ANY ONE HERE WITH "JUST CAR INSURANCE "

cthawes · Post by **cthawes** » June 16th, 2008, 6:56 pm

HAY AS THE TOPIC READS JUST WANTING TO KNOW IF ANYONE HERE IS WITH OR WAS WITH JUST CAR INSURANCE AND MADE A CLAIM AND WHAT WAS THE OUTCOME ONLY ASKING BECAUSE IM NOT HAVING ANY LUCK FINDING A PLACE THAT WILL INSURE MY ARISTO
THANKS

John_LS1 · Post by **John_LS1** » June 16th, 2008, 6:59 pm

whats an aristo? ive got just car insurance, did it all online. was rather easy. maybe try shannons if its a rare car.

XRated · Post by **XRated** » June 16th, 2008, 7:03 pm

2JZ twin turbo sedan.

cthawes · Post by **cthawes** » June 16th, 2008, 7:11 pm

sorry it is a toyota aristo witch is a 4 door sedan 3 lt twin turbo based on the gen 1 lexus gs300 i tryed shannons they have no idea what it is as well

Post by **back2back** » June 16th, 2008, 7:12 pm

Hay, I use Just Car third party. Havent had to file a claim but they've taken down the small number of modifications I've got/going to get done with no problems. At $350/year, it's fairly cheap too

Post by **Commando** » June 16th, 2008, 7:40 pm

Read the fine print VERY CAREFULLY.

If you have a modified car with mods considered illegal and/or unroadworthy, they won't cover in in the event of an accident. Even if they say "here is a quote from us

" after you've filled out their basic online quote form.

I got a quote from Just Car, $190/yr for a supercharged V8. Yes, one hundred and ninety dollars. However, the fine print said that if the car had any illegal/unroadworthy modifications, the insurance contract would be void (despite me checking all the mod boxes).

Shannons quoted me $550/yr, and their policy states that they WILL cover a car with unroadworthy/illegal modifications, AS LONG AS the unroadworthy/illegal modification did not cause or significantly contribute to the claim.

To borrow an example from a similar thread on fordmods:

* Your car has wheel spacers, and a wheel shears off while you're turning a corner & you plough into a BMW. BUP BOW, not covered.
* Your car has a backyard turbo setup, but you crash due to ignoring a red light. The turbo setup wasn't the cause here, it was driver error, so you're covered in this case.

holmsy · Post by **holmsy** » June 16th, 2008, 7:50 pm

im with justcar. with both my cars. they are good in that you can have as many mods as you want but havent made a claim so dunno how will go. only thing on mine they could pick on as illegal is the ride height.
paying from memory about 550 on the ed and 620 on the xr8. third party fire and theft. is only so high cause im 19

Dansedgli · Post by **Dansedgli** » June 16th, 2008, 7:50 pm

Are you over 25 Dave?

Shannons wouldnt touch me with that AU I had. Bastards!!

Post by **Commando** » June 16th, 2008, 7:58 pm

I'm a pedo (26)

They're more than happy to insure the EB, and that was with me being 110% honest about what's done to it/being done to it, no exceptions

cthawes · Post by **cthawes** » June 16th, 2008, 7:59 pm

yeah thats what i was thinking u get what u pay for but the problem is because this car is not on there stupid computer they just say no
these cars have only been added to the sevs list a few months ago

holmsy · Post by **holmsy** » June 16th, 2008, 8:01 pm

surely shannons would help ya out. they are the ones that claim they specialize in rare cars n shit

FTE146 · Post by **FTE146** » June 16th, 2008, 8:12 pm

i am.

you will get insurance.

best thing is to call and speak to a person there cos cars can be manually done on there if it's not saved on the database

Tocchi · Post by **Tocchi** » June 16th, 2008, 8:53 pm

go to an insurance broker... it costs around $80 and they will find the best insurance company for you

i did that, and my FG XR8 is costing me $2125 premium, $250 excess + $600 age exess (im 21)

markTD · Post by **markTD** » June 16th, 2008, 11:45 pm

I am with Just Car and have no hassles with them. I pay $480 for the EB and $1100 for the LTD coz its a V8 and I am under 25 but for Full Rating 1 its pretty damn cheap and I have not had to make a claim as yet but i am happy with them

EF ECTIV · Post by **EF ECTIV** » June 17th, 2008, 12:18 am

Im with shannons... costs a fortune but the agreed value is pretty killer..... Like was earlier said they're happy with any
mods done as long as its legal.... gay but true... luckily was turbo setup is all legal and fine.... Shannons have been
sweet when Ive had to deal with them...

