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  #16  
Old 30th April 2020, 06:46 PM
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Default Re: Insurance options

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Originally Posted by BenzBoy View Post
I assume your car costs such as insurance are a tax deduction Michel?
Regards,
Brian
Not at all Professor.
These are private vehicles.
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  #17  
Old 1st May 2020, 07:13 AM
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Default Re: Insurance options

Good information Michel.
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  #18  
Old 1st May 2020, 07:54 AM
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Default Re: Insurance options

Insurance is always a tough one because the thing that matters is how the companies behave when you need to make a claim. Most people don't make many, and it can be really hard to find good information about this side of insurance companies.

I had a look at the enthusiast website and they mentioned they like to equip cars with trackers/immobilizers. Michel, did they require this of you?

Also, what is the penalty of a non-named driver driving the car. On my wife's policy the penalty is double the excess, but you're still covered.
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  #19  
Old 1st May 2020, 12:17 PM
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Default Re: Insurance options

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Originally Posted by c107 View Post
Insurance is always a tough one because the thing that matters is how the companies behave when you need to make a claim. Most people don't make many, and it can be really hard to find good information about this side of insurance companies.

I had a look at the enthusiast website and they mentioned they like to equip cars with trackers/immobilizers. Michel, did they require this of you?

Also, what is the penalty of a non-named driver driving the car. On my wife's policy the penalty is double the excess, but you're still covered.
There was no mention or request of immobilisers nor trackers, however, if your car is driven by someone who is not on the policy and that person has an accident, then you're not covered
So I essentially put my wife and my son on the policy.
Now, if I decide to lend the car to someone, all i need to do is to call the insurance company and add that person. And as I mentioned mechanics/panel beaters and valet parking attendants are all covered.
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  #20  
Old 1st May 2020, 01:33 PM
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Default Re: Insurance options

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Originally Posted by Michel View Post
There was no mention or request of immobilisers nor trackers, however, if your car is driven by someone who is not on the policy and that person has an accident, then you're not covered
So I essentially put my wife and my son on the policy.
Now, if I decide to lend the car to someone, all i need to do is to call the insurance company and add that person. And as I mentioned mechanics/panel beaters and valet parking attendants are all covered.
Its interesting, they must have worked out that there is a material portion of claims from other people driving the cars. I guess it makes sense, generally the owner is going to be more careful of their pride and joy than say 'uncle wally'.

I rarely let others drive my cars, but have let other enthusiasts who I know have a go, for example SEL_69L took my SLC for a drive around the block at the last GTG, and I drove styria's 6.9 as I had not yet driven one. I also let my brother who now lives in Perth use my 300SE for a week.
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  #21  
Old 1st May 2020, 01:43 PM
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Default Re: Insurance options

Out of curiosity I tried a quote from Enthusiast. They were very competitive for the Spirit so long as I accepted their valuation which was $30,000 less than what it is currently insured for. They would not insure the GTi6 - said it was too old and not worth the amount for which it is currently insured. I'll stay with Shannons.
The PV was totally beyond their comprehension. What scares any insurer is that a serious accident would see a massive repair bill as it is made out of 5 large sheets of alloy shaped entirely by hand. It too will stay with Shannons.
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  #22  
Old 1st May 2020, 03:04 PM
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Default Re: Insurance options

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Originally Posted by BenzBoy View Post
Out of curiosity I tried a quote from Enthusiast. They were very competitive for the Spirit so long as I accepted their valuation which was $30,000 less than what it is currently insured for. They would not insure the GTi6 - said it was too old and not worth the amount for which it is currently insured. I'll stay with Shannons.
The PV was totally beyond their comprehension. What scares any insurer is that a serious accident would see a massive repair bill as it is made out of 5 large sheets of alloy shaped entirely by hand. It too will stay with Shannons.
Regards,
Brian
As a matter of fact, the two insurance companies i mentioned are owned and staffed by ex-Shannons people who were left bewildered by how Suncorp messed up with the original concept of the Shannons' insurance principle.
I was lucky to have spoken to the owner, who helped me a lot.
Had I known you were going to get a quote, I would have recommended you spoke to him.
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  #23  
Old 19th May 2020, 02:27 PM
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Default Re: Insurance options

Gents,

Just to let you know, I did ring around to get some quotes, but ended up going with NRMA Veteran, vintage & Classic insurance.
My loyalty bonus helped a lot.
Holden insured for $40k on full rego.
Full salvage rights and all other bonuses similar to Shannonís.
Only stipulations that are different is that:
You canít use it to drive to work ďevery dayĒ
No parking the car un attended in under cover shopping centres.
Neither of these i donít do anyway.
Premium $367.00
Excess $300.00

Very happy with this.
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  #24  
Old 19th May 2020, 03:58 PM
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Default Re: Insurance options

That is a good deal Patrick.
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  #25  
Old 19th May 2020, 05:37 PM
BenzBoy BenzBoy is offline
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Default Re: Insurance options

No parking is shopping centres...
Let me tell you; a few years ago Steven took the Spirit to a meeting at Ryde Sport Centre and came back gleefully holding a parking infringement notice.
His argument was it was better to get the fine for parking neatly in 2 car spots than get a scratch on the Spirit.
Quite sensible.
Regards,
Brian
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  #26  
Old 19th May 2020, 05:48 PM
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Default Re: Insurance options

Heís a good man mate.

Thatís good thinking.
A very sensible thought process there.

Besides, a scratch on my future car is not what Iíd like to see

Yes Michel,
I thought that was pretty good.

Lucky dad made me join the NRMA before I even had a licence
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  #27  
Old 20th May 2020, 03:41 PM
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Default Re: Insurance options

I got this car insurance as on Facebook today. Obviously with targeted ads I get various automotive related content. Not sure how good the algorithms are though as I am about the last person the manufacturer can sell their latest SUV to.

This one made me laugh though. I guess the point is that their insurance is so cheap you can sell your crappy old car (the w116) and buy whatever the other car is. C class perhaps? Only problem is that I was thinking how good that w116 was in red and could they move the other car out of the way so I could see the 116 better!


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  #28  
Old 20th May 2020, 05:43 PM
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Default Re: Insurance options

I simply hate targeted advertising.
You look at something online and all you seem to get for the next fortnight are targeted advertising about that product...
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  #29  
Old 20th May 2020, 07:22 PM
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Default Re: Insurance options

Whoops,

Yes, that can be embarrassing
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  #30  
Old 20th May 2020, 09:37 PM
sean sherry sean sherry is offline
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Lightbulb Re: Insurance options

It is nice to see that I'm not alone in getting Pxxxx off with advertising and insidious marketing . It used to be said that the only way to get off Readers Digest mailing list was to Die. At least I see that most of them now give the option of unsubscribing... be it in minute print fonts.
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