscreen replacement.

I've rang them a few times to confirm flash tune and track days and you get through to someone almost immediately which is great

[pumped]

What agreed value? What excess?
I am paying $1300 through NRMA and did a quote with Allianz and it was $1200 with an agreed value of $52000 (the highest it would go, I would have liked to insure for more given the options I have) and $550 excess. 30yo with no accidents.
I suspect the suburb you live in must play a huge part in your premium.

Agreed for $49,000
Which is a bit low but it does come with the new vehicle replacement cover for 2 years
$500 excess (+ age excess which you cant avoid)
Suburb plays a huge part in the premium, Im in Newcastle so the rates are alot less than sydney
Its covered under a Commercial Motor policy also which helps avoid any age problems
Premium will drop significantly when i hit 25 also

[dave_r]

Which is a bit low but it does come with the new vehicle replacement cover for 2 years

You might be in for a nasty surprise regarding that policy! Read up on the fine print.

GIO states that if they cannot replace the car in 90 days, you'll get paid market value or agreed value if specified. For the R, their market value was below 55k despite the car costing way more so I paid an extra $50 for the higher agreed value just in case.

[Big Yellow]

also in for a surprise if you think premiums drop significantly when you turn 25! the only thing you can save on is the age access so therefore take on a larger excess to reduce premiums. but its SFA anyway. (based on my experience with my r32 with racv)

[pumped]

I know the wording pretty well
and i know my premium will drop around $200 by being over 25
I am an Insurance Broker so i have access to the Allianz quoting system & various other insurers so i can fiddle with things a bit to get myself the best price
Can also access discounts and reductions not normally available

[7R]

Just getting quotes - Golf GTI, 49k value, both drivers over 40. Clean driving, clean livin etc... $1100 with full NCD and house, contents and current green slip. One word for the wise - compliance. Just because the insurer says yes to mods as long as they are roadworthy doesnt mean they are. You need to check with RTA in NSW as to whether CAI, tune etc are legal. I had an over the radiator CAI in my V8 and it was not deemed roadworthy... if stopped by the cops I would have been defected off the road by virtue of my CAI. Just because something is being sold, advertised and used widely doesnt mean it retains the car's roadworthiness. This is the loophole most insurers will void your claim through - much the same as the manufacturers warranty.

Until someone on the forum gets their mods engineer certified and then signed off by the RTA it is entirely plausible that the car could be deemed unroadworthy for something as simple as a CAI or tune.