Insurance time again!!

Hi Michael. I have a 2012 Prado GXL and just reinsured from Shannons to GIO (Same parent company) after querying my premium. $59000 cover was $995 with Shannons and they would not budge on price (although the operator when I cancelled said they should have) GIO top cover was $595.00 for the same amount with a couple of extras included, including any accesories fitted non standard, no extra for one windscreen claim per insurance term (per year, it meant) hire car and some accomodation. Both Insurers had a $650 excess. I ended up taking my ute and caravan over to them as well and saved a total of $700 on the three yearly premiums with pay by the month no extra. Cheers,Bob.

Hi Michael

My insurance went up significantly last year - I feel because I badly scrapped both sides of the car ($10k my first claim, which was handled very well by the way, despite loads of non-standard stuff) - They , AAMI said not.
To reduce cost I increased the no claim thing to $1100 and changed value to about $35000 and policy cost was about $600 for 2010 Patrol.

However previous experience with AAMI taught me that they don't seem to add accesories onto policies very well or get it wrong.

My solution was to pay by cheque which I stapled to a letter listing stuff , and referenced letter on the cheque and took a copy.

I.E. I put the onus back onto them (they never replied but I took the money)

Was with Alliance and renewal came up at $1080 for a 2008 Prado d4d gxl. Went to Apia and got it down to $720. Both $600 excess. I have one blemish on the licence which will expire in May. Maybe will do better then.

Tried the same with NRMA house insurance but Apia wouldn't improve on the existing one. Also tried a couple of other online quotes to no avail. Still paying nearly $1500 p/a.

Michael
I am insured with Alliance through TCIS Insurance brokers .
Insured value $45850 including accessories, all listed & value nominated, full no claim bonus
excess $500.
Premium in March 2013 was $876.
includes windscreen, no claim bonus protection & cover anywhere in Australia
Ross

Just watch if your car is a modern diesel as some of the companies mentioned either do not cover for contaminated fuel or are less then clear on the matter. Shannons as an example say this. ‘In relation to fuel contamination, there is no exclusion preventing a claim being made. However, in order for the claim to be valid, it would need to be proven that the damage was in fact caused by contaminated fuel and not mechanical failure or faulty workmanship. The Third Party responsible for the contaminated fuel would need to be provided as well.’
People have differing opinions on the subject of the third party, some say it would be easy to prove, others say if travelling where you may fill up at several places in a matter of days if would be very difficult? So just be careful who you go with. Kevin

hi guys
Have i got a deal for you HA HA HA
NO there is a couple of ins co which are out of the main stream but there is condition apply like TCIS you insure the vehicle when you are a member of 4X4 CLUB
Ken Tame and ASSOC ins for very good cost when you are a member of an Caravan club to the National assn of caravan clubs ltd
our Members have saved up to $1000 when they have there vehicle and caravan ins
If you want to learn more please feel free to PM me
Terry

So I did the ring around, my current G I O renewal is $1050 insured for $31,100 and $600 excess with maximum no claim bonus, and now with a policy change, includes all fitted accessories and modifications. I will ring them in regards to what they consider their in the event of a write off!
TCIS (Alliance) 4x4 cover, was $1160 and market value but covered $5000 of accessories for $2350 due to age of the accessories and $600 excess.

N R M A was $1780 $600 excess

Q B E was $1259 but varied up and down a $100 either way higher includes other drivers, and L drivers of which i have two leaner sons at the moment. QBE dont cover incorrect fuel or contaminated fuel. When I erred and told him my current policy was $200 cheaper, he picked the single driver policy with Learner drivers attached at $1030 and then dropped 10%. when i said i would think about it, he said he could probably get it to $960. Still not worth changing for $90.

I did an on line Woolworths quote for a laugh, $31,000 agreed value, $1140,
I did a Coles on line at $680 but there was little info available.

So I didn't get the response i expected, i was really looking for around $850 with an agreed value. Most quote in market value but some are upgradable to Agreed for another $100 or so ! Michael