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katwoman
4th December 2010, 03:10 AM
Nobody wants to insure my GU for agreed value. Market value is (apparently) between $10,000 and $15,000. I looked for months and coulndnt find a patrol for that sort of money.. Anyway, even though it is only slightly modified no one will touch it. Who do u guys use? Have tried Shannons and Ryno, as well as the usual. aami etc. They all say it is too old and not worth the money. (idiots) Like to see them buy one for under $15,000.:mad:

YNOT
4th December 2010, 08:53 AM
I've forgotten the name of the company but there is a specific 4WD insurance that is only available to 4WD club members. The premiums are up a bit but you get better coverage.
I'm with RACQ, never had a problem with them covering my car, but never had to make a claim either.

Tony

mike
4th December 2010, 09:08 AM
TCIS ins do it for 4wd club members,Cheers Mike

muzza22au
4th December 2010, 09:18 AM
Nobody wants to insure my GU for agreed value. Market value is (apparently) between $10,000 and $15,000. I looked for months and coulndnt find a patrol for that sort of money.. Anyway, even though it is only slightly modified no one will touch it. Who do u guys use? Have tried Shannons and Ryno, as well as the usual. aami etc. They all say it is too old and not worth the money. (idiots) Like to see them buy one for under $15,000.:mad:

Try QBE they are quite good.

Maxhead
4th December 2010, 10:38 AM
I have been with Allianz for a few years and no complaints at all, very good to deal with

Chris72GQ
4th December 2010, 07:14 PM
I am with the RAC here in WA,
mine is insured for agreed value of $13000
With 2 in lift, 33in tyres
And if you are a member of a club that is a member of yoour states 4wd assoc you can get your troll insured through TCIS as stated above

AB
4th December 2010, 07:56 PM
i'm just about to go down this path soon hopefully, so I'll be phoning everyone up next week.

I'll get back to this thread with how I went too.

Bigrig
4th December 2010, 08:01 PM
I have been with Allianz for a few years and no complaints at all, very good to deal with

Hey mate - what mods do you have and have you told them (Allianz)?? Reason being (and trying to assist you just in case you get caught in a jam) is that I had my insurance with Allianz cancelled yesterday (literally) after updating them of my suspension setup. They (unlike NRMA, Suncorp, RACQ, etc) will not insure the vehicle if it's had more than a 2" lift - ridiculous thing is (and I mean f'ing ridiculous) I had a 'saggy' 3" lift previously which they were aware of and have been covered for about 6 months, but updating the policy to include the new setup which is closer to 4", they have knocked me back and I am now on the hunt for a new insurer ... you might be fine mate, but seriously worth checking because if you have an accident and you are over 50mm (which they say needs to be "insured by a specialist 4WD insurer") then you may find yourself in a world of pain ... my best mate (I was his best man, he was mine, god father to my children) is an insurance broker and does all my insurance and this came direct from him yesterday!!!

Grrrrrr .... thanks Allianz for the inconsistency in your policies!!!

Finly Owner
4th December 2010, 09:01 PM
TCIS ins do it for 4wd club members,Cheers Mike

Can we sticky this post Admin, Mods?

Finly Owner
4th December 2010, 09:05 PM
I too am with RACQ, but have standard MK. All my bits and vehicle is for $6500.00 for 86 model not bad.

Tim

Woof
4th December 2010, 09:13 PM
Can we sticky this post Admin, Mods?

It is now stickied, good thinking Tim

Woof
6th December 2010, 02:33 PM
Well I just tried to insurance the Q with SGIO, told them it had a 4" suspension lift and running 35" tyres and it was probably, maybe, sort of, nearly illegal............well they had no idea it is was or was not so I checked and rang them back to cancel to cover note that they had organised for me.
When I rang the back the consultant had a meeting with some of the bosses there and they all agreed that they would not insure it.
So what do I do now, well I rang TCIS http://www.tcis.com.au/ and they will insure my Patrol with a 4" lift and running 35" tyres.........just waiting on the paperwork to be emailed to me.
Stay tuned.

Woof
6th December 2010, 03:12 PM
Just received the form, here it is if anyone requires it.

AB
6th December 2010, 03:52 PM
Just received the form, here it is if anyone requires it.

Thanks doggy, hopefully this will come in handy for muaa soon...lol

MudRunnerTD
7th December 2010, 12:00 AM
Who's got a big lift?? Mine is a "Heavy Duty lift" thanks guys

Finly Owner
7th December 2010, 09:34 PM
Who's got a big lift?? Mine is a "Heavy Duty lift" thanks guys

Good idea you've got there

Matmobile
8th December 2010, 12:30 AM
im not sure if they have shannons over there but they are good

JacquiO
12th December 2010, 05:37 AM
I got mine through CGU on agreed value they are worth a call, plus I got the extras added on to it.

Bigrig
12th December 2010, 08:44 AM
Well I just tried to insurance the Q with SGIO, told them it had a 4" suspension lift and running 35" tyres and it was probably, maybe, sort of, nearly illegal............well they had no idea it is was or was not so I checked and rang them back to cancel to cover note that they had organised for me.
When I rang the back the consultant had a meeting with some of the bosses there and they all agreed that they would not insure it.
So what do I do now, well I rang TCIS http://www.tcis.com.au/ and they will insure my Patrol with a 4" lift and running 35" tyres.........just waiting on the paperwork to be emailed to me.
Stay tuned.

Hey mate - what market value did they place on the car??? TCIS will underwrite the deal through a range of suppliers, but the reason they do it, is they slash the market value for insurance payout and then allow 50% in modifications - i.e. with Allianz, my market value was $10,700 and had an agreed insurance value of $15,000 due to the modifications ... the minute I informed them of a bigger lift (over 50mm) they could no longer do. TCIS quoted me a decent enough figure for the premium, but funnily enough, they underwrote through (wait for it ...) ALLIANZ!!!! The market value for the quote was $6,200 which meant I was allowed to add $3,100 in modifications to allow a total agreed value of $9,300 for the car ... RIP OFF ... for about the same premium (about $50 less actually) I got a straight agreed value through AAMI of $10,800 ... still not the best, but better than TCIS.

Not saying they are bad and they have a specific target market, but all I am saying is hunt around and you might be able to get a better deal ... I definitely did.

