| [ Total Views: 683 | Total Replies: 22 | Thread Id: 8613 ] |
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 68AutoBug
A.k.a.: Lee Noonan
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Beetle Restorer - Experience over 138% - YIKES --
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| posted on July 19th, 2003 at 10:15 PM |
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Beetle Insurance - Whats the Best company?
[size=0]What Insurance company do You Use?
Does anyone use Shannons Insurance??
Can the VW be modified at all??
My Car will be garaged at Night.
It will be a daily driver with normal Rego.
Two drivers over 25..
Who is the Best Insurance Company.??
Who do You recommend?
Thanks for all replies .. Lee 68AutoBug
[/size]:bounce:bounce:o:thumb:bounce:bounce:bounce:bounce
Naturally, I wouldn't tell the Insurance company about My Mood....
[Edited on 19-7-2003 by 68AutoBug]
- [size=4]Helping keep Air Cooled VWs on the road - location: SCONE in the Upper Hunter Valley - Northern NSW 320 kms NNW of SYDNEY--- [/size]
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1303Steve
A.k.a.: Steve Carter
Scirocco Rare
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| posted on July 19th, 2003 at 11:11 PM |
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Hi Lee
I use Shannons, they do insure modified cars, also try NRMA.
1302Steve
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ronster
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| posted on July 20th, 2003 at 12:48 AM |
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Hi Lee,
NRMA is ok with stock beetles with no mods declared.
Also depends on what mods you have.
Ron
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Stanley
Compulsive Aussie Vee Dubber
I guess the reward is in the doing of it
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| posted on July 20th, 2003 at 07:25 AM |
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I agree with Steve Shannons is the way to go. I used to be with RACQ bit they kept reducing the agreed value to the point where it wasn't worth
insuring. Shannons went for an agreed value i was happy with and the price was almost $100 less as well. no complaints there
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whatnow
A.k.a.: Henry
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| posted on July 20th, 2003 at 02:20 PM |
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shannons have been good to me. when i first went to them, i was under 25 with a modified car, they were the only people who would insure me. plus
thier price was still good compaired to what the others would have charged me for an unmodified car. plus the agreed value and salvage rights if you
right it off.
at the end of the phonecall when i first got the car insured the guy asked "what plans do you have to the future..." then said "add a
set of delorto's, lower the back a little and add a cambercompensator. thats what i did to my car and it was great on the dirt"  that and boosting me to full no-claim bonus because it was 2 days before
christmas has made me a permant customer of thiers.
h.
[Edited on 21-7-2003 by whatnow]
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 BenettonVW
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| posted on July 20th, 2003 at 02:46 PM |
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Shannons hands down. |
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kombi69
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| posted on July 20th, 2003 at 07:37 PM |
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I was with Shannons. Can anyone recommend an insurer that specialises in older vehicles used for business purposes? If you have a business vehicle
insured with Shannons - caveat emptor.
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68AutoBug
A.k.a.: Lee Noonan
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 posted on July 21st, 2003 at 02:20 AM |
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Thanks Guys....
Info on Shannons much appreciated....
How is the agreed figure --- agreed on ??
I would like to insure My 68 Auto Beetle for around $8000... apart from the front being lowered, it will be stock standard ..
I think I would die if any thing happened to it.... part of My soul went into that car..
I will give shannons a ring...
Does the NRMA have a classic car insurance or just the standard one....??
- [size=4]Helping keep Air Cooled VWs on the road - location: SCONE in the Upper Hunter Valley - Northern NSW 320 kms NNW of SYDNEY--- [/size]
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Shani
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| posted on July 21st, 2003 at 07:32 AM |
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We'd only just bought mine when we rang Shannons and they asked what we paid for it and that was all. I'm not sure how it works with a car
you've had for a while and done some work on. But they were very helpful, everywhere else I tried either refused outright or were obstructive.
Usually refused to insure her cause she's modified.
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72TWINCAB
Fahrvergnugen
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| posted on July 21st, 2003 at 08:04 AM |
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I have just recently moved my kombies insurance from RACQ to Shannons.
RACQ would only insure my Twin Cab for $2,800 So I called Shannons and they
insured it for $6,000 without looking at it. They told me to send them pictures and they would insure it for an agreed value. After sending photos of
the vehicle they increased my an insurance to an agreed value of $10,000
Go Shannons
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Bugged Again
Wolfsburg Wizard
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| posted on July 21st, 2003 at 10:30 AM |
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Shannons |
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 Bizarre
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The artist formerly known as blue74l
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| posted on July 21st, 2003 at 01:14 PM |
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I will be different and give Shannons the big thumbs down.
They ONLY insure cars in a LOCKED garage.
