Getting The Most Out Of Insurance - Ford Forums - Mustang Forum, Ford Trucks, Ford Focus and Ford Cars

Bertis_EB2 · 04-29-2004, 00:42

Well I am in the process of getting insurance.... only I got it with AAMI last year and the wont insure me now cause of the mods I have done

.... so I have rang up other places and they seem to want $760 for fire and theft when the cars only worth say 2-3 grand.... I could get insurance for a grand without the mods

I did a search on what young people do to get insurance and was wondering if I would be able to put it in my dads name somehow for full comprehensive??? hes with AAMI and is rating 1 for life..... bit hard to beleive a 45 year old man would have a car decked out with subs I guess.... but he does drive it about once a month.... also the cars registered under my name so I spose that cant help...... I really think paying 3-500 dollars more for an extra 10% power is ****ed especially for third party

BlueAU · 04-29-2004, 01:46

Mate, i dont know about other companies but CGU let you go on a policy in your dads name and rating, even if the vehicle is in your name. You just have to be noted on the policy. Other option is to try Just Cars???

EFJase · 04-29-2004, 01:50

Think car will have to be in your dads name so he can insure it.
If u make the claim, they will probably ask him if hes the owner of the car, then hell have to tell em its your car. And seing as you will only be listed as a percentage driver, when infact its your car, they may grease up your bum hole for some loving.

But i kow people who do this and havent had a problem. They may chase it up if its a big claim.

I think im with SGIO atm. $600/yr. only place that would insure my car for 3rd party fire and theft.
They told me that i could do anything i want to the car as long as its legal, and doent increase engine size or poer. (extractors are allowed but)
But they wont cover no standard items if they are stolen :cd player etc)

My 1st car was 'owned' by my dad, and insured by my mum.
I crashed it, slightly suspect conditions, and they gave me a heap of shit.
Kept asking how much i drive it, when where why, who pays for this and that.
I eventually got the payout but.

So i think if u wanna insure it under your parents name, put the cr in their name just to be safe

Bertis_EB2 · 04-30-2004, 00:16

Got it with RACV for $365....they know about my mods and accident last year as well.... bit better than just cars $710... I wasnt expecting them to take any mods at all

EFJase · 04-30-2004, 02:19

Thats not bad hey.
600 was the cheapest i found, im 19 and 1/2 with a at fault crash when i was 17.
May have something to do with the knobs in my area tourching cars. 2 per month for the last 2 yrs :(
And thats in a 'good' area aswell.

Mite do another ring round n see if i can save some dosh :)

Jamie XR6 · 05-02-2004, 03:46

Try Just Car Insurance. They are owned by AAMI and you can only get a policy with them if your cars has mods and you are knocked back by AAMI.

Sounds strange but as they are owned by AAMI they can not take business away from them. That is until you are knocked back then they will insure you.

EFFalcon · 05-02-2004, 17:29

Just Car sucks for 3rd party

very expensive.
RACV are generally good for minor mods, glad to see you found someone :)

blackout · 05-02-2004, 17:57

I have full comprehensive isurance on my EL for $570 for the year, in my dads name, with me as a listed driver.

The catch? $1800 excess.

Aeron · 05-02-2004, 17:58

Im 20 and my Commodore is insured (full-comp) with Shannons. They were the only people who would insure me when i started doing mods. I called up just now, so i can get my XR6T insured, because i pick it up today, with them and they gave me a quote slightly less than NRMA, so i took it. So now i have to insure 2 cars 'til i sell the Commodore. God i hope i sell it soon!!
The XR6T is $3,897/year full comp

normell · 05-02-2004, 21:44

Ring an insurance broker, tell them what type of insurance you want, what modds you have and plan on doing.
They will get you the cheapest quote, they re-negotiate every year for cheapest, and they charge bugger all, cause insurance companies give them discounts for getting your policy.