That is all now ... so stop reading ... no seriously, go do something else .... go on ... get .... lolol

Woof
16th December 2010, 06:53 PM
Well done Plassy, got to be rapped with that matehttp://www.nissanpatrol.com.au/forums/

Bigrig
16th December 2010, 07:26 PM
Got my amey renewal notice today and rang them up because the "agreed" value had dropped $4k and the premium was more than last year (up to $580). So here I am speaking to the lady and she tells me they can't agree to the $33k I had on last year's policy. Well after a bit of chat she starts asking for $$ values for the accessories listed on my policy. After giving her ball park figures on the accessories she then said she could agree to $33k! Woo Hoo!!

And to make things even better, she asked for my residential address because they only had my suburb and postal address on the policy (PO Box). When I gave her this information she said she could now offer this policy at $311!! What the?? Just dropped nearly half for giving her my home address (which they mustn't have asked for last year). Her explanation is that they used to base their risk assessments on your suburb only but now they can assess the risk based on exact address. Weird huh?

Anyway I was pretty happy with the outcome of this chat. Increased agreed value by $4k and dropped the premium by nearly half. It's not often I hang up from a conversation with an insurance company with a smile on my face.

Top job mate - nice to have a win!!!!

Macgyver
10th January 2011, 09:43 PM
Try RACV they have mine on an agreed value.

katwoman
15th February 2011, 11:43 PM
Just an update. RACV seem to have the better deal, they went agreed value at $16,800. Still want to do better, but some cover is better than none. As for mods, RACV say that as long as Vicroads say the car is RWC with those mods, it is good enough for RACV. So the lift ect is covered.

Finly Owner
15th February 2011, 11:56 PM
Nice win Kat

katwoman
16th February 2011, 12:02 AM
:animierte-smilies-fThx. Although I think Katrol is worth far less than what I paid for it..

Clunk
16th February 2011, 12:40 AM
I'm also with RAC with an agreed value and also extra for the bar work.

veeate
16th February 2011, 11:45 AM
there are GU's out there for under $15k. i just paid $11.5k for mine (stock as a rock but).. mines insured with RAC for about $12.5k.. i think the max they would go was about $14k..

i found SGIO to be good for agreed value with my HSV.. the most RAC would insure it for is $23k. but theres 4 SV300's for sale at the moment Aus wide and the cheapest one is $28k & thats got double the kms as mine ! SGIO came to the party with a max of $32k agreed value... maybe give them a go

katwoman
16th February 2011, 05:26 PM
there are GU's out there for under $15k. i just paid $11.5k for mine (stock as a rock but).. mines insured with RAC for about $12.5k.. i think the max they would go was about $14k..

i found SGIO to be good for agreed value with my HSV.. the most RAC would insure it for is $23k. but theres 4 SV300's for sale at the moment Aus wide and the cheapest one is $28k & thats got double the kms as mine ! SGIO came to the party with a max of $32k agreed value... maybe give them a go

THX for that. One thing I have noticed that cars are cheaper in the west ! Mine had a few extras and low km's, so I was willing to pay a bit extra. I was told by an Insurance broker once not to touch GIO with a barge pole. They would only offer $9,900. Will keep looking, see what happens.

veeate
16th February 2011, 05:33 PM
im pretty sure SGIO & GIO are seperate insurance companies arent they?

Bigrig
16th February 2011, 05:50 PM
im pretty sure SGIO & GIO are seperate insurance companies arent they?

They seem to be - separate website, buy you would think they are affiliated somehow ...

veeate
16th February 2011, 06:06 PM
They seem to be - separate website, buy you would think they are affiliated somehow ...

The name goes back to when they were operated by the government and they were the State Governent Insurance Office & Government Insurance Office. they were both privatised back in the '90s

Bigrig
16th February 2011, 06:34 PM
The name goes back to when they were operated by the government and they were the State Governent Insurance Office & Government Insurance Office. they were both privatised back in the '90s

You're a fountain of knowledge mate!

katwoman
16th February 2011, 10:12 PM
You could be right. Tried to get quote online from sgio and was redirected to racv or CGU.
So SGIO only for westies??

Finly Owner
16th February 2011, 10:54 PM
You could be right. Tried to get quote online from sgio and was redirected to racv or CGU.
So SGIO only for westies??
SGIO is owned by SuncorpMetway Bank

MQ MAD
17th February 2011, 09:11 AM
Wont touch suncrap,or shannons
Shannons are underwritten by suncrap now
They are all thieving bast*rds
Theyll all take ya money and come up with some BS not to pay
My GQ is insured for its current market value of 8K
Yep a 1997 GQ with just on 200K is worth 8K
Fell of the chair larfin
Mite have to look for an upgade i think,especially with the rocketing prices GQs are goin for

nowoolies
17th February 2011, 09:21 AM
got both my Nissans with Allianz never had a problem last claim was $27,500.00 after i hit a cow, they paid up not a problem on the spot.

damianovdd
17th February 2011, 06:05 PM
Hi,
if not secret, what is your contribution to the insurance amount, say, 10 000.
Here for insurance in the amount 8287 need to do contribution about 690. (write in AUD)

I think here that there is not a problem do make an insurance for 100 000 (the insurer will get the money), but if something happen, they just won`t pay the whole sum...


not really sure if you understand my post, but when i translate what i had write (from Eng to Bg, and i do this only for check) the translator send me a mess...
sorry

the evil twin
17th February 2011, 09:26 PM
Hi,
if not secret, what is your contribution to the insurance amount, say, 10 000.
Here for insurance in the amount 8287 need to do contribution about 690. (write in AUD)

I think here that there is not a problem do make an insurance for 100 000 (the insurer will get the money), but if something happen, they just won`t pay the whole sum...


not really sure if you understand my post, but when i translate what i had write (from Eng to Bg, and i do this only for check) the translator send me a mess...
sorry

I think I get what you mean. If I do understand then here in Aus it is called underinsuring and it means that if you are under insured by say 25 % and have an $8,000 loss then the Insurer only has to pay $6,000. For example if you have $40,000 exposure and insure for $30,000 the the Insurer doesn't have to pay the full amount of any loss up to $30,000 but only 3/4's of the loss ($30,000/$40,000) prorata.

Rick
21st February 2011, 12:33 PM
Iam with qbe as they where the only people that would give me agreed value after the 6.5 chev engine went in

katwoman
21st February 2011, 09:32 PM
Iam with qbe as they where the only people that would give me agreed value after the 6.5 chev engine went in

Thanks for that. Another one I havent tried. TCIS wouldnt come to the party. The best they would do is $12,000. RACV are sh*tting me already..

snicko
19th April 2011, 07:47 PM
This forum is awsome, the more I keep looking the more things I find that I have questions about.

Because of what happened with Kris (getting his bike stolen) I have been a bit anal about security with the 4bee.
I looked into Sat nav GPS, alarms etc then the next logical step is insurance. (I have calmed down a bit now!!)

