Bloody Insurance... (can't even mod)

[mr_sikma]

Hey,

I wanted to get my 04.5 Barina lowered with mags and thought i better run it past my insurance company first! I am with CGU at the moment. And i am 20 so that doesnt help!

They said I can only go 1" lower in height! And i can only go 1" bigger in mags, and 15's just wont cut it!!!

Also my gf asked about getting mags for her 2000 Lanos, which came with 14x5.5" mags standard. Her insurance company which is Allianz is a bit better and said she could have 17's but only 6" wide. I dont think they even make them in 17x6"? Also thats 3"s bigger than standard, which isnt even legal!

I then rang AAMI and as they go by how long you have been driving and not how long you have had insurance, i am a rating 2 there and not 5 like present, so its alot cheaper. But there catch with the mods is, under 25 you can only have 1 performance mod. And yes, mags are somehow performance! Doesnt matter if i put sports tyres on my stock rims, its the mags that make it go faster!!! Lowering is also performance, which i understand. I can have a bodykit and anything else visual though!

So does anyone here under 25 have mags and lowered their cars?

I know Just Cars will insure me with unlimited mods, but i want to pay by the month!

Thanks

[InSaNe^Sna1L]

AAMI do not do pay-by-the-month either. 6 months at best. I am a rating two with them and I am 24. Can't wait till my 25th. The cheapest insurance until I turn 35 or 40.

I have an exhaust on mine and was looking at getting mags too. I thought I would be able to though. RACQ is good but I guess they are only QLD. I am thinking of going back to them when I get my rating 1.

[InsaneAsylum]

switch to just cars

[Wattie]

im with nrma and hey said i can go as big as i want, as long as not wider than 7 inch and the offset was no bigger than 42 (i think), so i found 18x7s :)
from what i read on rta website, its legal as long as it doesnt foul the guards, change the rolling diameter or stick out wider than the guards.

[Mrs T]

Yeah i switched to just cars because after being a customer with NRMA for car insurance, home and contents and building insurance for over 5 years they wouldnt insure as 25year old female for a turbo with a turbo back exhaust. But i havent had any problems with just cars their customer service is great. I dont think i have waited anymore than 10 mins to talk to somebody whereas NRMA i can be on hold for more than half an hour. I am almost certain that Just Cars insure six monthly as well

[InSaNe^Sna1L]

exactly...so u can put 17s on your car as long as the wheels are paper thin :)

but unfortunately its up to insurance as to whether you can

[CJB]

I am sorry, but I have to ask, since I am with AAMI myself, how are you a rating 2 if you were with them when we are the same age? I started my insurance with them when I was 17, first got my licence, and Mum is a rating 1 for life so I started at a rating 6 not 7, and I have had an accident which bought me down, so I should be on a rating 4 but am on a rating 5... I am just wondering if there is some loop hole I have missed because I would love to have my premiums lower!

How AAMI work is your rating goes down each year from your first point of insurance, example... full comprehensive insurance at july 28 2004 on a rating 6, no accidents all year then come 28 July 2005 you would advance to a rating 5.

AAMI also base their ratings on your age, whether you are male (unfair I know) and whether you have had insurance before. These all factor into it.

I am unsure how you were told you would be a rating 2 with AAMI, because they don't put drivers under the age of 25 in that high of rating especially male ones. If your folks are with AAMI and have a lifetime rating 1, then yes you could start out at maybe a lower rating, but it would be a rating 5 or 6.

As for the wheels thing, AAMI told me the same story. One more mod they say and I have to go to Just Car Insurance, which I know is still AAMI, but they charge more... I had to get 15" wheels because of Bob Jane and their ways and AAMI's recommendation. I know some people say stuff it, put them on anyways who cares, but you do care if you crash the car, don't have time to put the original wheels on and lose out on a pay out.

As for lowering... just go the 1 inch lower I reckon... there are insurance companies that will allow you to do it, perhaps look into Just Car Insurance, I know they dont do the pay by the month thing you are looking for, but at least that way you are covered.

You really have me stumped on your AAMI talk though... and I really think all insurance companies need to do the pay by the month scheme. I even sometimes think rego should be paid monthly... but that would be too hard with the stickers and all... so my thought is you should be able to pay some into an account, you know with your bpay biller code etc and then come renewal time they either just send you the sticker or the remainder of what you owe. I know people say save, but sometimes it's not that easy. You save, something comes up, you spend...

