Which Insurance company are you with?

[JohnA]

Hey guys. Here is something else to consider.

AAMI, as well as having a really bad reputation from customers for their repairs, and even from the repairers industry for which repairers AAMI uses, but AAMI won't insure modified cars. This means ECU updates etc.

NRMA on the other hand, are fine with modified cars (this surprised me, but it's true). As long as the RTA etc would pass the car for inspection, then NRMA are happy with it. I assume this would be the case in VIC and in QLD too.

Just something to think about, for when you do your ECU trial and decide you must have it

they must have changed their terms then.
I had my modded WRX insured with them, with all mods listed and they were fine with them.
May pay to ask if considering them.
Maybe age comes into play here also?

[emuexport]

Having a look through the other threads is there a reason why people dont go with VW insurance (aka alliance)?

I got quoted $790 per year with $350 excess for a MY10 118 TSI (by VW Australia)

Seems like a good deal! Will have to shop around some more by the looks of it!

[Mk6 GTI]

Having a look through the other threads is there a reason why people dont go with VW insurance (aka alliance)?

I got quoted $790 per year with $350 excess for a MY10 118 TSI (by VW Australia)

Seems like a good deal! Will have to shop around some more by the looks of it!

where can i get a quote? Through the dealer?

So far the cheapest i have is NRMA at $600 excess and $1700 premium..
I have tried allianz, gio, ammi,nrma..

im 25.. so i guess thats a factor! But thats the cheapest ive got so far..

[Maverick]

where can i get a quote? Through the dealer?

So far the cheapest i have is NRMA at $600 excess and $1700 premium..
I have tried allianz, gio, ammi,nrma..

im 25.. so i guess thats a factor! But thats the cheapest ive got so far..

If you buy on price you deserve everything that occurs when you make a claim. You clearly didn't buy your car on price so why buy your insurance on price?

[Maverick]

A quick quote on their website showed they have no issues with ECU upgrades

Is there a check box where you can select ECU upgrades?

[emuexport]

Yeah mate through the VW Business Manager.

I'm over 30 now so finally out of that 30 and under bracket.

I'm steering clear of AAMI even if it costs me a bit more. When I was the claimant getting my Motorbike fixed wasnt a problem but they struggled to agree to replace all my protective gear which was over $2k. Tried to tell me that it was 2nd hand as I was wearing it and would only give me 50% of the original price even if it was only used once. Eventually they came through but I couldnt ride my bike even though it was repaired within a month. Took 3 months to get a cheque for my gear.

[hcvo1]

Yeah mate through the VW Business Manager.

I'm over 30 now so finally out of that 30 and under bracket.

I'm steering clear of AAMI even if it costs me a bit more. When I was the claimant getting my Motorbike fixed wasnt a problem but they struggled to agree to replace all my protective gear which was over $2k. Tried to tell me that it was 2nd hand as I was wearing it and would only give me 50% of the original price even if it was only used once. Eventually they came through but I couldnt ride my bike even though it was repaired within a month. Took 3 months to get a cheque for my gear.

Lucky you're with AAMI?

[emuexport]

If you buy on price you deserve everything that occurs when you make a claim. You clearly didn't buy your car on price so why buy your insurance on price?

So the VW Insurance is no good? Looks like good coverage to me compared to other insurers.

[Mk6 GTI]

If you buy on price you deserve everything that occurs when you make a claim. You clearly didn't buy your car on price so why buy your insurance on price?

Well i think NRMA is a safe bet.. i will most likely go with them irrespective to be honest! hehe

But i want to check out all of my options anyway

[hcvo1]

Well i think NRMA is a safe bet.. i will most likely go with them irrespective to be honest! hehe

But i want to check out all of my options anyway

Tried to do an online quote with RACV (Vic's version of NRMA) and they don't have the MkVI Golf GTI as an option only the MkV... while AAMI does...

