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

  • #76
    Yeah, but, as I said to the VW saleswoman yesterday, car purchases are growing more and more like computer purchases and as a result I always buy new to gain the latest technology and future-proof my purchase as much as possible.

    For example, when I bought my Macbook Air in 2010, 2Gb RAM was standard, but I paid an extra $100 or $150 or something (after a short while you never remember the extra cost that might stop you at purchase time, just the benefits, including peace of mind, they bring) for an extra 2Gb of RAM to "future proof"my Macbook. Soon after, all Macbooks boasted 4Gb RAM and I was comforted to reflect that my $1500 Macbook, bought a year earlier, remained on a par in this regard, for a mere 10% extra.

    As time goes by, more and more factory options become standard equipment, eg the RVC on the Mark VI GTI / R was a no-brainer. Some of the people who said they did not need one or would not use and would prefer to pocket the $500 later discovered retrofitting was a $1500 exercise. All will be at some degree of disadvantage in the used car market when they sell as more consumers expect such technology in later model cars.

    Similarly, Driver Assist will be standard on Mark 8 Golfs but for $1300, such a useful factory option, that cannot be retrofitted, makes a wise investment in my opinion.

    As far as cost goes, paying less than 3% extra on a GTI to add potentially life-saving technology (not necessarily your life) is, for the reasons outlined above (including that you would never feel or recall the extra cost after a few months let alone years), to me, a no-brainer.

    But each to his own.
    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


    • #77
      I fall into the 'options are worthless on resale' camp, so do not spend on items I do not need. The only option I wanted this time around was DSG so I ticked the box, everything else held zero value to me. To others if they can justify the spend then good luck, there is no doubt an optioned GTI is a great car but for me it's pushed into R territory and I'd be inclined to jump into that instead.

      The Apple example is different - if I knew I was buying a laptop to last a few years, and expected I'd need the extra power to run software in a year's time then sure, have it fitted. But a pointless option to me today, is pointless to me next year as well.

      Not sure investing into something that depreciates to nil value falls into the wise category.

      --- 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


      • #78
        All options, including DSG, are ultimately worthless but some use "magic technology" that make them worthwhile in a smile-inducing way.

        Plus DAP is half the cost of DSG, and less than 3% of total cost of car (all of which depreciates to close to scrap value) and unlike the DSG, DAP does not rob you of pleasure or engagement!


        (Interesting review of 6MT vs DSG Mark 7 GTI by-and-large favours the 6MT, save for benefits of DSG in traffic for lazier drivers: Volkswagen Golf GTI gearbox comparison : Manual v DSG | CarAdvice.)

        A manual GTI with DAP for $43000 or an auto without DAP for $44200? Now that's a no-brainer!
        Last edited by Arnold; 19-08-2014, 10:17 AM.
        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


        • #79
          Originally posted by Arnold View Post
          A manual GTI with DAP for $43000 or an auto without DAP for $44200? Now that's a no-brainer!
          Indeed.

          I agree with comments that with all you get with DAP making it a bargain option, especially since it cannot be retrofitted.

          Comment


          • #80
            Originally posted by Arnold View Post
            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?
            I have to agree with Dutch77 on this one. I've ordered a new S3 and have not gone with the Assistance pack (essentially the same as the DAP, but with the addition of blind spot warning and lane guidance systems). I for one dislike the radar cruise control and far prefer the standard system where I manage the distance to the vehicle in front (and there is no ambiguity as to who's going to do the braking). I've used the system plenty in my father's Passat CC, and fully appreciate that some people love it. I'm not one of them.

            I also spec my cars to suit me, and me alone. Buying a new car (short of a La Ferrari) is not a sensible financial decision and I'm not about to kid myself that any option I tick is going to be in any way financially prudent. I'm not going to spend money on options I don't want, in the hope that they'll be more desirable or valuable come resale time. Extra options will make a car more attractive to a wider range of second-hand buyers, but they're unlikely to make much of a difference to the ultimate sale price. So if you're prepared to take care of your car and take time selling it privately to the right buyer, then you're unlikely to suffer from omitting certain options. And just remember, if an option is of no value to you, it's highly likely it will be of no value to at least some future buyers as well - regardless of whether that option has become commonplace on new vehicles or not.
            Last edited by AdamD; 19-08-2014, 09:00 PM.
            2008 MkV Volkswagen Golf R32 DSG
            2005 MkV Volkswagen Golf 2.0 FSI Auto
            Sold: 2015 8V Audi S3 Sedan Manual
            Sold: 2010 MkVI Volkswagen Golf GTI DSG

            Comment


            • #81
              Shannons Insurance - how far they've fallen...

              Shocked to find out Shannons are now the most expensive insurer BY FAR.

              They were hundreds of dollars cheaper than the next best for the Polo GTI.

              Now, for the Golf GTI, they're a thousand dollars more expensive.....

              RACV was cheapest (~$981, including similar benefits to Shannons). Will be signing up as vehicle pickup date approaches, & will most likely add their Home Insurance to it also, to get a further 10% off...
              MY16 MK7 Golf GTI
              - Manual - Sunroof - Folding Mirrors - Lock/Unlock Chirp - 4x Indicator Flash - Traffic - MK7.5 LED Tail Lights with Sweeping Indicators - Dynablink Sweeping mirror LEDs - White LED's on rear rego plate -

              Comment


              • #82
                I need to do the Victorian ring-around as well.

                In SA Shannon's were always more expensive than most others, but they are mod-friendly. SGIC had my Mk7 GTI in Adelaide at agreed value with unlimited mods at barely $400 - don't think I'll be repeating that here, but don't think I can either - does IAG trade under anything else except CGU here?

                --- 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


                • #83
                  INSURANCE da2

                  Do any insurance companies offer a discount if you have Da2?
                  I have it down to $44 pm
                  Can I do better?

                  Comment


                  • #84
                    Not sure about the specifics on the insurance companies recognising as a safety feature. I read recently that a 'radar' safety feature that is standard vs an option may not be acknowledged as they cannot ensure all vehicles have the feature.
                    For your quote, is that your pm repayment? Or the discount you have been offered for the safety feature?
                    Insurance will obviously vary 90TSi vs Golf GTi

                    Comment


                    • #85
                      Just asking the question after watching Top gear youtube gti vii v m135 Clarkson saying the gti with forward camera has a lower insurance rating . After raising the exess i now have premium down to
                      $40pm

                      Comment


                      • #86
                        Here is the link https://youtu.be/3VwgvIqXg3A

                        Comment

                        Working...
                        X