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| Author: | min-E [ Mon Aug 20, 2012 6:50 pm ] |
| Post subject: | insurance? |
Ok so what's the norm when it comes to minis? Should I go for just 3rd party or full cover? Also who do you think the best insurer is at what price and any benefits. Cheers. |
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| Author: | michaelb [ Mon Aug 20, 2012 7:19 pm ] |
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Depends! My Cooper S is with NRMA vintage and Veterans but only cause its on club plates If its a daily driver then maybe try Shannon's I usually try for fully comp but it will depend on your budget and the value of the car My mini van is with AAMI but only 3rd party property |
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| Author: | min-E [ Mon Aug 20, 2012 7:23 pm ] |
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Not worried too much about the budget but I have no idea what my car is worth lol. It will probably be driven every second or third day. |
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| Author: | drmini in aust [ Mon Aug 20, 2012 7:24 pm ] |
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Can of worms here, or is it a bucket of popcorn.... 
Unless you are young and can't get cover I'd go comprehensive, agreed value, with either Shannons, NRMA V&V (or whatever it's called) or Lumley. If your car is any good, the other suspects won't insure it for what it's really worth. My current insurance burglar of choice is Shannons... and if totalled I get to keep the wreck. |
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| Author: | min-E [ Mon Aug 20, 2012 7:33 pm ] |
| Post subject: | |
33 this is my car any ideas how much I should try and insure for? http://m.flickr.com/#/photos/by_dan/7814423606/ |
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| Author: | Anto [ Mon Aug 20, 2012 8:21 pm ] |
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top colour combo right there... i've been planning to paint my roof black for a while, decision is now made. As such, I'd insure it with Shannons, because that's who I'm insured with 
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| Author: | TUCK3r [ Mon Aug 20, 2012 8:43 pm ] |
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I'm with Shannon's costs me 400 a year for 15g and salvage rights and I'm 23 |
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| Author: | danny_ [ Tue Aug 21, 2012 9:26 am ] |
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i would go for anywhere between 12-14k I am with shannons and i pay $65 a month for $12,800 cover. I am 20 years old and only pay $250 excess and get to keep the wreck! You don't pay more for month to month. |
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| Author: | min-E [ Tue Aug 21, 2012 11:41 am ] |
| Post subject: | |
Ok thanks guys looks like I shall be giving Shannon a call. |
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| Author: | WiLo [ Tue Aug 21, 2012 2:13 pm ] |
| Post subject: | |
TUCK3r wrote: I'm with Shannon's costs me 400 a year for 15g and salvage rights and I'm 23
Is that daily driver coverage or 2-3 times a month? |
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| Author: | drmini in aust [ Tue Aug 21, 2012 3:00 pm ] |
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Mine is insured with Shannons for $11K, costs me a bit over $300, I have a 5000 miles/yr limit (these days I'd be lucky to do 1/2 that). Realistically though, they never check the mileage, AFAIK. I've been with Shannons for 15? years. |
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| Author: | JimL [ Tue Aug 21, 2012 3:10 pm ] |
| Post subject: | |
Shannons seem to be the most popular. Im 20, car is on a club permit insured for 7k and i pay $216 a year for full comp. Anyone know what they are like to deal with when the time unfortunately comes to put in a claim? |
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| Author: | drmini in aust [ Tue Aug 21, 2012 3:27 pm ] |
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JimL wrote: Shannons seem to be the most popular.
Im 20, car is on a club permit insured for 7k and i pay $216 a year for full comp. Anyone know what they are like to deal with when the time unfortunately comes to put in a claim? They bend over backwards to help you. Unlike some/most others... I had a $7.5K claim for hail damage on my Falcon (it's also with Shannons). I doubt you will find a dissenting voice here when it comes to Shannons claims. 
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| Author: | TUCK3r [ Tue Aug 21, 2012 5:28 pm ] |
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WiLo wrote: TUCK3r wrote: I'm with Shannon's costs me 400 a year for 15g and salvage rights and I'm 23 Is that daily driver coverage or 2-3 times a month? It's not for daily use but more than 3 times a month I think I can drive it 2-3 times a week. But I rarely drive it anyway. I also live in Grafton so the risk factor is down compared to Sydney. |
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| Author: | 1071 S [ Tue Aug 21, 2012 6:52 pm ] |
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Try them all. You won't have problems with any of the reputable insurers. However, it can be surprising what insurers are concerned about. Some are more worried about old cars and some with young drivers.... And some go out of their way to attract new customers - you can always change next year.... With the I'net it only takes a few minutes (well maybe an hour) to check all the options - and the results may not be obvious before you start... I'm with Shannons for the Minis - but they don't like the modern daily driver.... or the Daughter's grotty old Toyota.. Cheers, Ian |
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