AAMI vs NRMA!

[NUTTTR]

I'm currently with NRMA, one claim (against me recently), stereo for $3K, mags for $2K, grill, eyelids covered....
Car complete loss $31K cover
Renewal quote $1847
Excess $850

Rang AAMI just to see what it would be......
If car is complete loss (i.e stolen and gone forever... unlikely, but it could happen) $27200 worth of cover
If stereo gets stolen, covered for $3K value
if mags, covered for $1.5K value
grill, eyelids, etc, all covered too
New Quote $947
Excess $1050


Hmmm........ i wonder what i should go for?!
Waiting for policy to arrive, should be here in few days so i can check it out to make sure it's ok....... but what a ****in joke the difference is!!!

[Jass]

Mate go for AAMI, my turbo was quote to be covered for an agreed value of 37k with mags, lowering and turbo timer. Premium $850.

[NUTTTR]

I'm just worried about lowering..... will they accept it if i lower the car 10mm more (i.e. 30mm from stock)??

[Jass]

u have to first find out what the stock height is. The 2.2 is much higher then the turbo from factory. You have to clear 100mm from any body panel from the ground. Lowering is fine as long as its legal height, its diferent for every car, check with the RTA for info on this. I have my car engineered so i have no problems with it.

[Anonymous]

try shannons insurance u will be surprised!
my corsa28k insured
with all the crap ive done to including all opel badges
$780 per year with 400 excess

[NUTTTR]

Damn....... not till i'm 25 :( no performance mods till then

[Jass]

Yeah should have told you that. AAMI dont insure under 25's :wink:

[NUTTTR]

Nah, they insure me........ just not for performance mods aparantly!

[sir-sri]

Depends on the car.

I am 22, tried for a GT Forester (Not till 25) WRX (Not till 30) but the Corsa SRi no probs...not really a "performance" car like the others, or a SRi Turbo though. (Sorry fellow Corsa owners :D )

Just Cars is underwritten by AAMI and do the performance stuff for younger drivers, give them a call. Price might not be nice, but they will insure you, including mods.

[NUTTTR]

I think i might just go with AAMI to be honest, i rang them back and they said up to 2 cosmetic mods (eyelids can be removed from policy as they are worth SFA in reality) and have the grill and rear muffler as a cosmetic mod (so long as it isn't bigger than the stock muffler then it's ok :D), mags as an accessory and stereo as an accessory, forgot to tell them about the tinted windows... oh well, in due time!!! I'd be stupid not to simply wait 1 year or so (she said if i have a good history with them they can exclude the under 25's thing for performance mods sometimes...) depending on history, claims, etc, see how it goes.......can always go back to NRMA and say "hey, i have a 70% NCB" next year :D

[kirssn]

AAMI will insure you for 3 modifications to your vehicle without an increase in premium and once you've hit those three, you'll find they wont cover any other mods. even if you're willing to pay an increased premium.

[NUTTTR]

Is that for any age??

[kirssn]

yep. no age restrictions. just gotta make sure the car is legal.

before i bought my astra, i had my director at the company i was working for then go through a whole heap of policy wordings for me and tell me which were best, i ended up with aami.

i'm lucky though, i know how the systems work and can get around them which is why i have 3 mods listed already and i've still got 2 more to go on which they are going to cover for me at no charge

[NUTTTR]

Damn..... wanna let me know? I only want 1 (if the muffler is counted 2) "performance mods"....... i want to put eibach springs on it.......
I've got other stuff covered, but nothing major.... How :D Please? PM me if you can it'd be greatly appreciated!

[anicorsa]

Are rims considered mods?
panel filter?

[NUTTTR]

accessories aparantly....... there's performance mods, cosmetic mods and accessories........
I'm hoping tinting is an accessory...... because i forgot to list it and have used up my so called mods......
I guess a panel filter would be a performance one, then again, you are replacing a stock item with one that works better.... so may not.... you'd have to prove it didn't improve the car's performance tho..... thats what they told me......
i was like "um, ok, how do i prove that?" she said "well, if it flows more air" i said "how do i know that" she said "is it bigger" i went "no" she said "well that should be ok then, but just make sure we get it approved by our supervisors first" rofl......

[sunny]

rear muffler as a cosmetic mod (so long as it isn't bigger than the stock muffler then it's ok :D)

is that so???

interested in changing to aami when i turn 21 ...

[RK]

AAMI told me to try JustCars instead.

[GAZ914]

In my opinion (from talking with panel beaters when I was in the auto trade), NRMA is better when claim time comes around. I have claimed twice with NRMA insurance and it has been simple and quick.

I have no direct AAMI claims experience.

