How Pathetic. - Page 3

MITCHAY · 31-10-2006, 07:28 PM

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

Pinkbits · 31-10-2006, 07:29 PM

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)

**Sorted** · 31-10-2006, 07:45 PM

Quote:

Originally Posted by sfr rob

whats the definition of a "locked garage".

Depends on what insurance company it is as they will have different specifications.

It will be somewhere in your policy wording............

4.9 EF Futura · 31-10-2006, 07:52 PM

Quote:

Originally Posted by DeathXR

Really? I thought AAMI was in the 'oh you have mods? then you have no insurance with us anymore' group of insurers.

Guess who's book Just Cars are underwriting to? Just Cars is just a distribution channel... a dressed up broker, as it were.

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!"

BroncosXR8 · 31-10-2006, 08:00 PM

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.

**Silver Ghia** · 31-10-2006, 09:41 PM

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.

SpoolMan · 31-10-2006, 09:58 PM

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.

**GasoLane** · 31-10-2006, 09:58 PM

Quote:

Originally Posted by Silver Ghia

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.

Think about what you just wrote. How many people are going to choose where to live based soley on the car care factor?

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!

ls f6 · 31-10-2006, 10:50 PM

Quote:

Originally Posted by 4.9 EF Futura

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?

Not quite. Seems you are confusing 'Australian Allied Insurance' (ie a reporting division of the ASX listed company Promina Ltd, which underwrites the policies distributed by the wholly owned brands Shannons & APIA), with Allianz. Allianz being a global insurance giant, with an Australian presence, completely unrelated to Promina (Promina itself being a comparatively tiny spin-off from former parent company Royal & Sun Alliance of the UK).

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.

red_hotxr6 · 01-11-2006, 08:34 AM

Quote:

Originally Posted by GasOLane

We have'nt been concentrating, have we?

Shannons dont want him!

and ...forget who?

Sorry the kids are giving me a hard time at the moment.

**Full Noise** · 01-11-2006, 09:34 AM

Where’s Yaw? He’s usually good for some inside info.

ea_boss_05 · 01-11-2006, 09:47 AM

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?

LeadFoot81 · 01-11-2006, 11:32 AM

I think the suburb has a lot to do with it. (as well)

GXL078 · 01-11-2006, 11:39 AM

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.

Laminge · 01-11-2006, 11:46 AM

Quote:

Originally Posted by xcgxl

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.

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.

TS50 · 01-11-2006, 12:09 PM

Quote:

Originally Posted by xcgxl

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.

Thats fine, unless it gets stolen, then seeing you lied, no insurance payout
Paid the premium for nothing

Remeber trying to defraud a insurance company seems to be worse than commiting a murder

05MkIIFutura · 01-11-2006, 12:17 PM

Quote:

Originally Posted by MITCHAY

You a pay premium (in my case extremely high), what business is it of theirs to say how it is stored/parked. I've got an open carport for my car. Having it in a locked garage wouldn't make me feel any more comfortable.

It is 100% THEIR BUSINESS. Its not like they are deciding if you can breath air or not, getting asset protection is up to BOTH parties accepting the risk and the associated costs (premiums).

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"

**Silver Ghia** · 01-11-2006, 12:52 PM

Quote:

Originally Posted by GasOLane

How many people are going to choose where to live based soley on the car care factor?

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!

Shannons provide insurance for car enthusiasts (at least thats what their ads say).

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:

Originally Posted by GasOLane

Think about what you just wrote.

I think quite clearly what I write thanks! Perhaps people should not be so pathetic in knocking others and Shannons, without thinking first.

OzJavelin · 01-11-2006, 01:04 PM

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??

kooky · 01-11-2006, 01:21 PM

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.

Jeeepers · 01-11-2006, 01:47 PM

Quote:

Originally Posted by REDXR8BLOKE

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)

I'll try them, if my current contact fails. Having worked last and thinking on this, and reading all the replies since I last logged in? I'm really thinking, what's it all for?

Jeeepers · 01-11-2006, 01:51 PM

Quote:

Originally Posted by SpoolMan

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.

It's lookin' like the option Mark. I assume they can be found in the Telstra bible. I'll let my fingers do the walking.... :Reverend:

Jeeepers · 01-11-2006, 01:55 PM

Quote:

Originally Posted by xcgxl

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.

Quite easily.

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.

4.9 EF Futura · 01-11-2006, 02:21 PM

Quote:

Originally Posted by ls f6

Not quite. Seems you are confusing 'Australian Allied Insurance' (ie a reporting division of the ASX listed company Promina Ltd, which underwrites the policies distributed by the wholly owned brands Shannons & APIA), with Allianz. Allianz being a global insurance giant, with an Australian presence, completely unrelated to Promina (Promina itself being a comparatively tiny spin-off from former parent company Royal & Sun Alliance of the UK).

Ah yes, good save. Appreciate the correction... a quick look at the PDS demonstrates this

Thankyou!

bob^ · 01-11-2006, 04:57 PM

Quote:

Originally Posted by OzJavelin

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??

I have a padlock on the inside of the roller door, and then a solid personal access door with one of them deadlock type locks, can only be opened with a key.

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.

TS50 · 01-11-2006, 05:01 PM

always locked, but its part of the house, so if they get in there, they are in the house

Auslandau · 01-11-2006, 05:23 PM

Quote:

Originally Posted by OzJavelin

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!!

I built the garage when I bought the car. Wouldnt have got it if I didnt have it. Car always locked in there, behind gates, with minimum 3 cars in front of it down the drive way at all times. Call me paranoid but, exactly like insurance companies, I dont want to take the risk because there are people out there who are dying to take it.....!

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notty1978 · 01-11-2006, 05:27 PM

im with cgu they were $400 a year cheaper then shannons and with all the mods on my car
extra $400 in my pocket

4.9 EF Futura · 01-11-2006, 05:28 PM

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

Redrum · 01-11-2006, 05:58 PM

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.