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31-10-2006, 07:28 PM | #61 | ||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,431
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We've got a lock up garage but I don't park my car in it. It's for my brother's VH funnily enough.
Bogans won't go for my car they will go for his car which doesn't even start cause it's fully sick :P |
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31-10-2006, 07:29 PM | #62 | ||
FF.Com.Au Hardcore
Join Date: May 2005
Location: In my shed
Posts: 5,066
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Kev, give Swann a ring. We have had the AU insured with them since day 1, way under a thousand and pay by the month option.
One no fault claim of $600 and no increase either (other party not insured) |
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31-10-2006, 07:45 PM | #63 | |||
OzEcruisers PRESIDENT
Join Date: Mar 2005
Location: Melbz
Posts: 15,761
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Quote:
It will be somewhere in your policy wording............
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1994 Ford Fairmont EF NA 6cyl Man 3.9 diff Sedan PROEF 13.46 @ 105.78mph Tuned by DYNOMOTIVE 200BUX - AFF Drag Nats 2019 EF Wagon
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31-10-2006, 07:52 PM | #64 | |||
Official AFF conservative
Join Date: Dec 2004
Location: Adelaide, SA
Posts: 3,549
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Quote:
Same deal with shannons... underwriting risks to Allianz' book. But with the skill, expertise, marketing, systems to cope with a "specialised" risk that Allianz would find too inefficient to write. Unfortunately insurance in australia has been turned into a commodity, much like what's happened with banking products. They're all the same, so people go for the cheaper offering. Why wouldnt we? So... i doubt this will work, as not many people are willing to customise a commodity offering... But ask for an exclusion on theft? The garage requirement is obviously to do with the theft component of the cover. See if there is a product offering which doesnt include theft? Or just go to a broker. "Maaaaaaaate, have I got a deal for you!"
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A cup half empty... but full of euphoria. |
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31-10-2006, 08:00 PM | #65 | ||
Soldier on
Join Date: Feb 2005
Location: Sydney
Posts: 120
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When looking for insurance for my lightly modded XR8, a Broker literally laughed at me and my wife! Ended up with Just cars paying through the roof.
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31-10-2006, 09:41 PM | #66 | ||
Moderator
Join Date: Jun 2006
Location: Foothills of the Macedon Ranges
Posts: 18,573
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If you love your car, think about moving to another place thats got a nice big garage. Your car stays much better protected from the sun or rain, so the rubbers, interior etc doesn't deteriorate as quick.
I'm been with Shannons for my 3 cars (2 hobby cars) for some years now, and I fully recommend them. I can see why they want a lock up garage, to keep premiums down for all customers. |
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31-10-2006, 09:58 PM | #67 | ||
Solution Was Boost 4?, 6 & 8
Join Date: Dec 2004
Location: Melbourne
Posts: 23,624
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AAMI, Just car insurance, Australian Pensioners Insurance Agency, RAC Insurance and Shannons all owned by the same company the Promina Group.
http://www.promina.com.au/dirp/promi...rect+Insurance Kev find a good insurance broker and see what he can find for you.
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[SIGPIC][/SIGPIC]
AUTOTECH TUNED EDELEBROCK CHARGED 2017 GT Mustang Plenty of RWKW |
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31-10-2006, 09:58 PM | #68 | |||
Former BTIKD
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Quote:
Of course if you are really paraniod you'll just rent some air-cond space (humidity controlled of course) and never drive it, that way it wont deteriorate at all!
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Dying at your job is natures way of saying that you're in the wrong line of work.
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31-10-2006, 10:50 PM | #69 | |||
Regular Member
Join Date: Feb 2006
Posts: 30
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Quote:
To say insurance products in Australia are a commodity couldn't be further from the truth, be it general insurance of life/disability insurances. Usually (although not always) cheap premiums mean poor cover. |
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01-11-2006, 08:34 AM | #70 | |||
Banned
Join Date: Dec 2005
Location: brisbane
Posts: 2,039
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Quote:
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01-11-2006, 09:34 AM | #71 | |||
Life begins at 40
Join Date: Jan 2005
Location: Melbourne. Socialist capital of Victoriastan.
Posts: 3,715
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Where’s Yaw? He’s usually good for some inside info.
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Quote:
Justice is what you get when you run out of money.
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01-11-2006, 09:47 AM | #72 | ||
Regular Member
Join Date: Apr 2005
Location: melbourne
Posts: 317
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Ring AAMI they had no problems with the mods on my XR, and I only have a car port. Maybe it comes down to the suburb you live in?
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01-11-2006, 11:32 AM | #73 | ||
_Oo===oO_
Join Date: Dec 2004
Location: Australia
Posts: 3,305
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I think the suburb has a lot to do with it. (as well)
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01-11-2006, 11:39 AM | #74 | ||
FF.Com.Au Hardcore
Join Date: Oct 2006
Posts: 1,652
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How will they find out you don't have a garage? I have insured my car with them and they ahve never even seen it, only the photos I emailed them. For the first year I didn't even have the immobilisor I was meant to have, all they required was for me to fax them the instruction sheet of an immoboliser to see if it complied.
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01-11-2006, 11:46 AM | #75 | ||||
Cuban... nothing like it
Join Date: Dec 2004
Location: Watching in amusement
Posts: 11,643
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Quote:
They certainly know now, might pay not to post images of your car up on a public forum that can be accessed by insurance companies and then make claims like that.