[Wattie]

exactly...so u can put 17s on your car as long as the wheels are paper thin :)

but unfortunately its up to insurance as to whether you can

7inch wheels hold a 225 tyre and dont stick out. its the perfect size.
if you put 225 tryes on a 8inch rim, the rim sticks out further than the tyre, good for destroying rims on gutters, and easier for the tyre to roll off the rim if you drive ""aggressively""

[InSaNe^Sna1L]

I am a rating two and my housemate who is 6 months younger is a rating 1 both with AAMI. I had an accident so my rating went down. Doesnt matter wat age you are, it goes on driving history.

[CJB]

Yeah but when they first insure you, if you are under 25 and a male it makes a difference as to what rating they start you on!

[InSaNe^Sna1L]

my apologies you are correct. Some insurance companies don't care wat another company gives you...they just smack you with the lowest rating if you change to them.

[CJB]

I really don't have an understanding of all insurance companies, just AAMI because I have been fighting this with them ever since I joined them, and if I had it my way I would be with RACQ or NRMA.

But I know they really hit you hard if you are a male and under 25, it's in their clauses actually I think. I should read my policy. It covers it in there. Most of them are the same though, if you are a young male driver you have a calculated higher risk of being in an accident/causing an accident. Look, that dude in NSW who would be early 20's fell asleep at the wheel on new years eve and took the side of my car out!

I can't argue that it's unfair when things like that happen. But fatigue is a different story. Getting a little side tracked now.

[EL BURITO]

All i know is that "My dad" can do things to the corsa they wouldnt let me do as the 1st driver and i cant to jack to the Suzuki (not that dad would pay for things to be done to the Suzuki) cos thats insured in my name.
Sikma did u ask them if they would insure with the factory option 16's?? there answer might be intreasting. Have you tryed going to an Insurence broker thy gave us some good options (specaly when u got 5 vehicals to cover)??

[sammykkwok]

Im 23 on a rating 2 with AAMI for my car insurance, Got full body kit and spoiler and 18inch factory fitted alloy for the new astra H and I'm paying 579 bucks for my premium.

One way of lowering your premium is to go high on excess. ( I need to pay 1500 if I make a claim) But think about it, when will you really make a claim? I wouldn't make a claim unless my car is totalled or the repairing cost is more then 2000. So I reckon going as high as you can for the excess is the way to go for driver under 25 of age.

I was lucky AAMI insured me because anywhere I go, I need to pay at least 900 bucks for premium. But I nearly got rejected from AAMI because I have 2 "SO CALLED' modification.. (body kit and spoiler) but they somehow accepted me still. :P

IF you want mag wheels, get them factory fitted, the reason is because, AAMI only ask if you have alloy wheel factory fitted.. (the Astra H has 18inch option) and you will be covered without grouping the mag as a modification.

Sammy

[NUTTTR]

I'm 24, rating one, etc....
Lowered 45mm, 17" mags, changed rear muffler and costmetic mods.... i got the mags classed as an accessory as they are astra turbo mags, the guy understood my point and made the mags an accessory, then i could have lowering as a performance mod :) Doesn't matter anyway really, i'm 7mths from being 25, so i can probably get more than 1 performance mod if i wanted :)
Aaron

[InSaNe^Sna1L]

i tried to swing the full system exhaust as a fuel efficiany benefit as it would cost less fuel to run with a new system.....



needless to say they didn't buy it. Its down as a performance mod.

[beep beep sri]

racv insure me for now and everyone in vic i know. they are to my knowlege the cheapest in vic they let me have my exhaust sterio etc at a small increase in price and as far as i know 17's are not a problem either. and i was rating 1 at 24 years of age and thats with loosing my licence once for 6 months for a very very big speeding fine

[CateO]

I'm Wth AAMI and don't get me started on attemtping to 'pimp a ride' or at least make it look less of a 4wd. ONgoing Saga. I happened to one day speak to a 23 y/o chicky from AAMI who understood my dilemma. I had the same issue with the wheels and lowering being considered modifications, and I'm allowed 1 only (until 25). This chicky was super ideas woman and put my wheels and other lil mods under the 'accessories' department and loweing went under 'modification' allowing me all the prettiness in the world. If I could remember her damn name I'd let you know !!! Just don't talk to the fuddy duddies on there. They classify modifications as a 'rev heads' idea of total mutilation.

