Insurance!

[Subaru ETA]

Just a question for the kiwis, what insurane co. you guywith and howmuch you pay?
AVOID NZI!!! pack of dicks! were charging me $1650 a year on my legnum str when i was 20-21 and thats with a no claims bonus of 65%!
when buying my vr4 at the age of 21 they had quoted me $1800 a year and after paying my deposit thy declined me!!!!
now with pioneer insurance paying about $1000 a year! with $600 excess!:2thumbsup
so yeah especially for the under 25's, what you paying?

[Gly]

im 25 and have 0 no claims bonus,

my car is a 25st, with a few mods,
all decleared,

i have a very poor driving history!

im with Mobile insurance consultants,

car is insured for $12,000 with a $500 excess, and $100 glass excess.

$71 paid monthly,

(this is less than the last place i was with $92pm and i had a 40% no claims)

[Rossco Type-S]

When I was 24 and on restricted I was paying about $570 a year for a modified VR4 with 5 star alarm (all known mods disclosed), excess was $1500.

Now I am 25 and on a full I pay $450, excess $300.

Am with BNZ (IAG), I get a package discount for having house and contents with them as well.

[Lucas]

car is insured for $12,000 with a $500 excess, and $100 glass excess.

$71 paid monthly,

(this is less than the last place i was with $92pm and i had a 40% no claims)

/Grrr

I also have a 25ST insured through State.
Insured for $10,000
50% no claims bonus
includes windscreen extension of $34.50
Supposedly I also have a further discount as noone else under 25 drives my car.
4 (5?) star alarm Dynatron D3800

Declared mods include lowering, mags and muffler

My total is $102 monthly and I don't actually know my excess

Think I need to change insurance companies!

[mpau009]

Sounds like you were getting ripped off a bit. at 19 my STR was about 1500 (on12.5k) with the standard under 20 massive excess. My VR4 is insured for a couple grand more, about a month before my 21st, for $1100 With no claims from my end (two from other people tho.) which still isnt great but it only changed slightly when upgrading to the turbo... which is just bizarre

The main thing iv noticed is to keep hassling them, otherwise they just take advantage - i make sure every year that i am getting the best out of them and have switched at least once.

[bradc]

My VR-4 is $2300 per year, but that is insured at $25k (mods and value of car) My excess is really low at $250 and I don't have an alarm or my full license yet.

An alarm will drop it by about $500 (makes it worth doing) and my full license will drop it by another $300, sounds like I need to get a few things done :) Thats with Pioneer.

[Gly]

you dont even have the car :P so you dont count :P

[ShadyNZer]

$40 a week for me, 23 with a restricted.....VR4 and some mods...my missus set it up for me thru her mate at lumley or some place lol i have no idea but i think its for $15k

[StunEm]

Hey im 24 and own legnum VR4 ($11000 Valued)
Insured with AMI (great bunch of people) for about $70 a month ($800ish a year) excess $500.

No Alarm at moment, Not parked in garage. real cheap compared to GTR familia i had at $1500 a year with 60% no claims bonus.

I think i have had a car long enough without any claims to make it cheaper for me to insure, will drop to about $600 a year when i hit 25.

[flyboy]

When I was 24 and on restricted I was paying about $570 a year for a modified VR4 with 5 star alarm (all known mods disclosed), excess was $1500.

Now I am 25 and on a full I pay $450, excess $300.

Am with BNZ (IAG), I get a package discount for having house and contents with them as well.

How are BNZ with mods dude?

[jaimz]

StunEm and Rossco, your deals are MEGA good!! :o

I noticed you both live in Dunedin... I wonder how much influence the city has on things, and whether us Aucklanders could even get a similar deal...

[You See]

you dont even have the car :P so you dont count :P
/haz

[Lucas]

I noticed you both live in Dunedin... I wonder how much influence the city has on things, and whether us Aucklanders could even get a similar deal...

I know that insurance costs can be affected alot just by moving around different areas in Auckland. I used to live in Birkdale but when I moved to Glenfield they put my insurance premiums up by a fair bit. A bit strange considering I was in a carport in Birkdale which seemed a much more dodgy area and now I am in a secure garage in a much nicer area.

Technically I'm in Hillcrest so maybe I should see how that goes! ;)

[Rossco Type-S]

How are BNZ with mods dude?

All they were concerned about was the value of the mods and how that affected the value of the car.

[Rossco Type-S]

StunEm and Rossco, your deals are MEGA good!! :o

I noticed you both live in Dunedin... I wonder how much influence the city has on things, and whether us Aucklanders could even get a similar deal...


Don't know if it does...when I insured the first one they said that they wouldn't cover it for theft without a 5 star alarm. Car theft really isn't a big problem down here. Strangely, they didn't say that when I insured my new one.

[StunEm]

I noticed you both live in Dunedin... I wonder how much influence the city has on things, and whether us Aucklanders could even get a similar deal...

Yeah, Its where you live counts, Crime down here for cars being nicked is quite small. Doesnt matter if my car in garage or on street, AMI just give me low rates.
We dont have all those thieving bastards down here.