Thanks for the wake up call, Mum...

**Rocket36** · 08-05-2009, 10:27 AM

I'm not having a go at anyone in particular. Just based on my experience (and as has been said I am a realist), I have never had a comprehensive policy cost more than $1200 - even when I was under 25! And my first car was a $1200 datto, when I was 17. 3rd Party Property ONLY.

**Mr Messy** · 08-05-2009, 10:32 AM

I drive a Mk4 GTI valued under $20k. I'm male, 22 and live in Sydney. I was quoted between $2000 and $5000 per annum for comprehensive insurance.

Other cars I looked at included 200sx (none less than $4000) WRX (ditto) and Liberty B4 (starts at $3000) although all of these are quicker cars.

**VW Convert** · 08-05-2009, 10:32 AM

Originally Posted by Rocket36

I'm not having a go at anyone in particular. Just based on my experience (and as has been said I am a realist), I have never had a comprehensive policy cost more than $1200 - even when I was under 25! And my first car was a $1200 datto, when I was 17. 3rd Party Property ONLY.

Wish I could get my Jetta insurance down to $1200. I suspect insurance in Sydney is significantly dearer than ACT.

Cheers

George

**fuzion** · 08-05-2009, 10:40 AM

Originally Posted by VW Convert

Wish I could get my Jetta insurance down to $1200. I suspect insurance in Sydney is significantly dearer than ACT.

Cheers

George

Mine is $1760 i think inc ALL mods on my vehicle, not cheap but i wouldn't have it ANY other way!

**mikinoz** · 08-05-2009, 12:26 PM

Insurance premiums have climbed recently, as well as green slip prices.

It is all a bit of a rort, covering the cost of all the dodgey claims and then adding a bit so the companies can profit.

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.

**Mrk_Mickey** · 08-05-2009, 01:47 PM

Originally Posted by Treza360

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.

Originally Posted by VW Convert

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.

Originally Posted by mikinoz

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** · 08-05-2009, 02:01 PM

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** · 08-05-2009, 02:06 PM

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** · 08-05-2009, 02:11 PM

Originally Posted by 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.

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.