Insurance - Who insured with who?

[Hillbilly]

Hillbilly & scratchyratface - come to Sydney & try & get those prices. Even Melbournites have it cheap compared to SYD. Prices are always meaningless in insurance threads.

Probably but they did ask so we answered. Advantage of living in a nice warm reasonably crime free area. LOL

[VRS_Sleeper]

There seems to be a huge difference in prices, AAMI charged me additional $120 for the exhaust. Current paying $880 per year for a rating 1 for life driver.

[zei20t]

Im with Shannons for both cars and the house. Been with them for 10+ years (due to owning imports) so im really looked after.

rates are different due to age, location, where you park and how often you use your car. also, I think a lot of the big names pull figures out of their rear ends, or take a stab at a wall chart to get premium prices

[Rooboy]

I've been with CGU for a few years and did some comparo's when I got the Yeti. It was still the cheapest for me and they offered new car replacement for 3 yrs.

[bobski]

+1 for pulling it out of their rear end. NRMA $800 a year in Bathurst, agreed value, garaged, no accidents, over 35 yadda yadda. I shopped around and other insurers wanted anywhere between $1200-1600. Money for jam for the insurer.

[candy_wagon]

I think there are a few important things to remember with insurance that go farbeyond the price.

I have been with AAMifor about 12 years straight and yes I am on a very good rate of around $545 per year with a free windscreen every year and a few other bonuses, but I stay with them because I know I get good service when something goes wrong.

In my 16 years on the road i have only had one at fault accident, but been the innocent party at least 8 times including once when a van rolled into me at the lights and then drove off. I later found out he was an unlicenced courier and had 3 outstanding arrest warrants! But I digress.

Each time i havwe been givenvthe optiown obtaining quotes at preferred repairers or simply drop it off at an assessment centre and have it taken care of. I then have access to cheap rental cars that can be claimed back .

Then i get a life time warranty on repairs, a guarantee ot genuine parts and i have only ever had to go back once to have a minor detailing error fixed.

For all these reasons i simply say stick with who you trust to do a good job when you need them. The longer you stay, the better you get treated and the lower the costs become.

[noone]

I find this to be a totally painful exercise, poorly designed websites, insurers that won't touch a lightly modded car (stock turbo on an old 1.8T), but you don't find out until 15 pages of info in, total lack of info as to what causes the prices to change.

My current renewal is $714, re quote from same insurer was over $900, CGU was over $1200 but couldn't cover some mods, Shannons I'm not bothering with as they were totally noncompetitive last time and not much help on the phone, Youi was over $2k (no you don't get me), your insurance was more than double the cheapest and I can't see any advantage.

At least I'm happy that the level of cover I'm renewing is OK, I know I drive a modified car (OMG!), but its a freaking Polo that does <10,000ks a year. I've all my points, no accidents at all in 8 years, etc. the system generally does not cater for me.

[zei20t]

Youi was over $2k (no you don't get me), your insurance was more than double the cheapest and I can't see any advantage.

how do you think they pay for the constant run of ads in prime time?

candy_wagon ive seen some shonky repairs from AAMI repairers. lucky for me ive found a repairer locally that I trust and does fantastic work. he will be working, again, on the fiat and im sure that the work will be no less than factory looking condition.

[Andypants]

I'm with Shannons for Home and Contents and for my Pirelli Insurance. Its just over $1,000 per annum for the Pirelli at 60% NCB.

[gldgti]

Dont know how old most of you guys are, that makes a huge difference to premiums...

I'm 27 and have a perfect driving history, I pay $1872 pa for the Skoda and our mk1 cabriolet together, with all modifications listed, with Shannons. I used to just have my car with them but when I added the cabby to the policy the premium for that car was cheaper than with the previous insurer and for higher agreed value and better cover aswell. Also, the shannons greenslip price is the best I could find by $100 (but you have to be with them be able to purchase a greenslip with them).

I think if I was as honest with any other insurer as I am with shannons, I'd be paying as much or more - so it just depends what kind of cover you expect.

My folks just got screwed by NRMA for an excess when their car was hit whilst parked on the side of the road, and the car that hit it ended up parked on the side of the road infront (it was undrivable) but the driver did a runner and did not admit fault.