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The Pub For General Automotive Related Talk |
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#1 | ||
Regular Member
Join Date: Jul 2017
Posts: 214
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Well after my breaking my windscreen I am considering a change in my insurance provider. (long story short they screwed me over)
I have a Ford XR6 Turbo FGX 2015 with no mods, bone stock. I may be doing a few upgrades in the future, but nothing too crazy. just after an idea of what people pay for insurance and who they are with. I am located in western Sydney if anyone else lives in the area would be able to give me an idea of pricing and coverage. |
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#2 | ||
Moderator
![]() Join Date: Jan 2014
Location: Melbourne
Posts: 7,940
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Not in Sydney, but I pay $896 full comp in Vic for the FG XR6T, which includes free windscreen per year, extra car hire above the normal period if stolen, in for repairs, and market value.
Although I'm Rating 1, no accident claims (at fault) in over 40 years and 58 years old, so that makes a difference I guess. |
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#3 | |||
Regular Member
Join Date: Jul 2017
Posts: 214
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Quote:
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#4 | |||
Former BTIKD
![]() Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Quote:
__________________
Dying at your job is natures way of saying that you're in the wrong line of work.
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#5 | ||
Donating Member
![]() Join Date: Dec 2004
Location: Sydney
Posts: 1,940
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Western Sydney, FGX XR8 insured for $61k, $1575 p.a. with NRMA. Even though my car is stock, the policy says the value is for all accessories and modifications (except for Nitrous unfortunately)
__________________
My Resume: Current: Alfa Romeo Giulia Quadrifoglio in Vulcano Black MY18 Black WRX STi Spec-R Previous: '16 White FGX XR8 '09 Black FG FPV GT 5th Anniversary '04 Blueprint BA XR8 '97 Mocha Foam EL Fairmont |
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#6 | ||
FF.Com.Au Hardcore
Join Date: May 2009
Location: Brisbane (Southside)
Posts: 1,154
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I know its not a Ford, but for comparison sake:
Southside of Brisbane 2017 Commodore SSV Redline - Agreed Value ($62k) with Windscreen Cover - $109/Month with QBE My policy covers Modifications and Accessories as long as I Disclose them.. I had to make 2 Claims with QBE on my Mazda (both not at fault if that makes a difference) and they where a pleasure to deal with and got my car sorted very quickly without drama's...
__________________
2008 FG XR6 Turbo ZF In Sensation - Gone, but not Forgotten.... Hers: 2024 Ford Everest Platinum in Equinox Bronze His Daily: 2020 (MY21) Kia Sorento GT-Line in Mineral Blue His Weekender: 2017 Commodore SSV Redline manual in Light My Fire Orange |
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#7 | ||
FF.Com.Au Hardcore
Join Date: Jul 2010
Location: NSW
Posts: 4,325
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Been with NRMA for about 10 years. They have always been one of the cheapest for me.
I have made two claims where others have damaged my car. Easy as, never had any issues. If you look at reviews online EVERY insurance company will have bad reviews of screwing people over. It's just what they do. They will never not do it. |
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#8 | ||
WT GT
![]() Join Date: Jan 2006
Location: The GSS
Posts: 17,764
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Inner West Sydney, 2011 335 GT, Coles (IAG), market value (~$38k), named drivers, $600 excess, $798.00.
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#9 | ||
FF.Com.Au Hardcore
Join Date: Mar 2006
Posts: 3,910
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I'm with Shannons. At the moment I have $95K of vehicles with them for $150/month. Ford Ranger, XR6 Turbo, XB GT, modified Porsche. That includes windscreen and glass cover, choice of repairer, $500 of tools cover, $1000 trailer cover, 14 days car rental, etc...
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#10 | ||
FF.Com.Au Hardcore
Join Date: Feb 2008
Location: WA
Posts: 3,705
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$550 new for old although that expires this year.
QBE. FGX. Only condition. No drivers under 25.
