Car Insurance

[ajm]

We need an insurance thread to which everyone can add there gripes and hypes.

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[ajm]

Just opened the insurance renewal on the 2014 MUX. 50% increase in the premium. According to BD, it could be because of the overall insurance environment and might not be related to our personal circumstances. These haven't changed, BTW.  There's more to whinge about but my one finger is already sore from corresponding with them about it.

Interestingly, other insurers don't seem to have risen that much. Have only looked at comparison sites so far so this may change


Bugger.

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[Gav62]

Try Allianze

[WAI4WD]

We call all our insurance renewals each year and argue the increase, and we get a reduction each time. Still more than last year, but less than what they're asking.

[ajm]

Try Allianze

Cheers Gav. Going to try everybody


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[WAI4WD]

Honestly, so far (fingers crossed), I haven't had any big hikes with Club4x4 from the original to the renewal, and I've added extras from mods to the policy. Now the missus RACV last renewal, they tried to increase it about 50% and she argued with them, told them she was leaving them, and they dropped the increase about 30% or more.

Fight tooth and nail with them and don't take the dribble they try and feed you over the phone.

[xcvator]

talking to a mate about this yesterday, he has a vw amarok that's about 12 years old and he's paying about 70% more than me for my mux18 

[ajm]

We call all our insurance renewals each year and argue the increase, and we get a reduction each time. Still more than last year, but less than what they're asking.

Standard procedure these days. Each year we call up for each car when the renewal comes. It's a pain but we usually get some joy. This time, they asked about increasing the excess to reduce the premium. Sure, says I but first you have to explain to me exactly what is behind the 50% increase. Lots of very general ideas put forward about the state of the market and its impacts.  I am not so sure so will ring around tomorrow to see if it's the same everywhere.

Interestingly, the guy asked how many kms we do annually and provided several bands eg 0 - 5000, 5000 - 10000, 10000 - 15000. I answered that we do about 25k kms pa. He had trouble believing it was a family vehicle and not commercial. Such a palaver.

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[applemaxvic]

Hi, we are with DGA Insurance brokers.
our 2015 dmax is covered  any where any road  any beach .
including 25k of listed extras $1200 p.a. went up $30 from last renewal in 09/22
So far only claimed for 2 broken windscreens, ( 1 per year max ) no problems
Cheers
Bob

[ajm]

Hi, we are with DGA Insurance brokers.
our 2015 dmax is covered  any where any road  any beach .
including 25k of listed extras $1200 p.a. went up $30 from last renewal in 09/22
So far only claimed for 2 broken windscreens, ( 1 per year max ) no problems
Cheers
Bob

Thanks Bob. That's roughly what ours is currently. Shall call them tomorrow.

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[ajm]

Fight tooth and nail with them and don't take the dribble they try and feed you over the phone.

Standard practice for all insurance renewals. Challenge them to provide precise reasons and calculations to back up their demands. Threaten to leave. Or actually leave, if you can get the price you want elsewhere. Ratings travel with the driver, so if you are a rating 1 with xyz insurance, you will still be rating 1 at the next.

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[xcvator]

Shanon's insurance is pretty good to me   

[ajm]

Hi, we are with DGA Insurance brokers.
our 2015 dmax is covered  any where any road  any beach .
including 25k of listed extras $1200 p.a. went up $30 from last renewal in 09/22
So far only claimed for 2 broken windscreens, ( 1 per year max ) no problems
Cheers
Bob

Interesting result from DGA. $1700 (incl $55 broker fee). The info sent with the quote is for CGU. who is your underwriter?

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[dilbert]

Over 6.5 years of ownership my annual premium for NRMA comprehensive cover has averaged $585. I was outraged last year when the premium went up about 8% to $673. Agreed value went up to $42700.

It's a case of comparing apples and oranges I think.

[Gav62]

for comparison 2018 Dmax LS Dual Cab $670 with Allianz.