Insurance

True !

I think they act as brokers etc and they fish-out the best deal for you. I guess you have to read the fine print with all cover particularly when going off road. The savings I came up with compared with a quote from NRMA was up to $1K saving for a 94 4Runner.........although I haven't singed anything yet !

One reason they are cheap is that they only offer it to those who have a good claims history (ie lack of claims). They reckon they have a very good record in minimising the level of claims and can thus pass on the savings to us.
Someone mentioned Elders - we tried them and they basically said they couldn't compete unless we also took out other insurance. Apparently they are cheap for those on the land who have other insurances with them. The quote they gave us for a Cruiser certainly confirmed their lack of competitiveness.
We are with Budget but as we haven't had a claim I can't comment on what they are like from that angle.

Budgetdirect was 50 bucks or so cheaper (356 against 407) on a rating 1 gu patrol with 65% no claim however, I spent a bloody long time on the phone plus emails with them trying to iron out a glitch on their on line quote. When that was finally sorted had another 20-30 mins going through the "twenty questions" only to find that as I had had a driving infringement in the last 5! years I needed to provide them with details of date and type of infringement etc. What!, spend another half hour on the phone to dept of transport, I dont think so. The time taken probably cost me the fifty bucks I would have saved.That plus the unreasonable conditions and excess for a younger driver (should I be lucky enough to find one) threw me straight back to NRMA with who (whom?) I have never had a problem.

ahhh.....that's better, got that out of the system:-)

any way the point of this is, is it worth the hassles you might have to save a couple of bucks? I quote from the reply above"....they have a very good track record on minimising the amount of claims.." how?

Love Brimo (not sponsored by NRMA)

Perhaps you should question ( with these cheaper agencies) where are you covered. I have heard that some agencies only cover you while you are on a gazetted road !!. Not much fun for an off road vehicle. I found out through my insurance that i am covered fully unless doing extreme offroading ( insurance through Westpac-Sun Alliance ). Worth looking at. I pay around $650/yr for a Patrol @ full no claim bonus.
Cheers and cold beers
Clarky