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The Pub For General Automotive Related Talk |
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#1 | ||
Regular Member
Join Date: Feb 2011
Location: Goulburn, NSW
Posts: 153
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So i just got a quote from AAMI of just over $3500 to insure soon to be my 2005 BA Mk II XR6
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#2 | |||
Cane Farmer
Join Date: Jun 2006
Location: Tom Price, WA
Posts: 4,056
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I remember seeing a site ages ago comparing premiums for P-Platers...Either way mate, you're gonna pay a lot.
I got my XR6 when I was 19...And with my mum on the rego as the 1st driver, it was still costing me $1200ish a year for insurance. Ahhh the bonus of being a male aged under 25 in a 'performance' vehicle.
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1994 ED XR6T - Cobalt Blue. 2009 FG XR6 - Black. Quote:
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#3 | ||
Browsing here and there..
Join Date: Aug 2009
Location: Melbourne, Victoria
Posts: 2,075
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Insurance in your parents name is alot cheaper.
Just put yourself down as one of the designated drivers. Try Just Car Insurance too, they seem to be alot cheaper than most places for the younger generation. |
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#4 | ||
Former BTIKD
![]() Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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P plater (and possibly under 25) + XR6 = Big dollars and in a suburb with a high theft rate even bigger dollars
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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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#5 | ||||
Cane Farmer
Join Date: Jun 2006
Location: Tom Price, WA
Posts: 4,056
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Quote:
I've found too it helps to actually ring up the mob, you can usually wring out some extra coverage like windscreen cover for no extra cost. I found AAMI to be the best.
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1994 ED XR6T - Cobalt Blue. 2009 FG XR6 - Black. Quote:
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#6 | |||
FF.Com.Au Hardcore
Join Date: Jul 2010
Location: NSW
Posts: 4,324
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Quote:
This^ NRMA seams to be cheap for me as well. All these stupid companies that plays there ads every 5 minutes bragging about how cheap they are, always end up being the most expensive ones on my quotes. |
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#7 | |||
Clutch Cable Killer
Join Date: Dec 2005
Location: Bald Hills, North Brisbane
Posts: 2,264
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Quote:
Funny thing is I am pretty sure they are the same company? Or Just car is owned by AAMI, something like that.
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Matthew 1997 Manual EL XR6 in Heritage Green Extractors and 2.5" exhaust- - 16" Tickford Wheels - Full EL XR bodykit - COYO73 Plates HID projectors, lowered on King SL and Koni Shocks. Daily - 2002 AUIII SR Stock as she comes. Coyote's EL XR6 ^^Click Me^^ 15.132@ 91.51 MPH Photos by Me ![]() |
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#8 | |||
Browsing here and there..
Join Date: Aug 2009
Location: Melbourne, Victoria
Posts: 2,075
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Quote:
And OP it could be worse, they could want $7,500 to cover you like a well known mob wanted from me. |
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#9 | |||
Cane Farmer
Join Date: Jun 2006
Location: Tom Price, WA
Posts: 4,056
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I think AAMI will offer cheaper insurance too if you complete their defensive driving course...
Win win really...learn some good skills and get cheaper insurance
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1994 ED XR6T - Cobalt Blue. 2009 FG XR6 - Black. Quote:
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#10 | ||
Ba xr6
Join Date: Jun 2009
Posts: 1,548
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all my mates just insure there car in there parents names (heepz cheaper) and then if you have an accident or anything you just pay the bigger access because you were driving.
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#11 | ||
FF.Com.Au Hardcore
Join Date: Aug 2010
Location: Melbourne
Posts: 1,580
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Try bendigo bank .
Full comp cost roughly just over $1000 . In my dad's name and I am listed as a driver. ($430 without me on the policy,, I know we get ripped off hardcore) |
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#12 | ||
Starter Motor
Join Date: Mar 2011
Posts: 6
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Just put it under your parents name, you only have to shell out an extra $1200 excess if your at-fault in a accident with AAMI so it still works out to be cheaper if you have less than 3 at-fault accidents in a year.
