MySwag.org The Off-road Camper Trailer Forum
General => General Discussion => Topic started by: Trackaprado on August 25, 2011, 01:11:56 PM
-
A show on telly the other night got me thinking. Insurance on the prado at the moment over $1000. Coles, $680. Agreed value with all options the same (windscreen, hire car etc). Rang NRMA to see what the could do. "well you can up your excess and reduce you premium by $6 a month, and we cover all glass not just the windscreen" I'm getting both lots of PDS's sent out to go through them but they do seem pretty much the same. Has anyone had any good or bad experiences with Coles insurance?
Coles will also give you a 12c off petrol voucher once a month. Filling once a month (180 litres @ $1.47) would be worth another $255 above using the standard 4c off per litre. Makes it very tempting
-
I used to pay close to $1000 with my GU for full comprehensive insurance.
I have since changed to to Wesfarmers (COLES) and I only pay $580 for 12 months now. I filled up the other day and saved almost $12 on that one fill up. I think there may be a 150ltr limit on the discount dockets per month. I didn't take out the windscreen or car hire with my policy.
NOTE: I have no afilliation with this insurance company.
Cheers
Rich
-
Interesting - I have a covernote on the GU (only had it 1 week) AAMI are charging approx $700 full comp for a 2003 GU ST-L.
Coles came in at $358 but obviously require a phone chat to cover accessories etc.
Will be giving them a call later on.
Rich - have you ever made a claim with Coles, are they good to deal with?
-
Coles really want to control the planet dont they?
-
Gday Matt,
I found them easy to deal with over the phone too. What I did was an online quote listing all my accessories etc then call them to finalize everything with a Quote Number that was provided online.
I have never made a claim so I can't help you there. I think I had it set up so you need to be over 35 to drive my vehicle. I'll need to check my policy again to confirm that though.
:cheers:
Rich
-
Coles really want to control the planet dont they?
Wesfarmers do
-
Does Coles Insurance cover you anywhere in Australia or just on gazetted roads?
-
Do you get to choose your own repairer?
-
http://www.colesinsurance.com.au/
:cheers:
-
http://www.colesinsurance.com.au/car-insurance/comprehensive-car-insurance#down
Do you get to choose your own repairer?
Yes
Does Coles Insurance cover you anywhere in Australia or just on gazetted roads?
Yes, but your not covered during competion or training courses I think.
Rich
-
I just did a online quote and could save around $300, I think i know where I will be going next renewal
GG
-
The catch will probably be insured value with accessories, most of us have $10-15K worth of accessories they won't like.
-
The catch will probably be insured value with accessories, most of us have $10-15K worth of accessories they won't like.
That was my issue with them, and most insurers... the value of accessories was too high compared to value of vehicle...
Currently with RACV.. They arent cheap, but when I needed them to make a claim this year, it was piss easy.
-
Wow, just did a quick online quote. Looks like I will be changing insurers when mine is up for renewal in a few months as I save over $400 from what I am currently paying
-
I just ran through the online quote as AAMI is up in September.......my new negotiated fee with AAMI was $712, after they had tried to bump me to $795. Coles came in at $516.....................
-
Think I'll stick with my insurance company , after all we dont go to Coles or Woolies if we really want a Dentist or a Doctor when sick or in need of dental care why would you insure your car with a grocery shop ?
-
Current insurer CGU $738 pa for $11500
coles $409 for Max $8750
Save over $300 but insured for less ..... ???
-
The catch will probably be insured value with accessories, most of us have $10-15K worth of accessories they won't like.
Agreed value includes all modifications and accessories fitted to the vehicle.
One thing I noticed in the PDS. NRMA will pay the agreed value nominated on your certificate of insurance. Coles will pay up to the agreed value
-
Think I'll stick with my insurance company , after all we dont go to Coles or Woolies if we really want a Dentist or a Doctor when sick or in need of dental care why would you insure your car with a grocery shop ?
Not yet!
-
Think I'll stick with my insurance company , after all we dont go to Coles or Woolies if we really want a Dentist or a Doctor when sick or in need of dental care why would you insure your car with a grocery shop ?
