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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

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Old 03-30-2010, 05:53 PM   #1 (permalink)
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Default 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...
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Old 03-30-2010, 05:59 PM   #2 (permalink)
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Quote:
Originally Posted by gumpy View Post
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.
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Old 03-30-2010, 06:02 PM   #3 (permalink)
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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 )
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Old 03-30-2010, 09:24 PM   #4 (permalink)
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  • 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
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Old 03-30-2010, 11:28 PM   #5 (permalink)
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AAMI. Age: 26. $2100 Excess, $456 Premium.
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Old 03-30-2010, 11:30 PM   #6 (permalink)
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Quote:
Originally Posted by Majestik View Post
I'm with RACV. About $1100 annual for Complete Care (Highest insurance level). $550 excess.
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!
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Old 03-30-2010, 11:34 PM   #7 (permalink)
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25/50/50
comp 200
coll 200

6 mo premium $206 ^_^
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Old 03-30-2010, 11:41 PM   #8 (permalink)
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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.
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Old 03-31-2010, 12:09 AM   #9 (permalink)
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Quote:
Originally Posted by GTRFAN View Post
Exactly the same. Gotta love the complete care when you claim. unlimited car, hotel, etc Easy.
No questions asked and full payout upon write off
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Old 03-31-2010, 02:32 AM   #10 (permalink)
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Quote:
Originally Posted by 370er View Post
AAMI. Age: 26. $2100 Excess, $456 Premium.
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...

Last edited by gumpy; 03-31-2010 at 02:38 AM.
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Old 03-31-2010, 08:02 AM   #11 (permalink)
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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)

Last edited by Termac; 04-07-2010 at 03:53 PM.
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Old 03-31-2010, 05:29 PM   #12 (permalink)
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what the hell...im paying like $170 a month (25years of age) ! I live in Sydney. Anyone recommend an insurance company thats less?
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Old 03-31-2010, 07:18 PM   #13 (permalink)
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Quote:
Originally Posted by 370er View Post
AAMI. Age: 26. $2100 Excess, $456 Premium.
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?
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Old 03-31-2010, 07:24 PM   #14 (permalink)
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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...
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Old 03-31-2010, 07:32 PM   #15 (permalink)
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Quote:
Originally Posted by gumpy View Post
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?
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