Which Insurance company are you with?

[Servo]

I found GIO were far the cheapest in insuring my Pog. AAMI and NRMA were asking an extra $350-400 compared to GIO.

[MurphyTheElf]

Don't forget man, NO hire car with Shannons....
and QBE you have the option of 4 year new for old replacement, plus external item protection (if that is important to you)

Shannons said their standard policy included a hire car for 14 days - but only if the car was stolen. Not for an accident.

[Corey_R]

yeah... that's what I said in my original post.

This is incomparison with NRMA for example, where their comprehensive plus gives you a hire car for basically any loss of use of your car.

[MurphyTheElf]

yeah... that's what I said in my original post.

This is incomparison with NRMA for example, where their comprehensive plus gives you a hire car for basically any loss of use of your car.

It's a very strange condition. Some prick steals your car - no worries - have a hire car! The same moron steals someone else's car and drives it into your front quarter panel at 60k's - bad luck, you're on your own.

[Corey_R]

yeah... it sucks! Trust me, it left me carless for ages! lol

[Skoda Convert]

I've been calling around getting quotes today. I have a cover note from QBE while I shop around. I tried RAC (WA), QBE, Shannons and the Volkswagen dealer's insurance. They are all competitive with each other with some differences..

Hi Murph, Sorry to be the one to break this to you but it all maybe a wasted exercise. Not a lot of people in Australia are entirely aware that all insurers in Australia are run by or underwritten by 2 main organisations AIG being the majority holder of most insurance companies in Australia. They may list themsleves as seperate identities but they are all under the one umbrella, this is why our insurance premiums keep going up and all of them appear to be the same.

When you have a monopoly you can charge what you like without concequence.

The only win you will have is the minute detail, windscreen, hire car etc.

Good luck

[pologti18t]

It's a very strange condition. Some prick steals your car - no worries - have a hire car! The same moron steals someone else's car and drives it into your front quarter panel at 60k's - bad luck, you're on your own.

Which do you think is more likely to happen? Your car being stolen OR your car being in an accident requiring repair? The answer is obvious and its why the insurance companies give a hire car for one and not the other

You match what you need with the company. I dont need a hire car if my car needs repair... BUT Shannons doesn't charge a premium to pay by the month. Most other companies do.

I just read NRMA's site: If your vehicle is stolen, or damaged as a result of theft or attempted theft, we help to keep you on the road. We will refund you the cost of a hire car for up to 21 days.

That doesn't suggest that you get a hire car for accidental damage.

[mattyf83]

Hi Murph, Sorry to be the one to break this to you but it all maybe a wasted exercise. Not a lot of people in Australia are entirely aware that all insurers in Australia are run by or underwritten by 2 main organisations AIG being the majority holder of most insurance companies in Australia. They may list themsleves as seperate identities but they are all under the one umbrella, this is why our insurance premiums keep going up and all of them appear to be the same.

When you have a monopoly you can charge what you like without concequence.

The only win you will have is the minute detail, windscreen, hire car etc.

Good luck

AIG doesnt underwrite MV insurance in Australia

I think you mean IAG - CGU, NRMA, SGIO, RACV. I think you will find these companies are run independentley, with NRMA, SGIO and RACV servicing different areas and CGU being the commercial arm

The other main one is Suncorp Group - Suncorp, VERO, GIO, AAMI, Just car - again these are run independentley and premiums between their brands will differ. They dont compete with each other though following recent mergers will likely intergrate.

QBE is completley seperate

[elisiX]

Quotes so far for myself and my girl on a new GTI at ~$1300.

Both 27 rating 1 living in medium risk suburb in Sydney.

[isaw]

I just renewed my MKV with ammi for 770 with some listed mods (ECU, suspension, zorst), 25 (soon to be 26) carport, rating one but recent loss of licence.

Amazingly my premium went down from last year.. Go figure.

Only issue is no choice of repair, but if anything happened I'd be selling the car anyway