Rick Blaine posted:

Please stick to the appropriate acronyms.. here it is BOHICA... bend over here it comes again...LOL

Truckster (Vic) posted:

In not sure hes worried about the 3.83 a mth, but more the drop in value by what about 1/3rd of the cars value? NFI what a jacks worth... but to me thats a massive drop in "agreed" value.

"agreed value dropped by $5910"

Wouldnt that make it NOT agreed value?

Member - Chris M (QLD) posted:

You are in a fine mood today aren't you truckster!

You pay a little for an agreed value within reason. Otherwise, you pay a lower premium and get market value.

In my case, I paid below 50k for my truck, got stuff for free, got all accessories cheap. Told insurance company that story, had it assessed at one of their centres, agreed value $66k. Most assuredly didn't spend anywhere near 16-20k on accessories.

As you stated in a different post...before airing concerns, maybe give the company you are dealing with a chance at explaining. It may even be an error.

Rick Blaine posted:

Yep... Truckster I did the same... AAMI... renewal for van came insurance... $987... when i picked myself up off the floor and phoned them under a psudonym they quoted me $460....went elswhere when they could not explain the difference.

Savvas posted:

That's because they DO using baiting techniques.

They will get you in on a low quote to start with and then hit you at renewal time, but will never admit to it.

Howard T posted:

Hey Mr diamond,
Help us out here.
Have you had any dealings with budget direct re claims etc.
My daughter (20yo) just bought a Lancer. Insurance quotes (qld)
Suncorp...1500
Racq........1100

Mate told me to try budget direct on the net $898. Had never heard of them before so ignored it.
Wont go to AAMI because of 4WD TV programmes..

mr diamond posted:

gday mr t.
i havnt used them before but i know there under written bye a bigger named company(cant remember).i did a google search and found there web site there.
very helpfull on the phone.
one thing i couldnt work out to start with was when i asked where am i covered off roadand was told any where you can be legally and used in a way that the manufacturer specifies.
what does that mean i asked well if your climbing a hill going up hill at 45deg and the manufacturer says the car is designed for 35 deg you aint covered.
thats about all i know till i make a claim.
cheers

Member - Roachie (SA) posted:

Willie, You must be one of the great risk-takers of all time. Why, I bet you never used to wear a seat belt when you was a youngen either, eh??
I'd love to have the guts to quit my comprehensive policy, but knowing my p!ss-poor luck, the day after I cancelled it I'd have a prang that'd be my own stupid fault and I'd up bleep ters ditch.
Cya mate

Willem posted:

Hello Roachie

I used to insure religiously and over the years have had one r two claims paid out but when we decided to go on the wallaby 10 years ago suddenly I became 'persona non grata'. In other words no one wanted to know me and my insurance co bumped the premiums up to high heaven. No fixed address and you are regarded a vagrant by business in this country. So I said stuff you and dropped all insurances. I have had mishaps since then but I have had to wear the consequences myself and be responsible for my own actions. So I still do all the things I used to do but I take it easy.

Yes, you are right. I never wore seatbelts until about 15 years ago when while travelling down the old Darwin railway line my Daihatsu found a wayward starpicket sticking out of the ground in the long grass. A sudden stop at 40kmh and me head altered the windscreen configuration and me knees reshaped the dashboard. Since then I have always worn seatbelts.

These days I owe no money, have no debt, pay cash for everything(no credit cards either) and don't worry about bloody insurance!!!!

See my pic below? I am living under the rainbow :o)

mr diamond posted:

love that rainbow pic willem.
cheers