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Quote:
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01-11-2006, 12:09 PM | #76 | |||
FF.Com.Au Hardcore
Join Date: Dec 2004
Location: Tasmania
Posts: 3,579
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Quote:
Paid the premium for nothing Remeber trying to defraud a insurance company seems to be worse than commiting a murder
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2002 T3 Manual Naroma Blue TS-50 (049)Sunroof, Premium Sound, Black/Blue Leather Brembos |
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01-11-2006, 12:17 PM | #77 | |||
SV6000. Yum
Join Date: Aug 2006
Posts: 846
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Quote:
The insurer may well accept the risk but you might not like the premium. Imagine what they would say, "what business is it of theirs to say how much we charge to cover their risk" |
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01-11-2006, 12:52 PM | #78 | ||||
Moderator
Join Date: Jun 2006
Location: Foothills of the Macedon Ranges
Posts: 18,573
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Quote:
I think its up to Shannons to decide the risk factor, and they obviously have come up with the fact that a locked up garage lowers the probability of damage or theft of a vehicle, especially for modded or collector cars, to be able to provide reasonable cost premiums. If someone considers themselves an enthusiast, they would provide the best protection for their car and that includes how its protected from damage, theft as well as the elements. Some enthusiasts do have controlled environment igloos for their car, most just have it in a locked garage. I was only suggesting it would be a good idea to provide a garage for his pride and joy, if he's really an enthusiast. If he can't do that and its against Shannons policy, then I dont think they should insure him. Quote:
Last edited by Silver Ghia; 01-11-2006 at 01:05 PM. |
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01-11-2006, 01:04 PM | #79 | ||
FF.Com.Au Hardcore
Join Date: Jun 2005
Posts: 3,633
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So .. how many people here with a lockup garage actually lock it? I bet if the wife's car is in there too, she won't lock it (or even close the door!) 'cos it's too much trouble when she goes to drive out again!!
Unless the house is a rental, personally I'd just "enclose" the carport. It can't end up costing more than say $3Kcan it?? |
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01-11-2006, 01:21 PM | #80 | ||
WRX terrorist
Join Date: Dec 2004
Location: on boost
Posts: 966
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I actually have a padlock on the outside of my garage, and the garage is behind 6 ft high gates as well, I always put the car away and lock the garage every time, I guess it is more about how much you care about your posessions, be buggered if I let some scumbag knock my car off or dammage it. There are enough lunatics on the road as it is with out having to worry about it at home.
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: MY-03 STi :
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01-11-2006, 01:47 PM | #81 | |||
Merry Xmas To All
Join Date: Feb 2006
Location: Melton South, Moderator: ORSM Club
Posts: 3,413
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Quote:
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01-11-2006, 01:51 PM | #82 | |||
Merry Xmas To All
Join Date: Feb 2006
Location: Melton South, Moderator: ORSM Club
Posts: 3,413
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Quote:
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01-11-2006, 01:55 PM | #83 | |||
Merry Xmas To All
Join Date: Feb 2006
Location: Melton South, Moderator: ORSM Club
Posts: 3,413
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Quote:
Let's say I have a fender bender, and make my claim. A snappy assessor with a bit of noodle, and an eye for upward movement decides to visit me at home. "whoops" No garage, sorry we can't pay your claim. You failed to disclose the vehicle was not garaged. Buzzzzzz you lose. |
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01-11-2006, 02:21 PM | #84 | |||
Official AFF conservative
Join Date: Dec 2004
Location: Adelaide, SA
Posts: 3,549
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Quote:
Thankyou!
__________________
A cup half empty... but full of euphoria. |
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01-11-2006, 04:57 PM | #85 | |||
LPS
Join Date: Mar 2005
Location: Geelong
Posts: 1,601
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Quote:
And then the car also gets locked when its in there. If they go to the trouble of getting in there, then they can have whatever they get their hands on. |
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01-11-2006, 05:01 PM | #86 | ||
FF.Com.Au Hardcore
Join Date: Dec 2004
Location: Tasmania
Posts: 3,579
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always locked, but its part of the house, so if they get in there, they are in the house
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2002 T3 Manual Naroma Blue TS-50 (049)Sunroof, Premium Sound, Black/Blue Leather Brembos |
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01-11-2006, 05:23 PM | #87 | |||
335 - STILL THE BOSS ...
Join Date: Dec 2004
Location: Melb East
Posts: 11,421
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Quote:
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'73 Landau - 10.82 @ 131mph '11 FG GT335 - 12.43 @ 116mph '95 XG ute - 3 minutes, 21.14 @ 64mph 101,436 MEMBERS ......... 101,436 OPINIONS ..... What could possibly go wrong! Clevo Mafia [SIGPIC][/SIGPIC] |
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01-11-2006, 05:27 PM | #88 | ||
NOTTY
Join Date: Mar 2005
Location: Dubbo
Posts: 364
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im with cgu they were $400 a year cheaper then shannons and with all the mods on my car
extra $400 in my pocket |
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01-11-2006, 05:28 PM | #89 | ||
Official AFF conservative
Join Date: Dec 2004
Location: Adelaide, SA
Posts: 3,549
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If I were that paranoid about my car - i wouldnt be living there.
I leave my car under an open carport or parked on the driveway/back lawn. Always unlocked, usually with windows down etc. Hah, and people in the Eastern states rib me for living in Adelaide!!! Have fun with all your security measures
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A cup half empty... but full of euphoria. |
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01-11-2006, 05:58 PM | #90 | ||
Force Fed Fords
Join Date: Nov 2005
Location: Victoria
Posts: 5,556
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Car insurance, what a pain. I know with Shannons, best to deal with someone in person at a show. They are some what more understanding than the person on the end of the phone.
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2021 Focus ST-3 Mountune Enhanced |
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