My car is uninsurable.....

efgiar · 02-11-2006, 05:45 PM

well i got a quote on insurance today... and apparently its not insurable because ef ghias didnt come out factory with a manual, therefor its not on thier system and cant be insured... this was done thru commonwealth bank havnt tried any other insurance companies but surely you would think they would be able to insure it with a manual!

EFFalcon · 02-11-2006, 05:46 PM

if they don't insure modified cars then i doubt it.

needfordspeed · 02-11-2006, 05:53 PM

Insure it as a auto, but a manual conversion as a mod, would that work? Can't see why it wouldn't. Try another company.

**Polyal** · 02-11-2006, 05:54 PM

Commonwealth does insurance? Remember these people know nothing about cars, if its not on their system then thats final.

Go with RACV or someone normal.

dansedgli · 02-11-2006, 05:55 PM

That is gayer than that gay thread about the gay guy with his straight mates and gay cars who thought he was the only gay on AFF.

**Professor Farnsworth** · 02-11-2006, 06:00 PM

racv AMAZINGLY are quite good mate - try them out - they insured me when NO-ONE else would.

**Polyal** · 02-11-2006, 06:03 PM

Quote:

Originally Posted by fantz

racv AMAZINGLY are quite good mate - try them out - they insured me when NO-ONE else would.

Ive also found RACV to be the cheapest, although my car is pretty much stock at the moment.

A little OT: but do you have to tell them about cams? Logic would say yes, but unless they open it how will they know?

**Sorted** · 02-11-2006, 06:05 PM

You are going to a BANK for Insurance on a car lol

Where would you get a loan from? An Insurance company?

My point is Banks just do insurance to earn extra cash, they nothing about the cars other than whats written in a book or a computer file.

4.9 EF Futura · 02-11-2006, 06:07 PM

Quote:

Originally Posted by dansedgli

That is gayer than that gay thread about the gay guy with his straight mates and gay cars who thought he was the only gay on AFF.

Wow, that's pretty gay.

Comminsure... um, not exactly the most sophisticated motor vehicle insurer in town.

I would wager that they simply looked for the manual variant of your car on Redbook... didnt see it... and werent interested.

**Professor Farnsworth** · 02-11-2006, 06:08 PM

Quote:

Originally Posted by Polyal

Ive also found RACV to be the cheapest, although my car is pretty much stock at the moment.

A little OT: but do you have to tell them about cams? Logic would say yes, but unless they open it how will they know?

legally yes, many people don't i'm sure.

4.9 EF Futura · 02-11-2006, 06:11 PM

Quote:

Originally Posted by DRHEMI

You are going to a BANK for Insurance on a car lol

Where would you get a loan from? An Insurance company?

My point is Banks just do insurance to earn extra cash, they nothing about the cars other than whats written in a book or a computer file.

Actually CommInsure is an independent insurance company, authorised to conduct business under the Insurance Act, which means they are just as 'real' an insurer as members of the IAG group etc. It's just owned by the Commonwealth Bank group.

No insurer knows much about cars, some just have more granular databases.

Aaron_EF8 · 02-11-2006, 06:25 PM

Quote:

My point is Banks just do insurance to earn extra cash, they nothing about the cars other than whats written in a book or a computer file.

This is a bad thing because? Shannons/Just Car etc don't sell insurance because they love cars, believe it or not, they also want to make money....

niko · 02-11-2006, 06:29 PM

i rang AAMI and they said it was fine, they put it down as auto, as there wasn't the option, BUT, i rang up after i told the lady twice the 1st time, and it was fixed 3rd time around

FRDMSL · 02-11-2006, 06:36 PM

i went with Just Cars and had no problems at all, just put it down as gearbox conversion in modifications.

BoZZa17 · 02-11-2006, 07:06 PM

i was same as phantomXE
just cars and said i did manual conversion

MADED-6 · 02-11-2006, 07:09 PM

just cars said that to me then just put it down as a mod and im all good so yeah. and there prices are pretty good epecially for moded cars.
cheers josh.

