Thanks for the wake up call, Mum...

[Mrk_Mickey]

Whilst this is nice in theory I think you have forgotten what it's like being a male under 25 and a student/apprentice at the same time.
Being slugged several thousand dollars for a car worth less than $10k it's basically impossible to justify that kind of expense when you're only making at best three or four hundred dollars a week.

If it was just some daily ****box as you said then yes you can handle it being written off. Also if through his own stupidity he wrote it off then yeah he would just have to live with it.

Driving a car that you clearly love and is not just some means of getting from A to B is another kettle of fish altogether and maybe yes if you love it that much then maybe you should have comprehensive but for some people it's just not feasible.

What I'm basically getting at is maybe instead of posting sommething slightly negative and antagonistic in your post. Maybe be a bit more supportive and sympathetic to Mickey's situation. I know it you're just being a "realist", but it doesn't change or help the situation in any way.

Cheers,
Trent

(I know I said I wasn't going to keep reading this thread but yeah...)
Edit: Sorry didn't see your post above Mickey. Took me a while before I submitted this one...

Thanks for that mate, I appreciate it.

Perhaps there are members of this forum who have bought similar cars in recent times that would be prepared to provide details of their cars and the price they paid which would be irrefutable evidence of the true market value of your car. In a case such as yours, this forum should be a powerful tool for you, let's hear from the members who can help in this regard.

Cheers

George

What a great idea! I mean of course I'm piling up the evidence and arguments with reasons to suggest the car is worth more likely DOUBLE what they think it's worth, but showing hard evidence of sales from people I can get in touch with is just so much better.

I'm MORE than happy to get in touch with some VR6 owners/sellers on here if they want to give me some hard evidence to show the market value! If anyone is willing please shoot me a PM or something.

I still believe that you can ask for them (other insurance company) to find you an equivalent car if they write it off as an economical write off. And you do not have to agree to anything that they offer you. Keep being a thorn until they cough up.

Thorn all the way mate, lol. Can anyone actually confirm this? If so I'll strip my car back to stock and throw it at them asking for a new one

[Manaz]

Shannons just quoted me less than $1000 (and no extra to pay by the month) to insure my Bora for $22k agreed value (full comprehensive), with mods (Haldex, swaybar, wheels, R32 brakes) listed and fully covered.

I am 32 with a clean driving and insurance record, so that probably helps.

Regardless, I strongly recommend anyone looking at insurance to give them a call. The two guys I spoke to over the phone were both interested in my car, what I had done, what plans I had, etc (and it wasn't fake interest, they were genuinely interested, asking questions, making comments/suggestions).

[Jarred]

is just paid 550 for 3rd party, + fire & theft. for a old GLD, with justcar, so it'll cover my mods, where as RACV won't. And shannons won't even bother with me yet.

Comprehensive option was roughly 1700 a year! Fat chance. Price you pay for being young and having a modified car. and being male.

[Mrk_Mickey]

is just paid 550 for 3rd party, + fire & theft. for a old GLD, with justcar, so it'll cover my mods, where as RACV won't. And shannons won't even bother with me yet.

Comprehensive option was roughly 1700 a year! Fat chance. Price you pay for being young and having a modified car. and being male.

Aaaaaaaand there's the money shot. That's what I'm saying, it's pointless trying to comprehensively insure ANYTHING until you're far, far away from 'kid' years.

[WABIT]

mine is $1,040 full comp with shannons and ive listed all the mods and they have seen it

dom

[Rocket36]

Aaaaaaaand there's the money shot. That's what I'm saying, it's pointless trying to comprehensively insure ANYTHING until you're far, far away from 'kid' years.

You must have missed my post. Most I've EVER paid since getting my P's when I was 17 for full comprehensive is $1200.

[VW Convert]

You must have missed my post. Most I've EVER paid since getting my P's when I was 17 for full comprehensive is $1200.

With all respect, perhaps you should have read some of the other posts on this topic. I can't get my car insured for $1,200 and I'm in my fifties with an excellent insurance history and driving record.

FYI, I just got an online quote from GIO for a VR6 at age 18, resident in Mickey's area without any no claims discount. Their insured value was $6,700 and the premium quoted was $4,417. Your suggestion that Mickey should have been comprehensively insured is clearly ludicrous. Time to lay off the kid and make useful suggestions that may assist him.