[pred8r]

Im with AAMI. I asked about mods to my SRi, the guy said 'Not a problem, you are out of the highrisk age group, if you were under 25 it would be different"

I WAS with Allianz (Can i go wide wheels? Nope, ok, Bye!) now because of their narrowmindedness now im $400/yr better off insurancewise, Thankyou Allianz!

Mr Sikma and anyone else, trade your car on an SRi, its low, has the wheels, looks hot, goes like stink, and you'd find that because the car is all factory standard itll probably cost only a little more for insurance and there are no mods to go against you.
I learnt this lesson the hard/expensive way. If you want a sporty car, buy the sporty one, easier and cheaper to insure and they wont knock you back because of a mod. Easier to sell later too (less to remove to make stock :P)

[SSS_Hoon]

i can do whatever i want to my car as long as its legal mmmwhaaa gotta love it.

SSS_Hoon

[CJB]

I had the same issue with the wheels and lowering being considered modifications, and I'm allowed 1 only (until 25). This chicky was super ideas woman and put my wheels and other lil mods under the 'accessories' department and loweing went under 'modification' allowing me all the prettiness in the world. If I could remember her damn name I'd let you know !!! Just don't talk to the fuddy duddies on there. They classify modifications as a 'rev heads' idea of total mutilation.

ha ha that's amazing! They call my 15" crappy mags an accessory, but at first it was a "mod", pfft... then I added a Holden genuine rear sunguard, which is gone now, but they tried to class that as a mod too. Gotta love the two different categories. Oh yeah, and they classed my tint, even though I had it done when I bought the car new as a mod.

Ask about your tint Cateo!!! Cos it adds value to the car, doesn't it?

[mr_sikma]

yeah my tint is listed as an accessory but my tail lights couldnt be listed anywhere so they didnt bother.

Just Cars is one eyarly payment so i dont wana go with them! Plus they are way too expensive!

And with AAMI they do monthly payments as of December last year and they go by how long you have been driving, and not how long you have had insuarance.

I am 21 in May so its 4.5yrs I have been driving since i have had my L's.

Also got a quote thru my step-mum at Adelaide Bank who go thru CGU (who i am with) and its $1000- cheaper a year!

[CJB]

what!!! aami do monthly payments? for who? is that applicable to anyone and everyone who is with them? I asked them in June last year and she reckons they don't do it, and never will. But having said that, she was a bitch.

[mr_sikma]

And with AAMI they do monthly payments as of December last year and they go by how long you have been driving, and not how long you have had insuarance!

Please read above ;)

[InSaNe^Sna1L]

might give em a yell....cept ive just paid for 6 months so i wouldnt have to do it for a while....its going to be great....I turn 25 and then a few months later I get a rating 1. Lowest insurance available.

[CJB]

But I was asking if that was applicable to everyone, because I heard rumours they were going to introduce it - but only for lifetime rating 1 customers... then I was told by the woman they would never do it. So obviously they do since you said they do...

I shall just call them myself when Insurance is due in March.

[pred8r]

But I was asking if that was applicable to everyone, because I heard rumours they were going to introduce it - but only for lifetime rating 1 customers... then I was told by the woman they would never do it. So obviously they do since you said they do...

I shall just call them myself when Insurance is due in March.

The guy offered it to me but because ordered it online, they sent me a $25 cheque. Oh, there is also no option for pay-by-the-month when purchasing it online :)

[Mrs T]

Just Cars is one eyarly payment so i dont wana go with them! Plus they are way too expensive!



Well when i insured with Just Cars they told me i could insure for 6 months or 12 months

The title to you thread was "Bloody Insurance... (can't even mod)" i was under the impression that you were asking for feedback.... Just Cars are a little more expensive as are any specialist insurance companies although you have to be willing to pay the price if you want to mod. I suggested Just Car Insurance due to their policy of unlimited mods. btw Shannons Insurance is much more expensive than Just Cars and fyi Just Cars is a subsidary of AAMI.

I offered this help as when i modded the Turbo no "everyday" insuarnce company would cover me even though i am a 25yo female with no bad driving history except a car theft hence why i investigated the specialist insurance companies