Howdy - I am considering buying a Vl rb20det in Perth. I was really considering it until I called SGIO Insurance that currently handle my insurance of my na Vl and they said they would not insure the RB20 coz its too modified and it would be difficult to get parts for it if I had an accident. Does anyone know of any insurance companies that insure modified cars and if so, do you know pricing per year? cheers
ps. she said that it has nothing to do with my age, its purely the fact that the cars highly modified. tah
ring just cars insurance on 131326. Only problem with them is it doesn't matter what rating your were on you start with a rating 6. I got quote 1,700 for my vl calais with a rb25det. they said I could mod it as much as I wanted as long as it was legal and they knew of every mod. Keep in mind I'm younger than 25 too. They said the car could only be valued at what a VL turbo is worth eve nthough i would have spent more money on it. So my value was 9,500 meaning if I wrote it off they gave me only 9,500. However this value goes up with mods. there are other out there but you'll pay for it. Ty a broker. I know a guy who's got his XD sedan insured for 40 grand through a broker but believe me he's paying for it.
Bloody insurance, its a killer for a new driver!! Its not worth comprehensive unless u total your car and theres nothing left.... Otherwise, after the $1000 excess they charge you for making a claim, for most incidents it isnt worth it... Im gonna have to insure my car soon (when i get it :P ), what do u guys reccomend? fork out the $2700 for comprehensive or just go with 3rd party and hope i dont **** it up... seems like a tough call....
Think about this Walky: If you only have 3rd party insurance and you run into a BMW for example you are up for a lot of money for repairs.....go full cover. It will get cheaper after a year or so.
2fardown that is incorrect
if you do not have any insurance, you will have to pay for damage to both cars. however assuming you're driving a registered car, it will cover and persona damage you cause.
if you have 3rd party then it will cover that BMW u just smashed up, however it won't fix your car.
If you have full comp it will cover both cars.
..if you take out a loan to buy a car I think your required to have full comp insurance to cover your arse if you write it off.
Shannons are good, I've got full comp on my EH for $6000 + $3000 for the wheels, any mods as long as its legal. I'm paying about $500 a year - gets debited from my bank account monthly ($40 something a month). They actually prefer to see mods like brake upgrades etc coz they are safety enhancements - unlike those other insurance pricks who think that factory spec cant be improved upon :evil:
Shannons also allows you to insure at reduced rate if you state that its your second car and you only drive the car on weekends etc.
just cars seems to be the best, i checked out alot of insurance companies and just cars seemed to be the one that didnt really care what u done to ur car, where as most of the others have too many restrictions
Quote:
Originally Posted by HOLD64
..if you take out a loan to buy a car I think your required to have full comp insurance to cover your arse if you write it off.
not true. i took out a $5000 loan to buy my calais and dont have full comp insurance.
..hmmm maybe depends on how much you borrow and who you borrow from. I was looking at borrowing around $20000 to buy a WRX and I was required to have full comp insurance for this. Wasn't prepared to pay that much for insurance so decided I'd make the EH faster than a wrex instead :twisted:
Quote:
Originally Posted by Sin
if you do not have any insurance, you will have to pay for damage to both cars. however assuming you're driving a registered car, it will cover and persona damage you cause.
if you have 3rd party then it will cover that BMW u just smashed up, however it won't fix your car.
If you have full comp it will cover both cars.
Sin this depends on what state your from. you will have to pay extra in queensland for this kind of cover.
Give RACQ a try, i got third party property,fire and theft through them for 430bucks for my calais turbo and its insured for 10g and im 18 years old so yeah might be a goer
i got a n/a vl, got rejected from one company when they heard i was 17 with avl, racq insured me with mags,spoiler,exhaust, saying these mods were nothing big, $600for fully comprehensive but since i had no job iwent $200 third party house fire and theft, if i hit a car they're covered but i pay my own damages, dunno how it works everywhere else but this is for queensland
I'm paying $1135 per year on full comprehensive on a Turbo VL Commodore Exec. from the RACV, which is less than the $1250 I would have been paying for an N/A. How the **** does that work? (P.S. I'm 17, going on 18 for P's).
i have mine through just cars and it costs me $338 for third party without fire and theft with some mods. like sir calais said you can have as many mods as you want as long as they're lega.l
murder city
Quote:
I'm paying $1135 per year on full comprehensive on a Turbo VL Commodore Exec. from the RACV, which is less than the $1250 I would have been paying for an N/A. How the f**k does that work? (P.S. I'm 17, going on 18 for P's).
how the ****??
im 18 been on p's 3 months, called RACV and they quoted me $1700 threw my dad full comp.......how in the **** can you get it soo cheap??
