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Old 09-24-2001, 04:40   #1 (permalink)
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Ford Insure

With the impending exhaust job on the XR6, I rang my insurer (Swann) to check if they'd cover the modification. Unlike some, they said they wouldn't modify their policy to cover anything like that, so I was advised to shop around for another insurer. Makes sense, as Swann policies often get sold with new/near new cars from dealers, like mine.

So I did the phone quote merry-go-round.

Shannons computer spat out over 3 grand, but with being in the Tickford club etc, the figured was lowered to $1885. However, I could only get insurance if I installed a Brant immobiliser (www.brant.com.au). Just Car insurance wanted $2132, and naturally provided mods are legal they didn't mind. Torque Underwritings wanted $2900, and other I was recommended to (including some by other insurers) wouldn't touch the car, including Unique Car Insuracen who said no purely because they car might be driven into Sydney!

I did try Ford Insure, though I wasn't sure they'd go with the modification. But they did, and the premium was a mere $1400 for an AGREED value of $38000. I'm currently paying $1500 for market value. Naturally, mods like a supercharger will mean hunting elsewhere later, but it seem Ford Insure will cop other reaonsable mods, provided of course they know about them including lowering no more than an inch below standard.

For guys like minge, Pete, Blown AU, these guys aren't much good, but if your Ford is stock, or not majorly modified, give them a go - the premium might surprise you. I couldn't get cheaper quotes from NRMA, or other insurers when the car was bog stock with a market value policy!
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Old 09-24-2001, 15:15   #2 (permalink)
 
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Are dealers offering Ford insure as an insurance alternative for new car buyers or are you left to find out for yourself.

I ask because I haven't seen any advertising at dealers down my way!
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Old 09-24-2001, 15:40   #3 (permalink)
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eek

I'm fairly sure I read somewhere that Ford Insure is in fact NRMA. Anyhow, that's good news at getting reasonably priced insurance on your beast, here's hoping you never need it.:eek:
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Old 09-24-2001, 17:54   #4 (permalink)
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No, not NRMA. Ford Insure are underwritten by SGIO.
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Old 09-24-2001, 19:17   #5 (permalink)
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Seems like the choice of a Dealer offering is upto the Dealer.

My local Dealer - City Ford are switched on for this and knew all about it - or you can call 1800112260.

Beats my why a Dealer wouldn't offer it.
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Old 09-24-2001, 19:21   #6 (permalink)
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Re: Ford Insure

Quote:
Originally posted by Venom S
Shannons computer spat out over 3 grand, but with being in the Tickford club etc, the figured was lowered to $1885. However, I could only get insurance if I installed a Brant immobiliser (www.brant.com.au). Just Car insurance wanted $2132, and naturally provided mods are legal they didn't mind. Torque Underwritings wanted $2900, and other I was recommended to (including some by other insurers) wouldn't touch the car, including Unique Car Insuracen who said no purely because they car might be driven into Sydney!

I did try Ford Insure, though I wasn't sure they'd go with the modification. But they did, and the premium was a mere $1400 for an AGREED value of $38000. I'm currently paying $1500 for market value. Naturally, mods like a supercharger will mean hunting elsewhere later, but it seem Ford Insure will cop other reaonsable mods, provided of course they know about them including lowering no more than an inch below standard.
Jeeezus, those insurance premiums are staggering!! I pay $390 for my EF XR6, just got a quote for an AUII XR6 and XR8 - $428 and $511 respectively, not sure what they would say if it was modded but I can't see a new exhaust adding much to the premium?

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Old 09-24-2001, 19:38   #7 (permalink)
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Re: Re: Ford Insure

Quote:
Originally posted by Kieron
Jeeezus, those insurance premiums are staggering!! I pay $390 for my EF XR6, just got a quote for an AUII XR6 and XR8 - $428 and $511 respectively, not sure what they would say if it was modded but I can't see a new exhaust adding much to the premium?Kieron
Depends on the insurer, policy, etc. As an agreed value policy, I didn't alter that value when adding the exhaust in so the premium stayed the same. I guess if they feel a modifications makes it more likely to be stolen, then a premium increase might be warranted.

One thing I didn't mention, was that both Shannons and Just Cars have a 'theft' excess on top of normal excesses, Ford Insure have no such excess.

The premiums are staggering, but that's what we pay for living in crime-ridden Sydney. :(
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Old 09-24-2001, 19:45   #8 (permalink)
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Premiums are one thing but not all insurance policies are created equal.

Cheap insurance - expensive excess?

Or worse still what parts or repair process is used?

I'm sure their are lots of horror stories out there?

Its always good to go with someone you can trust.
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Old 09-24-2001, 20:02   #9 (permalink)
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Re: Re: Ford Insure

Quote:
Originally posted by Kieron


Jeeezus, those insurance premiums are staggering!! I pay $390 for my EF XR6, just got a quote for an AUII XR6 and XR8 - $428 and $511 respectively, not sure what they would say if it was modded but I can't see a new exhaust adding much to the premium?

Kieron
Kieron, where are those prices from....
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Old 09-24-2001, 20:18   #10 (permalink)
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Re: Re: Re: Ford Insure

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Originally posted by Jase_ELXR8


Kieron, where are those prices from....
FAI, I have been with them for years but i'm in Perth, so that may make a difference.

Kieron
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