Cheers

George

[VW Convert]

Hey Mickey,

Here's a way to produce an irrefutable argument about the value of your car. Get a quote for agreed value insurance from NRMA, you can get one online. I just ran some numbers through on a 97 VR6 and it accepted an agreed value of $7,500, I saved a copy if you want it. No way could they argue against one of their own quotes.

Cheers

George

[Preen59]

With all respect, perhaps you should have read some of the other posts on this topic. I can't get my car insured for $1,200 and I'm in my fifties with an excellent insurance history and driving record.

FYI, I just got an online quote from GIO for a VR6 at age 18, resident in Mickey's area without any no claims discount. Their insured value was $6,700 and the premium quoted was $4,417. Your suggestion that Mickey should have been comprehensively insured is clearly ludicrous. Time to lay off the kid and make useful suggestions that may assist him.

Cheers

George

I very much agree, George.

Insurance premiums have sky rocketed in the past years, especially for younger drivers. I am paying 1200 dollars at 22 with no accidents living in a country town, driving a diesel commercial vehicle.

The problem is that the vehicle isn't worth comprehensively insuring when you consider the cost of the premium, plus the excess Mickey would have to pay anyway.

Disappointing, but that's the way it goes.

How's it going , Mick?

[Mrk_Mickey]

Hey Mickey,

Here's a way to produce an irrefutable argument about the value of your car. Get a quote for agreed value insurance from NRMA, you can get one online. I just ran some numbers through on a 97 VR6 and it accepted an agreed value of $7,500, I saved a copy if you want it. No way could they argue against one of their own quotes.

Cheers

George

That's actually the first thing I did I have a print-out of agreed-value $8,500. I was actually thinking of ringing them and asking them about a car I wished to buy, asking if I would be able to comprehensively insure it for an agreed value of 8,500, then recording the name of the rep and the time of call too.

I very much agree, George.

Insurance premiums have sky rocketed in the past years, especially for younger drivers. I am paying 1200 dollars at 22 with no accidents living in a country town, driving a diesel commercial vehicle.

The problem is that the vehicle isn't worth comprehensively insuring when you consider the cost of the premium, plus the excess Mickey would have to pay anyway.

Disappointing, but that's the way it goes.

How's it going , Mick?

After the third call to the NRMA this week, there were notes in the system so I made them give me the assessor's number. I'm calling him at 8am tomorrow morning to ask why he hasn't called me after 7 days, and how he managed to get a number of 4k for my car.

[Water Boy]

Im with Shannons full comp with suspension listed: $930 looks like I got a bargain

[Golf Loon]

I'm MORE than happy to get in touch with some VR6 owners/sellers on here if they want to give me some hard evidence to show the market value! If anyone is willing please shoot me a PM or something.

Mike VR6 just sold his for $7000 and he works for an insurance company. I`m sure he`ll write you something on headed paper if you ask him nicely.
I have his phone number, pm me if you want it.

[mikinoz]

Mick: Hello
Assessor: Hello
M: So you are an NRMA assessor right?
A: Yes
M: And you think that you are pretty good at your job?
A: Yes
M: Well, my name is Mick and I am calling from the national insurance assessors league and want to have a comversation regarding a valuation that you did recently that was off the mark that has now taken you out of contention from the assessor of the year award.*
A: Whoa
M: Well, there is this VR6...

*this award has a prize of 1 can of heinz baked beans.

[Golf Loon]

Yeah I pay $1807 with Shannons to Comprehensively insure me and the Mrs and 3 Cars.
I have an Audi turbo Wagon with agreed value at $20k, Scirocco Turbo with agreed value of $15k and a Mk1 GTI, agreed value at $10k

Thats $45k of cover for that much which I think is a bargain. I realize some of it is multiple vehicle discount, but chuck in the fact that I get a free windscreen per car per year and Shannons are so helpful and its great.
I live in a country postcode and we are both early 30s with a few points and 85% NCD.

Basically, if its a special car, get agreed value or suffer like Mickey.

Hope it works out for you mate, keep chipping away at em.

[Golf Loon]

Mick: Hello
Assessor: Hello
M: So you are an NRMA assessor right?
A: Yes
M: And you think that you are pretty good at your job?
A: Yes
M: Well, my name is Mick and I am calling from the national insurance assessors league and want to have a comversation regarding a valuation that you did recently that was off the mark that has now taken you out of contention from the assessor of the year award.*
A: Whoa
M: Well, there is this VR6...

*this award has a prize of 1 can of heinz baked beans.

Gold.
Nice