Well, coles is owned by wesfarmers so it was only a matter of time before something like this happened. Wesfarmers insurance is no backyard insurance company either
-
Just tried an online quote,
"Sorry for the interruption, we can help you better by phone" or words to that effect,
Won't let me copy & paste the text.
???
-
Just tried an online quote,
"Sorry for the interruption, we can help you better by phone" or words to that effect,
Won't let me copy & paste the text.
thats what your keyboard is for :) ;D
-
thats what your keyboard is for :) ;D
So are you telling me it's not a pillow?
Well there you go ???
:cheers:
-
well get this, just rang them for a quote as I got that "error" message on line. They will not insure vehicles with a computer chip fitted ???, no ifs no buts, steadfast will not insure you. If however if I remove it, the quote was $570 vs $1,109 for my current insurer for the same value.
Guess what I will be removing ;)
-
Well, I got to fill out the online forms
Coles $1187.00 Vs GIO $887 Full comprehensive. ???
Coles Agreed Value of $17,890 with extras.
GIO Agreed Value of $23.000 with extras
I'll be sticking with GIO thanks.
:cheers:
-
I've had no mainstream insurance company come even close to insuring my troll because it has had a body chop and they refuse to cover modified vehicles full stop. so I had to go to a specialist insurer (Australian 4wd insurance) they where the only ones that would offer coverage. so I have my doubts as to whether they will cover me :'( I pay $38 a month with full comp windscreen and all accessories choice of repairer and 1st option to by back if it's written off. but I'll do the exercises just for my own piece of mind.
troy
-
yep, just called them, and the response.......................................................... surprise surprise
sorry we can't offer you cover :o ::)
troy
-
With what mine is covered for I could recieve a payout and purchase another one 2nd hand. I did buy mine new. With the $$ they have offered including accessories I could find one. The overall cost of mine has dropped a fair bit from new.
I'm realistic and understand that you can't cover all the cost plus time in building up a 4WD, it's just the way of the world.
-
There is a loop hole. i am currently insured with GIO, when its time to renew, ph them and CANCEL it.
then phone back or get online and redo policy. saves you 10%
its ok to pay less on policy, but remember your payout will be less.
our GIO policy has my nissan insured for 37000. i pay 900/yr.
its cheaper to do it that way rather than list all mods.
Cheers
-
A lot of insurance companies give you a first year honeymoon quote and the second year the premiums go up. They hope that you just pay the renewal automatically as a lot of people do. You can save by ringing them and telling them your not happy with the new quote and they will find a way to get a discount.
-
I do the same each year when I receive the renewal from GIO. I get an on-line quote which is usually 10-15% less, print it off then ring them up, give them the quote number and they renew at the reduced premium. Sometimes they even take a bit more off when they see that I have all my policies with them. It's money for jam and beats changing insurance companies each year.
-
Just got off the phone with Coles Insurance and I won't be insuring with them regardless of price. They will only cover factory and/or dealer fitted accessories in instance of a market value policy, or in the instance of an agreed value policy, they will only cover up to the maximum amount as agreed, which may or may not cover the accessories, in my case they don't go anywhere near covering the accessories.
The maximum they will do an agreed value for a 1993 80 series petrol Land Cruiser is a little over $11k, which doesn't cover the $7k of accessories fitted to the vehicle, and only just covers the value of vehicle itself.
Just something for the folks that went with Coles insurance to consider.
-
Online quote for my 95 GQ = $399
Add my son as driver (got his Ls on Friday) = $1501
Don't think so...
-
Online quote for my 95 GQ = $399
Add my son as driver (got his Ls on Friday) = $1501
Don't think so...
many of them will do this though.
Like offroaddave, the accessories are the killer for me with them.
-
My 07 Dual Cab SR5 D4D Market Value Full Comp
Plus $ 13,000 Extras
with RACQ $ 540.21
That'll do me
Cheers :cheers:
Frank
-
My 07 Dual Cab SR5 D4D Market Value Full Comp
Plus $ 13,000 Extras
with RACQ $ 540.21
That'll do me
Cheers :cheers:
Frank
That is pretty good.
I had a quote yesterday for my LX470: RACWA $1050
Then DGA had $925, AAMI $630.
Big differences.
-
Well jeez, now I don't know what to do, just rang DGA to add a $1400 roof rack to the policy before renewing, "Sure sir we can add that for you, that will be another $260 and some cents please", WTF! That takes it to $1040 per year for insurance, I didn't pay that amount when I was 18 for cryin out loud.
