Insurance - to good to be true?

[tumoit]

I just called up NRMA to get a quote on insuring my 4wd and was suprised with what I was told.

Interested to hear if anyone thinks i'm being told lies here.

I'm under 25 so I pay the $450 excess + $400 for being young.

They quoted me $542/annum for comprahensive insurance. This includes accessories such as bullbar, UHF and suspension. They also said that it was standard that you are covered both and on and off the road if you have a 4WD (you didn't get a choice here, if it's classed as a 4WD you get off road insurance).

They also said that it being over 10 years old means I can only get market value which I'm happy with as I paid under market value for it anyway.

I should also note that this is for a '93 single cab Hilux.

Previoulsy when I've looked at insurance I've been looking at well over $1k/annum for it.

[corhijas]

that sounds pretty good to me mate,i am with racv in vic and i pay just over 400 per year and i am over 30 with no bad record or anything,if you wave the free windscreen option it will also come down cheaper.

[FourXfouR]

I am having trouble finding insurance because of 2" lift and 32 inch tyres. They have all rejected me so far

[peteinoz]

I am having trouble finding insurance because of 2" lift and 32 inch tyres. They have all rejected me so far

CGU

will cover you.. they are cheap also.

pete

[tumoit]

I am having trouble finding insurance because of 2" lift and 32 inch tyres. They have all rejected me so far

NRMA will cover you upto 2" of lift, don't know about the tyres though, they just said that if it is the cause of the accident you might run into problems.

Has anyone got any comments about NRMA as an insurance company?

[d3m0n1c_4b]

well i'm currently 16(turn 17 in september) i'm with racq, they know i'm 16, i have my runner insured with them for private property fire and theft, stated that it has 2" suspension and bullbar. i payed 260 for the year. it's 85 model.

[tumoit]

well i'm currently 16(turn 17 in september) i'm with racq, they know i'm 16, i have my runner insured with them for private property fire and theft, stated that it has 2" suspension and bullbar. i payed 260 for the year. it's 85 model.

Your 16, have a modified 4WD and pay $260/year for third party insurance? I think you're dreaming, you pay more for CTP with your rego.

I was looking at around a ludacris $800 for thirdparty on my Lux.

[slowlux]

I am having trouble finding insurance because of 2" lift and 32 inch tyres. They have all rejected me so far


cgu are very cheap

Im 19, had no accidents-nothing whatsoever, on my full license. They charge me $220 a year for third party on my 88 shorty GQ diesel with a few extras

[cruiseryobbo]

wow sumthins up there RACQ for Comp third party on my 100series costs me like 2K a yr cause im only 17 and i spose it has sumthin to do with it being 6cyl engine or sumthin but yer however they cover me for it all on road or off road

[d3m0n1c_4b]

Your 16, have a modified 4WD and pay $260/year for third party insurance? I think you're dreaming, you pay more for CTP with your rego.

I was looking at around a ludacris $800 for thirdparty on my Lux.
nah dude, i didn't. i thought it was kool, my dad is down as another main driver coz they know i'm on my L's obviously, but i only paid 265.70. it's not comprehensive. i even just checked my insurance letter to double cehck it. $265.70. drivers are me- no yrs licensed, and my dad-32 yrs licensed. no piss dude. oh and it's only insured for $3500 and it has nearly 300 000km on the clock.

[slowlux]

wow sumthins up there RACQ for Comp third party on my 100series costs me like 2K a yr cause im only 17 and i spose it has sumthin to do with it being 6cyl engine or sumthin but yer however they cover me for it all on road or off road

probly sumthing to do with the fact your 17 and driving a 100 series

[Luxyone]

wow sumthins up there RACQ for Comp third party on my 100series costs me like 2K a yr cause im only 17 and i spose it has sumthin to do with it being 6cyl engine or sumthin but yer however they cover me for it all on road or off road


Most over 25's would be paying near 1000 to comprehensive their 100 series. I'd give it back to your parents and add your name as an additional driver. Be a lot cheaper that way.

[rosedog]

im with cgu, pay 570 or something for comprehensive and they give me a free windscreen every year.... have not had to claim through them though..

[joshy]

im with just car n paying all most 3000 for full comprehensive, and i think its over a grand in excess if sumtin happens. gota love being under 25 and male

[Disco98]

Your 16, have a modified 4WD and pay $260/year for third party insurance? I think you're dreaming, you pay more for CTP with your rego.

