under 25s with worked cars, insurance??

ON_DUBS · 27-02-2006, 11:51 PM

ive got the modding bug now and i want some more power out of the 4.0

however i dont reckon my current insurance is going to allow it...

who is under 25 with a worked engine? who you insured with?

Hunter · 27-02-2006, 11:53 PM

Good luck getting it for a reasonable yearly premium that doesn't equate to more than half the value of your car mate...

If I weren't under 25 I'd be driving a bloody v8 or something by now. But noooooooooo.

Fcking insurance.

stiddy · 28-02-2006, 12:16 AM

Just Cars are good, unlimited mods, but you pay for it, IE $2200 a year..

or if you stay n/a dont tell them, usually they dont get too fussy over an exhaust..

XR8GRL · 28-02-2006, 12:22 AM

I own a modded XR8 ute and am with Vigil, pay around a grand for full comp.
I can't remember if I was 24 or 25 when I joined with them though.

BlueKoop · 28-02-2006, 12:39 AM

My coupe only costs me 380 a year fully covered through shannons value $15000. and im restricted to 180km a week... which is fine with me.

**Polyal** · 28-02-2006, 12:50 AM

screw just cars...

Im close to getting a eb xr8 with a few mods....shannons was waaaay better than anyone else...but I have not claimed since ive been driving..

xurbanx · 28-02-2006, 01:56 AM

Friend's paying roughly about 2grand with Just Cars on a Mitsubishi FTO with the bodykit, exhaust done up. His changing onto AAMI later on.

carazy · 28-02-2006, 02:13 AM

Your in adelaide mate so you should be fine.
Back when I was 22 I called just cars and they were ok with a turbocharged EB falcon for around $1200 a year.
Just call around. I personally found SGIC were very friendly and cheap with regards to mods as well ($700 per year)
Most of the cost depends on your area. Eastern state boys tend to pay way more then us it seems.

This probably has something to do with the fact that 99% of them are moron drivers that tailgate then overtake on blind corners when your doing the speed limit (yes I recently went on a trip to vic.. yes I was shocked at the consistant stupidity of the drivers over there.. I know SA drivers are pricks that don't let you in and tend to hang in the right lane but never in all my driving did I view as much stupidity as my 2 weeks driving along the vic coastline. The only reprieve was when a NSW driver would come along. At least they don't seem as intent on killing themselves)

XR Martin · 28-02-2006, 02:52 AM

Ive been insured with Shannons since I was 21. (3 years)

28-02-2006, 06:09 AM

The bloke I talked to at Shannons must have been a first day'er, because he said they do not insure under 25's, I can see now he was pulling my leg, time to give em a ring...

Hunter · 28-02-2006, 08:08 AM

How in the hell you guys get good insurance premiums I dunno...

RACQ charges me $1100 per year for a stocko EL!!

Lukeyson · 28-02-2006, 08:11 AM

Quote:

Originally Posted by Hunter

RACQ charges me $1100 per year for a stocko EL!!

Holy crap, i only get hit $900 each for my AUII XR8's with them, i am 24 and my wife is 22.

ON_DUBS · 28-02-2006, 09:00 AM

shannons? their website says they dont insure under 25's

agony · 28-02-2006, 09:09 AM

Quote:

Originally Posted by Hunter

How in the hell you guys get good insurance premiums I dunno...

RACQ charges me $1100 per year for a stocko EL!!

mate you getting ripped big time, time you did some shopping around!

vegabass · 28-02-2006, 09:23 AM

I am insured with RACQ I have a EL XR6 im 21 and have after maket body kit, extractors, exhaust, stereo wheels all comp insured agreed $16000 value and i pay just under $1000 i have been with them for 12 months now.
I will add *quietly that my licence had been suspended for speeding but no other pervious claims

if i crash it im up for $2500 from all the tack on charges like high performance and age and so forth.

When i was looking for insurance the cheapest quote for a standard XR was $2500 - $3000 or they said no because of my age.

TheSneakiness · 28-02-2006, 10:56 AM

Me, I have a worked engine.

I'm with RACQ, 21, rating 2, with mods listed in my sig...