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#13 | ||
Thailand Specials
Join Date: Aug 2009
Location: Centrefold Lounge
Posts: 49,029
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Just Car quoted me $1779 a year for full comp on my TDCI LV Focus. AAMI $3500.
And its underwritten by AAMI, lol. |
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#14 | ||
Banned
Join Date: Jan 2007
Location: Mount Gambier - South Aus
Posts: 662
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Also read the fine print. Some of the cheaper insurance company's use aftermarket parts when they repair. Just cars use genuine parts.
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#15 | ||
Regular Member
Join Date: Jun 2009
Location: Clunes, Victoria
Posts: 343
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guys try YOUI, i was insured full comp as a named driver of a 99 4WD hilux (~$15,000 worth) for $600 for all of us. And they are worth about the same and are about the same risk factor as an XR6
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#16 | ||
Lucifer's Angel
Join Date: Dec 2004
Location: Sydney
Posts: 5,282
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Youi won't touch anyone under 30 in an XR6.
I tried them for my latest renewal, after the company I was with (who dealt only in young people with sporty cars) was bought out, by a company that then wiped us all off their books. They won't insure anyone under 30 now. When I bought the XR6 at 22, Just Cars wanted $4011/year to cover me. I laughed and hung up. GIO didn't want me, nor did AAMI. The company I went with then was $1200+ a year. It never really came down at all either, regardless of the fact I never had a claim, or traffic infringments. My car is now listed as part of a fleet policy, through our bus company (they are happy to cover me as a bus driver, so they don't have a problem with my car), and it's only $700/year.
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#17 | ||
Starter Motor
Join Date: Feb 2011
Posts: 18
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Just car insurance are by far the cheapest. You can get a quote on their website.
What its going to come down to is what aftermarket parts you have on it and if your a rating 1. |
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#18 | ||
I'm still alive
Join Date: Feb 2010
Location: Swan Hill, VIC
Posts: 632
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They're stooging you, so stooge them back. It's your mums car, remember?
EDIT: How can they classify the XR6's as a performance car when it has the same engine as the standard XT? As far as i know the only differences are cosmetic, and lower springs?
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2006 BF XR6 Winter White Visual -Lowered on SSSL's -5000k Headlight conversion -DJR Bobtail -Darkest legal tint -Tinted taillights Audio -Ford Premium Sound -Pioneer 1000W 12'' Sub -Pioneer Class D Digital 800W Amp Performance -Custom Cold Air Intake Build Thread http://fordforums.com.au/showthread.php?t=11344773 Last edited by BradZ; 20-03-2011 at 11:10 PM. |
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#19 | |||
FF.Com.Au Hardcore
Join Date: Aug 2010
Location: Melbourne
Posts: 1,580
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#20 | ||
Constant annoyance
Join Date: Apr 2007
Location: Japan
Posts: 567
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no one is stooging anyone, you are a higher risk to any insurer, so they will charge accordingly. Accept it and move on.
Oh and having your car insured as your parents, with your name down as only a small percentage of the use. Is fraud. And if the insurance company finds out that it is your car and only you drive it, you will find yourself without cover. Why anyone encourages it on this forum i don't know. If you cant afford the insurance on a car (which you should budget for before buying it) then you should buy something else. Especially if it's your first car, because you don't NEED a nice car to start with. Something reliable should do fine.
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GT Club - no longer for ford enthusiasts, now for fat old men who need air con and power steering for the maccas drive through. |
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#21 | ||
Browsing here and there..
Join Date: Aug 2009
Location: Melbourne, Victoria
Posts: 2,075
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Oh god...
