Vehicle Insurance : Who, What & How Much

[hewy hacket]

Try VERO insurance, i am with them and just recently got a 2 inch lift, when i rang to add it to the policy, i was plesently suprised to find they added it to the list of mods with no worries and didnt charge any extra for the premium.

[RockoWallaby]

I have a lot of similar mods, except 265/75r16's on my play tyres, and no diff locks or bars.
RACQ took the list without issue.
I know the tyres can get me into trouble, but I generally run on the road with standard tyres anyway.
Far as I'm aware, they insured the vehicle, with the extras listed on top, without question. Keep ringing them adding more, and the premiums haven't gone up yet.

[YogiOz]

I reckon AAMI are the way to go. I have mine with them and have no issues with agreed value.

Let us know what they said if you try them

[mickkk]

Tio does not do agrees value cover.

[Bad Kitty]

Allianz does agreed value on mine

[mickkk]

Was just on the phone with GIO for 1 and 1/4 and then got cut off with no quote. 30 mins giving info and the rest on hold while they work it out...... Wont be ringing back.

[Quinny]

Just for shit & giggles ... I went around a few insurance sites getting some quotes...

07 GLX-r V6...

added common mods - lift, bar work, stereo, roof racks etc...


Suncorp - over $1000 agreed $35700... Can't change agreed...

AAMI... $650 odd.. agreed $25,000 - can upgrade agreed to $35000 with no change in rate...

RACQ... around $700 - agreed $26000....

Why does the number change so much ?... Suncorp would be much cheaper if you do the house insurance etc...

[Cowboy Dave]

The odd thing is that AAMI is owned by Suncorp. Until last year Suncorp owned a fair chunk of RACQ too.

[big_bob_thefirst]

I just got a decent quote with budget direct. Have to see now what happens when I start modding...

800 bucks agreed value 32000... See what happens once I add the bash plates and go from there...

[jos89h]

I wish my insurance was as cheap as you guys get! Being only 22 my premium is $100 a month or $1100 a year and thats with a 55% no claim bonus! And that's with a flexi excess of $800 (making my total excess around $2000

[Wilson191]

hi i pay about 100 bucks a month for my 08 vr, unfortuantly i wrote it off last friday (day after my 23rd birthday) i have an excess of $1100, still waiting for payment to be processed but...
un fortuantly i insured it as market value as it was more than what i payed for it back in may, but i had a canopy which i loved (previous owner had a tub liner and flexi glass canopy that was lined with marine carpet) and is now rooted (they dnt take it very well when u flip them on the roof a couple times).
but im definatly getting another triton. just got to find a good priced one.

[dan.batto]

^^ speak with boycee his mate is selling one.... Sorry to hear though mate!!! Sounds like (and i hope) no one was injured which is a good outcome even though the car may have been a write off

[godzilla_rising]

Hoping that I havent missed blatant topics in the searches I have done...but whenever I have tried looking for information on what people are doing for insurance I would get hits on all the trip threads and the standard disclaimers. I even looked in the Forum Directory to no avail...

So why dont we start a thread which can bring together all the information on the best (or worst) 4WD Insurance providers out there, the deals that people have and any other info that might be useful. I know it will help me out, and most likely a whole heap of other new guys (and maybe not so new guys) when it comes to information on Insurance.

Unless of course I really have missed something so blatantly obvious...

[borngeek]

Probably this thread.
Insurance companies

//$1700 AAMI. (agreed value, 1 windscreen) Highway robbery

[fridgie]

Racq, all mods listed, agreed value, pay by the month approx $720/yr from memory

[motoz]

Yes that would be the thread...

//$900 RAA (agreed value, all listed accesories covered, on or offroad) Well Chuffed

[NowForThe5th]

Or this one:
http://www.newtriton.net/phpbb/viewtopic.php?f=18&t=6652&p=113462&hilit=insurance#p113462

or this:
http://www.newtriton.net/phpbb/viewtopic.php?f=18&t=3979&p=58967&hilit=insurance#p58967

or:
http://www.newtriton.net/phpbb/viewtopic.php?f=18&t=529&p=7830&hilit=insurance#p7830

Maybe one of these:
http://www.newtriton.net/phpbb/search.php?keywords=insurance&terms=all&author=&sc=1&sf=titleonly&sr=posts&sk=t&sd=d&st=0&ch=300&t=0&submit=Search

[highcountryvic]

Stock GLXR2012 Agreed value $42000 - AAMI $600 1 windscreen

[dan.batto]

My insurance policy with Just car Insurance is now up for renewal...

Got a letter in the mail saying its due in Sept, I nearly died when I saw it was almost $2000! I though nope not on! Their prices have gone up!
So I have been on the phone to a couple companies, AAMI and GIO, and have filled out the Online form for Australian 4wd Insurance (DGA Insurance Brokers). Already had the first 2 quotes come in at almost $500 cheaper! Thats partway to my next mod!
Anyway, GIO told me they don't insure for 4wd parks. Not that it bothers me because there aren't any in Vic, but why won't these places insure you in a 4wd park?

[ratstriton]

My insurance policy with Just car Insurance is now up for renewal...

Got a letter in the mail saying its due in Sept, I nearly died when I saw it was almost $2000! I though nope not on! Their prices have gone up!
So I have been on the phone to a couple companies, AAMI and GIO, and have filled out the Online form for Australian 4wd Insurance (DGA Insurance Brokers). Already had the first 2 quotes come in at almost $500 cheaper! Thats partway to my next mod!
Anyway, GIO told me they don't insure for 4wd parks. Not that it bothers me because there aren't any in Vic, but why won't these places insure you in a 4wd park?

Roads have to be a Gazetted road meaning they have to be on a map.

[Cowboy Dave]

And obviously the risk is different. More chance of accidental damage doing hard core 4wding than a quick drive to the local shops I would have thought.

[fridgie]

I just got a decent quote with budget direct. Have to see now what happens when I start modding...

800 bucks agreed value 32000... See what happens once I add the bash plates and go from there...

Mine around $700ish, agreed value 40k with racq (EVERY mod listed )

[gls_triton]

Hey fridgie, you know that post was from october last year?

Im with Suncorp and I am covered all places as long as im not racing or being irresponsible and using the vehicle within reason... About $140 p/month for a 22y old Male with a previous claim, agreed value of 35k, with mods listed...

[fridgie]

Yeah mate, but looked into budget direct and for the price wasn't happy with the coverage so thought I'd share

[gls_triton]

Yeah... just thought you might have been trying to get a hold of him lol...

I wonder if anyone here has actually made a claim for damage done off road (rolled the truck, smashed a window etc)... Well maybe not window, cause I get a free window claim each year lol

How well did the claim go down? Did they try and screw you around?