This post is exactly what I was looking for as I wont to insure the truck for agreed value. I down loaded the quote request and will use it.

Thanks heap guys.

Bacho86
20th April 2011, 12:49 PM
I found TCIS to be useless as well! Because of my age they wanted to charge me $2800 for comp insurance! Ended up going with AAMI, on first quote they would only insure for $12K, however after detailing all the accessories on the vehicle i managed to get it up to $17,200 coverage for $1,400 a year - I originally wanted $19,500 coverage, but that's the best they would do.

flemj
26th April 2011, 08:25 PM
I have just requested a quote through Affinity Insuraqnce. They have a new 4 wheel drive section.

Give it a try.

John

YNOT
26th April 2011, 08:32 PM
I have just requested a quote through Affinity Insuraqnce. They have a new 4 wheel drive section.

Give it a try.

John

Let us know what you think when you hear back from them.

Tony

Cuppa
26th April 2011, 10:30 PM
I had the same issue with our 18 year old Troopy. We paid about $3k more than the highest book price & wanted to insure it for what we paid, agreed value. However Shannons were the only company who would insure it for what we wanted - expensive premium though. Just insured the 5 year old GU for twice the value of the Troopy (agreed value again) with another company (APIA) & the premium was close to half that for the Troopy. Crazy!

Cuppa

Timbo
31st May 2011, 03:22 PM
BUMP!

How does everyone go insuring their 4WD's on tracks?

Main reason I haven't been insured for years is because I couldn't get anyone to cover me on Tracks. RACV became really sketchy when I told them I 4WD on tracks and that I had modifications to the vehicle. I was basically told they wouldn't cover an accident out in the bush.

Do you guys/gals tell them what kind of driving you do? Do you actually know if you're covered if you roll your car out on a track? Or even hit a tree or something similar?

Be interested to know!

Bigrig
31st May 2011, 03:37 PM
BUMP!

How does everyone go insuring their 4WD's on tracks?

Main reason I haven't been insured for years is because I couldn't get anyone to cover me on Tracks. RACV became really sketchy when I told them I 4WD on tracks and that I had modifications to the vehicle. I was basically told they wouldn't cover an accident out in the bush.

Do you guys/gals tell them what kind of driving you do? Do you actually know if you're covered if you roll your car out on a track? Or even hit a tree or something similar?

Be interested to know!

AAMI cover me so long as it's State/National Park, gazetted road, and/or private park.

Timbo
31st May 2011, 05:44 PM
I had a reasonably priced quote from AAMI through the online quote system.. not too long ago actually.

Might call them up and ask properly. Sounds like a good deal.

Sounds good BigRig.. so is the Patrol covered in the case of a write off (god forbid) on named tracks? Or is that only on bitumen?

Bigrig
31st May 2011, 05:50 PM
I had a reasonably priced quote from AAMI through the online quote system.. not too long ago actually.

Might call them up and ask properly. Sounds like a good deal.

Sounds good BigRig.. so is the Patrol covered in the case of a write off (god forbid) on named tracks? Or is that only on bitumen?

Fully covered so long as I'm not trespassing ...

Timbo
1st June 2011, 08:50 AM
Fully covered so long as I'm not trespassing ...

LOL.. you would never trespass in your 4WD so you're fine!

Bigrig
1st June 2011, 09:01 AM
LOL.. you would never trespass in your 4WD so you're fine!

Ummm .... yep, sure ... lmao

hekarewe
1st June 2011, 10:27 AM
we have both the wifes tiida and my patrol covered by progressive direct http://www.progressiveonline.com.au the are an online only insurance company and have both vehicles covered for agreed market value even with the mod's on the patrol i believe the patrol is covered for close to 40K this an 03 GUIII 3.0LT. the wifes car is coveredfor about 18K and when she put in claim for damage done by our removalist (who managed to clean it up whilst delivering our furniture) it was all done on line and i think 2 or 3 phone calls to there one operator her car was fixed in no time and they gave her a rental to run around in as well. the premiem is dirty cheap compared to most because it is all done online and from memory we both cars done for the same as it was going to cost us for the patrol by its self with most of the main line companies.

tracemul7
8th June 2011, 06:39 PM
Hi All,
Just renewing the Patrol Insurance at the moment! Cant believe we've had her almost a year!!!
Anyways, we're with AAMI, and always found them to be good (1 car stolen and other written off within a week of eachother - and they were great on both claims).
But the renewal came through with agreed value of $7350 :( We could never replace her and the extras for that - so i called them up and explained that.

They added value to the extras (cargo barrier, bull bar, spots etc) and the agreed value went up to $7700 - still not enough.
Also made some changes to the policy (removed hire car etc) and saved nearly $15 a month ($65 from $79).

However the lady informed me that after 16th June they can insure you for whatever value you request (within reason i assume, and obviously there will be an additional premium for this).
So after 16th i'm gonna call up and ask them to increase to $10,500, and see what the extra premium is going to be.

Will let you all know :)

tracemul7
17th June 2011, 09:24 AM
Just an update on the above post . . .
I spoke to AAMI yesterday about this, and they have increased the Agreed Value to $10,000.
My premium has increased by $5 a month to $70 a month now - but i'm alot happier that we are covered for more :)

JohnH
10th July 2011, 01:26 AM
Very interesting thread... I had a look at the TCIS website and it says " Modifications No restrictions applied to vehicle modifications providing the vehicle remains legally roadworthy." http://www.tcis.com.au/html/fourwheelmotor.htm

Are TCIS sticking to this or covering vehicles lifted more than 50mm (which is techically illegal / unroadworthy in most states)? What does the fine print in their policies say?

TUCK
21st August 2011, 05:51 AM
Very interesting thread... I had a look at the TCIS website and it says " Modifications No restrictions applied to vehicle modifications providing the vehicle remains legally roadworthy." http://www.tcis.com.au/html/fourwheelmotor.htm

Are TCIS sticking to this or covering vehicles lifted more than 50mm (which is techically illegal / unroadworthy in most states)? What does the fine print in their policies say?

This led me to check out TCIS as well. I found the site a little confusing, was it only for members of 4x4 clubs or generally available ?
On the legality thing - My best guess is you would have to be within the letter of the law in your own state or they would have an out.

Cheers, Tuck

Boofa
21st March 2012, 09:44 PM
im with allianz too they were cheapest for mine and offered choice of agreed or market

Stropp
22nd March 2012, 12:34 PM
just got a quote from aami for 2004 patrol dx 4.2 for agreed value 35k for $546 so happy with that.