Frost · Post by **Frost** » June 17th, 2008, 7:36 am

Im with Westfarmers federation Insurance, I have my 19s, extractors, manual and exzorst listed. $500 dollars full comp and im a rating 3. Also car is insured for a 6k agreed value

Barnsy · Post by **Barnsy** » June 17th, 2008, 11:21 am

I'm with just cars, agreed value $6500, rating 1 pay around $720 full comp, all mods are listed

lukeh · Post by **lukeh** » June 17th, 2008, 11:32 am

JustCars here aswell, 8k agreed value and i pay $1500 full comp with mods listed.
Not as cheap as some of you blokes but i think being 19 has alot to do with it unfortunately

Steady · Post by **Steady** » June 17th, 2008, 12:10 pm

I'm with JustCar for both of mine.
Shannons won't touch anyone with under 5 years driving experience, I've tried 3 times to insure the sprint with them, they only told me that the last time I rang

Previous 2 excuses were car was on banned list for P-Platers, and 2nd was telling me I was a dreamer for wanting an agreed value of more then 7k.
Arsehole straight up lied to me on the phone, reckoned some bloke he knew couldn't sell his immaculate red Sprint for 6k.

By comparison, everytime I ring JustCar I get a nice sounding chick.
Last one was AAAA++++ helpful and flirty, highly recommended.

Paying about 1800 for both cars (each), from memory

Sprint insured for 12k
F6 for 50k
22 years old, rating 2.

Never made a claim though.

EL2XR8 wrote:best thing is to call and speak to a person there cos cars can be manually done on there if it's not saved on the database

I'm with Adz this, I always get better value when I ring them up, compared to what the internet quote says.

Aristo will be expensive I bet...

eb-baby · Post by **eb-baby** » June 17th, 2008, 12:27 pm

Well i went throught the internet quote with Just Car n i got an email not long after i finished it saying i dont qualify for insurance because the "damage" on my car is outside their guidelines and uninsurable or something.

bit of explanation....i have 2 dents on my car.....
both dents small...both due to carelessness...not on my part. One was from my brother leaving tools sitting in the engine bay and my bonnet doesnt stay up of its own accord and unfortunately came crashing down leaving a dent facing outwards...and the other being my dad reversing into my car with his truck...small scratches on left side mirror with a small dent just in front.......obviously travelling very slowly...

any got any ideas how this is so uninsurable?

Steady · Post by **Steady** » June 17th, 2008, 12:43 pm

You told them it had pre existing damage on your online quote obviously.

Allen · Post by **Allen** » June 17th, 2008, 1:13 pm

Steady the MARTYR! wrote:Shannons won't touch anyone with under 5 years driving experience, I've tried 3 times to insure the sprint with them, they only told me that the last time I rang
Previous 2 excuses were car was on banned list for P-Platers, and 2nd was telling me I was a dreamer for wanting an agreed value of more then 7k.
Arsehole straight up lied to me on the phone, reckoned some bloke he knew couldn't sell his immaculate red Sprint for 6k.

I've got Shannons full comp on both my cars, and I was 20 when I signed up with them. Even got $8,000 agreed value on the NF, which is shitloads more than its worth.

Its costing me $215 a month for both cars with full comp. I suppose it depends on who you get when you call them...

In saying that, I'm not really in a position where I can afford full comp anymore, so I'm going to AAMI for 3rd party on both cars for $90 a month.

And yeah, I considered doing an insurance job on the NF lol

eb-baby · Post by **eb-baby** » June 17th, 2008, 2:01 pm

Steady the MARTYR! wrote:You told them it had pre existing damage on your online quote obviously.

Yeah i did...it asked i told....but even then i dont see how 2 small dents can make in uninsurable....its not as though its missing panels or been bashed to bits....its been taken good care of and is in damn good condition...

Steady · Post by **Steady** » June 17th, 2008, 2:14 pm

Yeah but the little box you ticked doesn't know that

You'll have to ring them.
Online quotes are great for cars that a fairly standard.
They don't work so well for anything 'different'.

EL XR8 · Post by **EL XR8** » June 17th, 2008, 3:04 pm

Jared, you have had more than 5 years driving experience! LOL
They'll accept that you were driving from the time your were 16.
I'm with Shannons, but they pissed me off last renewal.

I only had the XR valued at 20k, they then dropped it to 17.5k. I told them to get fucked cause i had an agreed value and didn't want it to change for a few years. Then they go, but we dropped ur monthly premium by like $10. I went up another rating, and they drop the value of the car, then save me $120 a year on a about an $1800 policy.

I'm kinda getting over them...

Steady · Post by **Steady** » June 17th, 2008, 3:09 pm

Nah they won't dave, I had the talk with the kunt on the other end.
I reckon they are just kunts though, they only want to insure old fckwits in XY GT replicas and MGs.
Tally hoe pip, lets go for a drive and get some tea and all that poofy sht.

Gunns · Post by **Gunns** » June 17th, 2008, 3:47 pm

I am with Shannons. 27 years old - agreed value of 12K with all the mods listed, $80 per month with $400 excess.

toucand · Post by **toucand** » June 17th, 2008, 5:59 pm

Gunns wrote:I am with Shannons. 27 years old - agreed value of 12K with all the mods listed, $80 per month with $400 excess.

