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Old 02-22-2003, 21:35   #1 (permalink)
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Insurance?

I just bought an ED XR6 and at the ripe age of 17 find myself unable to find insurance for it. Can anyone who faced this same dilemna share any ideas on what insurance companies will insure me? So far Allianz and Aami have said no with Aami saying that this cars age limit is 25 and over!
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Old 02-22-2003, 22:08   #2 (permalink)
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NRMA/RACV insured my cars thru my "under 25/ had a car stolen" part of my insurance history. Both they and GIO were the best for insurance, I still use NRMA/RACV.

Being both a performance car and under 25, be prepared to be paying a few grand a year until your no claim bonus/rating builds up...

Tim
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Old 02-22-2003, 22:13   #3 (permalink)
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Yeah well the RACQ said $2000 a year! Too expensive for me so maybe thrid party will be the go!
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Old 02-22-2003, 22:17   #4 (permalink)
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2 grand? Thats not so bad, I was forced to pay $4800 a year on one of my cars after I had one stolen...

Third party.... could you stand losing all that money if your car was stolen or you smashed it? Or if someone smashes it without insurance, it's alot of money to lose....

Hope you find a good solution, sometimes insurance brokers can find a better deal than the big companies! Good luck with it!

Cheers.......... Tim
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Old 02-23-2003, 00:09   #5 (permalink)
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put it under your parents name mate and just have you as one of the drivers on the list....

worth a try
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Old 02-23-2003, 00:49   #6 (permalink)
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I think the car has to be insured as the registered owner.
maybe find someone who can do third party property fire and theft ?
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Old 02-23-2003, 01:08   #7 (permalink)
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i was quoted around $3500 for my AU2 with sunroof and sports exhaust for a 16 year old... only a couple of places wouldnt insure me, and that was usually because of the exhaust.

I wouldnt have thought it would have been as difficult to ensure an ED... is it stock??
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Old 02-23-2003, 01:22   #8 (permalink)
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The car is in stock guise and the companies won't even insure under my dads name with me as driver, they say if I crash it then the won't pay out. At the moment the car will only ever be driven to the train station and back and it will get me around on the weekends so I think that third party will have to do. What really sucks is that they automatically assume that because I am 17 and own an XR6 that I will have an accident, I think the main problem is that I have just moved from the NT and so I have had my license for almost two years already, and am already on my opens but here I would still be on P's, maybe if I actually go in to someone instead of doing it over the phone it might work out.
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Old 02-23-2003, 03:23   #9 (permalink)
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Its funny how two letters and a digit can affect getting insurance or not. X R 6, whats it mean, a high flowing exhaust, a different head, and a different cam possibly with optioned rims, and suspension. I mean its not like an ED XR6 is blinding faster than a stock ED 6cyl, sure its got more poke, but that much more poke isnt likely going to me death or accident.

Basically theres not much you can do. Find an insurance broker and they'll help you out somewhat. Until your older and have a decent rating then you'll be through the nose like every other young'n...

Maybe you can debadge the car, and insure it as an ED 4L Falcon. Insurance company wont have a clue if you do crash it. Play stupid and say it came like this, how am i meant to know it was actually an XR6.

Apart from the badges, the tickford emblem on the head, and the chassis number theres not much else to tell its not just an ED with other bits thrown in. Maybe try that out, see what happens. Talk to you folks about it first...

South
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Old 02-23-2003, 03:45   #10 (permalink)
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Quote:
Originally posted by South
Maybe you can debadge the car, and insure it as an ED 4L Falcon. Insurance company wont have a clue if you do crash it. Play stupid and say it came like this, how am i meant to know it was actually an XR6.
i wouldnt try that if i were you, insurance companies are pretty bloody stingy when it comes to paying out - theyll find a reason, last thing you wanna do is make it easy for em - all youll do then is waste money on comprehensive insurance when youll get the same outcome as just having third party
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