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#1 | ||
Banned
Join Date: Jan 2006
Location: Melbourne
Posts: 1,318
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If i wanna do more mods to my car, i now have to change insurrance! Im currently with AAMI, but now i'd prob have to go with Just Cars insurrance as they are a sister company of AAMI! Just Cars allow unlimeted mods to your car! So im not sure what to do!
As anyone had any dealings/heard of anything with Just Cars insurrance? Cheers Simon :voldar02: |
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#2 | ||
Regular Member
Join Date: May 2005
Posts: 83
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I was with JCI for a year (last year) for comprehensive on my stock AUIII and they suited me fine. Didn't claim anything though.
One thing I didn't like was the upfront annual payment... they allow 6 monthly payments after the first one, but still not to my liking. |
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#3 | ||
windsor user
Join Date: Dec 2004
Location: Geelong
Posts: 13,123
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i'd be interested in peoples opinions of justcar or similar insurance mobs which allow mods........as im sure racv are gonna have a fit about my car having the stroker and 19's
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#4 | ||
Miami Pilot
![]() Join Date: Jan 2005
Location: ACT
Posts: 21,701
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I've got the wagon insured through Shannons. They were only about $10 per month more than AAMI, and they allow pay by the month at no extra cost, so it's really convenient. They also insure the car no matter what mods I do - as long as I tell them about ALL mods. So they even know about the chrome door handles in the wagon - better to be safe than sorry.
Only dealings I have had with Just Cars was to get a quote on Russells old T3 stroker - they wanted QuickTrack fitted (even though it doesn't waork in ACT), plus $2500 per year premium. I ended up doing a house extension instead.
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The Hammer: FG GTE | 376rwkw | 1/4 mile 11.793 @ 119.75mph 1.733 60' (4408lb) 1 of 60 FG MK1 335 GTEs (1 of 118 FG Mk 1 & 2 335 GTEs). Mods: Tune, HSD/ShockWorks, black GT335 19” staggered replicas with 245 & 275/35/19 Michelin Pilot sport 5s Daily: BF2 Fairmont Ghia I6 ZF, machine face GT335 19” staggered Replicas with 245s and 275s, Bilsteins & Kings FPV 335 build stats: <click here> Ford Performance Club ACT |
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#5 | ||
Walking with God
Join Date: Mar 2005
Location: Melbourne
Posts: 7,321
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I tried Shannons for my motorbike, very steep price, stayed with current insurer.
For the cars though, I'm with Budget Direct, a QLD mob, heard of them? They are really cheap, but they don't like mods. If I want to start doing some more serious business, Shannons might get a ring. I'm too old for Just Cars. That's for youngsters! LOL! ![]() GK
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2009 Mondeo Zetec TDCi - Moondust Silver 2015 Kia Sorento Platinum - Snow White Pearl 2001 Ducati Monster 900Sie - Red Now gone! 1999 AU1 Futura Wagon - Sparkling Burgundy On LPG Want a Full Life? John 10:10 |
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#6 | ||
FF.Com.Au Hardcore
Join Date: Feb 2005
Location: Narangba QLD
Posts: 4,338
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my uncle insured his Ford T bucket hot rod (fibreglass kit style).. for $350 a year :O..(covered for $25,000 agreed value and if its written off he gets the wreck back FREE
and his XJ6 jag with 253 V8 conversion for i think the same amount both thru shannons my fairlane is insured thru justcars.. for $1300 a year.. (down from $2000 a year from RACQ. and $2500 last year from RACQ) due to me being 19yo with no insurance history etc..
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On The Street Feature Winner Performance Ford Mag See my car at:-www.aufalcon.com/blackers10 |
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#7 | |||
Walking with God
Join Date: Mar 2005
Location: Melbourne
Posts: 7,321
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Quote:
GK
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2009 Mondeo Zetec TDCi - Moondust Silver 2015 Kia Sorento Platinum - Snow White Pearl 2001 Ducati Monster 900Sie - Red Now gone! 1999 AU1 Futura Wagon - Sparkling Burgundy On LPG Want a Full Life? John 10:10 |
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#8 | ||
Regular Member
Join Date: Jan 2005
Location: SMITHFIELD NSW
Posts: 472
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Just Car insurance are rubbish i wanted to insure my car with them for my agreed value and with all the mods they will only insure it for $12500 so whats going to the case when i want to insure a T-Series when i buy one.
And i got curious about the pricing on a BF XR6 you got to be kidding right with my current insurer GIO they want a extra $1000 i thought newcars were cheaper well they are not. Lastly Budget direct wont insure anything that has mods they cancelled my policy due to the sports exhaust so some advice ring them up before you sign the dotted line.
