Insurance Quotes.

I am about to renew my insurance with TCIS brokers and Allianz. Similar to others here, the premium for 2009/10 (Nov) was $1400 for $25k, with one windscreen per year. I was prepared to bear some extra cost for the benefit of the off road clause which specifically states it covers any legal off roading activity anywhere in Australia, including below high water mark. When I have contacted other insurance companies the person on the end of the phone says they cover 4wding activities but are vague about what's not covered and their PDS's seem inconclusive.

Does anyone have any experience with either TCIS/Allianz or other insurers which indicates that the clause is worth the extra premium?

Mal

Insured mine today and:(:mad: just over 900 bucks
Alliance
2000 TD5
market value around 18k
Was told a while back as long as I'm on a designated road/track, I'm covered
I knew it would be expensive but I did'nt think it would be that much:eek:

Hey guys just got off the phone to RACV I have my 2 cars and home with them, I asked about what is covered and to add new bullbar to car.
Was told.

Dont need to tell them what Mod's are on the car "Any of them" They price it up at the time of claim.

Vehicle is covered eveywhere that the vehicle is capable of going.......i.e if its an off road car road, track or dirt hill your are covered, if you have snok your covered in water.......

I dont know if I like the idear of thinking your covered for everything then claim is knocked back because of a home made bar is not vic roads legal

Quote:

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Originally Posted by DCPAus

I have a 1999 TD5 D2
Agreed Value - $13500
Windscreen Cover - no excess
Private & Business
Driver under 25
Accommodation
Car Hire
Taxi
$20 Million Liability

$550 excess

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I have a 99 V8 I just did an online qoute for $1080.63 p/a for market and 1280.16 for $15,000 how did you get so low???

Wow... I'm not sure why your insurance quotes are so expensive. I've got mine with AAMI (99 V8) for about 750 a year. Full comprehensive, covered for anywhere I take it.

Mind you, I don't have any finance on the car, no under 25's can drive it, it's for private use, and have my other car and home insured with them too, so I imagine that it would make a slight difference.

Might pay to shop around a bit more fellas!

Quote:

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Originally Posted by DCPAus

I have a 1999 TD5 D2
Agreed Value - $13500
Windscreen Cover - no excess
Private & Business
Driver under 25
Accommodation
Car Hire
Taxi
$20 Million Liability

$550 excess

• Provides cover for loss or damage to your car, including fire damage or theft
• Provides cover of your legal liability for property damaged by your car
• Hire car after an accident or theft until your vehicle is back on the road
• Emergency accommodation if you have an incident more than 100km from home
• Taxis to assist you throughout the claims process
• Agreed value
• Windscreen with no excess
• Pay by the month at no extra cost
• Up to $1000 for personal items damaged or stolen
• Pet assistance if your pet is in your vehicle at the time of an incident

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Quote:

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Originally Posted by Krayzie Keegs

I have a 99 V8 I just did an online qoute for $1080.63 p/a for market and 1280.16 for $15,000 how did you get so low???

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One can only assume that it is because he is a member of RACV. The level of membership, as well as length may make a difference - I don't know.

It pays to shop around with this sought of stuff.. I ended up with One Path (owned by ANZ I think) & pay $450 a year for comprehensive, agreed value was $10,500 for a right off, $300 excess but no windscreen cover:)

Quote:

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Originally Posted by Stuuu

One can only assume that it is because he is a member of RACV. The level of membership, as well as length may make a difference - I don't know.

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Yeah I have used RACV for the last 10 years and have 2 cars and house and road side and thats what i get.

Call GIO D2 $120.90 for $14000 fixed $ 16 more then RACV (note use for work and claim GST)
Windscreen and hire car (dont get that with RACV)
Wifes Sportage $11.80 cheaper House $22 cheaper total saving $18 for all 3 if changed

Both Drivers over 25 with 'No' answer to all claims, fine

Gio do like to have all mod listed with cost of item

I am with Shannons (car was a personal import) $550 with max no-claims bonus and both drivers over 50 (blimy showing my age now :D)
What I can't understand is why insurance is so expensive. You pay the major part (third party) with the Rego. So it's $300+ for CTP and around $500 for fully comprehensive. That $800+ per annum even with full no claims and mature drivers, and no multiple vehicle discounts.

Ivan

Quote:

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Originally Posted by Ivan

I am with Shannons (car was a personal import) $550 with max no-claims bonus and both drivers over 50 (blimy showing my age now :D)
What I can't understand is why insurance is so expensive. You pay the major part (third party) with the Rego. So it's $300+ for CTP and around $500 for fully comprehensive. That $800+ per annum even with full no claims and mature drivers, and no multiple vehicle discounts.

Ivan

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I guess it varies from state to state as to what the rego actually covers. In Victoria, the rego covers you for damage you might cause to an individual, in terms of rehabilitation e.t.c. It in no way covers you for damage to your own vehicle or another.
Insurance is completely seperate altogether!