Insurance - Why is it so hard?

Hi Truckster

May well you ask, "Why is there so much bull bleep fine print to go through?" I suppose that could be on account that there are so many bull bleep fine print type people out there?? Everything has a meaning in these contracts and agreements just that most of the community has no idea of the legal meanings...including me.

AAMI: $40,500 covered for $670. Hope I never need to call upon it!!

CheersButcher Country Track

Hey Truckster,

I'm surprised at the quote from DGA. I just received my renewal notice from them last night, $675 for a 2000 100 series GXL @ market value. Don't know what market value is, I'll be contacting them about that but it has to be somewhere around $30K? And half way down the page clearly displayed is a statement that this policy covers me "on and off road... no restrictions"... I must look at the fine print though.

Hammer them again for a more realistic price!

Hey Truxter-off topic
Check out ebay 4wd parts 4 sale - re GQ Kaymar rear bar :-)wheredayathinkwer mike?

gday truckster.
when we went to cgu for the patrol a couple of months ago i asked them about the lift.
they said didnt matter what size lift it was so long as its legally road worthy.pretty sure you can lift gq 3inch without having to modify anything so 3 inch legal lift.
also asked where in policy it mentions lift kits ect.and it all goes under keeping vehicle in road worthy condition.they cant knock back a claim if your vehicle is unroadworthy(eg you run up someones ass because you were not watching.your number plate light isnt working so therefor your car is legally unroadworthy but that light would not have caused the accident) but if that perticular unroadwrthy item caused the accident then they can knock the claim.you reckon your cute
richard(eskimo)
but im a lot cuter

If you want the benefits of living in the big city, then you have to pay for them!
Just as we supposedly have to pay more for fuel in the sticks. If you can't stand the heat, get out of the kitchen and buy a Hyundai Excel. Do you really need a snorkel, big lift kit, super swampers in North Balwyn to drive the kids down to the shops.
Your decision? Fine, then pay the insurance to match, us hicks out bush laugh all the way to the bank.

Howdy Truckster,
I did a bit of shopping around last year to obtain a reasonable insurance for my Cruiser and found this site: www.budgetdirect.com.au
Have a look, they will give you an online quote and I have found them polite and knowledgeable on the phone.
Have a happy new year!

Doublemeter
........always been a Cruiser man

Hey truckster,

Give Elders (Brisbane office) a call too. Very helpful and very clear.

Im more after the thoughts on Market V Agreed

They seem dodgey to me... Bimbo on the phone said to me, that if I have an accident the assessor would look at the car at the time of accident and value would go off of that, thats for Market OR Agreed... Am I missing something?

I'd go agreed everytime. You know up front what it's insured for and what you are owed in case of a mishap.

Market value is just opening up another path for them to pay out less. Then which market are they using to identify the market value? For example, the national average market value for your Patrol maybe less than the market value for say Melbourne or Sydney to replace it.

I also very much doubt that within the period of a 12 month policy, the market value of many vehicles will shoot upwards and exceed agreed values.

Mate ... it has all become too hard.

T-Man,
Bit testy there, good to see you finishing the year on a good note, I knew you only needed an Excel for what you do, (titter, titter).
I've just taken all my insurances from TCIS the prices where getting out of hand, I've got an agree value on my GU with all the accessories accounted for and I was still sub $600 premium, I'm with SGIO, I had a few questions the main sticking point was driving on competition circuits like our club gymkhana, I think I sorted that out. I've now changed everything over to SGIO including the camper trailer which is also an agree value. The Rangie I went with market value seeing as it was more than I paid for it, again listed accessories separately, if I insure the house and contents with SGIO as well you get a further discount of about 5% I think, it was either that or 10%. I have the same sort of conditions as yourself, 3 points for being naughty and that's it, I'm 40+ only driver all that good stuff.
TCIS have gone to far out there for me, they had a good reputation for payouts etc but at a cost, overall I think I saved myself over $600 all up. I haven't had to claim as yet, the guy i spoke to at SGIO also sent me a laymans guide to what was written in size 2 font, that was useful, there was a rumour that they picked the repairer and got vehicles fixed as a job lot that way it was cheaper, I've checked this out and have it in writing that this isn't the case I can choose my SGIO approved repairer.
Insuring my GQ with TCIS with an agreed value was a nightmare, to and fro discussing values of accessories etc Ended up the accesory value was greater than the vehicle market value or agreed value, getting an agreed value on an "older" vehicle is a lot more difficult, photos and a lot of red tape had to be entered into to get anywhere. It was easier to change company.
These are my experiences and I'm not affiliated to SGIO as you more than likely know, hope something helps. Keep the shiny side up

Called Elders, http://insurance.elders.com.au/
Premium $600
Forgot to ask about agreed or market.

they will cover any legal Mods, and your covered anywhere according to the chick on phone.

Truckster,

Have you tried Shannons?

I know they focus mainly on collectable vehicles, but their website says "vintage, classic, modified and sports vehicles as well as the day to day cars of motoring enthusiasts."

Yours is most definitely modified and we are all motoring enthusiasts, just with a very specific interest in motoring.

I have a mate that had a '67 Mustang insured with them and had to make an accident claim and he reckons they are extremely good.

Good luck and have a great New Year buddy!