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Insurance clauses (not santa)

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Ampdub Officially Full-On Dubber

310 posts · joined May 2006 ·

#798675
Just bought a bug and looking to get some insurance quotes before it hits the road, what sort of things should i be specifying in the contract?

I know things like agreed value but what about things like drag days and track days at warwick? can i have it so it is repaired and not wrecked or written off at the drop of a hat. what should i be looking for and who will give me the best deal, I have read a few with the search function and found people with Lumleys and Shannons (some having issues with) and gio. what have you gone for and why?

This bug is not worked or hotted up, all standard 1970.

barls Administrator Causer of Chaos and Mayhem

9,474 posts · joined Jun 2004 ·

#798702
i went for full salvage right to the car, already had to use it once already.
other than that, full comprehensive with agreed value and the rest of the works.
“We all pay for life with death, so everything in between should be free.” Bill Hicks
the chaos project - click me

helbus Administrator Mad fabricator, paint and body

7,386 posts · joined Sep 2002 ·

#798703
From a classic car repairers point of view, we have found Shannons fair to deal with. We have repaired a hail damaged Beetle as a Shannons claim.

We have also had quite a few cars written off as you say, as the cost to repair them PROPERLY was above the value insured. This can happen if the vehicle was underinsured. The owners keep the car, and they are not taken off the road. The owner does what they want with the car.
EJ22 into Bay Microbus - Finished project build thread- click on this spot here for info

ian.mezz I never said, I could write or spell

3,913 posts · joined Sep 2004 ·

#798709
Shannons good, we not covered from track days , drags🤪
😂🤪😂🤪😂
car forums. where a lot of peoples good intentions end up taking a good old car off the road forever never ever to see the road again. 🥲

bnicho Wolfsburg Wizard

436 posts · joined Feb 2009 ·

#798766
I've been insured for Shannons for about ten years. I've had to make three claims at various times, no hassles at all. If I change something on a car it's never a problem and they've even pointed out to me when they thought I'd undervalued one of my cars and suggested increasing the agreed value. Lumley is a little cheaper, but I'll stick with Shannons.

Cheers,
Brett Nicholson
Melbourne, Victoria
1974 VW Superbug L - Olive 😎
1971 Morris Mini Moke - Mopoke
1966 Austin Mini - Audrey
1965 Morris Mini Traveller - Trixie
2007 Land Rover Freelander 2
2009 Nissan Pathfinder

68AutoBug Beetle Restorer - Experience over 138\% - YIKES --

11,654 posts · joined Aug 2002 ·

#798773
Ampdub61 wrote:Just bought a bug and looking to get some insurance quotes before it hits the road, what sort of things should i be specifying in the contract?

I know things like agreed value but what about things like drag days and track days at warwick? can i have it so it is repaired and not wrecked or written off at the drop of a hat. what should i be looking for and who will give me the best deal, I have read a few with the search function and found people with Lumleys and Shannons (some having issues with) and gio. what have you gone for and why?

This bug is not worked or hotted up, all standard 1970.
I haven't heard of Lumleys...
but SHANNONS and NRMA CLASSIC & VINTAGE CAR INSURANCE...
I have had My beetle with NRMA classic insurance.. similar to shannons....
with both these companies -
YOU DO GET YOUR CAR BACK FOR FREE IF ITS A WRITEOFF
so You can fix it or use the bits on another beetle...
[plus the insurance money]

You talk to either company and tell them how much You want to insure Your car for... ALL AGREED...
$3000 - $5000 or $7000 ++
depending what You think its worth...
and they agree...
the more You insure the car for, naturally the premiums go higher...
You need to tell them how often You want to drive Your car.
I'm limited to about 8000kms a year.. which I will never do..
My Car is also garaged every night locked in a yard...

BUT nothing like the cost of "normal" car insurances...

I don't know of any companies that will insure racing or drag cars.. as the sign say - Motor Racing is a Dangerous sport...

NRMA classic car insurance is different to the normal NRMA insurance... so make sure You contact the correct company.

cheers

LEE

PS: with Shannons You can pay by the month also...
- Helping keep Air Cooled VWs on the road - location: SCONE in the Upper Hunter Valley - Northern NSW 320 kms NNW of SYDNEY---

helbus Administrator Mad fabricator, paint and body

7,386 posts · joined Sep 2002 ·

#798775
Lumley's has a classic car policy LSV (Lumley Special Vehicles). Parent company being Wesfarmers General Insurance Limited.

LSV is very well priced. You must check the policy suits your vehicle and your usage. They wont insure two of our cars, but the policy price for another car was more than 50% less than another company with double the agreed value allowed.
EJ22 into Bay Microbus - Finished project build thread- click on this spot here for info

68AutoBug Beetle Restorer - Experience over 138\% - YIKES --

11,654 posts · joined Aug 2002 ·

#798785
helbus wrote:Lumley's has a classic car policy LSV (Lumley Special Vehicles). Parent company being Wesfarmers General Insurance Limited.

LSV is very well priced. You must check the policy suits your vehicle and your usage. They wont insure two of our cars, but the policy price for another car was more than 50% less than another company with double the agreed value allowed.
interesting...

Lee

ps; You can ring shannons, and they will send You their quote
which is valid for 30-60?? days.. Lee
- Helping keep Air Cooled VWs on the road - location: SCONE in the Upper Hunter Valley - Northern NSW 320 kms NNW of SYDNEY---

rob53 Officially Full-On Dubber

385 posts · joined Jan 2007 ·

#798815
I have all my vehicles with shannons. They are by far the best insurance company I have even delt with. Customer service is tops, pricing is great. As an added bonus, you can get cheaper greenslips for vehicles registered with them. Plus if you have multiple vehicles, you get discounts on the insurance premium.
Thats not rust, it's ah ... orange primer ... yep that's what it is ...

