G-8VXWWTRHPN Insurance - VWWatercooled Australia

Announcement

Collapse
1 of 2 < >

Email Notifications Failing (mostly Telstra)

Hello everyone. Seems there is an issue with Telstra (possible others) blocking email from our server. If you are trying to sign up I would suggest a different email if possible. If you're trying to reset your password and it fails please use the Contact Us page:
2 of 2 < >

Welcome to the new look VWWatercooled

After much work and little sleep there is a new version of the forums running on more powerful and recent hardware as well as an upgraded software platform.

Things are mostly the same, but some things are a little different. We will be learning together, so please post questions (and answers if you've worked things out) in the help thread.

The new forum software is an upgraded version of what came before, it's mostly the same but also a little different. Hopefully easier to use and more stable than before. We are learning together here, so please be patient. If you have questions, please post them here. If you have worked something out and can provide an answer,
See more
See less

Insurance

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

  • #61
    Originally posted by irossiter View Post
    Yeah it does seem to be a pretty reasonable package deal. They have a similar package to the Merc insurance with the A class. They were very good to deal with. Not that I've claimed though! Still need to beat VW down on extra 2 yrs warranty. They want $2300 from memory.
    As per earlier in this thread the VW policy is underwritten by Allianz and can be obtained for much less by organising it yourself. However either way they try and hit you for the $2k theft excess unless fitted with a tracking device - I didn't bother continuing with them. If someone wants the car it's easy enough to steal for those that know what they're doing and I'd rather keep my $2k.

    I wouldn't bother with the extended warranty. It's just an insurance policy to bump up profits for Allianz and another good commission earner for the dealer. Some people have had wins on them, but being an insurance policy and not genuine warranty it's designed for the house to win, and plenty of people have had wins outside warranty period for the big ticket items in any case via goodwill gesture from VW.

    Given Allianz in SA refuse to insure modified vehicles (although some interstate people have managed this) I dare say they'd walk if you tried touching your car as well - a lot quicker than VW ever will.

    The best pricing seems to be by the ex government insurers - NRMA, SGIC AND SGIO (Insurance Australia) and Suncorp - with very cheap premiums, full coverage, choice of repairer and modifications allowed = win. Always worth checking at renewal time as what's good this year may not be good next year.

    --- FS: 2016 Golf GTI 40 years, white, DSG, 18,xxxkm -------------------------------------------------------------------
    2019 Audi SQ5 | 2016 Golf GTI CS + OZ UL HLTs | Retired: 2018 Audi RS3 sportback + OZ Leggera HLTs
    2017 Golf R Wolfsburg Sportwagen | 2016 BMW 340i + M-Performance tune/exhaust | 2015 Audi S3 sedan
    2014 Golf GTI + OZ Leggera HLTs | 2012 Polo 77TSI (hers) | 2010 Golf GTI Stage 2 + OZ ST LMs

    Comment


    • #62
      Very good advice. Thanks.


      Sent from my iPad using Tapatalk
      2010 Mk VI GTI-Red/Manual/Detroits/Park assist/Leather/MDI/Sunroof/Bi-Xenons/Chassis Control/Elec Driver's seat/5 Door/Tint
      2009 Triumph Street Triple R Matte Blazing Orange
      1971 Mini Clubman GT

      Comment


      • #63
        Yet to pick up my Golf R, but I have got some quotes:

        VIC West Suburbs, 36 Male, Rating 1, $60k insured

        Woolies = $1126 (excluding the $100 Gift Card Offer), excess $700
        Coles = $955, excess $800 <----- Will probably ask them to beat the lowest quote
        AAMI = $934.52, excess $720
        RACV = $757.96, excess $625
        GIO = $1005.41, excess $650
        Budget Direct = $1422, excess $700
        Just Cars = $1450+
        Compare The Market = rubbish
        YOUI = wanted to call me with their sales tactics (from past experience), so did not bother.

        Clear winner is RACV. But with Coles, they have a Price Beat Policy - but not sure on the "saving".

        Once I get a confirmed delivery time for the Golf R, I will then take out my insurance policy.

        Edit: 1 more quote just done:
        Allianz = $813.38, excess $850
        Last edited by siu_loong_bao; 25-06-2014, 08:51 AM. Reason: additional quote

        Comment


        • #64
          Originally posted by irossiter View Post
          That's VERY interesting. Thanks boardie. The quote I was given was also with a quote for VW finance. I'm not picking up the GTI for a couple of weeks most likely while I try to sell my Merc privately. I'm even looking at insurance with them so they'll have to do better.