[Corey_R]

So give them a call?
Hardly a reason to use AAMI

[Corey_R]

they must have changed their terms then.
I had my modded WRX insured with them, with all mods listed and they were fine with them.
May pay to ask if considering them.
Maybe age comes into play here also?

I used to be with AAMI before switching to VW. Firstly AAMI didn't want to insure me cause I wasn't 30. Then as soon as I mentioned mods they wanted to send me to Justcar. Also, I had a fairly decently optioned MKV, and AAMI wouldn't insure it for the full purchase price! WTF! Their upper limits didn't stretch as far as the options.

It made it pretty easy to switch insurers really. Combined with the fact that although you CAN pick your choice of insurer with AAMI, the only reason I had been able to do that in both occasions where I previously had to have a car repaired was the fact that AAMI's authorised repairs are SO F%#KING DODGY that both times I was able to pick their quotes to pieces in front of the AAMI accessor so that they had no choice but to award it to my chosen repairer (NRMA and GIO authorised, but not AAMI authorised, btw).

That's really not a risk I would want to take with a great car like a VW, and therefore I don't deal with AAMI anymore.

[hcvo1]

So give them a call?
Hardly a reason to use AAMI

Yeah I have been with AAMI for the last 7 years, no accidents, knock on wood... but have emailed RACV, been 2 days still awaiting a reply... might have to call them

[Maverick]

Hey guys. Here is something else to consider.

AAMI, as well as having a really bad reputation from customers for their repairs, and even from the repairers industry for which repairers AAMI uses

This is my last AAMI repair, only the names of the AAMI managers have been changed to protect the useless. My previous claims were not much different. And this isn't the fully story as it dragged out a bit longer. Low speed impact from an angle hit from behind, corner of the rear bumper caved in and some damage to the panel behind the bumper. They ended up replacing the rear quarter panel (subaru outback h6 luxury) as it was damaged behind the bumper but they didn't quote on that.

26/10/2006 drop car off
08/11/2006 pick car up
-Rear bumper refitted as wasn't lined up (3cms out in areas) - around 2 hours waiting whilst they used cutting tools to remove parts of bumper brackets and more (painful to watch)
-Pointed out difference in colour compared to car
-Pointed out rubber trim on rear passenger door was not sitting right, told that the rubber trim had shrunk when off the car

09/11/2006

-Noticed rear door would not close properly
-Noticed that rear window was sticking out
-Overspray over whole car including windows
-Marks (including fingerprints) inside around where trim was removed

Arranged with Vulture Street to drop car in on the 13th.

13/11/2006 9am to 4pm

-Rear door was fixed (still not quite right)
-Rear window refitted, better but still too far out. Window installer claims that window has bowed after removal and the only way to fix was replacement.

Went straight to AAMI fairfield to discuss

13/11/2006 4:45pm

-Visited AAMI Fairfield and assessor looked at the car
-Discussed rear window as main issue and assessor agreed to order in a new window to fit if required and to allow a week. Organised the day of the 23/11/2006 to drop the car in and they would have a window installer come to remove the window and then look at the issue there.

13/11/2006 6:00pm

-Rear door trim on passenger door is hitting the front door
-Numerous marks on window trim
-Black marks on seatbelt (Cleaned off)

Thursday 23/11/2006 8:00am to 4:00pm

-Dropped in to have window fitted and raised other issues
-Vulture Street picked up the car and returned in the afternoon
-Looked at car with assessor, he arranged for manager B**** W****** to come out.

-Rear window still not fitted correctly
Discussed with manager who was not aware that the rear panel had been replaced and did not know why the window was not ordered but said that the window should not have been ordered. Manager claimed that the window must have been like this from day 1 and that the window doesn't bow after removal.

Pointed out that the car was not like this before the accident and that I had owned this from new and it was not like this when I picked up the car. If the glass has bowed after being removed it wasn't my problem, I expect the car to be in the same condition when I pick it up as when I dropped it off. The accident was not my fault and I will not accept the car back with was is in my view a major defect. If the glass bowed after removal then the other insurance company should be picking up the bill. If there is another problem then again this should be repaired.