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18 T6 Multivan 03 Ba Xr turbo 300rwkw |
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#9 | ||
Irregular Member
Join Date: Sep 2005
Posts: 199
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Ive been with Just Cars for afew years.The good thing was they dont care whats done so long as you tell them.My car has King Superlows in it and when i told them its lowered they didnt want to know how much like some other mobs like NRMA wanting to inspect your car ride height etc.
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#10 | ||
Formally Kia Chaser
Join Date: May 2005
Location: Newcastle
Posts: 2,493
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Just another insurance compnay. They will all rip you off anyway, either in premium, upfront fees or when you actually make a claim.
I hate insurance but have no option. The only reason I'm not with JCI is because of the upfront fee's. NRMA don't know about any of the police options on my car...and neither do I when it comes to insurance, yet I still pay $1400 each year for agreed value of $15000, and then another $2300 for a claim.... it's all crap. Can't wait till I'm 23. Insurance will be around the $700 mark. I had my old Barina insured with NRMA and they said that I can't do mods that add up to more the 10% of the market value of the car. Now the market value was $1000, so I said to them how the hell can I change the tyres? A bit off track though.... How do you know a lawyer is lying - cause his mouth is moving! How do you know your insurance company is ripping you off - cause your paying them!
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Kia Grand Carnival (2006) Silver, Grill Mesh, Tints, Sidesteps (with lights), Towbar, 7" Touch Screen DVD Tuner with intergrated GPS & Bluetooth, Roof Mounted Flip Down 15.1" LCD Screen, Reverse Camera - 184Kw HSV Clubsport R8 VY (2003) Black, 6sp Manual, Coulson Seats, Red on black interior, Pacemaker extractors, Twin 2.5" exhaust, Custom Red 20" VE GTS Rims, Custom Red Stitching
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#11 | ||
Audi S3
Join Date: May 2005
Location: Sydney.
Posts: 8,307
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i got a quote from just cars.. wanted 3 grand per year for my car with a cat back exhaust. told em to get effed and went back to NRMA under my 'rents name
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#12 | ||
Formally Kia Chaser
Join Date: May 2005
Location: Newcastle
Posts: 2,493
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$5000 a year for a $20000 Skyline GTR with a 17 year old driver....
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Kia Grand Carnival (2006) Silver, Grill Mesh, Tints, Sidesteps (with lights), Towbar, 7" Touch Screen DVD Tuner with intergrated GPS & Bluetooth, Roof Mounted Flip Down 15.1" LCD Screen, Reverse Camera - 184Kw HSV Clubsport R8 VY (2003) Black, 6sp Manual, Coulson Seats, Red on black interior, Pacemaker extractors, Twin 2.5" exhaust, Custom Red 20" VE GTS Rims, Custom Red Stitching
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#13 | |||
Audi S3
Join Date: May 2005
Location: Sydney.
Posts: 8,307
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Quote:
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#14 | ||
Fantastic Plastic
Join Date: Jan 2006
Location: Mars most of the time
Posts: 2,019
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I really do feel sorry for you younger guys on P's etc etc , i remember 'back in the day' when i was on P's with my XE all done up, i was luck if most insurance companys would even look at me , and those who did wanted like nearlly $3000 a year to insure me/my car .. omg ! .. I ended up driving that car around with no insurance for years ! - lucky me i didn't get in a prang and it didn't get pinched . All my other cars after that were sh|tboxes anyway so i didn't bother with insurance.
I've only now just got insurance for the first time in my life since buying this XR , and i was supprised that it didn't effect me. I got full rating/cover #1 fully insured for $20,000 (and the car only cost me 10,000 ! , got it for a bargain though ) , and they are only charging me $350 a year !. That's through 'Allianz' car insurance .
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#15 | |||
Audi S3
Join Date: May 2005
Location: Sydney.
Posts: 8,307
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Quote:
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#16 | |||
Fantastic Plastic
Join Date: Jan 2006
Location: Mars most of the time
Posts: 2,019
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Quote:
Most the places i rang before Allianz wanted at least twice as much to insure me, and were only willing to goto around $15,000 cover . Way to go Allianz ![]() ![]()
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#17 | ||
Regular Member
Join Date: Dec 2005
Posts: 74
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I was going to go just cars but because of my 'not so perfect' driving history (it was about 2 years 11 months since my last speeding ticket so i didnt have 3 years 'since') so i ended up going with this 'young and cool' company who didnt mind. I cant modify my engine but i can do whatever i want to the car. Anyways the premium and excess is half the price of just cars - their excess is exhubertant.
