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Which Insurance company are you with?

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  • #46
    Originally posted by MurphyTheElf View Post
    I've been calling around getting quotes today. I have a cover note from QBE while I shop around. I tried RAC (WA), QBE, Shannons and the Volkswagen dealer's insurance. They are all competitive with each other with some differences..
    Hi Murph, Sorry to be the one to break this to you but it all maybe a wasted exercise. Not a lot of people in Australia are entirely aware that all insurers in Australia are run by or underwritten by 2 main organisations AIG being the majority holder of most insurance companies in Australia. They may list themsleves as seperate identities but they are all under the one umbrella, this is why our insurance premiums keep going up and all of them appear to be the same.

    When you have a monopoly you can charge what you like without concequence.

    The only win you will have is the minute detail, windscreen, hire car etc.

    Good luck

    Comment


    • #47
      Originally posted by MurphyTheElf View Post
      It's a very strange condition. Some prick steals your car - no worries - have a hire car! The same moron steals someone else's car and drives it into your front quarter panel at 60k's - bad luck, you're on your own.
      Which do you think is more likely to happen? Your car being stolen OR your car being in an accident requiring repair? The answer is obvious and its why the insurance companies give a hire car for one and not the other

      You match what you need with the company. I dont need a hire car if my car needs repair... BUT Shannons doesn't charge a premium to pay by the month. Most other companies do.

      I just read NRMA's site: If your vehicle is stolen, or damaged as a result of theft or attempted theft, we help to keep you on the road. We will refund you the cost of a hire car for up to 21 days.

      That doesn't suggest that you get a hire car for accidental damage.

      Comment


      • #48
        Originally posted by Skoda Convert View Post
        Hi Murph, Sorry to be the one to break this to you but it all maybe a wasted exercise. Not a lot of people in Australia are entirely aware that all insurers in Australia are run by or underwritten by 2 main organisations AIG being the majority holder of most insurance companies in Australia. They may list themsleves as seperate identities but they are all under the one umbrella, this is why our insurance premiums keep going up and all of them appear to be the same.

        When you have a monopoly you can charge what you like without concequence.

        The only win you will have is the minute detail, windscreen, hire car etc.

        Good luck
        AIG doesnt underwrite MV insurance in Australia

        I think you mean IAG - CGU, NRMA, SGIO, RACV. I think you will find these companies are run independentley, with NRMA, SGIO and RACV servicing different areas and CGU being the commercial arm

        The other main one is Suncorp Group - Suncorp, VERO, GIO, AAMI, Just car - again these are run independentley and premiums between their brands will differ. They dont compete with each other though following recent mergers will likely intergrate.

        QBE is completley seperate

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        • #49
          Quotes so far for myself and my girl on a new GTI at ~$1300.

          Both 27 rating 1 living in medium risk suburb in Sydney.
          2019 BMW M3 CS

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          • #50
            I just renewed my MKV with ammi for 770 with some listed mods (ECU, suspension, zorst), 25 (soon to be 26) carport, rating one but recent loss of licence.

            Amazingly my premium went down from last year.. Go figure.

            Only issue is no choice of repair, but if anything happened I'd be selling the car anyway

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            • #51
              quite like shannons purely for tge reason that they are quite lenient with modifications and cover track days. They have good customer service in my opinion and were competivley priced.
              "I just want to make it that little bit better, and little bit more unique."

              Comment


              • #52
                my 2psi

                JustCar/AAMI cover you for modifications to you're vehicle such as chip tuning, turbo upgrade, brake upgrade, body kit, exhaust, stereo etc.

                NRMA will void your coverages if the assesor deems your car modified. The PDS will tell you what they cover regarding wheels etc but to be quite honest its very minimal. So from experience over the years i would keep clear of NRMA if you intend to heavily modify your car.

                If you intend just suspension, tints, towbar, sunroof and alloys go for it.

                For my with the mk4, the porsche brakes, coilovers, chip, turbo, r32 bumpers etc is all covered as NRMA will not touched a chip-tuned car regardless of what they say. Deal with them everyday and know a lot of the assesors so be careful!

                Regarding car hire.

                Car hire is for 2 weeks max, after the 2 weeks with Thrifty its $32.50-42.50 dependant on car you chose (from getz [ecmr class] to falcon say [fcar class]) and the $9.90 liability drop from $550 to $110 (based on choice of if you take this).

                For Hertz its the same sort of deal but with both Thrifty & Hertz through NRMA[CGU] you have to leave a $400 bond. And to be honest guys most cars in any damages usually take over 2 weeks to repair regardless so you're better borrowing a car of someone.

                It's a handy thing to have but after spending 4 years with Thrifty i can say it doesn't benefit people that much.

                Shannons require you to park the vehicle in a garage at your personal residence which for some people in the city isn't feesible which is the only downfall with them.

                I got quoted $1400 for a mk6 gti (with modifications) through Just Car (age;2.

                Choice of repairers regardless of what they say is up to the customer by law. ** However say you take it to a non approved repairer they will just not give you the lifetime guarantee they offer with they're own. Although if you know your repairer well such as my friends from Jade Auto Repair Centre they will look after you and make sure you're car is 100% regardless.

                Shannons are probably the best to what they cover and who they will let you use to be quite honest, however they are Exxy..

                Just spool for thought..
                What’s behind you doesn’t matter..

                Comment


                • #53
                  I've personally found Shannons to be just as good value as Aami.
                  However, AAMI and Justcar have refused to cover me and several of my friends with European cars for anywhere near the actual purchase price of the cars. Hell, when I tried to get a quote for a Mini Cooper S, the maximum they allowed was lower than the purchase of the base model without any options (not even metallic paint!). I'm not sure why you'd want to get insurance for only part of you car

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                  • #54
                    Golf Mk6 best insurance quotes ?

                    Need to take out insurance in Victoria.. any good quotes out there for a 118TSI DSG ?

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                    • #55
                      These thread s are always silly - too many variable - post code, age, driving record, car, garage or not, etc, etc, etc, make comparisons almost meaningless.

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                      • #56
                        You are probably right.. but even with one driver such as myself, getting quotes from different people, I find huge differences between the quotes.

                        For my 118TSI I whipped up 3 quick quotes:

                        Bingle - $1073
                        Youi - $1046
                        AAMI - $586 !


                        (I'm rating 1, over 30, no criminal record )

                        Comment


                        • #57
                          Originally posted by JonoB View Post
                          You are probably right.. but even with one driver such as myself, getting quotes from different people, I find huge differences between the quotes.

                          For my 118TSI I whipped up 3 quick quotes:

                          Bingle - $1073
                          Youi - $1046
                          AAMI - $586 !


                          (I'm rating 1, over 30, no criminal record )
                          Haven't you answered your question then?

                          Comment


                          • #58


                            answered many times
                            2018 Skoda Superb TDI
                            2010 Skoda Superb TDI
                            2009 Golf VI 118 TSI
                            2006 Multivan TDI SOLD
                            sigpic

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                            • #59
                              Originally posted by coastie View Post
                              Go with AAMI, seems awfully cheap though

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                              • #60
                                Originally posted by pologti18t View Post
                                Haven't you answered your question then?
                                Yep.. was on the phone hours to get those quotes, so thought I'd ask people for their suggestions but AAMI was a clear winner.

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