Barnabie Officially Full-On Dubber

257 posts · joined Jun 2010 ·

#798833
Yep, Shannons gets my vote - discounts for multiple policies, a pleasure to deal with, as LEE said they do pay by the month if you need too. I haven't had any problems to speak of and have had a number of motorbikes and cars with them over several years.

👍

Ampdub Officially Full-On Dubber

310 posts · joined May 2006 ·

#798848
Excellent responses everyone, thanks for your input. All taken into account when i give them all a call. If anyone else has anything to add fell free as the more information to go on the better

Pollywaffle .:Ben:.

385 posts · joined Aug 2009 ·

#798853
I called Shannons for my '73 Type 3 and they said they wouldn't insure me 😠 Allianz said they wouldn't insure me either. I'm 25 and never had an accident! NRMA insured me and I pay $350 for agreed value. I have no idea about salvageable rights though.

1500S Custom Title Time!

1,418 posts · joined Mar 2005 ·

#798863
68AutoBug wrote:
Ampdub61 wrote:Just bought a bug and looking to get some insurance quotes before it hits the road, what sort of things should i be specifying in the contract?

I know things like agreed value but what about things like drag days and track days at warwick? can i have it so it is repaired and not wrecked or written off at the drop of a hat. what should i be looking for and who will give me the best deal, I have read a few with the search function and found people with Lumleys and Shannons (some having issues with) and gio. what have you gone for and why?

This bug is not worked or hotted up, all standard 1970.
I haven't heard of Lumleys...
but SHANNONS and NRMA CLASSIC & VINTAGE CAR INSURANCE...
I have had My beetle with NRMA classic insurance.. similar to shannons....
with both these companies -
YOU DO GET YOUR CAR BACK FOR FREE IF ITS A WRITEOFF
so You can fix it or use the bits on another beetle...
[plus the insurance money]

You talk to either company and tell them how much You want to insure Your car for... ALL AGREED...
$3000 - $5000 or $7000 ++
depending what You think its worth...
and they agree...
the more You insure the car for, naturally the premiums go higher...
You need to tell them how often You want to drive Your car.
I'm limited to about 8000kms a year.. which I will never do..
My Car is also garaged every night locked in a yard...

BUT nothing like the cost of "normal" car insurances...

I don't know of any companies that will insure racing or drag cars.. as the sign say - Motor Racing is a Dangerous sport...

NRMA classic car insurance is different to the normal NRMA insurance... so make sure You contact the correct company.

cheers

LEE

PS: with Shannons You can pay by the month also...
You have to be carefull with the "written off" bit Lee. I purchased a 69 type 3 from a wreckers here at Riverstone with sort of minor damage (to me) back in about 1995. I repaired it and painted it and it looked great. Went through blue slip with flying colours. Went to motor registry for registration to be informed that they had it on the written off vehicles register. Back then I had to get a stat dec from a licenced repairer that all repairs were done to a satisfactory standard. I think things have tightened up in NSW more in recent years. Worth enquiring on that.

DH

68AutoBug Beetle Restorer - Experience over 138\% - YIKES --

11,654 posts · joined Aug 2002 ·

#798882
1500S wrote:
68AutoBug wrote:
Ampdub61 wrote:Just bought a bug and looking to get some insurance quotes before it hits the road, what sort of things should i be specifying in the contract?

I know things like agreed value but what about things like drag days and track days at warwick? can i have it so it is repaired and not wrecked or written off at the drop of a hat. what should i be looking for and who will give me the best deal, I have read a few with the search function and found people with Lumleys and Shannons (some having issues with) and gio. what have you gone for and why?

This bug is not worked or hotted up, all standard 1970.
I haven't heard of Lumleys...
but SHANNONS and NRMA CLASSIC & VINTAGE CAR INSURANCE...
I have had My beetle with NRMA classic insurance.. similar to shannons....
with both these companies -
YOU DO GET YOUR CAR BACK FOR FREE IF ITS A WRITEOFF
so You can fix it or use the bits on another beetle...
[plus the insurance money]

You talk to either company and tell them how much You want to insure Your car for... ALL AGREED...
$3000 - $5000 or $7000 ++
depending what You think its worth...
and they agree...
the more You insure the car for, naturally the premiums go higher...
You need to tell them how often You want to drive Your car.
I'm limited to about 8000kms a year.. which I will never do..
My Car is also garaged every night locked in a yard...

BUT nothing like the cost of "normal" car insurances...

I don't know of any companies that will insure racing or drag cars.. as the sign say - Motor Racing is a Dangerous sport...

NRMA classic car insurance is different to the normal NRMA insurance... so make sure You contact the correct company.

cheers

LEE

PS: with Shannons You can pay by the month also...
You have to be carefull with the "written off" bit Lee. I purchased a 69 type 3 from a wreckers here at Riverstone with sort of minor damage (to me) back in about 1995. I repared it and painted it and it looked graet. Went through blue slip with flying colours. Went to motor registry for registration to be informed that they had it on the written off vehicles register. Back then I had to get a stat dec from a licenced repairer that all repairs were done to a satisfactory standard. I think think things have tightened up in NSW more in recent years. Worth enquiring on that.

DH

I didn't know about that registry Dallas...
but not surprised as most countries have them now..

If written off You just need another chassis number... lol

lots of beetles out there with wrong chassis numbers..lol

cheers

LEE

- Helping keep Air Cooled VWs on the road - location: SCONE in the Upper Hunter Valley - Northern NSW 320 kms NNW of SYDNEY---

1500S Custom Title Time!

1,418 posts · joined Mar 2005 ·

#798901
I must have been crissed as a picket when I wrote that reply Lee. All the spelling mistakes and also a double word! Fixed it up now I think. 🙄

DH