sorry insurance again

Submitted: Monday, Jun 19, 2006 at 23:26
ThreadID: 35090 Views:1538 Replies:8 FollowUps:8
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Hi all
Has anyone had any dealings with Budget direct insurance . I am getting quotes to cover a 1990 Nissan GQ rb30 3 ltr petrol. Only mods are Bull bar , spotties , exhaust. Agreed value $11000.00 and their quote has come back 3 - 4 hundred dollars cheaper. Should i be wary.
PS : I have just moved from Wollongong NSW to the Gold Coast so any other companies to look into would be much apreciated

Thanks
Steve-h
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Reply By: Member - Troll 81 (QLD) - Tuesday, Jun 20, 2006 at 00:06

Tuesday, Jun 20, 2006 at 00:06
Allot of people here use them, try doing a search in the forum for them and you will find tons of information. I don't use them I go through a broker
AnswerID: 179373

Reply By: Plantman - Tuesday, Jun 20, 2006 at 08:35

Tuesday, Jun 20, 2006 at 08:35
I use budget direct and found them to be very cheap which is good. Haven't had to excercise them and hopefully won't had to so don't have any claim history though I did find them quite straight forward and helpful when aquiring the insurance. Interested to see if any others have had any issues.
AnswerID: 179406

Reply By: Footloose - Tuesday, Jun 20, 2006 at 11:06

Tuesday, Jun 20, 2006 at 11:06
Steve, I'm on the coast also and use AAMI. So far (6 years) so good. 2 claims, 1 for someone else swiping me (they chased the rego I had) no worries, one for major hail damage where repairs were done quickly and without hassles. So far I'm a happy customer.
AnswerID: 179426

Reply By: Truckster (Vic) - Tuesday, Jun 20, 2006 at 11:57

Tuesday, Jun 20, 2006 at 11:57
$11k for a 3.0 GQ? WOW!! GO WITH IT!!!!!!!!!
AnswerID: 179437

Follow Up By: steve+h - Tuesday, Jun 20, 2006 at 22:32

Tuesday, Jun 20, 2006 at 22:32
not sure what you mean by that
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Follow Up By: Leroy - Tuesday, Jun 20, 2006 at 22:34

Tuesday, Jun 20, 2006 at 22:34
he means it's not worth that much so if you have an agreed value for 11k then if it gets written off they that's a tidy sum in ones little pocket!

Leroy
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FollowupID: 435768

Follow Up By: steve+h - Tuesday, Jun 20, 2006 at 22:44

Tuesday, Jun 20, 2006 at 22:44
look around SE QLd for something in that price range with low ks and carpet (like the wife wants) and you will be suprised . 140000ks very in as new condition I am happy
Steve
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Follow Up By: Truckster (Vic) - Tuesday, Jun 20, 2006 at 23:49

Tuesday, Jun 20, 2006 at 23:49
They sell for $3500-6000 (dont they Diamond!) down here..

Might have to ship myself 20 or so up there for a retirement fund!
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Follow Up By: steve+h - Wednesday, Jun 21, 2006 at 00:19

Wednesday, Jun 21, 2006 at 00:19
dont you have a GQ
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Reply By: nowimnumberone - Tuesday, Jun 20, 2006 at 13:04

Tuesday, Jun 20, 2006 at 13:04
we had our rb30 insusred with budget for a couple of years then the jack.
there prices skyrocketed last year so now with cgu.
11000 is plenty for rb30 i think market value is about 4000.
just double check that with them as sometimes the person you talk to are idiots and probly think its a gu 3 litre.
also when we were with them they wouldnt agree to a value because of the age over 10 year old or something.
cheers.
AnswerID: 179459

Reply By: SteveL - Tuesday, Jun 20, 2006 at 19:16

Tuesday, Jun 20, 2006 at 19:16
I had a vehicle insured with them and cancelled the policy after selling the vehicle.I was told to send a letter if I wanted a refund of the remainder of the policy,which I did.Haven't seen a cheque yet after 7 months.-Steve
AnswerID: 179507

Reply By: dornbus - Tuesday, Jun 20, 2006 at 20:35

Tuesday, Jun 20, 2006 at 20:35
Hi Steve, Insured with them for 2 years, very cheap insurance, often hundreds of dollars cheaper than the nearest rivals. No claims made yet. Beware though they dont allow to many modifications, lifts etc, as they claim they only insure low risk machines, ensure the patrol complies with the insurance policy. I shifted from Sydney CBD to Brisbane CBD area, premium dropped by $400........Both times insured with budget direct...
Cheers Dornbus...
AnswerID: 179531

Reply By: Leroy - Tuesday, Jun 20, 2006 at 22:16

Tuesday, Jun 20, 2006 at 22:16
Wouldn't touchem again. They debited my account straight away for a rating one awaiting for proof by a certain date. Would debit for a rating 6 if no proof by a certain date, fair enough. I gave them them the proof only to find they had already debited my account a few days prior to the due date. Wanted an instant credit and couldn't do. I said I can't now pay my credit card off completely (as it was due) as I dont have the extra funds so are you going to pay my interest for the month or do I take you to small claims? I got my credit a few days later. Also enquired about getting my partner added and they said extra $30-40 and debited the amount instantly. They were supposed to call me to let me know that she has been approved to drive my vehicle. They never rang. I called a few days later to make sure all is well and they said she'd be declined and then the battle to get money back again.
So to sum up they are very quick to debit your account as they only accepted credit cards and have your number so they can debit away. I cancelled the policy after they declined my partner to be added to the policy but did get a refund unlike Steve above.

Leroy
AnswerID: 179558

Follow Up By: steve+h - Tuesday, Jun 20, 2006 at 22:38

Tuesday, Jun 20, 2006 at 22:38
Did they debit your card for more than the quoted price because that is scary and worries me

Steve
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FollowupID: 435769

Follow Up By: Leroy - Tuesday, Jun 20, 2006 at 22:45

Tuesday, Jun 20, 2006 at 22:45
they debited the initial amount for if I was a rating one then if you don't supply supporting evidence within 2 weeks then they debit the balance as if you were a rating 6. I supplied the rating 1 evidence before the due date and they still debited the rating 6 balance, something like an extra $1200 bucks.....can't remember now.

Leroy
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FollowupID: 435777

Follow Up By: steve+h - Tuesday, Jun 20, 2006 at 22:57

Tuesday, Jun 20, 2006 at 22:57
I now think it is better to go with a reputable company . This is the first 4Wd i have had for a few years I dont want to risk the dollars or the hassles if anything should happen. Also I have been in buisness for a lot of years now and to debit someones account for more than agreed is highly illeagal ... or am i just getting old
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