Tell us about your insurance.

[DEVL-XR]

Can I get a run down of who people are insured with, what type of insurance, what car you have, how much there paying a year, how many mods they're allowed, if your still on you P plates or not and if the insurance company knows everything about your car.

I'm interested to know how people on here go about insurance with Turbos and a million mods that insurance company's would love to know about. Especially for P platers.
I want to do more mods to my car and have it all covered but I cant without paying 2 grand a year for full comp. All ready my car wont be covered in a crash of my cause so I'm a little worried.

Anyway I'll go first.

-EB XR6
-P plater
-Gone through Aust Brokers, not exactly sure who's covered me
-Full Comp
-$650 a year
-As far as I know i'm allowed 1 mod
-Mods I have include sports exhaust, extractors, 18" wheels and lows in the back
-Insurance company only know about sports exhaust!

Braden.

[gthofan]

- Eb2 'S'
- P plater
- Gio insurance
- Living: Bayswater North
- No rating
- $80 per month
- mods: no extra, they only want to know. (Refer to signature)

cheers
scott

[Polyal]

Your only allowed one mod! Damn. When I had my Ghia it was:

- EL Ghia I6
- 24yo
- RACV
- Living: geelong
- Rating 1 (oh yeah)
- $560 a year full comp - agreed value of $8000
- mods: all mods, but they didn't know about the LED's or cam...shhh...LOL

[DEVL-XR]

As far as I know its 1 mod but I have to double check on that. Its very annoying!

[Polyal]

Originally Posted by BradensEBxr6

As far as I know its 1 mod but I have to double check on that. Its very annoying!

Well then technically I think you are uninsured...LOL

[BRADMAN]

Just car Insurrance (no choice)
3rd party fire n theft
All mods allowed but 60% not covered at moment (comp cover would fix that)
$554 per year

b.t.w - your insurrance company has the right to dishonor your insurrance as you have not informed them of changes (mods) to your vehicle.
so i would recommend you fix that asap

brad

[Polyal]

Originally Posted by BJSPENCER85

b.t.w - your insurrance company has the right to dishonor your insurrance as you have not informed them of changes (mods) to your vehicle.
so i would recommend you fix that asap

Obviously.....

Also helps if I dont have the car anymore...LOL

If you have a prang I seriously doubt they will take the cam out and measure it, unless they know about this forum and have documented it themselves.

[RUQ1KA]

-VX S manual
-P plater
-Young & Cool insurance
-Full Comp
- ~$1300 P/A
-not sure on the mods
-Mods I have include sports exhaust, stockies:P, and audio
-Insurance company knows of none of my mods - should fix that just cbf calling

[Oo_xrsx_oO]

Guys I don't know why you have insurance and don't disclose all mods, if I had a stack and was waiting for the claim to go through I would be packing myself that there is a possibility of it being knocked back.

For the record I had an EL XR6 as my last car (last year), extractors and lowered for about $1100 a year with just cars, I was 20-21 when I had it.

With my AU I put wheels on and dumped it and it put my policy up by a whopping $40. There is still every chance a claim will go through with undisclosed mods but for what it costs to have it all out in the open its good piece of mind

[Polyal]

Originally Posted by Oo_xrsx_oO

Guys I don't know why you have insurance and don't disclose all mods, if I had a stack and was waiting for the claim to go through I would be packing myself that there is a possibility of it being knocked back.

For the record I had an EL XR6 as my last car (last year), extractors and lowered for about $1100 a year with just cars, I was 20-21 when I had it.

With my AU I put wheels on and dumped it and it put my policy up by a whopping $40. There is still every chance a claim will go through with undisclosed mods but for what it costs to have it all out in the open its good piece of mind

Lowering and wheels are very obvious, that goes without saying.

But a cam, especially one that doesn't need an aftermarket ECU, or something like thermo fans...come on.

[AdzT3-146]

20 Year old
P Plater
EL XR8
Full comp with JCI
All Mods listed.

$2300

[samftr]

25, lifetime rating one AAMI,

500 odd a year cover's the ef for 4000 bucks with the lights, mags, exhaust, stereo, towbar, mudflaps, seat covers, amp, speakers, rear louvre, sunhat, floor mats, dark dark window tint, k&n filter.

all covered, 400 excess. good stuff eh
for an ef xr6 manual wagon with extractors they will cover me for 6900 and it will cost 560 a year to insure and 400 excess still

[BaYa]

EL XR6- mods in sig
im 20
gio full comp
rating 5 atm
about $1500

still havent told them about my stereo yet :

[Polyal]

I dont know how you guys do it, I love my cars, but $1000+ on just insurance. When Im done with uni and got a job then fine, but not yet.

[Oo_xrsx_oO]

Originally Posted by polyal

Lowering and wheels are very obvious, that goes without saying.

But a cam, especially one that doesn't need an aftermarket ECU, or something like thermo fans...come on.

Fair enough, like I said claims do go through without mods listed and I agree that cams etc would be rarely looked at/recognisable. Thermo's and airboxes etc look stock anyhow, more so they only look for visual stuff like exhausts and lowering. Then again in the event of a coslty claim I am sure the car would be heavily scrutinised depending on the insurance company.