__________________
www.bseries.com.au/mercurybullet 2016 Falcon XR8. Powered by the legend that is - David Winter. XC Cobra #181. 1985 Mack Superliner, CAT 3408, 24 speed Allison. |
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#11 | ||
Regular Member
Join Date: Jul 2014
Location: Bundoora VIC
Posts: 246
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Kind of pointless asking what other people pay for insurance, as what you'll be quoted will be dependent on the area you live in (and the stats based on that area), your age, previous accident records and will have little relevance to what other people are paying. The best thing you can do is just shop around with as many insurers as possible and see who will look after you the best with the options you need (windscreen cover, low excess, agreed value etc).
__________________
Current Rides: HIS - 2018 PDe Hyundai i30 N 6M - Performance Blue HERS - 2020 MR Mitsubishi Triton GLX-R 6M - Red Past Rides: 1997 EL Ford Fairmont 4A - Navy Blue 2006 BK Mazda 3 SP23 5A - Carbon Grey 2010 LV Ford Focus XR5 Turbo 6M - Frozen White 2013 LW Ford Focus ST 6M - Panther Black |
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#12 | ||
Peter Car
Join Date: Dec 2004
Location: geelong
Posts: 23,145
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I found found Shannons to be excellent. Covered all my mods no issue.
RACV wouldn't even cover stereo gear worth more than $1000, and the one time I made a claim after one of my cars was stolen they sent an investigator out and interviewed me, and demanded my phone records. Pricks. |
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#13 | |||
FF.Com.Au Hardcore
Join Date: Apr 2014
Location: Melbourne
Posts: 1,289
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Quote:
Sent from my SM-G950F using Tapatalk |
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#14 | |||
Moderator
![]() Join Date: Jan 2014
Location: Melbourne
Posts: 7,940
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Quote:
So they treat the car as being factory stock standard for market valuation purposes. They don't seem to care about performance mods, so long as they are legal and the car is kept in a roadworthy state. |
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#15 | |||
FF.Com.Au Hardcore
Join Date: Jan 2006
Posts: 2,125
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Quote:
It’s funny how insurance companies can vary premiums based on age, gender and suburb (which is a mild form of discrimination) when really, if they want to reduce insurance fraud they should vary premiums based on religion ![]() |
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#16 | ||
FF.Com.Au Hardcore
Join Date: Mar 2006
Posts: 706
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how are people getting these low insurance prices,mid 40s here cars secured,no claims,no traffic infring for over 10 years semi rural vic but have all modifications listed and with min use as have a company car, with shannons before that lumley .alot of the profiles here listed with the mods, those ins companies wouldnt even touch when i enquired
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#17 | |||
FF.Com.Au Hardcore
Join Date: Feb 2008
Location: WA
Posts: 3,705
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Quote:
Brand new cars are always much cheaper for some reason. Once my ba reached 10 the premiums became astronomical and that's when I switch to 3rd party fire/theft. Just received the renewal for the fgx, it's 4 years free replacement. $562
__________________
www.bseries.com.au/mercurybullet 2016 Falcon XR8. Powered by the legend that is - David Winter. XC Cobra #181. 1985 Mack Superliner, CAT 3408, 24 speed Allison. |
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#18 | |||
Former BTIKD
![]() Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Quote:
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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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#19 | ||
FF.Com.Au Hardcore
Join Date: Mar 2006
Posts: 706
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no finance on anything,own everything but yes most are over 10 yrs of age.prob should go 3rd party as havnt driven any of them since last june now
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#20 | ||
Kicking back
Join Date: Dec 2013
Location: Western sydney
Posts: 8,567
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People often dont tell insurance companies about modifications, and that can bite you in the posterior if you either get denied a payout or get it fixed and performance parts get replaced with stock ones. To be fair my ex wifes g6 when we bought it had 17s off an au fairlane or 75th anniversary fairmont and i put a set of 18s from an era specific xr6 on it and that hasnt been put on the insurance, however they dont know if it was a box ticked on the original sale form and it was a second hand car. To be honest if it got in an accident and came back with the correct g6 wheels id be happy for that. Also a lot has to do with the rate of claims in the area you live in. When i was living at my mums a decade ago, whilst it was an extremely wealthy area, i was paying 1100 for a car that i offloaded for 500. When i payed 20g for a car once i had moved to a reasonably dodgy area full compo was 700. I dont know the real reason, but talking to the folks where my mum lives, they claim every time there is any mark on their cars. And to a degree from what i have seen there is the robin hood effect. Why would you steal average things from an average area when you can do the same in an afluent area and come out better. To a degree once insurance companies assess the genuine risk, they put the extra on if they now people in the area can pay it.
