Polo Insurance...What do you pay??

[pixl]

27 y.o, Allianz, $788

[PeterHBne]

I do wonder of those who are with 'normal' insurance companies and have many mods (chips, suspension, etc.) how many have actually honestly declared them all?

It really is an area you need to be careful - if you get a keen asessor and they pick up stuff you haven't declared they WILL not honour your claim.

Then again you can get a bored asessor who is thinking about lunch and you could have a supercharged 308 under the bonnet and they wouldn't notice or care.

[Steve88]

What would u call a normal insurance company ?

[noone]

I upped my agreed value today, from 20K to 30K. for the last 7 months of the year contract, the difference was only about $70!

I don't like paying lots for insurance as I don't seem to ever use it, but for an extra around $100 a year, if something happened, I'd be able to get back to where I am with a few $$$ left over...

BTW, NRMA does not ask about your mods. As long as your vehicle is considered road worthy, its covered! Very strange...

[Treza360]

What would u call a normal insurance company ?

A normal insurance company would be all your mainstream non-car enthusiast insurers. Basically only interested in insuring those people who buy a car to get from A-B. Examples listed below (note that this not a comprehensive list nor is it in any particular order):

• Aami
• RACQ or equivalent
• NRMA
• Suncorp
• QBE
• Youi
• Bingle
• Allianz
• GIO
• Budget Direct

Cheers,
Trent

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25yo male, perfect driving record

$425/year full comprehensive through JustCar

[Tim]

25yo male, perfect driving record

$425/year full comprehensive through JustCar

That seems a bit cheap! Is your excess $2000 or something crazy?!

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That seems a bit cheap! Is your excess $2000 or something crazy?!

My excess is $1500. I opted for the lowest premium, but highest excess.

[noone]

Yeah, I live in the inner Suburbs of Sydney and have car parked on the street. Both of these make my insurance more expensive.

When I was looking at cars as a whole, I was surprised how cheap the Polo GTI was to insure versus other cars I'd looked into.

Lets keep the Polo low risk!

[Gti Dave]

Mine's quite a hefty premium then particularly in comparison to others in this thread. I'm 27, and my premium with AAMI from memory was somewhere in the $1080 range. But that might be due to the fact that all the mods hare covered. Weird thing is, Just car quoted me more than AAMI But one thing I don't get is, I'm one rating 1 so shouldn't be cheaper than that? Any views/comparisons guys?

[ef9]

I have a 06 Polo GTI, stock standard.

29yo
lost license nearly 3 years ago for speeding
West Footscray
Just Car Full Comp
Full NCB/Rating 1
extra $250 excess to lower my premium to $651 (agreed value of $19500), this includes $35 Rating 1 protection.
will have to call to change the agreed value to maybe $22000-$23000, coz my car has sunroof, metalic paint, leather and tinted window. Will post new premium if it changes

RACV and AMMI quoted my over $1K

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Mine's quite a hefty premium then particularly in comparison to others in this thread. I'm 27, and my premium with AAMI from memory was somewhere in the $1080 range. But that might be due to the fact that all the mods hare covered. Weird thing is, Just car quoted me more than AAMI But one thing I don't get is, I'm one rating 1 so shouldn't be cheaper than that? Any views/comparisons guys?

I find it hard to believe JustCar gave a more expensive quote than AAMI.

Put it this way, when I insured my previous WRX, AAMI wanted just over $2500 a year, JustCar was only $986 in contrast.

I find the big insurers to be absolutely horrid with their premiums.

[mikepologti]

AAMI / rateing 1 for life / agreed value $31000 / $625 per year / $500 excess. free 1/per year windscreen fix / taxi away from accident / and i can mitigate a repairer along with aami's preferances to reach an agreement.

[Kiel_GTI]

Just paid my 1000 dollar insurance 2 minutes ago.

grrrrrr. money should be going on other things.

[Blitzen]

AAMI / rateing 1 for life / agreed value $31000 / $625 per year / $500 excess. free 1/per year windscreen fix / taxi away from accident / and i can mitigate a repairer along with aami's preferances to reach an agreement.

Thats basically what mine is, but I have rating protection and hire car for $688.