$60 PBTM. $720 a year with Hire Car option and rating 1 for life (when I get it)

XR Martin · 28-02-2006, 11:36 AM

Yeah you ring Shannons and the person on the phone will tell you they dont insure under 25s, go into their shopfront and they are more flexible.

4.9 EF Futura · 28-02-2006, 11:42 AM

3rd party property and dont crash the thing...

FRDXR6 · 28-02-2006, 11:54 AM

Quote:

Originally Posted by vegabass

I am insured with RACQ I have a EL XR6 im 21 and have after maket body kit, extractors, exhaust, stereo wheels all comp insured agreed $16000 value and i pay just under $1000 i have been with them for 12 months now.
I will add *quietly that my licence had been suspended for speeding but no other pervious claims

if i crash it im up for $2500 from all the tack on charges like high performance and age and so forth.

When i was looking for insurance the cheapest quote for a standard XR was $2500 - $3000 or they said no because of my age.

Im with the Vic equivalant of your insurance company (RACV) and when i made a claim it was delayed for 2 days until they obtained my driving history from Vicroads, so if you were to make a claim theres a very good chance it could be voided for not telling them about your speeding/licence suspension.

**Polyal** · 28-02-2006, 12:48 PM

yeah 3rd party is another option, but obviousky there is a risk...right now I am 3rd party as the car isn't worth paying full comp...$23 per month...lol

Hunter · 28-02-2006, 07:04 PM

Quote:

Originally Posted by agony

mate you getting ripped big time, time you did some shopping around!

I'm not sure if I am. Due to my job, I know a few things about the insurance industry and let's just say the NRMA would be my very *last* choice of motor vehicle insurer. They are extremely disorganised and their entire conduct stinks. If anyone has NRMA insurance, be careful and don't crash

.

A lot of places wouldn't even insure me because I was under 25 and driving a 'powerful' vehicle :rolleyes:

Not only am I paying $1100 a year premiums but my excess is also bloody $950! Mind you I was on my P's when I first started the contract so maybe I should call them now that I am on my opens and see if that changes anything.

Yaw · 28-02-2006, 09:58 PM

Quote:

Originally Posted by xurbanx

Friend's paying roughly about 2grand with Just Cars on a Mitsubishi FTO with the bodykit, exhaust done up. His changing onto AAMI later on.

Don't see how, AAMI will not touch imports

BlueKoop · 28-02-2006, 10:16 PM

Quote:

Originally Posted by XR6 Martin

Yeah you ring Shannons and the person on the phone will tell you they dont insure under 25s, go into their shopfront and they are more flexible.

Spot on Martin. . . .

1TUFFUTE · 28-02-2006, 10:29 PM

im with Just cars an i pay 950 full comp and unlimited legal mods,and shannons gave me a quote for 1100 on the phne so thats why im with JC.
I must have got lucky cus i was 23 when i started the coverage with them an i had lost my liscense once allready. Cant wait till im 25..$$$$

T_Terror · 28-02-2006, 10:51 PM

3 vehicles, $1700 each...

21 years old

mcflux · 28-02-2006, 10:55 PM

Just over $200/year 3rd party fire & theft for a V8 with minor mods

RACV.

Helps living in the sticks :voldar02:

AnthonyQLD · 28-02-2006, 11:57 PM

Quote:

Originally Posted by hambo_12

The bloke I talked to at Shannons must have been a first day'er, because he said they do not insure under 25's, I can see now he was pulling my leg, time to give em a ring...

Thats what I thought

donno · 01-03-2006, 04:53 PM

I'm with just cars. $380 for 3rd party, fire, theft, and 5g uninsured motorist extension, but $750 excess. 20yo on opens, never lost a point, or put a scratch on a car whilst driving, except when I got rammed when stationairy by a stolen jeep. Started off on 530 odd two years ago, but went down majorly last renewel (must have gone down a rating or 3).

jason_85 · 07-10-2006, 07:26 PM

i am 21 and pay $530 a year fully comp with rating one protection on my el fairmont

MRJUCY · 07-10-2006, 08:26 PM

Quote:

Originally Posted by XR8GRL

I own a modded XR8 ute and am with Vigil, pay around a grand for full comp.
I can't remember if I was 24 or 25 when I joined with them though.

I found Vigil were happy to take my money when I was under 25 when it was their turn to hand some money over I found them far less obliging.