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#21 | ||
FF.Com.Au Hardcore
Join Date: Feb 2013
Location: Perth
Posts: 827
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Even though an insurance company accepts your modifications and covers you for them, they also state that the vehicle needs to be in a road worthy condition. So if any of the modifications may have attributed to an accident and they make your vehicle un-roadworthy they have the option to deny your claim.
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#22 | ||
FF.Com.Au Hardcore
Join Date: Jul 2012
Posts: 3,878
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Yeah but roadworthy is a pretty wide ranging requirement.If a modification is not detrimental to the safety of the vehicle,then it isn,t an issue.Problem is different testers have slightly different opinions on RWC standards.Some will say if it is safe it,s ok!others get pedantic of the smallest item.Technically if the windscreen has a chip its unroadwothy even though it is perfectly safe,likewise even down to no water in the washer bottle is unroadworthy.In fact a few years ago the Victorian Roads inspectors would write out a ticket if a truckie had an empty washer bottle,if they couldn,t find anything else wrong
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#23 | ||
Regular Member
Join Date: Oct 2013
Location: QLD
Posts: 62
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Where can you get a brand new door or guard for a BA these days?
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#24 | ||
FF.Com.Au Hardcore
Join Date: Mar 2006
Posts: 706
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are you asking a question or making a point ?
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#25 | ||
FF.Com.Au Hardcore
Join Date: Jan 2006
Posts: 2,125
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#26 | ||
FF.Com.Au Hardcore
Join Date: Jul 2012
Posts: 3,878
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You are correct.Insurance Co,s are only required to repair a vehicle to pre claim condition,but nearly always the repaired panels are better than before.
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#27 | |||
Former BTIKD
![]() Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Quote:
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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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#28 | ||
Regular Member
Join Date: Oct 2013
Location: QLD
Posts: 62
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Both, the age of the car and availability & cost of parts for repairs has an effect on premiums. Just because the car is older doesn't mean it's cheaper to fix.
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#29 | ||
Regular Member
Join Date: Jul 2014
Location: Bundoora VIC
Posts: 246
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Can also add that better security on newer cars as opposed to older cars can also contribute to lower premiums.
__________________
Current Rides: HIS - 2018 PDe Hyundai i30 N 6M - Performance Blue HERS - 2020 MR Mitsubishi Triton GLX-R 6M - Red Past Rides: 1997 EL Ford Fairmont 4A - Navy Blue 2006 BK Mazda 3 SP23 5A - Carbon Grey 2010 LV Ford Focus XR5 Turbo 6M - Frozen White 2013 LW Ford Focus ST 6M - Panther Black |
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#30 | ||
FF.Com.Au Hardcore
Join Date: Dec 2014
Posts: 924
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I've found QBE to be the cheapest for me, and I've had to make claims with them before, they're pretty good.
I got a decent market value on my written off car. Had no trouble at all with the windscreen replacement when some derros smashed my windscreen, and repairs when someone merged into me were no problem. I did an online quote with them and it's heaps more than I actually do pay, so they may not be so cheap anymore. |
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