Exy Insurance Cost Comparison https://baustralianxtrail.runboard.com/t124420 Runboard| Exy Insurance Cost Comparison en-us Fri, 29 Mar 2024 06:17:52 +0000 Fri, 29 Mar 2024 06:17:52 +0000 https://www.runboard.com/ rssfeeds_managingeditor@runboard.com (Runboard.com RSS feeds managing editor) rssfeeds_webmaster@runboard.com (Runboard.com RSS feeds webmaster) akBBS 60 Re:https://baustralianxtrail.runboard.com/p2064624,from=rss#post2064624https://baustralianxtrail.runboard.com/p2064624,from=rss#post2064624Dogtrail that cover is $200 less than mine for a 2011/2012 model i checked mine and it was $632 with full no claim bonus etc i will definately be checking to get that price next time maybe its cheaper in QLD than NSW even though my quote was for country area no high risk imagine if you lived in a risk postcode mine would have been right up there. Ok i phoned APIA and the quote came out nearly exactly the same as what i paid with NRMA but NRMA was better as it was with glass cover .The operator said as i thought that its cheaper in Qld to insure your car.Interesting thing was i got a quote for another car thats due soon last year i paid $432 APIA wants $600 i wont be gong near them. Insurances are all over the place as seen tonight on current affairs reportnondisclosed_email@example.com (brockyboy05)Thu, 19 Jul 2012 20:30:54 +0000 Re: Re:https://baustralianxtrail.runboard.com/p2064583,from=rss#post2064583https://baustralianxtrail.runboard.com/p2064583,from=rss#post2064583quote:cooch t31 wrote: Honestly though, if after 6 or 7 years with the same car and you write it off, would you really want another car like it. I would probably want to change for something different. It depends on the car Tony. However am not sure how the insurance company would manage model changes with such a policy, as some models could no longer exist in that time period, so are they going to replace the old/damaged model with a brand new car from the upgraded model range? It just doesn't make sense at all. nondisclosed_email@example.com (jalalski)Thu, 19 Jul 2012 07:20:13 +0000 Re:https://baustralianxtrail.runboard.com/p2064580,from=rss#post2064580https://baustralianxtrail.runboard.com/p2064580,from=rss#post2064580Most insurance company have a new for old policy if the car is badly damaged or written off in the first 2 years. Honestly though, if after 6 or 7 years with the same car and you write it off, would you really want another car like it. I would probably want to change for something different.nondisclosed_email@example.com (cooch t31)Thu, 19 Jul 2012 06:11:20 +0000 Re: Exy Insurance Cost Comparisonhttps://baustralianxtrail.runboard.com/p2064575,from=rss#post2064575https://baustralianxtrail.runboard.com/p2064575,from=rss#post2064575Odd that you are quoted so much. I have not held insurance for 35 years but was immediately given a full no- claim bonus when I walked in. (Well, I certainly had not made any claims, so I suppose that was fair enough). i paid $472 for Comprehensive MV insurance including windscreen with RACQ full replacement new for old in March 2012 for the Feb 2012 Registered 4wd ST CVT after they price matched to APIA . APIA apparently seemed to default to using AAMI as the underwriter (all under the Suncorp umbrella) without disclosing that information to me, and I'd read enough about AAMI on WP to put that firm on the 'not preferred ' list. Glasses replacement valuation was over $40k for that new model with those options/accessories. It seems Insurance Companies prefer Glass valuations over Redbook. My purchase price was substantially less than that with all the discounts, but that was what they expected to pay for the replacement under that policy, so whatever the price variation, new for old replacement is covered for the first 2 years with RACQ for the $472. Naturally I had to pay to become an RACQ member to get that cover, but that membership in itself was another bonus with hire car, transport and accommodation paid for if needed as well as a stack of other bonuses .nondisclosed_email@example.com (DogTrail)Wed, 18 Jul 2012 23:25:34 +0000 Re: Exy Insurance Cost Comparisonhttps://baustralianxtrail.runboard.com/p2064571,from=rss#post2064571https://baustralianxtrail.runboard.com/p2064571,from=rss#post2064571Wow