Winnie
22nd March 2012, 12:43 PM
I hate being a P plater. My Patrol is insured for 10k with RACV and I pay $140 per month with a $1500 excess.

Nixon
23rd March 2012, 03:14 PM
TCIS in SA specialise in 4WDs and camping gear. eg if some feral steals your camping gear when out & about. I have their covernote and details on my email as a pdf. Just need someone on the forum to tell me how to add it to the post ??

Nixon
23rd March 2012, 03:28 PM
I think that I have attched the TCIS cover note which has contact details. The extras are good as they cover your fridge and extras etc

grimace
28th March 2012, 09:31 PM
g'day people i am insured with AAMI payed $27,000 and i have spent about $10,000 all of my accessories are covered and i managed to get an agreed value of $50,000! i am very happy with this and it costs me $87.50 monthly which i think is fair. a few years ago i had a 1998 gu with a few bits and pieces (lift, 33s, lights etc) managed to get that insured agreed value of $20,000 and which i am sorry to say also had to claim for she was stolen. AAMI payed out within 2 weeks and i have been with them ever since, before that i was with ALIANCE and there was a car park bingle which was clearly not my fault but they turned around and called it a ("grey area") and were happy to fix my truck which was quoted at $960 if i payed the excess which was $1500 F@ck that! dropped them on the spot!

DSPIES
9th April 2012, 05:48 PM
So i have had a busy afternoon. quotes were for a gu 4.2 diesel wagon, 2004 (i'm 29 - perfect driving record). I made a few insurance calls today and this is what came out in the wash:

CGU and QBE would only offer agreed value of about $32,000 and QBE was a whopping $2529

Budget direct cost $1075 with agreed value around 35,000.

RACV which is NRMA cost $1653 with 35000 as agreed value.

AAMI was $1072 with agreed value of 36,660.

GIO were my favoured option costing $1131 but offered agreed value of 40,300.

All the quotes were online quotes with bulbar and a couple of other mods when the insurer asked. Annoyingly only GIO provided an agreed value over about 35000. While this is accurate for an unmodified patrol of that vintage with high kms I think a 2004 GU with low kms and a few mods is worth more.

Lastly I looked at TCIS but their online quote system was a PITA.

Hopefully this info will help some of you save some time when you're shopping around.

Now i just need to find a decent GU on the market long enough for me to snap it up.

DSPIES
17th April 2012, 07:07 PM
So i finally had some luck with TCIS... well kind of.

The quote i was sent was completely wrong. they gave me a quote for a 3lt instead of a 4.2 and wrote the year in wrong. they also made me a rating 6 when all other companies gave me rating one.

When i called i felt like i was talking to some girl in her parents shed who didn't know what she was doing.

After a brief chat and another couple of emails i managed to get them to fix the quote. It was $1670 with agreed value of 38k and i became a rating 4 (still not good enough).
they didn't answer any of the questions i asked in subsequent emails.

Anyway the point is, if you are with TCIS maybe just give them a test call to see if the person that answers the phone would be able to help you after you are in a bit of trouble. They didnt exactly instil me with confidence. If they can't organise an insurance quote without 4 emails and 2 phone calls, i can't imagine how they would help me if i was back of Bourke and something had gone bottoms up.

Safe Wheeling.

seahorse
13th May 2012, 08:18 AM
I know exactly how you felt talking to the girl in the shed, I got quotes for my recent update to a 99 4.2 diesel gu. Took 3 phone calls and 3 diferent girls. Each time I rang I got them to read what details the previous girl had written and it was always wrong. Still couldnt insure it for what I paid. It makes it hard to work out a real value for what patrols are worth??? Now I have the opposite problem trying to work out how much to sell the old 90 gq 4.2 diesel, DX 205K owned for 20 years .

nissanluvr
13th May 2012, 07:44 PM
G'day all i have a gq ute with allot of mods 6inch lift 35s turbo etc and im with elders insurance agreed value 25000 its little bit more pricey but there always been great with claims and never argued over anything i do been with them for 5 years and had allot of claims and different vehicles.

bend089
26th May 2012, 07:15 AM
I Insured my GQ For 250 a year third party fire and theft, nice and cheap compared to comprehensive.

Bazhemps
29th May 2012, 01:18 PM
Hi All,
Have you tried Coles Insurance (underwritten by Westfarmers) For my GU agreed value $22,000.00 / $480.00. $30.00 cheaper than Shannons but went with Shannons as had a credit from previous vehicle. Coles for the Wifes' I30, Agreed value $18,000.00 $220 cheaper than youi including free roadside assist, monthly 3x current petrol docket off fuel. Worth a look.
Baz

PATmyROL
5th November 2012, 01:39 AM
I've got my 99 gu 2.8lt with a few mods, lift kit, winchbar dual dvd screens, leather interior, drawers etc. I'm insured with Just Car Insurance (underwritten by AAMI) and they advertise specializing in modifications and younger drivers. I'm 29 perfect record and managed to get agreed value of $18000 paid $16500 after a long phone conversation explaining the difference between a 3.0lt and anything else, ended up getting him to search carsales over the phone. He first came back and told me most were selling for around 10k, told him he was full of it and gave him the correct search parameters and finally agreed that there is a massive difference. Full comp I'm paying mid 600's an am quite happy but will check out TCIS when I'm next due.

Sunexim
20th November 2012, 09:34 PM
Can anyone please tell me ,
what is the difference between 3rd party Insurance and 4th Party Insurance? Please guys tell me about this

Clunk
20th November 2012, 10:49 PM
Can anyone please tell me ,
what is the difference between 3rd party Insurance and 4th Party Insurance? Please guys tell me about this

You'll need to speak to your insurance companies from your country as our terminology and insurance will differ to yours

Don't stroke it, TAP it!!!!.....

mudmav
5th January 2013, 08:02 AM
Racv were over a grand for my 94 td turbo 4.2 auto low ks policy and would only insure for 6 grand , toldem the motor was worth that and if they could get one for 6 grand id take a dozen , ended up with shannons 13k agreed plus extras for 700 odd .

seems to be hit and miss from what im reading from a lot of insurance co,s

DSPIES
22nd April 2014, 11:29 AM
Just thought i'd give an update on a topic most people find of interest.

DGA will no longer insure my 4.2 for agreed value as its just clicked over 10 years old. - they didnt mention this, but i check my insurance every year so this is a good time to give them a call if you are unsure!

I've done a bit of looking around and GIO and AAMi will give me the highest agreed value at 44070 including accesories.

