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RedLiner
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RedLiner Grand Master

RedLiner

Posted
Posted

Just telling you guys what i found out yesterday when renewing my insurance.

I am currently with AAMI. I asked them how my policy would be affected if i modified my car.

They said you are allowed 2 modifications without paying extra premium. More than 2 modifications they would not cover at all.

Rang Just Cars. The first modification added $70 to the premium. The next 5 did not have any effect. Any modification after that added another $70 to premium. They allow for unlimited modifications.

E-Gene Grand Master

E-Gene

Posted
Posted

With AAMI, once you are above 25, it doesn't matter how many mods you have on the car. They'll still insure it.

CAP Grand Master

CAP

Posted
Posted

And Just Cars are actually underwritten by AAMI, so you'll find for over 25's their policies are the same.

Daz Veteran

Daz

Posted
Posted

I am also wit AAMI

the 2 mods are classified as "performance"

anything that is aesthetic is not included in this.. ie, interior, lights, sunroof.

I also looked at JustCars but to do the mods i wanted was an extra $200 to what im paying...

what mods were u thinking of?? and wat premium did u get from JustCars? (jst want to compare..)

(23 yo Male driver here)


RedLiner Grand Master

RedLiner

Posted
  • Author
Posted

I am 23 and from just cars got quoted $1400 or so for a stock sportivo.

+add $70 for mods.

AAMI im paying $1117...but i get discount cos i choose to pay higher excess.

Gascan Community Regular

Gascan

Posted
Posted (edited)

AAMI is good if like those extra benefits rent a car etc.

I'm currently with AAMI and Just cars will cover me for the same price with mods included.

I'm turning 25 in a few months so i'll just stick with AAMi and have them cover me for all mods.

AAMI charge me just over 1000 and just cars would charge me $920 for a stock sportivo with entertainment system.

Edited by Gascan
Daz Veteran

Daz

Posted
Posted

I am 23 and from just cars got quoted $1400 or so for a stock sportivo.

+add $70 for mods.

AAMI im paying $1117...but i get discount cos i choose to pay higher excess.

You didnt answer the question....

what mods did u discuss/are planning to do?

blue_rolla Grand Master

blue_rolla

Posted
Posted

17 y/o male

2003 corolla ascent with the following mods:

- wheels

- lowering

- body kit

- exhaust

- extractors

- intake

- tinting

- entertainment ($1500)

... i think thats it...

friggen... $3016

ZAV Mentor

ZAV

Posted
Posted

I'm with just cars and 23, with all my mods covered its $850 per year full comp.

Dennis_ZZE122 Veteran

Dennis_ZZE122

Posted
Posted

Syd, 25 yrs old male, yr obtain licence: 1997, max NCB:

stock Sportivo:

NRMA under $900

Just Car $125x

AAMI $993

GIO ~$13xx

lowered 35mm + 7" wheels

NRMA -not cover

Just Car ~$13xx

AAMI $993

GIO ~$13xx

Suncorp $13xx

Buddha Grand Master

Buddha

Posted
Posted

20yo male, stock sportivo, RACQ $1100

Did that figure change much with your sports muffler fitted?

RedLiner Grand Master

RedLiner

Posted
  • Author
Posted

The price variations i think are due to the areas the cars are stored in.

I think Sydney premiums are higher then other states. (what else is new)

I am 23 and from just cars got quoted $1400 or so for a stock sportivo.

+add $70 for mods.

AAMI im paying $1117...but i get discount cos i choose to pay higher excess.

You didnt answer the question....

what mods did u discuss/are planning to do?

It doesnt matter what mod you do.....if its a mod to an exhaust for an example..then u say i modified the exhaust and they count that as 1...etc etc

Buddha Grand Master

Buddha

Posted
Posted

It doesnt matter what mod you do.....if its a mod to an exhaust for an example..then u say i modified the exhaust and they count that as 1...etc etc

Some insurers work on a points system, where different mods attract different points, doubled if you're under 25, and if those points add up to a certain amount or more, you may not be offered coverage.