El_Poochino · 02-11-2006, 07:11 PM

I'd go with RACV, they undercut the compitition by $1000. But that was a stock car.

kyro_02 · 02-11-2006, 07:13 PM

give me $80 a week and i'll insure your car!

mark_TD · 02-11-2006, 08:38 PM

Just Car is the best for modified cars Josh. But like everyone is saying tell them that it is auto not manual. Less mods you tell them the cheaper it is too buddy

eav8 · 02-11-2006, 09:42 PM

I haven't tried yet but I think mine would be a tad difficult (expensive) to insure lol.

**Professor Farnsworth** · 02-11-2006, 09:44 PM

Quote:

Originally Posted by eav8

I haven't tried yet but I think mine would be a tad difficult (expensive) to insure lol.

so you're gunna drive it with no insurance ?

dansince86 · 02-11-2006, 09:48 PM

hey, personally i feel racv are crap, they want $750 for 3rd party fire and theft on my car (read sig). i called aami, i'm insured with them for my wheels, stereo and lowering for about $500. Prior to going with aami i checked out just car insurance, i made every mod possible through their web site and i the price was $560. As long as it legal to drive its legal to insure with them. the reason i didnt choose them is because u have to pay up front, where as i pay monthly with aami. best of luck

Cheers Dan

**Professor Farnsworth** · 02-11-2006, 09:52 PM

Quote:

Originally Posted by dansince86

hey, personally i feel racv are crap, they want $750 for 3rd party fire and theft on my car (read sig). i called aami, i'm insured with them for my wheels, stereo and lowering for about $500. Prior to going with aami i checked out just car insurance, i made every mod possible through their web site and i the price was $560. As long as it legal to drive its legal to insure with them. the reason i didnt choose them is because u have to pay up front, where as i pay monthly with aami. best of luck

Cheers Dan

aami rejected my car, it had cat back, wheels & stereo.

Aaron_EF8 · 02-11-2006, 09:57 PM

If you ever have to try to get your car fixed after a crash through AAMI, you'll know why AAMI are best avoided. Most panel shops won't quote for AAMI work these days, as they make the repairers use 2nd hand or aftermarket parts, and take ages to pay up.

eav8 · 02-11-2006, 09:59 PM

I have ctp and nothing else. I live in country. I do all my own repairs. I don't drive like an idiot and I have not had insurance other than ctp since 1990. No accidents in all that time......oh crap I'd better get insurance now as I've just jinxed myself.
hmm

CaRtZ · 02-11-2006, 10:23 PM

RACV quoted me 1500 with wheels, lowered and AAMI quoted me 1400 wheels, lowered, stereo. so high coz im 17...

sphell · 02-11-2006, 10:25 PM

Comminsure is Commincrap. They just contract out thru Alliance or something, I forget who exactly.

I got a quote while I was waiting for some statement printouts just for giggles, anyway it took ages and was like double the price of AAMI....what a waste of 15 minutes of my life.

Laminge · 02-11-2006, 10:26 PM

Few threads amuse me, this is one of them!

dac260 · 02-11-2006, 11:17 PM

josh will they cover the bonnet buldge?

DEVL-XR · 03-11-2006, 02:29 AM

Quote:

Originally Posted by eav8

I have ctp and nothing else. I live in country. I do all my own repairs. I don't drive like an idiot and I have not had insurance other than ctp since 1990. No accidents in all that time......oh crap I'd better get insurance now as I've just jinxed myself.
hmm

thats pretty foolish really, i'd be p i s s e d off if someone crashed into me and they had no insurance. they'd be paying for the repairs thats for sure. by the way accidents are always caused by stupid driving, theres other factors like fatigue etc.

anyway im with QBE through austbrokers. im paying $670 for full comp. and it goes down to $590 by when i turn 21. my exhaust cat back it covered but i havent told them about the rear springs, im not really sure if im meant to have them or not, i dont think i am. oh well hopefully if something happened they wont notice! its not like it makes the car that much lower and its still got standard shocks.
i went to aami first and the first question they asked is if it was an xr6, which it is so they pretty much hung up on me! not littery of course! other insurance places like justcar quoted $1900 for my car with exhaust and the excess was also $1900! i cant really afford that kind of price!!