I'm still waiting on TCIS but i know last year they couldnt match DGA.

Winnie
22nd April 2014, 12:15 PM
I want to change from DGA now, they started off really good but keep changing their policy on me and will insure me for less and less as time goes on. I don't mean a little bit either, I mean a lot. I was insured for about 32k and has now gone down to about 10k. It costs me less now but I would rather pay more and have the cover I did.

kevin07
22nd April 2014, 01:02 PM
I have been with Allianz for a few years and no complaints at all, very good to deal with

yes Allianz are good but the moment you put any performance enhancing equipment on there off and running

kevin07
22nd April 2014, 01:04 PM
try commsure or nrma nrma will do anything you want.

Wizard52
24th April 2014, 11:01 AM
After many phone calls and online enquiries, NRMA were highest agreed value and cheapest for my ute only last month. $545 for $38600 from memory.

Woof
24th April 2014, 08:23 PM
Do not go near TCIS:
Before oamps joined/took over I was paying $56.69 per month which was $680 per year in total payments
Now with oamps I am quoted $1043.33 per year…………………tossers

Got a reply to my rant with then today:

Wayne

The premium is due to exceptional claim circumstances on the Enthusiast portfolio, it is not due to us merging with OAMPS, all the Enthusiast polices have increased. We did requote with Allianz for a premium of $414.76, however we can only cover vehicles over 10 years old at Allianz for market value.

To hell with them

Avo
11th June 2014, 06:07 PM
just ringing around for both mine... with SGIO Gu 2010 $1 177.95 premium and 800 excess insured for 42,700
Gq 1993 $ 424 forgot the rest insured for 9,300


And with the RAC for the Gu $736 premium and 650 excess insured for 42,700
Gq $240 premium and 500 excess insured for 9,300

tracemul7
15th June 2014, 08:19 PM
Hey All,

I just called AAMI about our Patrol renewal. 2006 GU with some extras. Market value was $25,000 - changed to agreed value of $28,000. With $450 excess and included windscreen cover.
Original renewal was $127 per month (ouch), but by removing me as a listed driver as I usually only drive it once a fortnight (if that) ..... this reduced it to $98 !!!

Apparently 28yr old females seem to be 'high risk' for a 4x4 at almost $30 a month!

As AAMI still cover occasional drivers, they totally agreed that driving it less than once a fortnight I don't need to be listed.

So be careful if you really need to list partners/occasional drivers on there!

Trace

ozjeff
21st June 2014, 08:50 AM
Just going through this process today.

With those that chose 'normal' insurance policies (not 4WD specific) does this also cover you for any off-road activities? i.e. high tide swept your baby away on the beach, that river crossing was a bit deeper than the path you walked, you played roll down the hillside, a croc stole your Patrol up the cape.....

NRMA have worked out cheapest for me at $463/yr for $16K agreed (but not the biggest NRMA fan). AAMI 2nd at $564 (or $662 at $18K agreed). Coles was actually the dearest at $1000


Jeff.

ozjeff
21st June 2014, 10:52 AM
Oh also tried Allianz, given the vehicle is over 10 years (GUII) they can only do market value. I asked if they can tell me what that is, he did say around the price I paid, but based on condition of car when assessor sees it. Given others have this around $12K - I wasn't keen on market value given all the extras, new motor in it etc.

So went with AAMI at $18K agreed. They said 4X4 is covered on legal roads, tracks, beaches etc where 4x4 is permitted. Will have to read the PDS to confirm and can always change during the cooling off period.

firm351
21st June 2014, 11:33 AM
I've just renewed mine with AAMI, $609/year $400 excess insured for $41000. 2009 ST with a couple of extras.

ozjeff
21st June 2014, 01:07 PM
I've just renewed mine with AAMI, $609/year $400 excess insured for $41000. 2009 ST with a couple of extras.

Love how they charge a similar amount yet yours is valued at $23K more.

Drewboyaus
22nd June 2014, 05:39 PM
I'm with Shannon's. Top $ agreed value on my GQ (and it's a petrol too) and I'm paying about $770 per annum.
Will recover from any gazetted road or track.
Very happy with them.

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Winnie
22nd June 2014, 06:10 PM
I have spoken with Shannon's twice and they were not interested in insuring my 4wd, that was before I had told them I was 21 too.
They said it's not really their thing and I should look for a 4wd insurer.

Drewboyaus
22nd June 2014, 07:14 PM
I have spoken with Shannon's twice and they were not interested in insuring my 4wd, that was before I had told them I was 21 too. They said it's not really their thing and I should look for a 4wd insurer.

That's right, I do remember you saying that before, now you mention it.....
So odd. They have been really accommodating for me. I know a number of other guys from one of the FB groups also use Shannon's after this subject was discussed over there.
Do you want me to send you the details of the dude I dealt with?

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Winnie
22nd June 2014, 07:28 PM
PM sent Drew, cheers.

Drewboyaus
22nd June 2014, 07:45 PM
PM sent Drew, cheers.

No worries. I'll go through my emails tomorrow mate and forward you the details.

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Winnie
22nd June 2014, 07:48 PM
Thanks mate. I am with DGA at the moment and they are not what they once were!

Avo
22nd June 2014, 08:19 PM
I've just renewed mine with AAMI, $609/year $400 excess insured for $41000. 2009 ST with a couple of extras.

mate I just typed in my car details and got quoted 1100 and 600 excess for cover on the wifes 2010 gu7 and only insured for 39 200

firm351
23rd June 2014, 10:47 AM
mate I just typed in my car details and got quoted 1100 and 600 excess for cover on the wifes 2010 gu7 and only insured for 39 200

That's bullshit mate especially where you live I reckon the risk of theft or damage would be heaps higher in Perth than pemberton. Give them a call and talk to someone, I've found you can get a heaps better deal if you speak to someone rather than online. I've got house and contents and another car with them so maybe that helps get the price down.

jack
23rd June 2014, 01:23 PM
Well I'm a happy camper, just swapped to RACV last month and only $628.60 for 12 months with $60,000 agreed value, $625 excess.
I'm rating 1 and do get a multi-policy discount and the claims I made in the last 12mths didn't effect my rating as it was with a different insurer.
Also covered Australia wide.

Sometimes it pays to be one of those old baby boomer pricks.

NP99
24th June 2014, 09:32 PM
Hey All,

I just called AAMI about our Patrol renewal. 2006 GU with some extras. Market value was $25,000 - changed to agreed value of $28,000. With $450 excess and included windscreen cover.
Original renewal was $127 per month (ouch), but by removing me as a listed driver as I usually only drive it once a fortnight (if that) ..... this reduced it to $98 !!!