If you do take out their insurance, the points will determine if you pay a higher premium or a higher excess (either for certain events or drivers, or across the policy).

mick0082 Veteran

mick0082

Posted
Posted

23 yo male, mildly modded 2005 Sportivo.

Comprehensive insurance with NRMA: $750

That includes cover for:

35mm lowering

7.5" width alloy rims

Tinted windows

Also allows sound system modification equal to 1/3 of the cars original value without affecting the premium.

Romp Veteran

Romp

Posted
Posted

NRMA allows u to lower 30mm - so tell them that u lowered 30mm - what is 5mm diff dennis ?? U can blame it on sag. even stock corollas all settle at slightly different heights.,

I asked NRMA and its ur INTENDED lowering height. Not actual. :)

neK Grand Master

neK

Posted
Posted (edited)

Syd, 25 yrs old male, yr obtain licence: 1997, max NCB:

stock Sportivo:

NRMA under $900

Just Car $125x

AAMI $993

GIO ~$13xx

lowered 35mm + 7" wheels

NRMA -not cover

Just Car ~$13xx

AAMI $993

GIO ~$13xx

Suncorp $13xx

thats weird, i was just doing some quotes on the NRMA/AAMI website and a person due to turn 25 in <3 months costs $1571, whereas a person already 25 is $1607... WTF? (AAMI was $1721 for a male 25).

And this is on a STOCK corolla Conquest 2003 auto.... is there something that im missing here?

Just cars on the other hand quoted $1121... (24 or 25).

License aquired 1998, with no driving offences in the last 5 years (ie 60~65 NCB).

Is there something that im missing here?

Edited by neK
SyxXPaC Grand Master

SyxXPaC

Posted
Posted

You guys are all forgettign the main factor. Where you ive.

When i lived in the west of sydney i paid close to $2000 when i was 20. Then in the same year i moved to north shore and it went down to $670 for the next year. Depends on the theft rate in the suburb you live in.

Ashs Red Rolla Experienced

Ashs Red Rolla

Posted
Posted

20yo male, stock sportivo, RACQ $1100

Did that figure change much with your sports muffler fitted?

No, like you said the points system. Also i think they (person a dealt with) put down as minor mod, so more or less didnt affect my premium just the points went up.

Dennis_ZZE122 Veteran

Dennis_ZZE122

Posted
Posted

You guys are all forgettign the main factor. Where you ive.

When i lived in the west of sydney i paid close to $2000 when i was 20. Then in the same year i moved to north shore and it went down to $670 for the next year. Depends on the theft rate in the suburb you live in.

exactly, my car at my place cost $993, same car just change postcode to Hurstville cost close to $1600!

neK Grand Master

neK

Posted
Posted

ignoring the suburb part, but wtf is wrong with NRMA?

For the suburb im in (2193) a 25 year old costs more than a 24 year old!!! :angry:

(For JustCars another Suburb such as Ermington (2115) its more expensive than Canterbury (2193), yet NRMA has Ermington cheaper - I just dont get these underwriters!)

eggbert_99 Grand Master

eggbert_99

Posted
Posted

You guys are all forgettign the main factor. Where you ive.

When i lived in the west of sydney i paid close to $2000 when i was 20. Then in the same year i moved to north shore and it went down to $670 for the next year. Depends on the theft rate in the suburb you live in.

exactly, my car at my place cost $993, same car just change postcode to Hurstville cost close to $1600!

thats nuckin futs ...

i got quoted by aami $120 cheaper if I parked the car in the garage.. more if I parked on my drive way ..

XploShun Grand Master

XploShun

Posted
Posted

hmmm i think no1 mentioned about ALLIANZ.... is it really SH*T??

does anyone know how many mods can you have.. with ALLIANZ????

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