Tiguan Insurance Thread

[Sanman]

I've not seen 4 year replacement insurance before, only 1 or 2 years.
But considering the vehicle will still be worth $20-$30k after 4 years, its unlikely that the vehicle will ever be considered unrepairable, so I'm doubting how much of a benefit that would be in practice. I suppose it would also apply to unrecovered after theft also.

[juv3]

thanks dave

another question guys, if you choose agreed value - did you put your purchase price (inc discount) or non discount price?

thanks

[Maverick]

I've not seen 4 year replacement insurance before, only 1 or 2 years.

CGU are three years and you know about the 4 year one now.

But considering the vehicle will still be worth $20-$30k after 4 years, its unlikely that the vehicle will ever be considered unrepairable, so I'm doubting how much of a benefit that would be in practice. I suppose it would also apply to unrecovered after theft also.

There have been heaps of written off Golfs going through the auction houses and the same will apply to the Tiguan. It doesn't take much of an impact for the insurance company to write off a car.

One example is a GTI that had bonnet and minor front end damage, car was written off.

Poor quality of repairs to a GTI that had minor front wheel damage from sliding off the road at low speed into a gutter. Car was written off after multiple repair attempts, work was so stuffed up it was cheaper than to write the car off after 4 months of repairs.

Water damage will see a car written off and there have been quite a few of these both salt and mostly fresh water.

[Pullstarter]

thanks dave

another question guys, if you choose agreed value - did you put your purchase price (inc discount) or non discount price?

thanks

If you're going for agreed value always go with the highest value you can get away with. Remember you need the replacement value if you claim and you may not be able to get that discounted price again should the car be written off.

When I added the mods to my policy I included all the labor charges etc. If you need to claim and you want to do the same mods to your replacement car this will, naturally, have to be paid all over again and there's no sense in you being out of pocket.

[surubalak]

Hey Guys.

I was looking at insurance costs for the Tig next year and i am pretty limited in my optiosn due to my age and car choice.

I thought it would be good to have a comparison thread so we can see what type of cover people have, how much they are paying and who their providers are.

Feel free to add any extra information in if you like.

I am with ING and pay $616.48 p/year, with $300.00 basic excess. It is very hard to get a cheap insurance as you have to cover the VW options as well. This is the best I could get after my extensive research.

[Tigman66]

$680 with a multi-policy discount with NRMA.

It does depend where the car is garaged, some suburbs attract higher premiums.

[Sanman]

CGU are three years and you know about the 4 year one now.



There have been heaps of written off Golfs going through the auction houses and the same will apply to the Tiguan.
Water damage will see a car written off and there have been quite a few of these both salt and mostly fresh water.

OK. Didn't know that.

$541 RACV insurance Rating 1, no multipolicy discount, discount for long membership (Silver), market value, $500 excess

[clip]

When I added the mods to my policy I included all the labor charges etc. If you need to claim and you want to do the same mods to your replacement car this will, naturally, have to be paid all over again and there's no sense in you being out of pocket.

Good point Simon, I hadn't thought of doing it that way. Thanks! The Tig is coming up for renewal soon so I'll be re-calculating the agreed value for sure. Bloody hell, 12 months old already where does the time go? Almost time to start thinking about a new one

[Pullstarter]

I hear ya John, had mine for almost 7 months now and 10000kms, time flies when you're dubbin

[jimbomort]

ours $751 with windscreen cover and 500 excess.
This with with AAMI and rating 1 for life.
paid no extra for the APR chip mod.

From what I can see here that looks reasonable, but even allowing for the windscreen cover some others looked significantly cheaper, could be the postcode (know ours isn't one of the cheapest), but good to know, I'll have to checkout some of the other insurers mentioned here come renewal time.