          Sent from my iPad using Tapatalk

          Just double checked the contract of sale, it was $1850 for the two years. I did my deal thru Barloworld Mascot, Sydney.

          Comment


          • #65
            I've asked them to do better than the $2450 for 2 yrs and haven't heard back!


            Sent from my iPhone using Tapatalk
            2010 Mk VI GTI-Red/Manual/Detroits/Park assist/Leather/MDI/Sunroof/Bi-Xenons/Chassis Control/Elec Driver's seat/5 Door/Tint
            2009 Triumph Street Triple R Matte Blazing Orange
            1971 Mini Clubman GT

            Comment


            • #66
              I just received my insurance renewal for my 2009 Golf Diesel GT insured for $25,500 cost $933 its with GIO
              So I went on line and GIO had a 20% discount going to attract new customers So after a heap of questions I got it for $700,77c
              a saving of over $230 so always check if you are a new customer or an old one ?

              Comment


              • #67
                Originally posted by boardie_19 View Post
                'DeboDasAuto',

                This seems like a fantastic rate for full comprehensive car insurance.

                Question: were you previously insured for another vehicle with NRMA and traded in the vehicle? This figure sounds like a changeover figure. Its called a 'change of vehicle' where you change the vehicle on your policy a mid point (12 month contract). You then pay a pro-rata amount to cover the new risk (vehicle).
                NRMA did this to me a few years ago. Initial rate was fantastic but was followed up the next year by a huge increases. I just went back to my old insurer, RACQ, and picked up the $50 deal NRMA were offering at the time if they couldn't (or wouldn't) match the quote from your original insurer.
                Nov '15 Polo 81TSI manual white

                Comment


                • #68
                  I wanted to post some quick thoughts:

                  1. Do you want to choose your own repairer?
                  Suncorp have purchased 'SMART' repairers and will attempt to channel you to that repairer (That also goes for AAMI and any of the insurance companies Suncorp owns). The concept is great and what they sell to clients. Unfortunately in delivery SMART = crap work at absolute lowest $. A business with a rep for causing as much damage as they fix.

                  AAMI used to allow me to choose my repairer but now I have to do the running around myself and push quite firmly. In the end they look at your quotes and compare to one from their repairer. Lowest cost wins. Even with not at fault claims.

                  I have a small claim going with AAMI now and will be cancelling once it is resolved so I need to find who lets me choose repairer and who will give flexibility to vehicle changes later (eg exhaust or ECU alterations).

                  Any advice??

                  Shannons, GIO (I think) and Suncorp (I think) will allow you to choose your repairer and I'm quite certain they charge higher premium for it. Some BS about greater risk.... but it's purely about them vertically integrating insurance, non-OEM import and repair elements.

                  Lifetime guarantee with no agreement to return a vehicle to manufacturer specification. No agreement to use original parts (sometime even second hand used).


                  2. Some companies hold you to ransom longer for any at fault claim. AAMI is 3 yrs and Allianz is 4 for example. This is the higher premium you pay having made a claim.

                  3. Don't pay the lazy tax. No insurance company rewards loyalty. Each renewal period you should seek to leave their business and only stay if they offer better than the competition. You can easily save $100 by showing intent to leave.

                  Comment


                  • #69
                    Hi All,

                    If you were wondering why there is no discount for the fancy safety features such as City Emergency Brake:

                    Insurance discounts for self-braking cars

                    I for one would be happy to provide them with my contract of sale to qualify for the discount.

                    Cheers,
                    --
                    Greg.
                    --
                    Greg

                    MY14 Golf Wagon Highline 1.4L TSI 103, Limestone Grey Metallic, Roof, Leather, DAC.

                    Comment


                    • #70
                      Total cop out excuse, it wouldn't be hard to provide the evidence.

                      Having said that, with the discounts on offer I doubt my VW would still be on the road when I finally recouped the outlay.

                      Happy to keep braking as I've always done, and hope the dimwit behind me has spent the extra and doesn't run up the back of me.

                      --- FS: 2016 Golf GTI 40 years, white, DSG, 18,xxxkm -------------------------------------------------------------------
                      2019 Audi SQ5 | 2016 Golf GTI CS + OZ UL HLTs | Retired: 2018 Audi RS3 sportback + OZ Leggera HLTs
                      2017 Golf R Wolfsburg Sportwagen | 2016 BMW 340i + M-Performance tune/exhaust | 2015 Audi S3 sedan
                      2014 Golf GTI + OZ Leggera HLTs | 2012 Polo 77TSI (hers) | 2010 Golf GTI Stage 2 + OZ ST LMs

                      Comment


                      • #71
                        Driver Assistance Package - Insurance Benefits

                        Is there any evidence that insurers offer lower insurance premiums on cars equipped with the DAP?