Manager said why should they put a new glass in if the fault is in the old glass, went around in circles.

I said again that I don't care what has occurred, if the glass bowed after it was removed it should be replaced.

He Agreed to organise another glass to compare with this one and have the car measured to see where the problem is.

-Pointed out overspray on hatch on top left hand side. Agreed that to fix this.
-Pointed out that the trim was still hitting the front door. Agreed that the plastic panel has been damaged in removal and would replace it and the rubber trim.

Went over the numerous other defects and the number of times I had returned the car and time spent running around.

November 28-December 1 - attempted to contact B**** W****** on mobile number given, kept going to message bank. Requested a call back to arrange time.

December 7 got in contact with B**** W***** who had been on holidays.
Too late to organise anything as I was going on Leave on the 14th and he suggested leaving until the New Year. Told him I would call back in January when I was back at work.

Issues to resolve (as discussed with B***** W*****)

-Missing round plastic protectors where rubbers contact the paint on left hand side where the hatch closes and the left hand door.
-Overspray on door sill between front and rear doors.
-Marks still around trim on inside from removal of trim.
-Rear window not fitted correctly
-Gap on trim on top of window twice as large on the passenger side and trim has been bent.
-Gap around the hatch on the passenger side is 50% bigger than the gap on the driver's side.
-Gap inside the car between the rear window and the inside trim is double or more in areas over the driver's side.
-Rear bumper has a rattle when tapped from the underside at the rear.
-Rear passenger door trim and rubber to be replaced.
-Overspray on all panels in particular horizontal surfaces and the rear panel on the driver's side (areas that are have had tape on there are clearly visible)
-Overspray on the rear drivers side tail lamp.

January 22nd 8:15am
Spoke to G**** N***** when dropping car off
Gave him a list of the issues (above) and went over each one with him.
He again didn't have details of the replacement panel and only had the original quote.
Told him that I wanted it back in the same condition that it was dropped in. He was to call me back.

January 24th 2:10pm (1:52m)
Rang G**** N***** left message

January 24th 2:54pm (9:39m)
Rang G***** N******
He said he has seen the car and everything looks ok, the repairer has not taken out the window yet and was reluctant to do so.
The repairer claimed they had a window there last time to check but he couldn't confirm this (this is different to what B**** W***** told me when he said that no window was ordered last time).
I asked if there was a window ordered because B**** W***** told me he would arrange one but there wasn't one.
Told him again that the car was not like this, it's a clearly visible defect in the repair and it was not there.
Mentioned that I am particular about these things and it has never been like this. I also mentioned that I spent about 2 hours with the car before I picked it up waiting on finance company paperwork and went over the car looking at defects.
G*** seems to think that all they can do is to try and fit the window again without the sealer, I told him that I don't want the car back unless the glass is flush and the car back to how it was including gaps around panels (which are way off).
I said I don't have any faith in this repairer as it has been one stuff up after another and if need be AAMI can send it to another repairer.
Again said that I don't want the car back tomorrow unless the window is fitted correctly.
G*** said he would call me on Thursday to tell me what is happening.

January 25th
Picked up the car, the window is now fitting correctly after they removed all the layers of urethane? they use to bond the window. Each time they took it out they added a new layer hence the height and apparantly this is normal???

New and existing problems at pickup

-Installer scratched the window tint on the window in 5-6 places, I have to organise to get it retinted and claim it back from AAMI.
-Black fingerprints under stick on decals to protect the paint from the rubber stoppers on the hatch.
-Still marks inside on trim.
-Still some overspra
-Trim rubbers not replaced

And it continued on.......................

[Maverick]

So the VW Insurance is no good? Looks like good coverage to me compared to other insurers.

There is probably nothing wrong with it, what I'm saying is that if you look at the dollars and make your choice based on them alone you will end up being screwed in a big way.