Tiguan Insurance Thread

[team_v]

Hey Guys.

I was looking at insurance costs for the Tig next year and i am pretty limited in my optiosn due to my age and car choice.

I thought it would be good to have a comparison thread so we can see what type of cover people have, how much they are paying and who their providers are.

Feel free to add any extra information in if you like.

[avalasia]

i am picking up my Tig next week and so far the cheapest insurance quote i have received is $1,021 but that's with the MAX excess.

What ball park figure are other Tiguan owners paying for insurance?

[msp]

I Pay $610 with RACV, rating 1.

[avalasia]

RAVC is only available in Victoria i think.

[Dilusi]

i am picking up my Tig next week and so far the cheapest insurance quote i have received is $1,021 but that's with the MAX excess.

What ball park figure are other Tiguan owners paying for insurance?

Ballpark - NRMA for 147TSI is $700; rating 1 including glass

The problem with dollar value quotes is that what is offered by insurance companies as part of their policy varies greatly. For example what is a 24 month replacement policy worth in comparison to a 12 month replacement policy?

You may find this Canstar Cannex car insurance star ratings site helpful. As it says "Not all drivers are the same and no one car insurance policy will be the best fit for everyone, even if it is the cheapest quote." The site compares insurance companies according to a methodology they explain on the site.
http://www.canstar.com.au/car-insurance/

I hope this helps.

[petho]

Hi, I have been getting a few quotes today as we pickup our new Tig on Monday. Below is what I have found:

RACQ with Silver Membership: $550 ($500 Excess)
QBE with 4 year new car replacement: $732 ($450 Excess)
Suncorp: $1070.99 ($500 Excess)
VW Insurance: $1042.22 ($450 Excess)
NRMA: $800 something
AAMI: $1300

Were all based on Nominated drivers overs 25 with an extra excess for under 25.
Location was Gold Coast, Qld.

Decided on the QBE policy, as the detail was better than RACQ.

Cheers
Dave

[juv3]

QBE with 4 year new car replacement: $732 ($450 Excess)

are you over 30? i did quote from their website before but cannot get the quote because i under 25 and the car has turbo

same happent with allianz

cheers

[petho]

QBE with 4 year new car replacement: $732 ($450 Excess)

are you over 30? i did quote from their website before but cannot get the quote because i under 25 and the car has turbo

same happent with allianz

cheers

Yes - 31.

Dave

[Sharkie]

Ive got QBE as well, have found them to be excellent, all my cars & bike with them including CTP, so I get volume discount.

QBE with 4 year new car replacement: less than $700 ($300 Excess)

and I've got listed as extras:
VW extras as fitted at purchase & then
aftermarket alloys
Chip
radio

and 4 years new car replacement is really a big plus over the others.

[Pullstarter]

GIO with maximum no claim, windscreen per year, all mods listed on policy with agreed value (including mods) $840.

[Sanman]

I've not seen 4 year replacement insurance before, only 1 or 2 years.
But considering the vehicle will still be worth $20-$30k after 4 years, its unlikely that the vehicle will ever be considered unrepairable, so I'm doubting how much of a benefit that would be in practice. I suppose it would also apply to unrecovered after theft also.

[juv3]

thanks dave

another question guys, if you choose agreed value - did you put your purchase price (inc discount) or non discount price?

thanks

[Maverick]

I've not seen 4 year replacement insurance before, only 1 or 2 years.

CGU are three years and you know about the 4 year one now.

But considering the vehicle will still be worth $20-$30k after 4 years, its unlikely that the vehicle will ever be considered unrepairable, so I'm doubting how much of a benefit that would be in practice. I suppose it would also apply to unrecovered after theft also.

There have been heaps of written off Golfs going through the auction houses and the same will apply to the Tiguan. It doesn't take much of an impact for the insurance company to write off a car.

One example is a GTI that had bonnet and minor front end damage, car was written off.

Poor quality of repairs to a GTI that had minor front wheel damage from sliding off the road at low speed into a gutter. Car was written off after multiple repair attempts, work was so stuffed up it was cheaper than to write the car off after 4 months of repairs.

Water damage will see a car written off and there have been quite a few of these both salt and mostly fresh water.

[Pullstarter]

thanks dave

another question guys, if you choose agreed value - did you put your purchase price (inc discount) or non discount price?

thanks

If you're going for agreed value always go with the highest value you can get away with. Remember you need the replacement value if you claim and you may not be able to get that discounted price again should the car be written off.

When I added the mods to my policy I included all the labor charges etc. If you need to claim and you want to do the same mods to your replacement car this will, naturally, have to be paid all over again and there's no sense in you being out of pocket.

[surubalak]

Hey Guys.

I was looking at insurance costs for the Tig next year and i am pretty limited in my optiosn due to my age and car choice.

I thought it would be good to have a comparison thread so we can see what type of cover people have, how much they are paying and who their providers are.

Feel free to add any extra information in if you like.

I am with ING and pay $616.48 p/year, with $300.00 basic excess. It is very hard to get a cheap insurance as you have to cover the VW options as well. This is the best I could get after my extensive research.