Insurance.....

[Victoria]

Can anyone explane to me how a toyota trueno (1600cc) is a 'high performance vehicle' according to insurance companies???

It's not necessarily a high-performance vehicle, but a high-risk vehicle. Especially for theft, and when you start modifying a car.. it becomes even more of a target for theft.

Yeah i guess... but still, they could call it something different, so when ever an insurance company says 'Sorry, we cant insure you because your under 25 and you drive a high performance vehicle' i dont have a reason to laugh at them.

[toyoda]

Hey, just interested to know what insurance people have? (what company and how much its costs) And what age you are and what car your driving?

I'm 17 with a ST185 GT Four, I'm insured with state insurance (third party, but its soon to be third party with theft and fire, as soon as i get an alarm). And it costs about $220 a year.

Just interested to know

[RAZA]

There was a thread on the NZPC forums a while ago about towes insurance brokers. I'm too lazy to search for the thread but I'd expect that you'd find a number for them in the white pages.

I haven't dealt with them myself but there were a few people on there saying that they seemed to be brokering some good deals, and they apparently specialise in performance car insurance.

[DB4G63]

Also only like $50-80 diff if its a turboed car as opposed to non-turbo (i.e. Celica GTR vs Celica GT4).

NAC seems to charge very high premiums no matter what car your driving....
if you were going to insure a GTR Celica it would have been better to try a mainstream insurance company....
with NAC it seems you are better to buy a turbo car anyway...

my Galant was only costing me $35 a month with AMI 2.0 litre manual, they arent too concerned about your average 2.0 litre car.

GT-Fours are a different story however...a friend of mine pays through the nose just to insure and fuel one of these beasties.... it spends a lot of time NOT moving....

[Levin]

Yeah I'm really starting to feel the pinch on my pocket..... these cars (GT4) are very thirsty. And as for NAC charging high premiums... well they do specalise in high risk, so with high risk goes high premiums.

[Alex B]

Just to drag this up again, i was interested in buying a 20V marino. I sent away via internet for a quote throu AMI, after reciving an email saying it could be between 3-4 days i rung insted, I got a very nice woman on the phone that said they could do 3rd part fire theft and windscreen cover for $202.20p/a with $1000 excess. I have just recived the internet quote saying that they would not be willing to insure me Just goes to show how inconsistant they really are.

[dougsop]

go to NAC (national auto club) i have my st205 gt4 i told them abt mags and stero (over 2G) and they qutoe me 1252 full insurance ~ and plus on top of that they said i can mod as many as i want even turbo upgrade ~ and i m 21 ~

[Alex B]

I refuse to use NAC i like to part with my money for things of shineyness, not insurance.

[Adydas]

When ya said you were modding it did they quote new prices? or thwy would allow you but charge you for it?

[dougsop]

they said i can either tell them and stay with the 1252 per yr but if anything happen they will only pay for the car at the market value and not the parts ~ the other is u can tell them ur mod and u go get ur car valudate ~ at some place and than they will cover ur car at the value they valudated ~ and i gave them an example say my car is 11000 insureed and i throw another 10G in the car they said i should pay around 14-1500 a yr ~ which is not bad ~

[skoty]

I pay an arm and a leg, $89/month / $1000 excess roughly (3rd party only). I'm almost 20, had my full license for over 2 years, NO driving fines/convictions and all I drive is a Pulsar gti 5 door (no mods)?

[Jebus]

I pay an arm and a leg, $89/month / $1000 excess roughly (3rd party only). I'm almost 20, had my full license for over 2 years, NO driving fines/convictions and all I drive is a Pulsar gti 5 door (no mods)?

You my friend are be shafted. Well and truly, id shop around or ask for a review if thats what you pay for 3rd party.

[SnakeEyes]

I pay an arm and a leg, $89/month / $1000 excess roughly (3rd party only). I'm almost 20, had my full license for over 2 years, NO driving fines/convictions and all I drive is a Pulsar gti 5 door (no mods)?

- That's f*cked. I'm $85 a month for Full Cover, with $300 excess.

K<^-^>E

[SnakeEyes]

*fzcked-up posting*

K<^-^>E

[86_rolla]

AMI wanted $170 a month outta me for my 2E corolla with a 1,000 excess for crashing but $0 excess for theft because of my alarm

[Inane]

I pay an arm and a leg, $89/month / $1000 excess roughly (3rd party only). I'm almost 20, had my full license for over 2 years, NO driving fines/convictions and all I drive is a Pulsar gti 5 door (no mods)?

you are getting well and truly ripped off I pay less than $60/month with a $300 excess for full comprehensive,
on a caldina gtt.

[riddles]

I'm with State and have the car fully insured plus $55k of contents for $64 per month with a $1k voluntary excess and windscreen extension and road side assist.

I've had my windscreen replaced because of stone chips in November and they came out recently and jumpstarted me when my battery went flat while we were moving.

[Santa'sBoostinSleigh]

caldina $18k full cover w/ windscreen extension, $48.16/month, lowered, exhaust, stereo, alarm

im 23, had insurance since i was 16 or 17?
one claim for stolen stereo
one speeding ticket

but mind you also have 2 other cars, a house and contents insured with them - Tower, thru TSB Bank


recently they decided to bam up my excess from like 3-600? to 1000 (at the 1year insurance review), which i debated - that reminds me, i better find out what happened there!

[kingantix]

When i had my vr4 full insurance was $1450 per year from NAC and that was for $7000 cover. They were aware of all my mods and there was quite alot including a turbo upgrade etc. When I was 16-17 and had my Trueno third party fire and theft with state was about $400 for $4500 cover with just the exhaust and pod. Im 18

[spiller]

Seems like theres a few paying alot for insurance. Heres mine from over the past/present

(Vehicle, Cover, Annual Premium)

av1 integra, 3rd party, $140 PA
a31 cefiro, full cover, $300 PA
ba1 prelude, 3rd party, $300 PA
ef3 civic, 3rd party, $200 PA
rs13 180sx, full cover, $750 PA (turbo)
d21 terrano, full cover, $750 PA
ef3 civic, 3rd party, $200 PA
bb4 prelude, full cover, $800 PA

Just got my quote for the prospective st215, $1050 PA, full cover.