Who to insure with?

**Scallops** · 7th December 2010, 11:50 AM

Originally Posted by isuzutoo-eh

Hi Scallops, I did not mean to sound as if conditional rego isn't useful, more that you can't use it as and when you please like full rego-at whim for trips to the shops, pub, mates place etc. Conditional rego is for enjoying a vehicle, not simply using it. In my opinion of course!
Obviously a person's mileage will vary with whichever insurance company they choose, but knowing why one person gets $90p.a. insurance versus another at $400pa can help the OP make a better choice.

Quite right regarding reasons for premiums etc - There are ways and means of course, I tend to make friends with folks who live under 15 km from my house and I only seem to go around to their homes after I have adjusted the brakes or such!

**gromit** · 7th December 2010, 12:52 PM

Mines on full rego and insured with RACV for just over $100 for a value of $3,500
It's really a limited use policy or for a vehicle on a club permit, I was told that I'm only covered for a couple of trips per week and it's not to be used to go to the shops etc.

It doesn't get used that often so I will eventually put it on a club permit, especially if they go to the 90day scheme which has been discussed and, rumour has it, accepted by VicRoads.

Colin

**isuzurover** · 7th December 2010, 01:04 PM

Originally Posted by garrycol

As I said - Shannons pick and choose who gets wreck retention - maybe age related I am not sure what the criteria is - I last checked Shannons when I renewed my 101 insurance in August - they would not include wreck retention in a policy so I renewed with Lumleys - similar cover, wreck retention and a much cheaper policy.

Garry

Must be age related. I have 4 vehicles with shannons, but only have salvage rights with the oldest (1968).

**The ho har's** · 7th December 2010, 01:46 PM

My 'zara' is with Shannons I have automatic salvage rights because I paid the $5.00 more on the premium of $300.00...all vehicles over 35 years you have first right to them I have 3 years to go so I paid the extra...she is my daily driver so naturally on full rego

Mrs hh

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