NRMA charged $700 for $30,000 5months ago GIO Platinum quote today $740 they said even if our car was 15 years old and was written off and had say 250,000kms on it we would still get a new car ? But I reckon there is some clause in the background lurking and i dont trust what they are saying.nondisclosed_email@example.com (brockyboy05)Wed, 18 Jul 2012 22:14:41 +0000 Re:https://baustralianxtrail.runboard.com/p2064561,from=rss#post2064561https://baustralianxtrail.runboard.com/p2064561,from=rss#post2064561That would be right.nondisclosed_email@example.com (jalalski)Wed, 18 Jul 2012 19:44:14 +0000 Re:https://baustralianxtrail.runboard.com/p2064556,from=rss#post2064556https://baustralianxtrail.runboard.com/p2064556,from=rss#post2064556I got a quote with that policy and it was nearly $400 more than with my current insurer.nondisclosed_email@example.com (cooch t31)Wed, 18 Jul 2012 16:37:14 +0000 Re:https://baustralianxtrail.runboard.com/p2064546,from=rss#post2064546https://baustralianxtrail.runboard.com/p2064546,from=rss#post2064546Am sure there is a catch in the fine print somewhere, as I can't see them replacing a 5 year old car with a brand new one without covering themselves somehow.nondisclosed_email@example.com (jalalski)Wed, 18 Jul 2012 14:17:01 +0000 Re:https://baustralianxtrail.runboard.com/p2064540,from=rss#post2064540https://baustralianxtrail.runboard.com/p2064540,from=rss#post2064540Just out of interest i phoned GIO in regards to their new Platinum Policy. a new vehicle replacement if your car is written off for lifetime of the vehicle. The quote was not much more for what i paid 5 months ago and she said that there was no cutoff in years to how long you owned the vehicle to get the replacement car.Sounds to good to be true and im sure there is devil in the detail.But hopefully this will come out in the near future before i get my next quote. nondisclosed_email@example.com (brockyboy05)Wed, 18 Jul 2012 11:27:25 +0000 Re: Re:https://baustralianxtrail.runboard.com/p2063746,from=rss#post2063746https://baustralianxtrail.runboard.com/p2063746,from=rss#post2063746quote:Righteousself wrote: Insured our new xtrail with RACQ, $519 which included car hire and zero excess on glass claims. WOW!....My Exy is valued at $17900 and the cheapest I can find is the $947 (NSW) - Windscreen, Hire car etc are all extras. Seems a lot of Insurance companies are now dropping the 1 windscreen a year as default now. They claim it reduces the premiums, but in reality the premiums still go up and the inclusions are slowly erroded.nondisclosed_email@example.com (Munners96)Tue, 26 Jun 2012 08:43:10 +0000 Re:https://baustralianxtrail.runboard.com/p2063406,from=rss#post2063406https://baustralianxtrail.runboard.com/p2063406,from=rss#post2063406I insured my exy new with Shannons last year when I bought it and even doing an online quote for it with Shannons returned a much cheaper result than any other insurance (including NRMA). That online quote was reduced even further when I called them and told them I have sold my T30 and now have the T31 in addition to the Mercedes that is also insured with them. Their agreed value is much higher than any other insurance as well. P.S. I had all my insurance policies with NRMA before but they just became too greedy and the way the value of the car dropped also drove me away from them.nondisclosed_email@example.com (jalalski)Sat, 16 Jun 2012 11:55:37 +0000 Re:https://baustralianxtrail.runboard.com/p2063405,from=rss#post2063405https://baustralianxtrail.runboard.com/p2063405,from=rss#post2063405sorry i didnt mean it like that, my point was more that i could insure the xtrail with shannons as a daily driver as well as anything else i had because of the other cars i own. i get a multi policy discount because i have 5 policies with them which is where my savings come into itnondisclosed_email@example.com (trikee)Sat, 16 Jun 2012 11:40:28 +0000 Re: Exy Insurance Cost Comparisonhttps://baustralianxtrail.runboard.com/p2063396,from=rss#post2063396https://baustralianxtrail.runboard.com/p2063396,from=rss#post2063396All this depends on how much you are insuring your car for when i purchased new Shannons couldn't even come close and NRMA was