Pays to shop around for Insurance!

[Danda Senior Member Find all posts View Profile Close Danda]

After 7 years with APIA they made a huge cock up and cut a long story peed me off to the point I've now cancelled all 5 policies with them anyway just got a quote from AAMI for the 150 and they came in at a staggering $460 fully comp and there was me thinking APIA were cheap all that time not only was the service the absolute worst but they were having a laugh (at my expense) too, just shows it does pay to shop around and dont get complacent they must assume you'll just stay there keep them on the ball guys..............

[sapradogxl Advanced Member Find all posts View Profile Close sapradogxl]

Davy,

WOW, $460, what 150 do you have?

[Danda Senior Member Find all posts View Profile Close Danda]

The GXL t/d (8 months old now) Sapra the only gripe is the excess is $100 more at $450 but hey how often do you have a prang ? personally it's been 9 years now in fact only had one in 40 years !!! Woops shouldn't have said that methinks LOL............

[Greigrob Junior Member Find all posts View Profile Close Greigrob]

Thats a good price, but cheaper is not always better. Just be sure of what they actually cover you for (off road use, accessories etc...). In my experience the cheaper the price the more hassle the claim is if/when it happens. Thats just my 10c worth.

[Danda Senior Member Find all posts View Profile Close Danda]

Couldn't agree more Greg, way too wise (and old ) to fall for a cheap quote I think it's because I've bundled ALL the policies ie house contents, 2 cars and van but the actual policy is better as you do an agreed value and there's no need to add accessories you just basically tell them what it would cost to replace the car with everything and away you go ie I priced mine for replacement at $73 G even though it only cost 68 so 73 will replace that car, btw they said the policy can go to 80 for the same premium, we've got friends who've been with AAMI for years and found them to be more than competitive and have to say I've been through the policy and it's the same if not better than I all ready had , so dont put up with bad service, shop around, will be leaving for Bali tonight so if I dont reply before I go I'm not ignoring you,
cheers,
Davy

[jimmy91 Member Find all posts View Profile Close jimmy91]

I pay $1070 a year full comp but I'm 20 years old so that screws me over. I listed it for 26 to replace will bump it up now I have put more accessories on it.

[Plado Lurker Find all posts View Profile Close Plado]

I'm happy with the Toyota finance I got when we brought the Playdo, policy seems to cover all the things we do to it and no problems adding the bits and pieces as they get added to the vehicle, but here is the rub, never having had to claim has anyone had good bad or indifferent experiences with them?

[Signature035 Advanced Member Find all posts View Profile Close Signature035]

Thats a good price, but cheaper is not always better. Just be sure of what they actually cover you for (off road use, accessories etc...). In my experience the cheaper the price the more hassle the claim is if/when it happens. Thats just my 10c worth.

I've been with AAMI for years, and had to make a couple of claims (4 kids with cars) and they have been fantastic.
I pay nearly double what davy has mentioned for my now 8 year old 120...... but location plays a big part in your premiums,....thats the penalty I pay for living in the suburbs of Sydney (not)

[Emj Lurker Find all posts View Profile Close Emj]

Amazingly I'm staggered at how cheap $460 is!

When I was looking at quotes, I had a nice chuckle at Allianz who quoted me $3800, most were around the $1500 mark, RAA was one of the cheapest at $1200. I will point out this is insuring for business use so I'm not sure what I would be paying for consumer insurance, but the online quotes to get an idea to begin with were all over $1000. I can't believe that some people pay under $500!

That being said, I've been driving 12 years, one claim and I'm probably paying for all the soccer mums who can't drive a 4wd and constantly make claims for their car park dings - I'm pretty sure that's the category the insurance companies put me in... !

[JPM21 Member Find all posts View Profile Close JPM21]

RACQ is who I use. It went up this year with the 2012 build Kakadu T/D but at $622 for such as expensive vehicle its pretty good value. That also includes hire car option I am rating 1. My last claim was about 6 years ago when a piece of gyprock came flying up on my car after a truck drove over it he didnt know and didnt stop. The 2011 VX was only $ 460 to insure. The reason they gave me for the $160 increase for the Kakadu was the higher value of the car.

[Playdoh96 Member Find all posts View Profile Close Playdoh96]

I use QBE. They where offering the best deal at the time for me. For $475 they cover all accessories, free windscreen coverage, car rental and the kicker, they cover for off road damage at no extra cost (as long as you are there legally) at the time other company's wanted $100 to $400 extra to cover for off road. I've not made a claim yet but the outlaws have and never had a bad word to say.

[Sozjot Member Find all posts View Profile Close Sozjot]

RAA for me in SA at about $950. Choice of repairer is the key criteria for me as I've seen some shocking repairs done by the "authorised" repairer. Apparently insurers can use some sort of auction like arrangement and the lowest bidder to repair usually gets the job. Not saying they are all bad but I like to make those sort of decisions for myself - bit like choosing the doctor, barber, partner all by yourself.
Cheers,
Soz

[Danda Senior Member Find all posts View Profile Close Danda]

Stop Press,
Well after reading the policies and deciding to go with AAMI, I rang them up and was put on hold for 45 mins !!! thats NOT the kind of company I' want to sign with, imagine if you had to claim !!!, so back to the drawing board for me, other than GIO can anyone recommend a good insurer who will actually BE there when you call and not put you on hold forever ? BTW I tried the RAC and couldn't even get through so I wont be going there full stop,
cheers for any help in advance,
Davy

[JasonC Lurker Find all posts View Profile Close JasonC]

Hi guys, first time poster so please be gentle, Davy we have a 2012 Altitude and are insured with nrma for $450, this is fully comp and I am 42, they originally wanted $560 but we shopped about and they price matched so that's seems pretty good value to me, our last car was a 08 VE SV6 and the insurance was over $700! hope that helps

[shamozzle Find all posts View Profile Close shamozzle]

G'day,

When I had the old Surf it was insured for full comp agreed value with tcis 4wd insurance, now it was costing me $478 while I was living in Roxby Downs and being a mining town, mostly closed to employees of the mine and associated industries had virtually no crime. The move to Port Hedland and the change in address details bumped this figure up to $1240 for the same policy and came as quite a shock. I learnt quickly from joining the neighbourhood watch that there is a higher incidence of crime and break ins around here and although expensive thought the price was justified, not much else I could do really.

When it came time to insure the Prado I did shop around and ended up going with tcis again as their off road cover is what I was interested in. The policy on the vehicle is full comp agreed value for $1575 per year. Contents insurance was also a nightmare and also went up substantially when we changed our location to Port Hedland.


Cheers,

Chris.


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