                        For $1300, DAP seems to add a veritable trove of driver aids, notwithstanding the inclusion of the largely unnecessary Park Assist 2, and lower insurance premiums for DAP-equipped vehicles would seem to be in order.

                        Whatever the case, the $1300 DAP seems to be as much of a no-brainer for the Mark 7 Golf as the $500 reversing camera was for the Mark VI GTI/R.
                        If the answer to the Monty Hall problem was 50/50, the contestant, on average, would win the car 50% of the time simply by sticking with their original guess...but you can only win a one-in-three guessing game 33.33% of the time so it can't be 50/50, can it?

                        Comment


                        • #72
                          Originally posted by Arnold View Post
                          Is there any evidence that insurers offer lower insurance premiums on cars equipped with the DAP?

                          For $1300, DAP seems to add a veritable trove of driver aids, notwithstanding the inclusion of the largely unnecessary Park Assist 2, and lower insurance premiums for DAP-equipped vehicles would seem to be in order.

                          Whatever the case, the $1300 DAP seems to be as much of a no-brainer for the Mark 7 Golf as the $500 reversing camera was for the Mark VI GTI/R.
                          I think NRMA are the only insurance company in aus to actively recognise City Stop Braking, and that only if it's standard on the car. All the other insurance brands are taking the angle of "well it'll lower the accidents happening, and that'll show in our calculations sooner or later".

                          See here NRMA offers cheaper insurance for cars with AEB as standard | CarAdvice
                          MY16 Octavia RS 162 Race Blue Combi

                          MY12 Skoda Octavia RS 147 Black Combi - Sold

                          Comment


                          • #73
                            It was covered off in the insurance thread - they can't be bothered as it is to hard to deal with it unless fitted as standard.

                            Definitely not a no-brainer for me, happy to have pocketed $1,300 for stuff I won't use. Again each to their own.

                            As for having it standard and getting a worthwhile insurance saving - the insurance company would need to be paying me to warrant outlaying that sort of cash for the technology.

                            --- FS: 2016 Golf GTI 40 years, white, DSG, 18,xxxkm -------------------------------------------------------------------
                            2019 Audi SQ5 | 2016 Golf GTI CS + OZ UL HLTs | Retired: 2018 Audi RS3 sportback + OZ Leggera HLTs
                            2017 Golf R Wolfsburg Sportwagen | 2016 BMW 340i + M-Performance tune/exhaust | 2015 Audi S3 sedan
                            2014 Golf GTI + OZ Leggera HLTs | 2012 Polo 77TSI (hers) | 2010 Golf GTI Stage 2 + OZ ST LMs

                            Comment


                            • #74
                              Unless you never use cruise control or drive in 50 km/h zones, how can you not use Adaptive Cruise Control or Collision avoidance technology?

                              What's $1300 for such useful technology on a $40k car that drops $4000 the second you drive it out of the showroom?
                              If the answer to the Monty Hall problem was 50/50, the contestant, on average, would win the car 50% of the time simply by sticking with their original guess...but you can only win a one-in-three guessing game 33.33% of the time so it can't be 50/50, can it?

                              Comment


                              • #75
                                I don't use cruise correct, but that's just me. I'm sure the tech is good for others, and that's fine - "each to their own". I prefer to control things directly and would not use it so it was a no-brainer for me not to pay for it. As a benefit the front of my car looks clean and uncluttered.

                                Better it drops $4k out the door than $5.3k.

                                --- FS: 2016 Golf GTI 40 years, white, DSG, 18,xxxkm -------------------------------------------------------------------
                                2019 Audi SQ5 | 2016 Golf GTI CS + OZ UL HLTs | Retired: 2018 Audi RS3 sportback + OZ Leggera HLTs
                                2017 Golf R Wolfsburg Sportwagen | 2016 BMW 340i + M-Performance tune/exhaust | 2015 Audi S3 sedan
                                2014 Golf GTI + OZ Leggera HLTs | 2012 Polo 77TSI (hers) | 2010 Golf GTI Stage 2 + OZ ST LMs

                                Comment

                                Working...
                                X