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#22 | |||
Banned
Join Date: Jul 2007
Location: new south wales
Posts: 1,153
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Quote:
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#23 | |||
FF.Com.Au Hardcore
Join Date: Aug 2006
Location: Salamander Bay
Posts: 5,427
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insurance is exempt from age and gender discrimination laws as they use these factors to determine risk . if you have a car registered in your name but insured in your parents name they can wipe you in the event of a claim also by attempting to claim you can be blackmarked along with your parents . on all insurance applications there is a question " have you in the last 10 years had insurance refused , cancelled had special conditions imposed or had a claim refused" answer yes to this and then try to get insurance
Quote:
good luck
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[SIGPIC][/SIGPIC]
Everyone starts off with a bag full of luck and an empty bag of experience. The trick is to fill the experience bag before the luck bag is empty. "It is better to remain silent and be thought a fool than to speak out and remove all doubt." Start a new career as a bus driver Rides: FG2 XR6 stock at this stage but a very nice ride xc 4 DOOR X CHASER 5.8 UNDER RESTO Last edited by FGII-XR6; 21-03-2011 at 02:08 PM. |
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#24 | |||
GT Hardcore
Join Date: Jun 2007
Location: NSW
Posts: 889
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Quote:
![]() Now to get get back to the OP's question,I find RACQ and Budget Direct are competitive too , my 3 kids use these guys. It pays to ring around for quotes as it can vary by $2000 or more for P platers insurance.
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BF GT - 6spd ZF Auto - 292.8 rwkw 1/4 mile 13.385@ 108.32mph @ Willowbank 5/03/11. in Qualifiying STREET SERIES ROUND 7 http://www.fordforums.com.au/showthread.php?t=11295036 Cragsted Race Engines -http://cragsted.com.au/ BPR CAI , PACEMAKERS 4-1, BALLISTIC 100cell RACING CATS, CROW CAMS GTP, K LINE , XFORCE ,PSI VALVE SPRINGS, MANLEY H BEAMS, SRP PISTONS & RINGS, ACL RACE BEARINGS MELLINGS BILLET OIL PUMP, POWERBOND UNDERDRIVES, TT1-160 THERMOSTAT. |
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#25 | ||
Banned
Join Date: Jul 2007
Location: new south wales
Posts: 1,153
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Another thing you could try is an insurance broker. I used one last year for my green slip after evryone else wanted to rip me off blind even though I've never had a claim. He got me a green slip cheaper than I could find so It might be worth a go. Good luck with it all let us know how you go.
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#26 | |||
FF.Com.Au Hardcore
Join Date: Nov 2005
Location: Canberra
Posts: 1,060
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WOW, its strange the diffences, when I was 22 I got a BF XR8 insured with AAMI for $1200 with 500 dollars excess. I lived in queanbeyan where cars get stolen all the time.
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#27 | |||
Constant annoyance
Join Date: Apr 2007
Location: Japan
Posts: 567
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my earlier post was not directed at the o.p. but towards some of the bad advice being given. I too am young, and I too have had to get insurance and pay dearly for it. And cheapskates who dodge what they should rightfully pay only make it more expensive for the honest ones.
I got my insurance through shannons who were very competitive, but only because I drive a classic. They are not so good with late models - like an xr6. Quote:
![]() I'm trying to help the o.p. by letting him know when he's being given bad advice. I didn't realise I had added the moaning smiley to my post ![]()
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GT Club - no longer for ford enthusiasts, now for fat old men who need air con and power steering for the maccas drive through. |
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#28 | ||
FF.Com.Au Hardcore
Join Date: Feb 2005
Location: Sydney
Posts: 547
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One of the previous posters was correct.
If you organise your insurance via your parents, and they have no financial interest in the car, then they may not have an "insurable interest" in the loss. Accordingly, the insurer has no obligation to pay the claim. I'm just surprised that it doesnt happen more often. |
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#29 | ||
Constant annoyance
Join Date: Apr 2007
Location: Japan
Posts: 567
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and if money is really that tight, have you considered third party fire and theft only insurance? or even just third party?
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GT Club - no longer for ford enthusiasts, now for fat old men who need air con and power steering for the maccas drive through. |
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#30 | |||
FF.Com.Au Hardcore
Join Date: Aug 2010
Location: Melbourne
Posts: 1,580
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Quote:
If you bought a particular TV for $2000 and then somebody else bought it elsewhere for $1500, does that make it wrong. Should they rightfully pay the higher price? |
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