by far the cheapest.Other factors also come into play ,age,how long you have had your license,previous claims,bonuses the list goes on so two identical vehicles wont get the same premiumnondisclosed_email@example.com (brockyboy05)Fri, 15 Jun 2012 20:37:07 +0000 Re: Re:https://baustralianxtrail.runboard.com/p2063391,from=rss#post2063391https://baustralianxtrail.runboard.com/p2063391,from=rss#post2063391quote:jalalski wrote: I think that's correct and maybe they agreed to insure the exy becasue I already have the Merc insured with them as a "classic" car. 100% correct. i have 2 other highly modified cars with shannons and a daily driver for myself as well as the xtrail for the wife as a daily drive too. still cheaper than anyone elsenondisclosed_email@example.com (trikee)Fri, 15 Jun 2012 16:03:42 +0000 Re: Exy Insurance Cost Comparisonhttps://baustralianxtrail.runboard.com/p2063297,from=rss#post2063297https://baustralianxtrail.runboard.com/p2063297,from=rss#post2063297Their first price was nearly $800, I bargained hard nondisclosed_email@example.com (Righteousself)Mon, 11 Jun 2012 20:21:29 +0000 Re:https://baustralianxtrail.runboard.com/p2063296,from=rss#post2063296https://baustralianxtrail.runboard.com/p2063296,from=rss#post2063296That's a low premium, I've been thinking of changing to RACQ from NRMA. I paid about the same for my 2005 exy.nondisclosed_email@example.com (trailx)Mon, 11 Jun 2012 19:36:50 +0000 Re:https://baustralianxtrail.runboard.com/p2063294,from=rss#post2063294https://baustralianxtrail.runboard.com/p2063294,from=rss#post2063294Insured our new xtrail with RACQ, $519 which included car hire and zero excess on glass claims.nondisclosed_email@example.com (Righteousself)Mon, 11 Jun 2012 18:56:53 +0000 Re:https://baustralianxtrail.runboard.com/p2063285,from=rss#post2063285https://baustralianxtrail.runboard.com/p2063285,from=rss#post2063285I think that's correct and maybe they agreed to insure the exy becasue I already have the Merc insured with them as a "classic" car.nondisclosed_email@example.com (jalalski)Mon, 11 Jun 2012 13:43:48 +0000 Re: Exy Insurance Cost Comparisonhttps://baustralianxtrail.runboard.com/p2063284,from=rss#post2063284https://baustralianxtrail.runboard.com/p2063284,from=rss#post2063284I thought Shannons would only insure normal vehicles if you had a Classic or collector style of vehicle insured with them they must have changed .Ive been with them for many years with a collectors veh and have my town car with them and my bike but not the exy they were alot dearer than NRMA even with multi policy discount.nondisclosed_email@example.com (brockyboy05)Mon, 11 Jun 2012 13:29:08 +0000 Re:https://baustralianxtrail.runboard.com/p2062495,from=rss#post2062495https://baustralianxtrail.runboard.com/p2062495,from=rss#post2062495I didn't have this condition on the exy, it is only applicable to my Merc as I have insured it as a recreational vehicle which is not being driven regularly.nondisclosed_email@example.com (jalalski)Tue, 22 May 2012 11:54:36 +0000 Re: Exy Insurance Cost Comparisonhttps://baustralianxtrail.runboard.com/p2062494,from=rss#post2062494https://baustralianxtrail.runboard.com/p2062494,from=rss#post2062494I have my bike with Shannons. They're great. I think though one condition is that you don't use the vehicle to commute (which my missus has since started doing at her new job (last 4mths)nondisclosed_email@example.com (Munners96)Tue, 22 May 2012 11:40:37 +0000 Re:https://baustralianxtrail.runboard.com/p2062492,from=rss#post2062492https://baustralianxtrail.runboard.com/p2062492,from=rss#post2062492I received my insurance renewal from Shannons last week and they are still cheaper than all of the other insurance companies in my case. They did drop the value of the exy from $48,000 to $40K, but when I called them up and complained about the drop in agreed value being too large, then jacked it up to $43,000 which I am happy with. The excess remained the same $550 for me and max no claim bonus. I have decided to stay with them this year.nondisclosed_email@example.com (jalalski)Tue, 22 May 2012 11:09:27 +0000 Re:https://baustralianxtrail.runboard.com/p2062491,from=rss#post2062491https://baustralianxtrail.runboard.com/p2062491,from=rss#post2062491My