How much is your Insurance
 

I'm 25 and mine's 1.26k in Sydney. I maxed out my excess.

how are all you guys fairing?

also lets keep our premiums as low as possible... no one benefits from an extra 500 going out the door cause of stupidity...

I think there's already a thread in here about our insurance..

Anywho... I'm with RACV. About $1100 annual for Complete Care (Highest insurance level). $550 excess.

I'm 27, single, and rent. No other insurances to get deductibles with.

I think I estimated 15k/yr driving but I'm not sure.

$250 deductible Comp, $500 Coll, $50k coverage.

$30/$900 Rental Reimbursement and Towing.

$548.19/6mo ( $91.365/mo )

• BODILY INJURY & PROPERTY DAMAGE LIABILITY
  .....BI $100,000 EACH PERSON - $300,000 EACH ACCIDENT
  .....PROPERTY DAMAGE LIABILITY - $100,000 EACH ACCIDENT
  
• MEDICAL PAYMENTS
  
• COMPREHENSIVE ACV LESS $250 DEDUCTIBLE
  
• COLLISION ACV LESS $250 DEDUCTIBLE
  
• RENTAL REIMBURSEMENT UP TO $40/DAY FOR MAX OF 30 DAYS
  
• ROADSIDE ASSISTANCE

Total Premium: $1142 / year

AAMI. Age: 26. $2100 Excess, $456 Premium.

Exactly the same. Gotta love the complete care when you claim. unlimited car, hotel, etc Easy.

31yo, rating 1 for life, multi-policy discount

RACV told me they also no longer care about mods as long as they are legal and pass vicroads. Sweet!

25/50/50
comp 200
coll 200

6 mo premium $206 ^_^

RAC Comprehensive
- 23yo
- Insured for $70,000
- $350 excess
- 100% no claim bonus
- no rental car cover
- Garaged primary car park

approx ~$1,526 for 12 months

will have to confirm that figure, it's my best guess.

No questions asked and full payout upon write off :)

Don't understand how it could be so cheap... lucky folk there in victoria... not only are the cars cheaper but so is the insurance...

Alphera Insurance Underwritten Lumley Insurance (Westfarmers)

NSW Regional

- 40yo
- Insured for Market value
- $1000 excess
- Lifetime Protected no claim bonus
- Standard comprehensive
- Garaged
- Limited Yearly Kms to 10000 kms

$824 for 12 months for Private
$894 for 12 months for Business (mine)

what the hell...im paying like $170 a month (25years of age) ! I live in Sydney. Anyone recommend an insurance company thats less?

I'm in Sydney, 26 y/o, male, and paying $1700 through Just Cars with a $2400 excess. Seems steep compared with everyone else here. I live inner city though, which is usually more costly than outside.

I'm surprised at how cheap the insurance is for everyone here. AAMI was $2200 with the same excess for me.

I take it everyone is quoting comprehensive cover right?

Ravoz - try AAMI and max out the excess

Chilli - Just Cars are just too expensive... but prolly are the only choice if you mod your car...

Just Cars was the cheapest for me by far.

I actually work in insurance, so i'm quite familiar with how they do their premium ratings. Each insurer rates on different criteria, so you'll find depending on which demographic you fall into, some insurers might be cheaper than others for different people.

So Just Cars allows mods, but they need to be street legal? How do you know what is street legal or not? And do they charge you more premium for modding?

I actually dont know this... i never mod my cars i just know they cater for it... Have to imagine they tell you it has to be street legal and then investigate once the claim comes in, in good ole insurance fashion.

I got a few insurance quotes and did a little research before choosing RAC here in perth. Just Car was the most expensive...

Not only was the premium $50 more, but the excess was rediculous, $2400 vs. the $350 I get currently. I think they had some standard excess, age excess as well as some other special excess....as if they are trying to hide the fact they will hit you for $2400 all up when you claim. I even phoned them to confirm that I was reading it correctly....

Im currently with AMMI at $170 a month.

Justcars has me quoted at $150 a month...but compared to everyone else im like an extra $50 a month more.

must be either your history or the area of your car =/

Standard excess (around $400 to $600) for me would have meant around $4,000 for AAMI and NRMA. Soooo... that wasn't an option. I think it is because i live inner city. I'm also using my own name, and no accidents or suspensions last 5 years.

