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Old 05-07-2020, 10:15 PM   #1
Bens eb falcon
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Default insurance

hi i currently have insurance with allianz agreed value for $11000 i pay $70 a month with $300 exess do you think that is a good deal or is there better out there car is a 2009 bf falcon wagon with minor mods
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Old 05-07-2020, 10:23 PM   #2
MercuryT
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Default Re: insurance

(shop around mate, you'll get a good figure as it's easy to know the market)
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Old 05-07-2020, 10:26 PM   #3
Bens eb falcon
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Default Re: insurance

yea have been but not sure what else to look for there are a lot wanted to save 50 phone calls
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Old 05-07-2020, 11:00 PM   #4
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Default Re: insurance

$300 excess on 11k with mods. Sounds ok.
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Old 06-07-2020, 09:45 PM   #5
Ben73
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Default Re: insurance

Sounds reasonable, but there's too many variations for us to judge.
Do as many online quotes as possible.


At my last renewal I saved $700 by doing online quotes with similar companies and coverage. My previous company was going to charge me $700 extra for my loyalty.
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Old 06-07-2020, 10:30 PM   #6
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Default Re: insurance

If it has mods I say ...good deal....

But depends on what you call "mods" (fluffy dice on mirror?)
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Old 07-07-2020, 09:18 AM   #7
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Default Re: insurance

FFS you dont wont to spend money on 50 phone calls to try and save hundreds on yearly insurance. Most decent ph plans have unlimited calls anyway.
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Old 07-07-2020, 10:24 AM   #8
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Default Re: insurance

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Originally Posted by Tonz View Post
FFS you dont wont to spend money on 50 phone calls to try and save hundreds on yearly insurance. Most decent ph plans have unlimited calls anyway.
I took as a reference to saving time, Tonz, more so than $$$ on the phone calls.
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Old 07-07-2020, 12:51 PM   #9
Bens eb falcon
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Default Re: insurance

it was more to do with time than cost of calls of course but i have gone through all the online qoutes very few give online qoutes with agreed value not market value mods arnt engine or suspention more lights sound and interiour
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Old 07-07-2020, 04:49 PM   #10
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Default Re: insurance

My last 3 cars have all been modded and all were completed online at agreed value.

Never spoken to anyone outside claim time.

I'm Commbank at it took 10minutes when I got the R36.

Maybe you have certain criteria that is seen as more risky etc, not sure.
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Old 07-07-2020, 05:20 PM   #11
Bens eb falcon
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Default Re: insurance

what companies have you checked then im in south aus and even raa insurance that i know does agreed value didnt offer it at all in online quote my current insurance didnt offer it online either but they contacted me oneday after i tried online and set me up i have never even had to use insurance before yet
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Old 07-07-2020, 05:44 PM   #12
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Default Re: insurance

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Originally Posted by Bens eb falcon View Post
what companies have you checked then im in south aus and even raa insurance that i know does agreed value didnt offer it at all in online quote my current insurance didnt offer it online either but they contacted me oneday after i tried online and set me up i have never even had to use insurance before yet
Well your last sentence is the problem.

Not your fault, but you basically have no rating or history.
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Old 07-07-2020, 06:08 PM   #13
Bens eb falcon
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Default Re: insurance

i have 12 years of history actually i have the best rating
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Old 07-07-2020, 06:09 PM   #14
Bens eb falcon
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Default Re: insurance

i never had to use insurance not i havent had insurance before been with a few companies over the last 12 years
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Old 07-07-2020, 06:13 PM   #15
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Default Re: insurance

You just said you've never used Insurance. I assumed you mean claim instead but you've been covered.

Mate it's too hard as we're all guessing. As I said Commbank Insure have been fine for me and so good luck.
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Old 07-07-2020, 06:25 PM   #16
Bens eb falcon
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Default Re: insurance

combank have decent cover $12500 for $900
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Old 07-07-2020, 06:31 PM   #17
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Default Re: insurance

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Originally Posted by Bens eb falcon View Post
combank have decent cover $12500 for $900
Seems reasonable but remember insurance companies use suburbs and car type differently (yet similar)

My R36 agreed at 15 and I pay a 1000 and 300 excess.

Reason I changed as I wasn't happy with AAMI. My BA Turbo went up every year even though I didn't claim - explanation was due to review on steal rates and accidents. About 400 a year (extra) from memory.

Changed companies and haven't looked back. But again, I'm sure AAMI are ok too as lots of variables.
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Old 07-07-2020, 06:33 PM   #18
Bens eb falcon
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Default Re: insurance

yea i live in the country my insurance hasnt changed just curious of better deals
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Old 19-07-2020, 08:38 AM   #19
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Default Re: insurance

A forum isn't going to provide you with the answer, as noted there are way to many variables. You need to call around.

My preference is to never go with the cheapest, you'll regret it when you claim.
I make sure I get first option at buying the wreck and that all my mod's are listed.
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