Insurance

[Badger_01]

So whos with what insurance company, how much is your VR4 insured for and whats your vehicle value? Did you get a professional valuation?

I want to know so if anything bad happens to my car again (god I hope not) that I don't get screwed over form some assessor saying that my car is worth f*ck all.

[Bender]

I'm AA Insurance with the car being agreed value of $5000(Meant to be $6000) with $1500 for accessories limit on full cover.. Haven't had professional valuation done on mine, They said agreed value was this and I said want agreed value at that.

Since mine off the road for a while, Have taken my cover down to third party, fire and theft, Once it running again it all be full cover with agreed value being alot more.

[kiwigalant]

Club Auto, agreed value of $3500 and never been assessed. Third Party Fire/Theft, roughly $35 a month.

[Adam.Findlay]

CarSure
http://carsure.co.nz/

insured for $7500 (car purchase value plus modifications), Full insurance costs me $880/year (~74/Month)

[Shehan]

Insured with State for $4000 full. Paying $44 a month

[CANDEE]

Mine is with AMI(agreed value) and I just go to a local respected car yard and get a market valuation done and take that to them if the value is too low.

They then update it and that goes on file.

I currently have the car on storage insurance, so its covered if there if its stolen out of the garage, fire, if its on a trailer/truck getting work done. Pay $8 a month for 8k coverage.

When i get the car back on the road, ill get a proper valuation done with photos etc to get it insured for the right value, think its about $100 to get this done.

[Badger_01]

Hmmm well considering the amount Im forking out to get the car back on the road I'll probably make a list of all the modifications, state the fact that the car is a Super VR4 and I'll get a proper valuation done on it.

[SEAN-NZ]

I'm with state for 2 cars, white pfl legnum vr4, 6k agreed, $27 a fortnight, blue legnum vr4, insured with nac because it has to many mods for state, insured for 7.5k non agreed, 42 a fortnight, both full comprehensive, with everything, windscreen extension, breakdown cover or whatever it's called lol

[Jnic0]

Club Auto, agreed value of $3500 and never been assessed. Third Party Fire/Theft, roughly $35 a month.

Does Club Auto do agreed value?

I am 19 and with them, mine is insured for 5.5k market value. @1.1k premiums a year. Can't wait till I'm 21 and go back to State to get around 500 per year.

[kiwigalant]

Does Club Auto do agreed value?

I am 19 and with them, mine is insured for 5.5k market value. @1.1k premiums a year. Can't wait till I'm 21 and go back to State to get around 500 per year.

I'm pretty sure I read somewhere that they only do agreed value, maybe I'm wrong or its changed since you signed up? I think I tried with state but they said no because of my age and it being a turbo car.

[mattnz]

State immediately cancelled my insurance because the modifications were worth more than 20% of the car. It was a while ago, I don't know if they have had a change of policy since then.

[kiwigalant]

Does Club Auto do agreed value?

I am 19 and with them, mine is insured for 5.5k market value. @1.1k premiums a year. Can't wait till I'm 21 and go back to State to get around 500 per year.

Woops I was wrong. Just looked at my emails from them and it is in fact market value. Now I don't know who to use for my new Legnum I'm getting.

[Tony_T]

Both mine are with Tower but only third party, fire and theft as the premiums were going to be astronomical for any better than that as they describe Legnum VR-4's as 'high theft cars' despite a recent article in our local paper listing the most stolen cars and there wasn't a Mitsubishi in the list. And they'll only pay what they consider market value, which is rather hard to assess when the car's smashed up so is probably near zilch anyway.
Those folks with State, has it changed recently? I have always thought of State insurance as the insurance you have when in reality you have none as they will always find a way out of accepting any claim.

[Jnic0]

Woops I was wrong. Just looked at my emails from them and it is in fact market value. Now I don't know who to use for my new Legnum I'm getting.

How old are you? I do recommend State.



Both mine are with Tower but only third party, fire and theft as the premiums were going to be astronomical for any better than that as they describe Legnum VR-4's as 'high theft cars' despite a recent article in our local paper listing the most stolen cars and there wasn't a Mitsubishi in the list. And they'll only pay what they consider market value, which is rather hard to assess when the car's smashed up so is probably near zilch anyway.
Those folks with State, has it changed recently? I have always thought of State insurance as the insurance you have when in reality you have none as they will always find a way out of accepting any claim.

I've had a fairly good experience with them. Car was recently stolen and too smashed up for repair. I told them all the modifications except forgot tinted windows. They paid out within a week and gave a refund of my premium after a month.

[kiwigalant]

How old are you? I do recommend State.

I'm 21. Pretty sure I tried State with my PFL :(

[Badger_01]

Us under 25s have a pretty hard time when it comes to insurance and turbo vehicles lol

[kiwigalant]

Yeah tell me about it lol, got just over 3 more years of it :(

[CANDEE]

I had insurance on my old leggie with State & BNZ when I was under 25... Depends on history etc..

[Jnic0]

Yeah tell me about it lol, got just over 3 more years of it :(


Really? Try again online. They'll do me only once i turn 21 full cover for 626 at 6.5k value. I'm with club auto right now as im 19. They've already paid out one of my write offs previously.

[Badger_01]

I just did the online quote with state and damn thats cheap, full comprehensive with a couple of added things and to have the car insured for 8k it came out to $600 and something for a year.

Hmmm

[wintertidenz]

State's prices have dropped a fair bit. I'm paying about $700 a year with all declared mods, but have to wait for renewal time because I had the wife on there (under 25).

Sadly enough if she crashed a car it would have been cheaper to crash the VR4 than my work car (commercial insurance) as the excess on that was over $1000.

[Subaru ETA]

I'm with AMI. Have 3 cars house and contents with them. $45 a month for the corvette, $40 for the airtrek (which is turbo) and $30 odd for the 626