Comprehensive insurance has gone up by over 8% this year. Value of car has dropped by $1500. Basic Excess is up by $150 ($800) Max No claim, No infringements. Drivers over 37yo. $947. EDIT An to top it off...apparently the new premium INCLUDES an additional 5% discount this year.....so without that the premiums would have risen about 13%. What The! nondisclosed_email@example.com (Munners96)Tue, 22 May 2012 11:01:45 +0000 Re:https://baustralianxtrail.runboard.com/p2056861,from=rss#post2056861https://baustralianxtrail.runboard.com/p2056861,from=rss#post2056861We are with RACQ, have full comp which comes with hire car and 1 windshield replacement p/12 months and has an agreed value. We paid $441 for the year. We are rated A drivers and also got a discount because we already had full roadside assistance with them and another insurance policy. It was quoted at more however they will price match (or try) and we told them of a quote from "Bingle" insurance (the cheapest we could find) and the $441 is the offer they came back with. Bingle was cheaper but not by much and we preferred to stay with RACQ to make things easier etc.nondisclosed_email@example.com (Ishywishy)Wed, 05 Oct 2011 02:06:17 +0000 Re:https://baustralianxtrail.runboard.com/p2056449,from=rss#post2056449https://baustralianxtrail.runboard.com/p2056449,from=rss#post2056449Hi,      Just did a qoute with RACQ to see what my insurance is going to cost and it works out at $47.50 per month that's with hire car and excess free windscreen. Agreed value etc. Standard was only $40.50 per month which is only about $4 dearer than what I am currently paying for a 2002 ford fairmont. Cheersnondisclosed_email@example.com (Ozzymac)Sat, 17 Sep 2011 15:10:45 +0000 Re:https://baustralianxtrail.runboard.com/p2053189,from=rss#post2053189https://baustralianxtrail.runboard.com/p2053189,from=rss#post2053189mine is about $48 a month with shannons. we have my xr8, my xr6 , my datsun and our home policy with them as well so that counts. x-trail is insured for agreed value, our choice of repairer regardless, and we have unlimited use of it.nondisclosed_email@example.com (trikee)Wed, 01 Jun 2011 17:28:50 +0000 Re: Vehicle insurance premiumhttps://baustralianxtrail.runboard.com/p2053177,from=rss#post2053177https://baustralianxtrail.runboard.com/p2053177,from=rss#post2053177I recently paid AAMI $568.00 excess $350.00 windscreen excess Nil Agreed value $20,100.00 (Manual Aug 2005 Ti L, New price $41,000.00 - lots of genuine accessories) Rating 2 (50% NCB ) as I had just had a claim, my fault minor accident. I will move to Rating 1 (60% NCB) next renewal. No finance company involved Vehicle private use nondisclosed_email@example.com (Tasgandy)Wed, 01 Jun 2011 11:44:38 +0000 Re: Exy Insurance Cost Comparisonhttps://baustralianxtrail.runboard.com/p2053134,from=rss#post2053134https://baustralianxtrail.runboard.com/p2053134,from=rss#post2053134Paid car insurance with NRMA earlier this month with "agreed value" $17,550 (including luggage pod) - $655.62. That includes windscreen insurance. nondisclosed_email@example.com (trailx)Tue, 31 May 2011 12:00:58 +0000 Re:https://baustralianxtrail.runboard.com/p2053128,from=rss#post2053128https://baustralianxtrail.runboard.com/p2053128,from=rss#post2053128Shop around Dave, the insurance premium will never go down Other insurance companies may value your car higher and offer a cheaper premium but to compare apples for apples you must look at the inclusions and exclusions of each policy.nondisclosed_email@example.com (jalalski)Tue, 31 May 2011 06:03:04 +0000 Re:https://baustralianxtrail.runboard.com/p2053127,from=rss#post2053127https://baustralianxtrail.runboard.com/p2053127,from=rss#post2053127Sorry Jalal, I did a search for Insurance and ended up in that other thread .... I realised it had to be related to depreciation, but my premium hasn't depreciated by @ 7% ... Would it be fair to expect the cost of the policy to go down by more than the 40 cents that it did. What do you guys do in this situation, increase your premium to keep up the amount of agreed cover that you want or is that out of the question from the Insurers point of view?nondisclosed_email@example.com (omdafyd)Mon, 30 May 2011 23:44:26 +0000