Having said that, they wouldn't insure the Beep Beep with 17" wheels, so I switched to AAMI and the premium was cheaper - although the insured "total loss" was also less.

I hope I won't have to find out about "claim time".

[woody]

Hi all... I was with NRMA and when i bought the SRI they quoted me 2,400 and it's not ebven the turbo!! Which is strange cos when i got a quote for the turbo from tehm they gave me 65% No claims and a quote for 1,100. Wierd bunch.

I'm with AAMI and Pay only 849 for my premium which includes my wife who has been driving for less then two years.

For anyone who can't get insurance because of mods try "Just Car Insurance"

http://www.justcarinsurance.com.au/

They specialise in insurance for:

Drivers of high performance and modified cars
Drivers of privately imported second-hand cars
Drivers with no insurance history
Drivers with previous license suspensions
Drivers with less-than-perfect insurance history

Basically they let you have up to 12 mods with no effect on the policy AND they are a subsiduary of AAMI so you will should still get a better price than with NRMA.

Cheers

Woody

[woody]

OK Further to the last post:

AAMI told me when i got my quote that thet took the oldest drivers NCB and took the youngest drivers insurance/accident history adn combined these to make a quote.

Just got a quote from JCI and they take the youngest drivers history and NCB to create their quote - hence why their quote was twice what AAMI specified.

[NUTTTR]

Ah ok....... hmmm...... i haven't rung them yet, gonna wait for the aami policy to come in the mail. so far i'm happy with what they've offered (given the price point)

[Dee]

AAMI told me to try JustCars instead.

raj

"Just Car Insurance Agency Pty Ltd (ABN 41 050 238 563, AR 240432) is an authorised representative of, and fully underwritten by, Australian Associated Motor Insurers Limited (AAMI, AFS 238173)."

so AAMI get ur $$ anyway

[RK]

yup, Donna.
I didnt really wanna go with Just Cars.. so i just stuck with NRMA.

[Jass]

Problem with just cars is that there excess is way over the top, plus there agreed value on the car is always lower then say AAMI or NRMA.
I enquired with AAMI, $849 for my astra T with 70% no claim bonus. PLus three performance mods, lowering, unichip (if i was to put one in) and exhaust.

Things like tints, alloy wheels (as long as they are the same size as orginals) get counted as extras and not performance mods.

NRMA charged me 3k for been under 25, going to AAMI is a saving of $2151. Now tell me who can beat that.

Ill take AAMI any day thanks very much.

[P’¢¡šT]

AAMI won't allow lowering at all if your under 25. No exceptions.

[Jass]

I didn't think AAMI even covered under 25's at all.

Oh well iam happy with my premium quote :mrgreen:

[OPL-20T]

yep i got AAMI and if u got an SRi-T u cant be insured with AAMI at all, and AAMI allow any 3 mods as long as they are RTA/EPA legal, they dont care what mods u got or what combo but as long as it legal then your no probs,
that is why i got my exhaus and lowering engineered as well for insurance safety reasons. :)
AAMI is way cheaper as well.

[Jass]

U mean u can instead of u cant hahahaha

[kirssn]

guys and girls..........

aami will insure under 25 yrs old drivers!!!!

they will insure you with modifications as well if you are under 25.

3 is the max number of mods though.

i am under 25 with a 70% NCB thru AAMI and that is without my parents assistance.

and i know this because i work in the damn insurance industry and checked everything out before i got my astra.

[Jass]

However if you have a turbo vehicle they wont touch you if your under 25 :bang:

[sunny]

3 is the max number of mods though.

3 as in just performance mod alone or inclusive of cosmetic mod as well ie tinted windows, alloy, bodykit etc

[Jass]

Tints, dont count as modifications neither do change of wheels if they are the same as the originals and were dealer fitted. Its just added to the cost of the vehicle.
Modifications to the engine, suspension ect are counted as mods, dont know about bodykits and things like that u would have to check it out

[Dregger]

Sorry all peeps...but some things are wrong.....the best person you shoudl be talking to is ........ME! I work for AAMI! i worked in the Claims department for 18months.....so i know all the ins and outs and tricks fo the trade.....!!


frist thing....you guys are right about number of mods etc.

Just cars or JCI is underwritten by AAMI BUT not owned by AAMI. SO aami dont get money from policies written by JCI. AAMI and JCI are seperate companies owned by the Promina group.... slight difference....i know but i'm a perfectionist.

ANyway if you guys have any claims quesitons or policy question go ahead and ask.