Apparently 28yr old females seem to be 'high risk' for a 4x4 at almost $30 a month!

As AAMI still cover occasional drivers, they totally agreed that driving it less than once a fortnight I don't need to be listed.

So be careful if you really need to list partners/occasional drivers on there!

Trace

Or make sure your wife is older than 28 :)

lucus30
24th June 2014, 11:37 PM
Or make sure your wife is older than 28 :)

You have it backwards I'm sure most blokes would be happy to pay more for insurance if their wife was under 28

tracemul7
25th June 2014, 10:49 PM
Or make sure your wife is older than 28 :)
Well i'll be 29 in 2 months..... if that counts :P


You have it backwards I'm sure most blokes would be happy to pay more for insurance if their wife was under 28
Guess my hubby wants best of both then ..... wife of 28 and cheaper insurance! :D

lucus30
28th June 2014, 04:11 PM
Yeah my wife is 28 so no cheap insurance for me either

mojo53
5th September 2014, 10:18 AM
I am with Allianz as well and no problems so far, but not had a claim either

katwoman
5th September 2014, 06:31 PM
I am now with Shannons.
All they ask is to prove you are a 'motoring enthusiast'.( I insured my other car with them as proof) Had a claim 2 weeks after joining, when Katrol slipped, no dramas at all. Agreed value and $550 excess.
Happy, happy.

NP99
6th September 2014, 06:15 PM
I just swapped from suncorp to dodo and saved $130 off the yearly premium.

NewDan
14th September 2014, 05:27 PM
Just got my renewal from AAMI, last year they insured it for 43k, this year they want to insure it for 33k. Looks like its time to start looking around.. theres no way I can replace it for 33k with all the extras.

gubigfish
14th September 2014, 09:02 PM
Ive ensured my GU with Shannons that were very competitive on price and they will do agreed value

Covo71
15th September 2014, 06:43 AM
I used DGA insurance brokers. Fully insured on and off road. I am in NSW but they are in Vic.

fish_sparky
15th September 2014, 12:40 PM
My 2004 STL with all the goodies costs $750 for $35k agreed value in nz.
I was pleasantly suprised.

tracemul7
30th September 2014, 12:37 PM
Just got my renewal from AAMI, last year they insured it for 43k, this year they want to insure it for 33k. Looks like its time to start looking around.. theres no way I can replace it for 33k with all the extras.

Hey NewDan - we're with AAMI too ... try giving them a buzz, they will adjust the agreed value, and sometimes it isn't too much extra for that!
Also is there anyone else on the policy. Hubby is main driver, and I was a named driver (but rarely drive it). Removed me as a named driver and saved $30 a month!! And i confirmed that occasional drivers dont need to be listed (drive it less than once a fortnight, plus trips away).
Also, with AAMI, every insurance renewal, I call them about it, and they drop the price every time! I just ask them why it's gone up and if there is anything they can do to reduce it.

Drewboyaus
30th September 2014, 05:37 PM
The Chaser did a great "The Checkout" special on insurance, you should see if you can find it and watch it.
In a nutshell, if you don't ask for a reduction on your premium, they will rip you off. That is their plan.

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Gu joe
2nd October 2014, 07:49 AM
I got my troll for 650 through youi.

hempo
3rd October 2014, 04:53 PM
I have mine with Allianz. I am an insurance broker any we place nearly all of our sedans, wagons etc with them as they are by far the best we can deal with for claims service and handling on light vehicles i.e. anything under 2 tonne carry. With pricing you need to appreciate you could get 5 different quotes all underwritten by Allianz from different sources all of which have different price, excess, and policy coverage. Allianz online, via a broker, via a car dealer, via the bank etc

Other than NRMA you will need to list all accessories on the vehicle.

Those with Agreed Value be aware there are changes happening. The Agreed Value may not necessarily be what you get paid if written off. Some insurers are currently changing their definition of Agreed Value essentially providing Market Value. There is nothing wrong with Market Value as I have always insured this way.

A few Direct insurers are imposing high excesses to keep the premiums down as well as none of the benefits others provide such as Excess free Windscreen, Rating 1 protection, signwriting etc

Pretty sure Shannons won't insure business use vehicles.

At the end of the day there are only a handfull of Australian insurers left and the South African companies are desperately trying to obtain market share. IAG and Suncorp have the bulk of the Motor and Domestic insurance in Australia. Something like 80% from memory. Allianz and QBE are the 3rd and 4th largest insurers in Australia then Zurich come in a long way off at 5th (Zurich don't do personal motor only commercial).

We often have clients say I don't like this brand or that brand, what most don't realise is that it is most likely an IAG or Suncorp brand - and now A&G or Budget (both South African). Just look at their websites to see their brands.

On another note IAG and Suncorp won't be a part of the Comparison Websites which are huge in the UK. Budget operate one of the comarison websites in Australia and have been in trouble by ASIC for their advertising. How can you offer a Comparison Website when there are only 4 or so brands and they are all owned by the same company i.e. Budget?

Anyhow, that's my update on the insurance industry for you in a nutshell. At the end of the day like everything you get what you pay for.

If someone asks me for a discount on their car insurance I simply say no, try the direct insurers. There is no profit in car insurance at all whatsoever and hence the premiums keep going up and up. We try to do as little private car insurance as possible because there are just too many claims.

Drewboyaus
3rd October 2014, 08:37 PM
^^^very interesting insight, thanks.

Having just dealt with QBE on the side of the road tonight after a reasonably major crash with the family on board.......they were effing useless and I wouldn't personally insure with them if I had the choice (it is a company vehicle with company chosen insurance).

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katwoman
3rd October 2014, 09:00 PM
^^^very interesting insight, thanks.

Having just dealt with QBE on the side of the road tonight after a reasonably major crash with the family on board.......they were effing useless and I wouldn't personally insure with them if I had the choice (it is a company vehicle with company chosen insurance).

Sent from my iPhone using Forum Runner


Hope no-one was hurt....

Drewboyaus
3rd October 2014, 09:04 PM
Hope no-one was hurt....

Not obviously thanks Kat. We'll have to all go and get checked out though as it was a bloody decent wallop from behind.

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katwoman
3rd October 2014, 09:13 PM
Not obviously thanks Kat. We'll have to all go and get checked out though as it was a bloody decent wallop from behind.

