Good Insurance Story

Submitted: Thursday, Feb 26, 2004 at 12:04
ThreadID: 10810 Views:1465 Replies:7 FollowUps:4
This Thread has been Archived
I know there are always bad ones but this is a good insurance story. I have just renewed my Patrol insurance with AAMI. I advised them that:

"I have installed:
1. Long Range Fuel Tank, value $700
2. Dual Battery System, value $ $750
3. Low range reduction gearset (not for rock-climbing- big truck stuff but for safer downhill speeds as my car is an Automatic Petrol) value $900
4. Replaced suspension with aftermarket that provides safer carrying ability - ie only 40mm raise.
All of these are approved installations.
Other then advise you of these modifications (and I accept a Premium adjustment) are there any other implications."

They repied:
"Your policy has been updated with the modifications you have made. Keep any certificates to confirm these installations are approved. You will receive an updated renewal in the mail over the next few working days, however our system wouldn't recognise the 'Low range reduction gearset' that you added therefor it won't print out on your renewal but we are aware of it and it is noted in messages on the policy. There are no changes to the policy or premium increases because of the modifications you have had installed."

And best of all, this all occurred by email over a 30 minute period.
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Reply By: Member - Peter K (NSW) - Thursday, Feb 26, 2004 at 12:13

Thursday, Feb 26, 2004 at 12:13
a quick follow up is that AAMI also said that "due to the suspension modification no-one under 25 will be covered to drive your car"
Not an issue for me.
AnswerID: 48197

Reply By: Arkay - Thursday, Feb 26, 2004 at 12:49

Thursday, Feb 26, 2004 at 12:49
I found the RAA (Royal Automobile Association of S.A.) equally helpful (similar mods but no suspension raise in my case, but do have Polyairs on the rear).
AnswerID: 48201

Reply By: Jon - '88 TD42 GQ - Thursday, Feb 26, 2004 at 13:52

Thursday, Feb 26, 2004 at 13:52
Thanks for the post. I ended up with AAMI when I picked up my Patrol as they were $200 cheaper than NRMA. I don't plan on doing too much to the car before I turn 25 in March and I become more insurable, but it's nice to know they're reasonalble about it!!

Cheers.
AnswerID: 48209

Reply By: Emo - Thursday, Feb 26, 2004 at 13:56

Thursday, Feb 26, 2004 at 13:56
Have you checked whether or not your insurance company will cover you if you a driving on a track that is not a gazetted road? I know someone that rolled their vehicle a few years ago and the insurance company refused to pay out because he was not on a gazetted road. Can't remember which insurance company it was but it was a few years ago.
AnswerID: 48210

Follow Up By: Member - Peter K (NSW) - Thursday, Feb 26, 2004 at 14:10

Thursday, Feb 26, 2004 at 14:10
I didnt ask, but before renewing I read the policy guide and it only says that it wont be covered if being used on a competion circuit, course or arena. So Im pretty sure its okay.
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FollowupID: 310095

Follow Up By: Truckster (Vic) - Thursday, Feb 26, 2004 at 22:31

Thursday, Feb 26, 2004 at 22:31
Im with Emo on this.
Someone else had a thread ages ago on AMMI, he could NOT get a straight answer out of them when he put it to them, and asked for it in writing.

Try that.

Glad the price is ok, wifes Mazda came in the other day at $800! Its a 1994 626! I nearly died.. 60% NCB and all
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FollowupID: 310159

Follow Up By: Member - Peter K (NSW) - Thursday, Feb 26, 2004 at 22:36

Thursday, Feb 26, 2004 at 22:36
yeah I read that thread. I did a search to find out what is or isnt a gazzetted road. Too hard. If it happens it happens.
I wasnt really out to sell shares in aami or anything, was just impressed at how quick they responded and with the answers I got back.
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FollowupID: 310162

Reply By: IT Doctor - Thursday, Feb 26, 2004 at 16:45

Thursday, Feb 26, 2004 at 16:45
Just as a matter of interest for us over here in WA, how mch is your insurance?
AnswerID: 48223

Follow Up By: Member - Peter K (NSW) - Thursday, Feb 26, 2004 at 17:09

Thursday, Feb 26, 2004 at 17:09
sydney, 60% no claim $770.
dont know if thats cheap or whatever but im happy
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FollowupID: 310124

Reply By: Wayne (NSW) - Thursday, Feb 26, 2004 at 23:59

Thursday, Feb 26, 2004 at 23:59
I rang AAMI for a quote The first thing they asked me was my post code. I told them that I did a lot of 4wding. They came back and said that because I used my vehicle more than 12 times a year to go "bush bashing" they would not insure me. I had a lot of trouble trying to explain that I only drive on gazetted roads and that I don't go bush bashing. In the end I gave up in disgust.

I have a 65% no claim bonus for over 15 years. Still thought I was a bad risk or do I live in the wrong post code.

WayneAlways Out'N About
AnswerID: 48309

Reply By: puumb - Sunday, Feb 29, 2004 at 22:44

Sunday, Feb 29, 2004 at 22:44
I had my licence disqualified for 12 months (i get it back this thursday. SWEET!!) and i just turned 21. i had called about 11 insurance agencies to get a qoute and all except 2 knocked me back because of my age and record.

The first agencie that would accept me was Just Car Insurance (an offshoot from AAMI). I was on the phone with them for over an hour and they gave me a qoute of $1700 a yr for comprehensive with a $1600 excess to cover the car for $3000!
not worth it.
So i gave it one more shot and rang GIO. i thought i had no chance when i told the lady my age and record, she said " your age doesn't affect the insurance premium" so i got a qoute and all it is costing me now is $1100 a yr for comprehensive and the excess is still high at $1200 but it is covered for the market value at $10000 not what i payed for it at $3000. my NCB is only 40% but give me a year it will be at 60% and only cost around $800 after that and go down but only if i dont stuff up. pretty good huh.

also i am looking at buying a GQ patrol preferably desiel. what are they like on fuel? and how they out bush? any info on them will be great! puumb
AnswerID: 48701

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