BTW my car is lowered with Koni shocks aswell.....and i'm only 22 and obviously insured with AAMI. (there are tricks and loop holes to everything!) hell i go rating 1 (maximum NCB) when i was 20! and in vic you dont get ur licence till 18! u guys work it out.

[sunny]

dregger: a few questions

first question: 3 mods as in just performance mod alone (lowering, etc) or inclusive of cosmetic mod as well ie tinted windows, alloy, bodykit, muffler etc

second quesiton: is it possible to alter the amount insured? ie agreed value...

[Jass]

I thought insured value is worked on vehicle year and depreciation of the car hence you can up the level its covered for, you have to do this at the start of the policy.

Dregger can u confirm?

[em]

Well I can tell you what happens with your car when it reaches the panel shop...

Depending on who you are insured with will depend on who or where your car is fixed. NRMA rarely assess actual jobs (and when your told that the assessor is coming in the morning usually that is a lie) NRMA accept assessments via digital pictures, and therefore don’t usually see your car, now how easy is it to enhance or change a pic, very easy therefore in some cases your car is made to look worse so that the panel shop gets more money for the job. The old system of "cheapest quote wins" is rarely used anymore as there are insurance preferred panel shops... eg: all NRMA work (in a certain area) will go to one specific shop.

AAMI on the other hand assess all work and majority of work is assessed daily, when the insurance assessor goes into the workshop. However AAMI also have preferred shops to send their work to, and these shops don’t have to win quotes either, it is automatic selection.
The best thing about AAMI is they check the work before it goes to the customer because they have a 100% satisfaction guarantee and if the insurance company sends back a dodgy job then the customer gets there excess money back or something like that... (dregger to confirm this).

so the process of checking the work is different and therefore I can guarantee that AAMI work is heavily scrutinized before it goes back to the customer where as NRMA is not.
I have has experience with this when I has my car insured with NRMA, my ex had an accident in my Astra hitting a kangaroo and ripping out the motor, the panel damage was only on the bumper as the roo went straight under the car and into the motor. NRMA didn’t assess the job they took the car to the preferred shop, fixed it all up and then I got it back, except the bumper wasn’t colour matched and looked awful. So I sent it back to be fixed which took months, where as has an assessor actually looked at my car before it came back to me they would have noticed the difference and said repaint this...

Sorry for the long post......

I now insure with AAMI because they are cheaper, and they are ruthless at sending cars back to spray painters and panel beaters to do better jobs.
p.s AAMI also give you 10% off if you do a driver awareness program with them which was awesome, the program is free and then you get 10% off your premium....

[P’¢¡šT]

Do all insurance company prefer using second hand parts? I don't really have a problem with it if it's with refurbished panels 'cos you can't tell the difference, but a family once had a replaced headlight using second hand parts. The differance was very noticable (eg more yellow, wear and tear, dints, etc) if you looked at it.

[NUTTTR]

NRMA i've been told will use non-genuine or second hand parts if they are available, whereas AAMI while in warranty will use genuine/oem parts, outside warranty, new/reco'd oem/gen parts
Aaron
P.S. got the policy today :D

[NUTTTR]

I just spoke to AAMI... policy is paid for

Mags are cosmetic add on
Irmscher lights are accessories,
rear muffler accessory,
grill accessory.....
tinted windows... accessory.......

anyone picking up a pattern???
How do i make a set of springs an accessory??~!

[sunny]

How do i make a set of springs an accessory??~!

say its holden branded or GM branded lol

[sunny]

nuttr was there any limitation to mags apart from have to be meeting rta legal requirements?

[NUTTTR]

Sunny:
No.... If they are stock ones (as in ordered with the car) they were an accessory, if they were after market, she said so long as they are legal...

[Bob]

Hmm, sounds like NRMA is bending me over. Oh well.
You guys don't want to know what I pay for insurance! :roll:
But NRMA is a little bit flexible. They 'allowed' my 19 x 8's and insured them for $2000 without increasing my policy. They also said lowering my car would be ok, so long as it is to RTA specs :)

[journo]

Really interesting guys,

I am with NMRA for everything, I have no mods to my car but there is no limit to the accessories ie: rebadging (yet to be done but I checked anyway) factory accessories and mags etc etc...

On my bike, when I had it, they were fine with upgraded after market pipes (yes performance ones) upgraded suspension and engine mods (that happened before I bought it)...

I have always found quotes from NRMA cheeper than all others for me. Even when I wanted to insure a 2 seat 300zx twin turbo at age 21.

I've had no accident claims and am on a rating one (65% NCB).

I wonder if any of your problems come from the town you live in. Could that make the difference?

[NUTTTR]

Not my suburb, i live in a pretty safe area, and nothing's stolen from around here!