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 Post subject: Insurance question
PostPosted: Wed Nov 25, 2015 4:51 pm 
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Posts: 840
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Location: Sth. West. W.A.
Australian State: WA
Cruiser Model: HZJ80 GXL
Transmission: Manual
Year: 93
My 80 and the wifes Corolla are both insured with RACWA.
We are the listed co-drivers of each others car.
I was driving her car, hit a roo, claimed against her policy.
Her premium went up several hundred dollars, which was expected.
My excess on my 80 went up $300, which I am not happy about, so the question is, is that normal practice, or have I been shafted?

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Cheers, PhillT :-) HZJ80, GXL, Manual, GTurbo, Part-time Kit.
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 Post subject: Re: Insurance question
PostPosted: Wed Nov 25, 2015 6:45 pm 
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Posts: 261
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Location: Perth
Australian State: WA
Cruiser Model: HDJ80 GXL
Transmission: Auto
Year: 97
get a quote from shanons, both comprehensive, but the 80 as driven 2 days a week or less

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 Post subject: Re: Insurance question
PostPosted: Wed Nov 25, 2015 7:04 pm 
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Location: Sth. West. W.A.
Australian State: WA
Cruiser Model: HZJ80 GXL
Transmission: Manual
Year: 93
SeaJay wrote:
get a quote from shanons, both comprehensive, but the 80 as driven 2 days a week or less


Decided against that after reading a few pages here:-
http://www.productreview.com.au/p/shannons.html

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Cheers, PhillT :-) HZJ80, GXL, Manual, GTurbo, Part-time Kit.
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 Post subject: Re: Insurance question
PostPosted: Wed Nov 25, 2015 7:10 pm 
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Location: Perth N.O.R.
Australian State: WA
Cruiser Model: HDJ80 GXL
Transmission: Manual
Year: 92
Thing is people only go on those websites after they feel they have been shafted, I'd still recommend Shannon's. The RAC WA page is copping similar reviews, as with Allianz, SGIO etc.

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 Post subject: Re: Insurance question
PostPosted: Wed Nov 25, 2015 7:48 pm 
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Location: Sth. West. W.A.
Australian State: WA
Cruiser Model: HZJ80 GXL
Transmission: Manual
Year: 93
faded wrote:
Thing is people only go on those websites after they feel they have been shafted, I'd still recommend Shannon's. The RAC WA page is copping similar reviews, as with Allianz, SGIO etc.



I've emailed them, waiting for a call back.

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 Post subject: Re: Insurance question
PostPosted: Wed Nov 25, 2015 8:09 pm 
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Location: Sth. West. W.A.
Australian State: WA
Cruiser Model: HZJ80 GXL
Transmission: Manual
Year: 93
Just looking at ratings for the last 5 years, and there are some names there that I would not have expected, like Youi for example.

http://www.notgoodenough.org/index.php?page=7006

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Cheers, PhillT :-) HZJ80, GXL, Manual, GTurbo, Part-time Kit.
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 Post subject: Re: Insurance question
PostPosted: Wed Nov 25, 2015 9:53 pm 
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Posts: 7172
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Location: Tom Price
Australian State: WA
Cruiser Model: I dont have an 80
Transmission: What did I just say?
Year: I dont have an 80 yet!!
PhillT wrote:
Just looking at ratings for the last 5 years, and there are some names there that I would not have expected, like Youi for example.

http://www.notgoodenough.org/index.php?page=7006

I found youi to be a pain in the arse to deal with. My 80 had 3rd party with youi at the time of its demise. Just trying to cancel the policy was a hassle as they try and do everything they can to keep the policy active. Same deal when just trying to get a quote, they try everything they can to sign you up on the spot (and if youi is the first place you've rung for quotes......... :roll: ) No idea what they are like to deal with come claim time, but I cant be bothered dealing with them anymore.

