Thread: Insurance Recommendations

Just switched top Youi from RAC. $65 dollars less than the RAC renewal at $740 and 20% off the home contents policy, which amounts to another $100 saved on that.

On checking the market value of mine it's in line with what I'd go for on agreed anyway.

Just check the glass cover with Youi, it's at standard excess unless you specify you want a reduced excess glass cover. Some friends had their car broken into last week - only thing stolen was my sons school bag, worth about $80 with everything in it, but it cost them $400 for a new window!

I was just renewing our house and contents insurance and rang the insurer to discuss it. I'm insured with NRMA. While talking to the guy I asked about after market add ons for the D4 to make sure we were covered and he stated that they did not have to be specified and were automatically covered but to keep the receipts to prove they were bought. He also mentioned that they cover the vehicle for its intended use, that is, you're covered Australia wide while doing 4wd stuff off road and not only on sealed roads. The only caveat was that the car was not to be used for rallying or racing etc. If you have market value cover they take into account the value of the add ons. When I bought the D4 last year I was advised to take market value for the first two years as they do replacement vehicle in that time and switch to agreed value at the two year mark which is what I intend to do.

Originally Posted by letherm

I was just renewing our house and contents insurance and rang the insurer to discuss it. I'm insured with NRMA. While talking to the guy I asked about after market add ons for the D4 to make sure we were covered and he stated that they did not have to be specified and were automatically covered but to keep the receipts to prove they were bought. He also mentioned that they cover the vehicle for its intended use, that is, you're covered Australia wide while doing 4wd stuff off road and not only on sealed roads. The only caveat was that the car was not to be used for rallying or racing etc. If you have market value cover they take into account the value of the add ons. When I bought the D4 last year I was advised to take market value for the first two years as they do replacement vehicle in that time and switch to agreed value at the two year mark which is what I intend to do.

Thats good to know i have mine with NRMA for $1100 with rental car and windscreen, as far as i know NRMA have unlimited glass as opposed to some which only give you one windscreen a year.

Originally Posted by nat_89

Thats good to know i have mine with NRMA for $1100 with rental car and windscreen, as far as i know NRMA have unlimited glass as opposed to some which only give you one windscreen a year.

I've been with NRMA for a hell of a lot of years and never had problems with claims and the staff have always been very helpful.

Originally Posted by nat_89

Thats good to know i have mine with NRMA for $1100 with rental car and windscreen, as far as i know NRMA have unlimited glass as opposed to some which only give you one windscreen a year.

Nat, compared to what I pay, that's an expensive premium, and our policy includes unlimited glass with no excess too. It's staggering how much insurance policies & premiums can vary.

Originally Posted by dazray

Just insured mine today.
The renewal came with agreed value $66,000.
Rang them up and changed it to $72,000 for $18 more on my policy.
It's all very well for the insurance companies to pick their agreed values
from what ever sources they use, but in reality if your car is written off you need to be able to get a comparable condition car in a hurry to replace it, and sometimes that costs you a premium if the only one available is at the premium end of the scale. I generally find the dearest one available like mine and try to insure it for that amount.

Agreed, that is what I do as well.

Originally Posted by tiddy

Nat, compared to what I pay, that's an expensive premium, and our policy includes unlimited glass with no excess too. It's staggering how much insurance policies & premiums can vary.

Im guessing it could be my age coming into it maybe to as I've only just turned 25 haha i dunno, and also i live out Central Qld out west so dunno weather that makes any difference plus doing about 45000kms a year.

I'm with Budget Direct due this month $928, I have been with them since new (4 years) I had one claim this year where my wife hit another car in the school driveway. The claim process was amazing, just a phone call and then an assessment of the vehicle, I chose my repairer all fixed was the easiest painless process that I have ever experienced.