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Good to hear.. Does scare the crap out of u tho.

porkroll
3rd October 2014, 09:43 PM
Nobody wants to insure my GU for agreed value. Market value is (apparently) between $10,000 and $15,000. I looked for months and coulndnt find a patrol for that sort of money.. Anyway, even though it is only slightly modified no one will touch it. Who do u guys use? Have tried Shannons and Ryno, as well as the usual. aami etc. They all say it is too old and not worth the money. (idiots) Like to see them buy one for under $15,000.:mad:

Talk to shannons, ppl say they are more expensive but they're not really, others make you pay extra for extras ( lol) but you get it all with shannons, not extras just a part of the policy, they insured is always agreed, and it was easier for the guy to tell me what I was not covered for rather then what I am, being everything, included contents of car trailor and contents, didn't cover for driving in time attack, & or closed roads, that was about it, insured for $14700 and as for mods adds to value if legal, had a few cars with them never had a problem, oh and I think it's $900 & something a year and no extra for monthly etc, and I'm in no way have anything or work for or with them.
Hope this helps, cheers

jack
3rd October 2014, 09:45 PM
I have mine with Allianz. I am an insurance broker any we place nearly all of our sedans, wagons etc with them as they are by far the best we can deal with for claims service and handling on light vehicles i.e. anything under 2 tonne carry.
Sorry hempo,
I have to disagree with you re Allianz, they are by far the worst insurance company I have ever dealt with and would never recommend them. I went with them even though they were over $100 dearer on the quote on the advise of my insurance broker. Reason was they offered complete new replacement for the first two years as my car was brand new. I had to list all my accessories etc.
All was good until I had an accident that wasn't my fault, you can read about it in one of the other posts. The other driver admitted liability in front of witnesses, nearly six months later he changes his mind and makes a claim against me. Cut a long story short Allianz threw me to the wolves and sided with him, this was my first claim in over 40 years of driving. No interest in the independent witnesses as they didn't actually 'see' the accident just heard him admit liability afterwards. They were complete idiots and couldn't even work out where Cape York was, said I should have called the Police. I wasn't expecting to hear from the other driver again as he admitted liability, also they couldn't fathom that there were no Police within 300km. They also told me it wasn't unusual to have claims come in 6 months later.
My insurance broker and I fought tooth and nail but Allianz said they would not cover my legal fees if I went to court. My damage was minimal to the back of my caravan, I ended up paying the excess as it was the cheapest option. The insurance ombudsman said I had a case but by this stage I was well and truly over it.
When my renewal came it went from $600odd to $2,400 - just to get rid of me.
Went back to my old insurer and still have agreed value of $60,000 for $600 odd, and they know I made the Allianz claim.

Also my insurance broker is also my son and has been in the industry for over 12 years so he had my best interests at heart.

katwoman
3rd October 2014, 10:41 PM
Talk to shannons, ppl say they are more expensive but they're not really, others make you pay extra for extras ( lol) but you get it all with shannons, not extras just a part of the policy, they insured is always agreed, and it was easier for the guy to tell me what I was not covered for rather then what I am, being everything, included contents of car trailor and contents, didn't cover for driving in time attack, & or closed roads, that was about it, insured for $14700 and as for mods adds to value if legal, had a few cars with them never had a problem, oh and I think it's $900 & something a year and no extra for monthly etc, and I'm in no way have anything or work for or with them.
Hope this helps, cheers

You are absolutely correct. I have been with Shannons for a few months now, and were easy to deal with when I had a claim after only 2 months with them.

hempo
4th October 2014, 11:55 AM
sorry to hear about that Apollofish, as you noted though paying the Excess is the only way if the other party disputes. If it does go further an your insurer wins then you are entitled to your excess back. However if the courts apportion the blame then no excess refund.

Sorry to hear Drewboyaus, glad everyone is okay. I had my previous car with QBE for a year, claimed a windscreen they tried to get me to pay my excess. I said no I had cover, they said no you don't, what the person on the other end didn't realise was I was the broker and logged directly into the claim from my end and can read everything they could. Don't you love arguing with someone when you are both reading the same thing? They eventually waived the excess. I try not to put car insurance with QBE.

Kai4x4
4th October 2014, 07:36 PM
I work for suncorp group as a liability. Recovery and settlement person I spend everyday speaking with other insurance companies and if I had to pick my top 3 worth companies youi would be first I would never insure with them as they have the highest rate if being issued legal proceedings against them and the court docs are served on the driver not the insurance company 2nd would be Qbe they are poorly trained and dont really undrrstand there own system. 3rd would be just car insurance (suncorp own this brand and yes I do work for them) there coverage is shit and there are so many loop holes for alot of basic stuff.

Dave_H
4th October 2014, 09:32 PM
I've been with Allianz for 5-6 years and have had 2 claims and have had no issues at all.

I pay $1032 a year for An agreed value of 35k for with Allianz but have just completed a quote from real insurance for the same value but driven less K's

49910

I think i may need to look into this a bit more.

Kai4x4
4th October 2014, 09:49 PM
You need to be careful cause if you only have coverage for 8.
,000 km you cant increase it it you hit it in like 4 months after you reach the amount your cover is over and you need to start a new policy or they wont cover you

Dave_H
4th October 2014, 09:55 PM
I just brought another car for the missus so this will be lucky to do 8000 but ill prob go to 10,000 just to be safe which only makes it around $620, still major difference from $1032

katwoman
8th May 2015, 11:31 PM
For those that are interested, 4wd Action issue 233 have an insurance comparo this month..

lucus30
9th May 2015, 07:12 AM
For those that are interested, 4wd Action issue 233 have an insurance comparo this month..
Yeah I noticed that I'll take a look

Sir Roofy
9th May 2015, 07:32 AM
Its a mine field out there ,I think the brokers might be the go like Affinity or AJG theres also a good story in 4wd touring
issue 32 it will open your eyes and make you think am I realy insured

morton2478
9th May 2015, 09:06 AM
Very interesting read there guys am currently with alliance but considering a change to shannons as i have heard they have a lot better policies for 4wders

bsteveo
30th June 2015, 08:09 PM
I just insured my '06 GU IV through bingle who were the cheapest apon comparing through different insurers.

Stevelb21
4th July 2015, 11:41 AM
Yeh just insured my through Bingle as well $549 compared to $999 with the NRMA, I'd rather the extra $450 in my pocket than theres

vfamily
4th July 2015, 01:32 PM
I am through a broker cost 1k includes 3k for camping gear, hire car, windscreen etc etc, but covers you absolutely any where none of this gazetted road crap, as I do a fair bit of camping/4wding on farms/private property most insurance company's will not cover you if there policy mentions gazetted roads etc.
I have been stung by nrma and would not touch them with a ten foot pole.
Cheap insurance is great if it covers how and where you use your vehicle and the mods that you have done its worth reading the fine print.