Each to their own though but if I am going to spend big $ on insurance I personally like to make sure its all done properly ;)

[89 S-PACK]

23 well 24 in december
full licence
no rating (only had insurance for 2 years), no prangs. drove for 5 without any
own the car outright
its a 89 spack, series 1(theres a difference between the 88-89 to the 90-91 s packs, mainly cosmetic and interior wise)
5 speed manual

17 a month - 3rd party fire\theft. havent gotten around to upgrading to comprehensive yet, thats 28 a month
with cgu
have all mods listed apart fom the thermo fans.
lpg kit listed
alloys listed (soon to be 17s i hope!)
lowering listed. well on their books it was lowered from the factory being a s. i just dropped it some more

and lastly i live in rual vic

[70caprigt3k]

-ED XR8 Sprint
-Agreed Value
-P plater (18)
-RACQ
-3rd Party Property Fire and theft
-$400 a year (wanted $5000 a year for full comp)
-A few mods

I figure if i can go 2 years without a crash i am already $9200 up so i can fix anything up myself, if i hit someone else though they are covered and thats really all that matters.

[holmsy]

-ed futura
-p plates(18)
-aami
-$318 a year i think might be $380 with fire and theft. i cant remember(thirs party fire and theft)
only allowed one mod.
they know about the exhaust.
dont know about intake or lowering.

i would tell them other then the fact they wont let me :P

im just waiting untill i have the money to change to just car which is only another 150 or so with all mods.

[PHoeNiX]

-JCI
-P plater (19)
-All mods listed.
-bout $500-600 prem.
-$1400 excess - std excess, under 21/5(not sure), mods excess....and wheels not covered as they are worth about half the car.....were when i bought em anyway....

am now able to mod all i want and no prices change.

brenton

[pHaT`eL]

-EL Fairmont
-Full licence
-RACV
-Full Comp
-$1000 a year
-All mods included (Lowered, exhaust, slotted rotors, 19's, stereo)

[steven95falc]

ahhhh the benifits of being old hahaha ef manual extractors and exhaust 3" intake pipe cam mags sterio lowered full comp $480PA RACV all mods litsed 25years old.
Key is lads tell them you have a high flow exhaust and intake dont specify each mod ie dont say sprts exhaust and extractors just say high flo exhaust sounds better to the lame dude on the phone and could save ya money.
PS $400 excess

[[Tonko]]

Age: 20
Rating: 5 (havent been insured long enough apparently)
Car: 1998 EL Ghia
Mods: Tint
Company: RACV
Cost: $620 Full comp
Excess: A rediculous (sp?) $1400!
Im looking at changing soon...

[DEVL-XR]

Originally Posted by steven95falc

ahhhh the benifits of being old hahaha ef manual extractors and exhaust 3" intake pipe cam mags sterio lowered full comp $480PA RACV all mods litsed 25years old.
Key is lads tell them you have a high flow exhaust and intake dont specify each mod ie dont say sprts exhaust and extractors just say high flo exhaust sounds better to the lame dude on the phone and could save ya money.
PS $400 excess

Does that actually work because I was thinking of saying that. At the moment I have '2.5" sports exhaust' down but I was thinking of changing that to 'Full sports exhaust' to see if that can cover the extractors. Then I just need an excuse for lowering and 18" wheels. Stuff like the cam and any mods done to the internals of the motor I dont care about. I cant see them taking the block apart to check that out.

So what about people's Turboed cars?!!

[Eb Barbie]

18 years old
P Plater
Eb Spak
RACV
Full comp
Pete insured to drive it too
$1100
$800 access
No mods

[Miller]

17
P Plater
EF Futura
Shannons
3rd party fire and theft
$700
$1k excess
All mods listed.

I get it cheaper because we get fleet insurance since we have 7 cars insured with them

[BEN189]

EL Fairmont Ghia V8
25yo
$1700 with the NRMA, insured for $10k
Im spewing it is this much but that is because I have a younger driver on the policy.

With disclosing mods to your insurance company, you will find that they might not honour a claim if they find the mod you haven't disclosed is the reason for an accident etc. Also, if you have an accident and your mods get damaged, eg, wheels etc, they will only replace the wheel with the factory item instead of the one you had so if you have 18's, they wont replace it with another 18" wheel if the factory wheel was a 15" one.

[nothin suss]

26
Rating 1
DC LTD 5litre
Shannons
Full Comp, agreed to $7000
$470 a year
All mods listed (lowered, windows, extractors/exhaust, intake manifold)

Im not real happy with that actually, my previous car was a 2002 liberty RX, 18's, $5000 stereo, lowered, windows, extractors/exhaust, agreed to $27000 all for $580... Doesnt make sense? Maybe subarus dont get stolen??

[crannersEL]

19
Under mothers name (60:40)
97 EL Falcon
AAMI
Full Comp, agreed to $6500
$1250 a year
All mods listed, but not covered i think.....

[RavenLS1]

26
2000 berlina ls1
rating 3
aami full comp unlimited mods you just have to tell them and they must be legal.
$1007 a year
agreed value $16500
mods include: lowering,maffless edit, exractors, sports system,gas system, intake mods

[KILRXY]

20
p plater
racv full comp
all mods listed
eb2 xr6 has wheels lowered full exhaust extractors stereo
agreed value $8000
prem $1300
excess $900