Thread: Car Insurance... Doing my head in...

Originally Posted by VladTepes

Thats a bugger about their attitude to age because Shannons are good in respect of cover and price IMHO. My Defender is with them.

I would have thought an insurer looking at a young person in a Defender would take a different attitude to if they had a WRX ! hardly going to be tearing up teh streets in illegal drags are you !

No matter what car you have as a young male these days your insurance will always be an insane amount of money unless you do go down the illegal path of using your parents insurance etc.

I have a `92 Toyota Cressida at the moment and modified only in the way of an aftermarket stereo, tinted windows, King Springs and 17" wheels I've been knocked back by a lot of insurers because the car is simply classified as "modified". I'm pretty sure that having firmer suspension and much more grippy/less balloon-like/slightly wider Michelin tyres all round make my car a lot less boat-like and hence safer and more stable to drive. But apparently lowered suspension and good quality tyres are just seen as stepping stones to being an outright hoon.

If you're going for comprehensive it doesn't matter what car it is, any insurance company will request you bend over something and let your guard down, so to speak. A modified 4WD won't be seen any differently by them then a Volvo station wagon. You've become a stereotype as a young male and will be unfairly treated.

I'd say that unless you really are prepared to spend that much money on comprehensive and don't mind the insurance company completely stiffing you, just get fire and theft and save the rest to replace anything you do break. Seems like fire and theft is the best value insurance cover that responsible male drivers under 25 can get these days.

Unfortunately you are a Male and You are of Young age. Males young age group have highest amount of claims so no one likes to touch them.
Is it possible to insure the vehicle in the name of an older family member and have you designated as a driver on the policy?
This could save you heaps of roubles on the policy. The Excess may be something else.

I recently asked Shannons about my 16 year old driving my Disco whilst teaching him to drive they said no problems as long as I allowed him to drive.
as for Vic roads
Strange, he can learn in a V8 heavy vehicle but when licensed is limited on cubics.