Now I'm thinking do I just go with the cheap Coles insurance and take the risk on accessories myself, because $260 extra for another $1400 cover is a rip off. >:(
-
You guys are doing everything the hard way...
Shoot your details off to a couple of general insurance brokers (making sure to include your 'extras'). Let them do the hard work for you. They'll know the policies they're flogging (well, they should do, hence why I suggest using a couple of them for quotes).
Quotes will vary between insurers, but cheapest isn't the best thing with insurance...
LJ
-
Try these guys http://www.affinityib.com.au/request-a-quote/
-
You guys are doing everything the hard way...
Shoot your details off to a couple of general insurance brokers (making sure to include your 'extras'). Let them do the hard work for you. They'll know the policies they're flogging (well, they should do, hence why I suggest using a couple of them for quotes).
Quotes will vary between insurers, but cheapest isn't the best thing with insurance...
LJ
They don't have access to all insurance companies & why pay someone $50.00 when you can do it yourself
-
They don't have access to all insurance companies
Yeah true, hence why get a couple of brokers going at once. Make sure they let you know who they use.
why pay someone $50.00 when you can do it yourself
Stay away from these guys... they are lots of brokers who don't charge anything extra on top of your premium
Also an extra benefit of using a broker, is that come claim time, the brokers can help with the claim, and are on your side especially if it's disputed.
Insurers don't like to have unhappy brokers who have a big 'book' of business with them (= business gets written with someone else in future!)
LJ
-
Well jeez, now I don't know what to do, just rang DGA to add a $1400 roof rack to the policy before renewing, "Sure sir we can add that for you, that will be another $260 and some cents please", WTF! That takes it to $1040 per year for insurance, I didn't pay that amount when I was 18 for cryin out loud.
yea, but back then, your insurance went down yearly too with no claim bonus'.. not up every year even if you havent claimed in 20yrs.
Now I'm thinking do I just go with the cheap Coles insurance and take the risk on accessories myself, because $260 extra for another $1400 cover is a rip off. >:(
Call back and ask another person there, the answer will be different. DGA have always been expensive for me for some reason.
we had an insurance broker in my old club hes a wheeler, worth trying I suppose
Eddi at OL is with one of the insurance companies that begin with "A" - when he had an accident, they told him to arrange his own tow truck, and take that amount out of your excess...
As said, insurance is something you want to work seemlessly when you need it... it may not be every year though
-
Try these guys http://www.affinityib.com.au/request-a-quote/
I did, about $150 more than DGA. :-[
-
I did, about $150 more than DGA. :-[
I just send off a request.
See what they say.
Also requested one from TCIS.
-
As someone who used to work in the insurance industry, experience has shown that settling claims is quite an emotional experience and the way to avoid these stresses is to make sure you are insured correctly in the first place. My advice is to find yourself a good agent or broker (such as the ones that specialize in 4WDs). They will handle all dealings with the insurer for you, and in most cases have had a long term relationship with the insurer and can use this to your advantage in negotiating premiums, claims, disputes, etc. Yes a direct insurer will often be cheaper but the hassles of dealing with them and trying to understand their policies, etc may cost you more in the long run.
Saving $400 now might not seem that good a deal if it costs you $1000s in the event of a claim.
One other bit of advice - always get it in writing. If your insurer says they will cover your accessories, or your vehicle whilst out 4WDing and not on public roads, etc make sure that they put this in writing to you and preferably as a notation on your schedule.
-
Well I went with DGA again, after tweaking excesses and agreed values of the cheaper options to make them comparable, the difference between DGA and the cheaper options was back under $200 so for the extra anywhere in Aus cover I can justify the extra expense.
Still can't help feeling touched up when insuring something worth 18k costs the same as insuring something 3 times the price.
-
Still can't help feeling touched up when insuring something worth 18k costs the same as insuring something 3 times the price.
dont forget, the older it is the more it costs to insure... Go work that out... I cant.
-
TCIS came back: $1020
-
LX470:
RACWA $1050
TCIS $1020
DGA $925,
AAMI $630.
Out of those 3, I'd go DGA.. as said, cheap is not always good