Insurance

[brad]

$537 for my 90 TSI with Suncorp which includes choice of repairer, loan car, replacement windscreen and new replacement of the car if it is written off for the life that I own the car. Standard $600 excess. In 10 years time with 400,000km on it a big gum tree had better fall on it, preferably when I'm not in it. In other words if I stick with a Golf I should never have to pay for a new car again.......

What does the fine print for the new car replacement say? I seem to recall with other insurers new car replacement that if the exact same model wasn't available then you got paid out at market value.

[Lemonskin]

$990 for comprehensive insurance with NRMA. That's for a brand new GTI, garaging in Cronulla, $650 excess, 28yo male with no incidents in 8 years. No windscreen replacement or car hire.

[VW Convert]

$990 for comprehensive insurance with NRMA. That's for a brand new GTI, garaging in Cronulla, $650 excess, 28yo male with no incidents in 8 years. No windscreen replacement or car hire.

What agreed value?

Cheers

George

[Lemonskin]

What agreed value?

Cheers

George

Firs two years, no agreed value as they just replace with a brand new car if it's written off in that period.

[vk6tnc]

I'm doing the insurance quote game at the moment too. Trying to compare apples and apples is not easy. The only point of interest was Allianz... $2000 excess if car is stolen without a vehicle tracking device fitted, too many factory accessories ( over $5000) fitted for an online quote ????

Golf GTI without Leather Seats with everything else...

[cox11]

I'm doing the insurance quote game at the moment too. Trying to compare apples and apples is not easy. The only point of interest was Allianz... $2000 excess if car is stolen without a vehicle tracking device fitted, too many factory accessories ( over $5000) fitted for an online quote ????

Golf GTI without Leather Seats with everything else...

I've been with Allianz for 4 years and have been very happy so I wanted to stay with them. They said the same thing, too many accessories for it to be insured. So I went to Vw insurance (agent for Allianz) they said the same thing.....wtf? I demanded to speak to their finance manager. He made it happen. Not the cheapest, but definitely the most comprehensive of covers. 3 year replacement at market value 1000/yr with $2k excess

[Dutch77]

Gotta wonder how Allianz would handle a GTI 'highline' with all the options fitted if it was actually released as a straight model.

The $2k theft excess thing forced me to look elsewhere. Not that I've ever had a car stolen. Maybe if they stopped covering the idiots in their tv adverts who spill paint on the floor, knock over fish tanks or park jet skis on their car roof and instead realised car enthusiasts are decent insurance risk they wouldn't need to go down this route.

[mp2811]

Just looked up AAMI $735 for 35 yo male in Rowville VIC for MK7 GTI PP. With $725 excess and hire car. Previously I had been quoted $1398 with CGU and almost $1500 with just cars.

[wasabiz]

I got mine with RAC

23yr old male
$580/yr
$600 excess
no windscreen cover
54k agreed value

[Mountainman]

What does the fine print for the new car replacement say? I seem to recall with other insurers new car replacement that if the exact same model wasn't available then you got paid out at market value.

Replacement with same or as close to same spec as possible. It's the base model golf manual with VW's 16" Toronto wheels off the Comfortline. I reckon VW will always be putting out a base model and I'll always have a range of VW wheels to choose from. Suncorp are the only ones doing it as far as I know and only with new cars. It only added $25 to my insurance quote. I was transferring from RACQ insurance. It will be interesting to see what the next renewal quote will be as to retain the deal I'm really locked into Suncorp. When I replace my 07 Forester XT with a Golf GTI I'm going to do the same deal. The base Golf is really for my wife.

[Dutch77]

The $2k theft excess thing forced me to look elsewhere.

Worth checking out SGIC for SA people these days.. if I'm willing to cop a higher excess ($800) then their policy comes in at the grand sum of $395. And that's still with no claim bonus protection, two years new replacement, and various other extras that a few other companies weren't offering. And most importantly it includes legal modifications - most others weren't providing cover locally apart from Shannons and limited with RAA.

Compared to the $750 odd from Allianz (and the $1k+ VW/Allianz dealer quote), the $1k RAA quote and the $1k CGU quote we have a winner.

[anduril]

Here are some comparison quotes that I've done on the Mk7 R (full options):

- NRMA (I've had roadside with them for 6 years now and prior car insurance was with them): $915
- AAMI (Current car insurer for 6 years): $1,250
- Allianz: $1,160
- Bingle: $1,550!!!
- Suncorp: $1,300
- youi: $789

All quotes are comprehensive on market value for 2 drivers (late 20's) listed, perfect driving history, and no extras (hired car, windscreen etc.), and youi's quote already includes hired car for a maximum of 14 days (on theft claims). Excess is $725

It's obviously worthwhile to shop around!!! Has anyone gotten anything better?

[Dutch77]

Here are some comparison quotes that I've done on the Mk7 R (full options):

..

It's obviously worthwhile to shop around!!! Has anyone gotten anything better?

As above, and Mk7 thread, $570 policy with $450 excess including options and any mods for an R.

My issue with the new sub brands like youi and Justcar is there insistence on using their repairers, as often this will not equate to where I'd want my car fixed, and with the right parts.

[2browndogs]

I got a quote from Bingle today - ~$590 - $650 excess - no extras - For a new Mk7 GTI Leather Sunroof.
Both drivers +40 good history - not garaged either, in Beaumaris Vic.

[Dutch77]

I think Bingle force you to use their repairers though? That's a big no-no as people have seen with other companies that do the same.

Their basic no mod policy is a killer too.