No accidents no claims or anything. I live in Campbelltown..is that it?

ah yeah... that would be it... what a shame... i'd imagine the only other suburbs that would cost more are the likes of redfern etc...

hahahha

i live near redfern... =)

rofl... hey at least you're close to the city bar and clubs, pros and cons...

AAMI
Brisbane
Age - 32
New for old for x years?
Windscreen cover
No rental cover as I own 3 cars
No mileage cap

Cost $605 per annum

yeah, wouldn't give that up for the world, not at this stage anyway. $20 cab ride home... I hardly ever drive!!! =)

46 yrs
Insurance for me and my wife
1 370z 1 honda and 1 full size Dodge truck w\exstended cab.
I pay $650 for 6 months

Same: RACV, Full Comp, Rating 1 etc etc, 1 claim 4yr ago, 39yrs old, $500 excess - $964 P/Y

well picking up the roadster Sat, so i called heaps of insurance companies today.. here's how i went

AAMI - $1182 $550 excess
Budget Direct - no go
Youi - $1843
RACV - $1521
GIO - $1277
Just Cars - $1454
real insurance - no go
Allianz - no go
Shannons - no go
Bingle - $1368.51
St George - $1227.70

So in the end went with AAMI...

32yo male
Melbourne
Rating 1

You should ask for another quote from Racv mate. I'm about your age, rating one, insured for agreed value of $78000 and also had a previous claim (of my write off Z) and I pay under $1300 with $550 excess on Complete Care..

well $1182 from AAMI isn't too bad... i was also with them for 9 years with the ITR so happy to stay on with them. I'll do some more quotes in 12mths time!

Yes, having been rear ended on 4/June I can attest that its best to get "maximum care" or equivalent for your insurer. I am still waiting on parts being shipped from Japan, I'm a bit annoyed at Nissan for selling new models with insufficient parts inventory stored locally. Be aware.

My insurer paid for a hire car @ $68 a day , Holden Cruze sedan, for two weeks only.
4 weeks would have been better but this may take 6+ weeks.

I am with comminsure, covered for $75k loss etc. $500 excess for $981 p.a.

...and for the car mods, they may not worry about them for now so they take your $, but if you claim are they obliged to return the car only to Nissan factory specs or do they replace your mods, pay you out for the mods and return car to Nissan specs only?

What would the process be for justifying the mods? Receipts shown and then what if they start arguing. Would be interest to know the details. I guess they would be buried in the small print somewhere

Lucky for me a family friend is an accredited RACV drop off centre.

Worst case, any illegal mods would be removed before the assessment...

It's pointless to compare INS rates, too many variables involved. And regardless the only people that would be willing to list what they pay are those with very low rates. You’re not going to get any kind of idea of what most people pay by looking thru a thread like this one. This is just one of those “self esteem / my **** is bigger than yours” threads where everyone pays 50bucks a month, serves no other purpose. I don't mean to offend anyone just saying as I see it.

Ignore what this guy is saying...

Everyone knows that I will always pay $50 less than anyone who posts here..

Nuff said mr370... Get your *** on our Aus site and make sure you're on our next cruise!

Old Fart prices
 

I am 58 and have insured the Zed, my XR8 ute and SWMBO's Liberty for $3000, with Shannons. It is a master policy with $250 excess, loaner whilst vehicle is under repair and new-replacement if written off inside 2 years from date of purchase.

My claims history is clean - no claims on my policy for a long time - although I did get rear ended on the Eastern Freeway 10 years ago - and my repairer recovered costs from the lady who hit me .... without recourse to my insurer's.

Am looking to include house and contents and maybe professional indemnity (I run my own business) but can't do that with Shannon's .... I use a broker every couple of years to chase the best deal.

The Zed is parked in secure parking in Melb CBD (behind a roller shutter) and all cars are parked in garage or shed off-street at home (3113 postcode area).

R

Ok I'll admit it...

You win :(

yes yes i'll get me a*s over to the aus site :ughdance:

make sure u wave! :hello:

I just renewed with RACV Complete Care for $1279.21 with an agreed value of $68k

Male, 31, rating 1, good history.