I was looking at around a ludacris $800 for thirdparty on my Lux.

i had 3rd party insurance on my car when i was at UNI, it was only a ford escort but the value of your car means nothing as its insurance for the car you hit if its your fault, i was only 17 and it cost me $169 a year. Its peace of mind if your car isnt worth much but you want to protect yourself against the damage you might do to someones Rolls Royce should you hit one.

I insure mine throught QBE, i am 27 in october, i own a 98 Disco its insured for market value and i pay $655 a year.

TCIS are the insurance specialists when it comes to 4wd's so if you are having troubles insuring a modded rig contact them. Matt

[Disco98]

im with just car n paying all most 3000 for full comprehensive, and i think its over a grand in excess if sumtin happens. gota love being under 25 and male


shite, what do you drive, that seems stupidly high, i would bank the 3k each year and use that to buy a new truck if something happened. Whats your rig valued at?

[4runner8]

under 25, full comp, when i first bought the bus, it was just over 2400 a year, was the first time i'd had insurance, now its just a tad over 1100

[exodus]

RACQ myself fully comprehensive insurance.
$96? p/m so $1152 p/u
on a 2007 v6Hilux Dual Cab 4wd.

not yet 24, currently rating 3? i believe. have had no claims or accidents
just have only been driving for 2 1/2 years.

I didnt go out and get a license as soon as i could, i waited till i needed one, and somewhat penalised for that by insurance, but owell.

[joshy]

shite, what do you drive, that seems stupidly high, i would bank the 3k each year and use that to buy a new truck if something happened. Whats your rig valued at?

2006 navara st-r, insured for 38000 i think, so take a few years of puttin 3 grand away to equal it. i rang a couple of places n they were all more expensive then that..one wanted 4grand

[ravofireman]

1500 to insure my pos,, its only worth 6grand

geez

[nissan_4ever]

im with tcis....

great company insured on road offroad with NO GPS CORDANTS RANGING, as most off road cover refers to unseald roads and not all tracks, not to mention once you leave mainland (fraiser)

[fishobob]

I have just taken out insurance with RACV on my 99 troopy. I'm 23 and had a lot of trouble getting insurance for it, most insurance mobs knocked me back because I'm under 25 and the car has been modified...

I'm pretty happy with what I got from RACV though. Comprehensive insurance for $906, car valued at $25,000 with 500 excess plus the $450 under 25 excess

[youngfella]

I'm with racq as well fully insured and they say that I'm covered off road but like nissan 4 ever said does that mean if i'm on fraser or straddie I'm not covered?

[MYTANK]

I'm with NRMA, Previously before i got my L's / P's he'd been insured with them since new when he bought the 60 ( 1985 ). He previously payed 250.00 / year Full comp ( he's 57 ).

When i was added to the policy it doubled to 500.00 Full Comp.

This is probably due to the fact that he's been with them for so long.

It is also my understanding that my 2" Suspension Lift, Bullbar (Been on the car since purchased) and the Larger Tyres are covered.

[Chester]

NRMA will cover you upto 2" of lift, don't know about the tyres though, they just said that if it is the cause of the accident you might run into problems.

Has anyone got any comments about NRMA as an insurance company?


They are good as long as you are totally honest. if you need an engineers cert for anything forget and also read the fine print even though it is off road the track must still be marked on a commonly acessable map

[saltyqld]

im 18 - full comp = $1000+$600 excess

only get market value

no wonder why insurance companies are so rich

bastards

[Emms4runner]

Im 28, have a 90 V6 4runner, market value was $6500...So $650 for full comp.

Having spent more then double on mine keeping it on the road:crazy:, i told them i wanted it covered for $9500, they finally agreed and put the premium up by $55, so $705 all up.

[exodus]

isnt the beach on fraser considered a gazetted road by qld transport anyway, since its speed limited etc

[safari wagon]

tio in N.T. only i think. 25yrs old $600 full comp. car valued at $34000. $100 per windscreen. $300 excess agaist anything. dont know if you have this anywhere else in oz but under a N.T. licence from driveway to a secondry road TIO will pay all medical bills, rehab and time spent off work. works for me.