Patrol'n
6th July 2015, 11:48 PM
I am with Shannon's, i have insured other cars with them before and had to make two claims (neither was my fault and hopefully I don't have to make any more claims in the future!), and they were really good to deal with both times. Their premiums are comparable to other quotes I got, and they cover me for the agreed value of my truck and accessories. (Even my fridge since it's fixed in the vehicle).

The cover was explained to me by their rep quite simply. He told me to think of it this way, if I haven't paid to be there, (like a competition), and I am legally allowed to be there (not trespassing etc), then I am covered. Way better than the old gazetted roads only cover I had previously. Just my opinion...

Robo
9th November 2015, 11:15 AM
Has any one tried the new mob Pat Callahan is pushing?????.
wanting to feel this out before I went any further!!
you add up the extras you have + Including the labor cost of them being replaced, along with all the other usual questions.

Just did a online quote, (no human interaction) their suggested market value of $26.700 on the 02 td42t with extras came just under $44k.
$101.40 mthly or $1100 yearly, excess $850.
its around the same price shannons want for far less cover & with a much shorter list of extras about $30k , and that includes a multi car discount.

it included hire car to a $ value. recovery gear think $1200 .choice of repairer few other bits I lost link/page some how!,( going by memory lol).
Don't know for sure, due to online as stated above if that covers off rd, but imagine so for gazetted, legally allowed, need to look into it further.
WHATS YOUR THOUGHTS PEOPLES.

Winnie
9th November 2015, 11:16 AM
What are they called? Sounds really cheap!

Bacho86
9th November 2015, 11:40 AM
What are they called? Sounds really cheap!

Club 4x4 I think

http://www.nissanpatrol.com.au/forums/showthread.php?35468-Club-4x4-Insurance-Anyone-used-them&highlight=insurance

Robo
9th November 2015, 11:55 AM
I was thinking cheap but after reading here about infinity and dga!.
not sure I would need to contact them also to confirm.
think I'll also be putting the hard word on Shannons, being over charged for the amount covered, going by what I read on the forum.

GeeYou8
22nd December 2015, 08:09 AM
I had RAC (WA) for the GU2, when I was ready to get the GU8 I went on line & got their quote, I also rang them as they mentioned continuous cover and was told I just needed to give them the details of the new car & it would all be sorted.
I rang them while I was sitting in the dealers and RAC told me they will not insure a car that is post 2012 without a 4 star crash rating. The dealer arranged Allianz for a bit more than the RAC quote.

ForgeCreekFerals4x4
22nd December 2015, 02:55 PM
so im with elders, they have me covered at $24,000 all up. 99 gu td4.2, paid 24 for it and have added accesories since so its not terrible. full comp is $130 pm $600 excess and as long as its a gazetted road im covered, i also get unlimited free windscreens per year. thats also two drivers listed on green P's

BUT just out of interest i got a quote with club 4x4 last week to see what they charge and they do $18g for the wags and $10g for the accesories plus $2g of personal effects, one free windscreen per year and will cover you anywhere as long as your not breaking any laws. happy to cover me and my partner he is now on full licence as of last week and I'm green P's for another two months. Their fee's are $100pm $600 excess OR $88pm $800 excess.

Stropp
22nd December 2015, 07:06 PM
gee i pay $642 per year for 43k, the good part of being an older responsible driver :)

Avo
22nd December 2015, 08:21 PM
I had RAC (WA) for the GU2, when I was ready to get the GU8 I went on line & got their quote, I also rang them as they mentioned continuous cover and was told I just needed to give them the details of the new car & it would all be sorted.
I rang them while I was sitting in the dealers and RAC told me they will not insure a car that is post 2012 without a 4 star crash rating. The dealer arranged Allianz for a bit more than the RAC quote.

shit that doesn't sound right,rac insure my wifes 2010 for 42 000 for 683 per year and 500 excess....

Clunk
22nd December 2015, 08:42 PM
shit that doesn't sound right,rac insure my wifes 2010 for 42 000 for 683 per year and 500 excess....
Theyve changed their policies since you bought the GUrly mobile

Avo
22nd December 2015, 08:51 PM
Theyve changed their policies since you bought the GUrly mobile

still have to re insure it every year ya knobgobbler

Clunk
22nd December 2015, 08:55 PM
still have to re insure it every year ya knobgobbler
Yes I know, as do I with my GQ mate but ours aren't new policies are they, so they just roll over each year.... you jizzmonkey

Maxhead
22nd December 2015, 09:00 PM
I pay $560 annually for the car including all accessories. Total value is 60k and I won't budge . Covers me for all gazettet roads including creek the crossings. This is with Coles(west farmers);





….................... On the move

GeeYou8
22nd December 2015, 09:00 PM
Theyve changed their policies since you bought the GUrly mobile
Only applies to vehicles built 2012 on.

Maxhead
22nd December 2015, 09:01 PM
Mind you this is a 2012 car





….................... On the move

Irish
26th December 2015, 03:00 PM
I changed insurers this time around, Budget tried to rip me off.

Went with Shannons, $800 for the Maverick, the XR600 and the old 5 series. All for agreed value(which they actually suggested higher on for the bike and the BM than I reckoned they were worth).

TimE
26th December 2015, 04:20 PM
I pay $560 annually for the car including all accessories. Total value is 60k and I won't budge . Covers me for all gazettet roads including creek the crossings. This is with Coles(west farmers);





….................... On the move

Just did my renewal with Coles on my 2005 4.2tdi, premium at $517 is $215 cheaper than AAMI renewal and for $7065 more agreed value or $53,165. Thanks for the pointer. Every other quote I chased was either higher premium or stupidly low agreed value. I'm happy :)

BigRAWesty
26th December 2015, 09:53 PM
Just did my renewal with Coles on my 2005 4.2tdi, premium at $517 is $215 cheaper than AAMI renewal and for $7065 more agreed value or $53,165. Thanks for the pointer. Every other quote I chased was either higher premium or stupidly low agreed value. I'm happy :)
Just make sure they cover you for off the black top too

BigRAWesty
6th January 2016, 03:48 PM
So an update.
This new GU has probably pushed the relationship but the RAA have been great and come threw with the goods..
So car is insured for $26000
Then on top we have
The bull bar
O/h console
Rear draw system and cargo barrier
New DVD player with reversing camera
Uhf
Lift
And the GMV upgrade. . Yep. They said it's fine..
All for a measly $57 a month..