So, got my insurance today....

[luster]

Modifications we have agreed to cover
Air Filter, Exhaust, Intercooler, Brakes (Upgraded/Larger), Suspension Modified, Strut Brace, Steering Wheel, Computer Chip, Cold Air Induction, Differential, Oil Cooler, Oil Catch Can, Taillights, Radiator (Upgrade), Sway Bar/S


Now I just have to make sure I do them all! lol

[Stuart@BMRAutowerkes]

lol congrats, affect the premium much?

[andrewgordo]

Wow thats a long list... who was it with and what was yoru before and after premiun?

[RaihaX]

I need to put all my mods this coming renewal - i hope i dont get stung with a massive premium

[luster]

Originally Posted by bmroxm5

lol congrats, affect the premium much?

Originally Posted by andrewgordo

Wow thats a long list... who was it with and what was yoru before and after premiun?

I have no idea, I never did a baseline - it will only serve to annoy me at the price difference.

I am fairly happy with the price tho, so thats good enough for me.

I was tossing up between Shannons and Justcar, I went to justcar as Shannons are very expensive for underage female drivers (my wife) and were really cagey about doing the insurance as a company.

[UR25IO]

Originally Posted by luster

I have no idea, I never did a baseline - it will only serve to annoy me at the price difference.

I am fairly happy with the price tho, so thats good enough for me.

I was tossing up between Shannons and Justcar, I went to justcar as Shannons are very expensive for underage female drivers (my wife) and were really cagey about doing the insurance as a company.

I dont know if its true or not but i heard all insurance are increasing their premium due to all the natural disaster that happen in the last, just to gain back all the payouts

i only hope it is just the effected areas the premium are going up if it is- coz i would hate to pay more if where im living is not declared as a natural disaster zone..

Good luck with all the mods!

[JB4-335]

Wow Clinton, My insurance dont know half of my mods. My mate owns a body shop so if something happens the car will go there first and I'll pull everything off.

[Hawkeye 135i]

Originally Posted by UR25IO

I dont know if its true or not but i heard all insurance are increasing their premium due to all the natural disaster that happen in the last, just to gain back all the payouts

i only hope it is just the effected areas the premium are going up if it is- coz i would hate to pay more if where im living is not declared as a natural disaster zone..

Good luck with all the mods!

My insurance premium increased 40% on renewal this month - I shopped around and it was still the cheapest by a far margin!

[dr.bmw]

Originally Posted by luster

.... underage female drivers (my wife)...

anyone else thinks this is just wrong?

[MikeVictor]

Originally Posted by RaihaX

I need to put all my mods this coming renewal - i hope i dont get stung with a massive premium

Been a while since I read a PDS, but I believe with general insurance (e.g. insurance for a car) you need to disclose changes as they occur, rather than at renewal, if you want to be covered for them and have peace of mind that you won't have a claim denied through non-disclosure.

Originally Posted by luster

I was tossing up between Shannons and Justcar, I went to justcar as Shannons are very expensive for underage female drivers (my wife) and were really cagey about doing the insurance as a company.

I can't say I've ever found Shannons "cagey" to deal with, they've always been good on the phone and most of the guys I've spoken to are interested in the car from a technical sense as well as an enthusiasts POV. I'm not calling you on this, just saying that it's never been my experience in the 6 years they've had my business.

I understand it might not have been the right policy for you if your wife is under 25 and you didn't consider the price competitive enough for the benefits.

Doesn't make sense to save on pennies if you're going to miss out on pounds (or preferred repairer) down the track IMO though.

Originally Posted by JB4135

Wow Clinton, My insurance dont know half of my mods. My mate owns a body shop so if something happens the car will go there first and I'll pull everything off.

A few "ifs" there JB. You might not have a say in the matter at the time, depending on circumstances, and I'm sure you wouldn't want your insurer to find out the hard way what you've done to your car. Your money, your car, your call however.

[woosh]

Originally Posted by dr.bmw

anyone else thinks this is just wrong?

Hahaha yeah I read that earlier but didn't have time to log on and quote it... Luster, please do explain/reveal your ways...

[luster]

Lol, underage by insurance standards. (she's 23)

[RaihaX]

Originally Posted by mattyv

Been a while since I read a PDS, but I believe with general insurance (e.g. insurance for a car) you need to disclose changes as they occur, rather than at renewal, if you want to be covered for them and have peace of mind that you won't have a claim denied through non-disclosure.

Yeah I know but I am only 1 month away from renewal so I can't be bothered calling them up (read lazy)

Plus I don't even know if I am going to go with them again.

Originally Posted by luster

Lol, underage by insurance standards. (she's 23)

[luster]

Originally Posted by JB4135

Wow Clinton, My insurance dont know half of my mods. My mate owns a body shop so if something happens the car will go there first and I'll pull everything off.

Work is paying the policy, so I dont mind being honest

[UR25IO]

Originally Posted by Hawkeye 135i

My insurance premium increased 40% on renewal this month - I shopped around and it was still the cheapest by a far margin!

was that due to the natural disaster zone? or you not in the flooded area at all?

[thunderb]

My policy increased by about $400 this year, last year it was around $800 with NRMA, the renewal came in at $1200, with a $10000 reduction in agreed value, went from a $64000 agreed to $54000, I actually went with AAMI, even though I hate their service, they gave me $780 premium on agreed value of $45000, so a week after the renewal, NRMA called me up about our house and contents policy and asked if I wanted to renew the 130i policy, I said I went with AAMI as it was cheaper, and they said, give us the policy details etc and they would beat them by 10%, so, 20 minutes on the phone with NRMA and 30 minutes on the internet getting quotes from AAMI etc... and I ended up with a $715 premium with NRMA, who I've found have been pretty good, especially when it comes to a couple of $1800 windscreens they've replaced.

So being in Toowoomba it looks like the price from NRMA went up by $400, but after shopping around, ended up getting it cheaper than last year.

Home Building & Contents went up by about $300.

[Knightelf]

Damn your insurance is cheap, mine is cutting close to triple that and I'm on rating 1