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AUII Xr6 Manual + Silhouette + Tickford Bodykit + Alloys + Momo Kit = Dreamy! |
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#18 | |||
let it burn
Join Date: Feb 2006
Location: QUEENSLANDER!!!!!
Posts: 2,866
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Quote:
Theyll catch up in a few. |
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#19 | |||
Fantastic Plastic
Join Date: Jan 2006
Location: Mars most of the time
Posts: 2,019
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Quote:
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#20 | |||
let it burn
Join Date: Feb 2006
Location: QUEENSLANDER!!!!!
Posts: 2,866
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Quote:
I still seem to remember some people being left without 3rd party insurance due to Allianz, not sure of the specifics. It was enough that the following rego year I swapped rego insurance to Suncorp. |
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#21 | ||
FF.Com.Au Hardcore
Join Date: Feb 2006
Posts: 1,078
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I have my AUI covered with Justcars.. and had my Commodore covered since feb 05. I find them very easy to work with. The Commodore had extractors, exhaust, CAI, Lowered, Mags, Stereo & a Sports Steering Wheel. And I think I was paying $950. I then traded up and got an AU.. and I think Im paying $550 or something. Im 22, and Rating 1 now.. woohoo. With Rating 1 protection.
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#22 | ||
XB in parts...
Join Date: Dec 2004
Location: Sydney
Posts: 2,890
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Just Cars seem ok but they don't offer pay by the month
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Daily Driver 2019 Ford Escape...looking for XR6T's. |
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#23 | ||
beep beep
Join Date: Dec 2004
Location: Melbourne
Posts: 1,971
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We had the ute covered with Just Cars. Late at night a wayward XF came around the corner and slammed into the side of the tray of the ute.
Just cars were prompt with the service, paid no excess, choice of repairer, beautiful repair work, all in all the car was fixed within 2 weeks i think. Couldn't be happier. However the downside was the car was under insured for a total write off. The after market wheels were an additional excess (if at fault). Just Cars almost won't do agreed value, and will under value your car. However if it is a last case of being able to get insurance, we had zero problems lodging a non-fault claim with no loss of rating 1.
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Nothing to see here, move along, move along... |
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#24 | |||
XB in parts...
Join Date: Dec 2004
Location: Sydney
Posts: 2,890
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Quote:
Also, if your car is insured in your parent's name whilst you own the car, you could find your claim being refused. In fact, just the other day we had an example of a guy who bought an STI rexy but got his parents to insure it for him (i work for an insurance company). The insurance company found out it was his car and they refused the claim.
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Daily Driver 2019 Ford Escape...looking for XR6T's. |
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#25 | ||
...fairly odd
Join Date: Jul 2005
Location: mcdonalds college of hamburger knowledge
Posts: 901
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im with just cars but i only have a $3500 EB so ive got third party prop with fire theft. so far they have been great to deal with (had two cars under them) but ive never made a claim so lol... yeah. they are underwritten by aami so if you have had good dealing with them i guess they wouldnt be too different.
next car will be under just car they want $2500 to insure $40ks worth of XR8 with mods. im under 25 and when i did the qoute i had a year left of telling the about my licence situation (if that make sence). so that price could only be better now.
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1992 EB Falcon 5.0 V8. mods; dust, dirt, cobwebs, scratches, trolley dents, dented bonnet, gutter scrapes, rattly exhaust, and floor mats.
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#26 | ||
Forum Director
Join Date: Feb 2006
Location: Boro
Posts: 1,187
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I find Shannons to be great, but I have a suspicion that that only applies for those of us over 35.
They know of all the mods to my ute and are charging $600 per. |
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#27 | ||
FF.Com.Au Hardcore
Join Date: Feb 2006
Posts: 1,078
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I paid $9000 for the AU.. and its agreed value is a little over $9000 due to the stereo. Its covered for what I paid for it. Im happy. Im with Justcars
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#28 | |||
Walking with God
Join Date: Mar 2005
Location: Melbourne
Posts: 7,321
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Quote:
GK
__________________
2009 Mondeo Zetec TDCi - Moondust Silver 2015 Kia Sorento Platinum - Snow White Pearl 2001 Ducati Monster 900Sie - Red Now gone! 1999 AU1 Futura Wagon - Sparkling Burgundy On LPG Want a Full Life? John 10:10 |
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#29 | |||
Audi S3
Join Date: May 2005
Location: Sydney.
Posts: 8,307
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Quote:
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#30 | |||
Regular Member
Join Date: Jan 2006
Location: Melbourne
Posts: 176
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Quote:
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