If you people can't make a sentence without profanities then I suggest you use the kids computer which doesn't send messages just talk to yourself.

AaronEF8 · Post by **AaronEF8** » June 17th, 2008, 6:15 pm

JustCar are covered by AAMI aren't they? Does that mean they're a total fuckaround when it comes to making a claim, and if you need to have panel work done, you have to shop around for somewhere that will actually accept work from AAMI?

Dansedgli · Post by **Dansedgli** » June 17th, 2008, 6:19 pm

toucand wrote:
Gunns wrote:I am with Shannons. 27 years old - agreed value of 12K with all the mods listed, $80 per month with $400 excess.
If you people can't make a sentence without profanities then I suggest you use the kids computer which doesn't send messages just talk to yourself.

http://www.fordforums.com.au is where you should go. They dont swear there.

wicksy · Post by **wicksy** » June 17th, 2008, 6:24 pm

yeh insurance companies, wont touch me, just cars want $2200 a year and get this excess is $2500....what a load of shit,only becuase of my fines and what not, so i got to wait until my licence clears up a little bit.

AaronEF8 · Post by **AaronEF8** » June 17th, 2008, 6:26 pm

Perhaps we need to add to the T&C that there may be swearing on this forum and people under 15 should seek parental advisory?

Gunns · Post by **Gunns** » June 17th, 2008, 6:42 pm

toucand wrote:
Gunns wrote:I am with Shannons. 27 years old - agreed value of 12K with all the mods listed, $80 per month with $400 excess.
If you people can't make a sentence without profanities then I suggest you use the kids computer which doesn't send messages just talk to yourself.

Hey cock sucker, where the fu(k did I swear in the above sentance, you dumb fu(k!

Steady · Post by **Steady** » June 17th, 2008, 7:41 pm

Heck Al, calm it down a bit mate, kids could be reading this.

FTE146 · Post by **FTE146** » June 17th, 2008, 8:18 pm

AaronEF8 wrote:JustCar are covered by AAMI aren't they? Does that mean they're a total fuckaround when it comes to making a claim, and if you need to have panel work done, you have to shop around for somewhere that will actually accept work from AAMI?

not neccesarily.
a lot of Just cars recommended repairers are going to be panel shops which can do repairs on imports which may require parts coming in from OS.
As aami dont do imports (or rarely do) they may not neccesarily be the same repairers.

Post by **Commando** » June 17th, 2008, 8:51 pm

AaronEF8 wrote:Perhaps we need to add to the T&C that there may be swearing on this forum and people under 15 should seek parental advisory?

Bylaws & Constitution are being created as we speak. I assure you a lot of things are happening behind the scenes!

It'll cost you $10 to access this area soon.

EL XR8 · Post by **EL XR8** » June 17th, 2008, 9:01 pm

The only tihng i found with Just Cars was they wouldn''t insure my car for anywhere near what i wanted to insure it for.
No if's, buts or maybe's.
Plus they made my excess to over 3k
$450 normal excess
$400 over 21 but under 25 age excess
$400 modified car exces
$400 Stereo excess
$600 Wheel excess
and then get this.. a $400 excess cause there were a lot of claims on XR8's at the time.

So i told them to get fucked very quickly

AaronEF8 · Post by **AaronEF8** » June 17th, 2008, 9:43 pm

not neccesarily.
a lot of Just cars recommended repairers are going to be panel shops which can do repairs on imports which may require parts coming in from OS.
As aami dont do imports (or rarely do) they may not neccesarily be the same repairers.

The problem is AAMI will try to get out of paying you out, or try to pay you the smallest amount possible. They often take over 3 months to pay their bills to crash repairers, so most panel shops won't touch their work. AAMI usually allow choice of repairers too, but yeah, as I said, you're pretty much limited to the big panel shops with low overheads.

With JustCars being underwritten by them, I wonder if the same problems occur.

Malakai · Post by **Malakai** » June 17th, 2008, 9:44 pm

You have an Aristo??? Nice

Frost · Post by **Frost** » June 17th, 2008, 11:43 pm

AAMI are shit.

Our work Navaras were insured through them, when I become the 90% driver on the Navara being at 22 insurance when from $600 Full comp to $1300, WFI (who I use for my EF and Public Liability and Home Contents) are underwritten by themselfs Westfarmers Corp (who own coles or someshit) WFI is $600. And We get a massive discount now like 30% now, cause have like 8 insurance policy's with them.

As for AAMI repairs, if you dont use an approved repairer (as with most insurance companies) they send you a cheque and wont certify the work.

But as for Justcars same issue as AAMI peeps. Unless someone can correct me on this AAMI send out there own assessors who talk panel beaters down on price to fix. And RACV, GIO, CGU, Alliance and other various company's use RACV assessors or a subsidery. My Bro inlaws dad is an RACV assessor and he assessed my XR6 when it was totalled