I've only had to make one major claim in my years of driving and that was with SGIO, which I never had an issue with - I had more problems with the smash repairer who dragged his heels getting estimates to the insurance company because he knew there was no work in it for him :evil: Had a work mate got his house broken into a few years ago and ended up with quite a bit of gear stolen, he was insured by AAMI at the time and never had an issue sorting the claim.

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 Post subject: Re: Insurance question
PostPosted: Thu Nov 26, 2015 11:54 am 
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Location: Sth. West. W.A.
Australian State: WA
Cruiser Model: HZJ80 GXL
Transmission: Manual
Year: 93
:evil: Faaa#k I hate insurance shopping almost as much as Telco shopping :?

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 Post subject: Re: Insurance question
PostPosted: Thu Nov 26, 2015 4:20 pm 
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Posts: 1726
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Location: Ingle Farm (Adelaide suburb) South Australia
Australian State: SA
Cruiser Model: FZJ80 GXL
Transmission: Auto
Year: 94
Insurance is a form of gambling - they gamble we won't need to claim, we gambling we do!!
Mike


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 Post subject: Re: Insurance question
PostPosted: Thu Nov 26, 2015 4:38 pm 
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Location: Sth. West. W.A.
Australian State: WA
Cruiser Model: HZJ80 GXL
Transmission: Manual
Year: 93
mwitcher wrote:
Insurance is a form of gambling - they gamble we won't need to claim, we gambling we do!!
Mike


Indeed. And they love to make it complicated.

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Cheers, PhillT :-) HZJ80, GXL, Manual, GTurbo, Part-time Kit.
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 Post subject: Re: Insurance question
PostPosted: Thu Nov 26, 2015 5:09 pm 
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Location: Sth. West. W.A.
Australian State: WA
Cruiser Model: HZJ80 GXL
Transmission: Manual
Year: 93
F.F.S. am I loosing it, or am I just not clear in the way I phrase things?
This is the transcript of a chat with AAMI:- (me posing as my wife just to clarify the Husband bit)

Attachment:
AAMI conversation.jpg


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Cheers, PhillT :-) HZJ80, GXL, Manual, GTurbo, Part-time Kit.
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 Post subject: Re: Insurance question
PostPosted: Fri Nov 27, 2015 2:14 am 
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Posts: 40
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Location: Gosnells
Australian State: WA
Cruiser Model: FJ80 GXL
Transmission: Manual
Year: 91
have you thought about club4x4 insurance? its the one Pat Cullinan is spruiking at the moment


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 Post subject: Re: Insurance question
PostPosted: Fri Nov 27, 2015 6:38 am 
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Posts: 1726
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Location: Ingle Farm (Adelaide suburb) South Australia
Australian State: SA
Cruiser Model: FZJ80 GXL
Transmission: Auto
Year: 94
If club4x4 is for members of a club, would the "Offroad80s" qualify as a club - or is it available to all?
Mike


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 Post subject: Re: Insurance question
PostPosted: Fri Nov 27, 2015 9:58 am 
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Posts: 840
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Location: Sth. West. W.A.
Australian State: WA
Cruiser Model: HZJ80 GXL
Transmission: Manual
Year: 93
mwitcher wrote:
If club4x4 is for members of a club, would the "Offroad80s" qualify as a club - or is it available to all?
Mike


Relevant, as I am not in any registered "Club", just groups like this.

"EDIT" Unless we get Shane to change the name of the forum to "offroad80s club" ;-)

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 Post subject: Re: Insurance question
PostPosted: Fri Nov 27, 2015 10:43 am 
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Joined: Sat Jan 09, 2010 6:51 pm
Posts: 1726
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Location: Ingle Farm (Adelaide suburb) South Australia
Australian State: SA
Cruiser Model: FZJ80 GXL
Transmission: Auto
Year: 94
I have just sent off an email to a mate who is the "Insurance Officer" of a 4WD club to see if anyone can join or if offroad89's would classify as a club. Will keep you posted via this thread.
Mike


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