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Old 09-27-2004, 21:01   #1 (permalink)
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Damn Insurance companies

I have recently received my renewal from AAMI for my stock 98 EL XR6 - that was $774 - a drop of 15% as I turned 30 this year. I thought this was good but would look around anyway. I got some online quotes and they were around the $900 - $1000 mark - too pricey.

I then went to GIO and filled out the info online - they were to contact me to finalise the quote - which they did promptly - about 30 mins is all they took. He started telling me the excess was $450 (OK, normal so far) and then told me I'd also face a $400 high performance vehicle excess - so that's $850 excess if I claim. At this point I cut him off and he could tell I was a bit agitated when I explained that the EL XR6 isn't much more powerful than a GLi, he responded saying it's because of the different suspension. I told him you can get the same or very similar suspension as an option on a GLi (Tickford suspension). I realised it's the company's policy and he can't do anything about it and moved on. They got close, but couldn't beat AAMI's premium anyway. The extra excess cost them any chance of my business, they lost me at that point.

I'm 30 years old, rating 1 with no at fault claims in 11 years of driving. I've copped inexperienced driver excesses when I was younger and thought I was past being up for these extra excesses. It would be fair to say I've earned my status as a low risk.

If the car was a 185 kw XR8 or a newer XR6T or a high performance turbo 4, I'd think the extra excess was reasonable. An EL XR6 has fairly minor tweaks over the regular 6 - it makes it more competent, not transform it into a high performance car.
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Old 09-27-2004, 21:17   #2 (permalink)
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Re: Damn Insurance companies

that, my friend, sucks, i dont think theres any way around it tho, damn them, hmm oh well, continue squeezing the money insurance mobs :(
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Old 09-27-2004, 21:21   #3 (permalink)
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Re: Damn Insurance companies

Give Suncorp Insurance also a try,i found them to be the best ones by far.
Cheers John
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Old 09-27-2004, 22:28   #4 (permalink)
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Re: Damn Insurance companies

In my experience GIO are only interested in insuring absoutely stock family hacks. Any mods at all and they get narky.
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Old 09-27-2004, 23:10   #5 (permalink)
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Re: Damn Insurance companies

check out RACV they have been very reasonable for my xr6
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Old 09-27-2004, 23:18   #6 (permalink)
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Re: Damn Insurance companies

I too have found RACV to be pretty good up till this time, but I bet they too will change, it's becoming harder and harder to find good/cheap insurance.
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Old 09-28-2004, 01:57   #7 (permalink)
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Re: Damn Insurance companies

GIO- $76000 FPV GT (agreed value), 31yo driver, rateing 1, $450 excess, full comp insurance = $980 (after market Brembo brakes and 19" mags)
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Old 09-28-2004, 03:21   #8 (permalink)
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Re: Damn Insurance companies

STOCK TX5 NON TURBO 1990 model

18 y/o rating 6

$2500
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Old 09-28-2004, 03:38   #9 (permalink)
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Re: Damn Insurance companies

AAMI has always been the best for insurance, for me.
AU 111, Fairmont V8 $576. $35K agreed value. $250 excess.60%ncb
Then I am an old fart over 50!!!
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Old 09-28-2004, 04:10   #10 (permalink)
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Re: Damn Insurance companies

It's all because its an XR, what a load of bullshit hey. You'll have to pay the performace extra bullshit on a 164kw(i think) EL XR6 but not on a BA XT. The XT mightn't have the suspension, ride height, etc, but which will go harder?(stock) I dunno, insurance companies, u hate them, but you need them.
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