Insurance

[cox11]

Just came back from shannons. $1750!

[zardoz]

I've always found that insurance companies are able to beat their "online discount" by giving them a call and negotiating further. This year, in my case, RACV are cheaper than AAMI but last year it was the other way around. The Golf 7 is also cheaper to insure than the Mark 6 even with less agreed value on the 6 for my situation (118TSI vs. 103TSI). I've found one change this time than previous years with regards to options on the vehicle; most companies now settle on an agreed value and claim that the insurance covers all options fitted to the vehicle. Guessing driver assist doesn't affect premiums...

The agreed value for a wagon maxes out at a few thousand below the cost of one that's fully optioned so I'll have to jump on the phone anyway to make sure that I'm not short changed when agreed value fails to cover the costs of my car... either that, or I have more negotiating power with my dealer than I previously thought!

[cox11]

Was ready to sign up with Allianz and then noticed they missed the leather off the quote. When I rang them to point out their error they said sorry you now have too many accessories and we can't insure your vehicle. WTF? I have a Mini Cooper s with $12k worth of extras and they insured that.

[wasabiz]

Had a quote from RAC, they gave me $557/yr and I'm under 25

[DV52]

Just came back from shannons. $1750!

Cox: They can't be serious - $1750!! Did you tell them that you didn't have the gold-plated mk7?

[cox11]

DV52, obviously the 20" solid platinum rims put them off

[Dutch77]

Was ready to sign up with Allianz..

I was getting a quote from Allianz online (at almost half the price the dealer quoted from the same company lol) but noticed they've stuck a new $2k theft excess on the GTI if it doesn't have a GPS tracker. That was never there when I had my pre-modded Mk6 with them a few years ago.

[OilBurna]

I'm similar but with Volvo v40 T5r got same 2k theft excess and Allianz online was much cheaper than stealer


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[Dutch77]

I'm similar but with Volvo v40 T5r got same 2k theft excess and Allianz online was much cheaper than stealer

Proves how pointless comparisons are on a site like this though. When we bought the Polo last year the dealer price was about $40 more than the online price, but offered an extra year of new-for-old replacement so I figured I'd go the dealer route. Between drivers, locations, cars, time and, I suspect how much a litre of milk costs, it seems like everyone ends up with differing costs.

A GPS tracker kills the theft excess and knocks about $50 off the premium from memory. I'm not sure how good any of the GPS tracking companies are and their pricing - cheaper to either go with a slightly more expensive insurance option or wear the theft excess if the worst happens (could also factor into a higher agreed value I suppose).

Like a couple above I am looking at SGIC this time around as their quote was well under even Allianz who were solid last time around.

[Mountainman]

$537 for my 90 TSI with Suncorp which includes choice of repairer, loan car, replacement windscreen and new replacement of the car if it is written off for the life that I own the car. Standard $600 excess. In 10 years time with 400,000km on it a big gum tree had better fall on it, preferably when I'm not in it. In other words if I stick with a Golf I should never have to pay for a new car again.......