I am sure you guys always do that
It doesnt help us with modified or stock dubs that spend there life on the street or even parked in my yard but not behind locked doors.
There buisness - so no problems, just not as perfect as i feel they are being made out to be.
I guess by keeping street cars out of there books it keeps the premiums down for others
Youse can all thank me later for keeping you premiums down
Futue te ipsum!!!
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ronster
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| posted on July 21st, 2003 at 01:24 PM |
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NRMA has Vintage, Veteran & Classic Insurance, but the conditions are:
it's for hobby/recreational purposes
not use on a daily basis
can only do 8000km during the term of the policy
not for business purposes
so it prob doesn't apply to most of our dubs
I'm with NRMA, agreed value is 5k, pay $300 annual premium and I have to park on the street so that works for me.
Ron
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72TWINCAB
Fahrvergnugen
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| posted on July 21st, 2003 at 01:27 PM |
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Glad I don't park my ute on the street:jesus
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57kombi
Son of Jim - Creator of Good
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| posted on July 21st, 2003 at 01:33 PM |
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Just a word of warning.
I am an Insurance Investigator.
If you insure your vehicle with any company check the policy FIRST.
If your vehicle is modified, the insurance company might insure it but when it comes to paying a claim they can demand to see that the vehicle
complies with the Dept of Motor Vehicles, I.E. if it is reged with a 1600 and you have a 1835 with twin carbs your insurance is null and void,
If you have lowered the vehicle and havent had it checked and O.K.ed by Dept of Transport , they can refuse payment if you make a claim.
Here in S.A. you can get agreed policy's with a number of insurance companies , and they will insure your lowered 2.5 litre injected oval with
BRMs.
You have a smash and the assessor sees it has modifications, he then notifies the insurance company who checks if they are listed on your policy. If
they are they then check with Motor Reg to see if the front beam has been checked (adjusters have to be checked by an authorised engineer)
They also check that the engine is allowed , the brakes have been allowed.
The point I am trying to make is the insurance companies are in it to make money and look for ways they can get out of paying the claim.
READ your policy and dont take the word of the insurance salesman, he is usually on a commission basis and gets paid to sign you up.
He doesnt care what happens afterwards.
Hope I havent spoilt your day.
Cheers
Dave
:jesus:jesus
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ronster
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| posted on July 21st, 2003 at 01:43 PM |
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So in order to keep the premium down
get a lock up garage and insure with shannon
or
insure with someone else and don't mod your car... :P
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kombi69
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| posted on July 21st, 2003 at 09:50 PM |
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...and specify if you want salvage rights (any company) because it doesn't happen automatically.
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kombi69
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| posted on July 21st, 2003 at 09:59 PM |
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Blue74L - I got the feeling Shannons are most interested in show cars/museum pieces, not daily drivers. Restrictive as to how many kms are travelled,
not interested in commercial vehicles being used for their intended purpose.
Interestingly, I contacted the Historic Commercial Vehicle Club (WA) to see if any of their members could advise re insurance for a vehicle used for
business purposes. Guess what? They are all show vehicles with faux signage.
Go the Kombi! Still going strong!
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rachael brown
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| posted on July 22nd, 2003 at 12:55 PM |
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im with shannons for my 65 kombi and its not garaged and its weekly use. they didnt say anything about a garage to me, i just had limited k's per
year that i drive it.
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57kombi
Son of Jim - Creator of Good
Hannover Elder
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| posted on July 22nd, 2003 at 07:25 PM |
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what the salesman tells you and what is actually in your policy can be two differant things.
Cheers
Dave
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68AutoBug
A.k.a.: Lee Noonan
Aircooled Master
Beetle Restorer - Experience over 138% - YIKES --
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| posted on July 22nd, 2003 at 07:55 PM |
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| Quote: | Originally
posted by rachael brown
im with shannons for my 65 kombi and its not garaged and its weekly use. they didnt say anything about a garage to me, i just had limited k's per
year that i drive it.
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Sounds Good Rachael... thanks..
at least now I can ask a few questions when I ring them...
Thanks to everyone who answered My Questions so far....
So Far, the only non standard thing is the lowered front axle... I would also like the salvage rights to the vehicle...
cheers
Lee Noonan
- [size=4]Helping keep Air Cooled VWs on the road - location: SCONE in the Upper Hunter Valley - Northern NSW 320 kms NNW of SYDNEY--- [/size]
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kombi69
Seriously Crusin Dubber
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| posted on July 22nd, 2003 at 09:00 PM |
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Amen to that Dave. Not only what the salesman tells you and what is actually in your policy can be two differant things. Shannons own brochure
suggests they insure business vehicles! When I pointed this out to the salesperson they told me the brochure was wrong, pity if you shop for info from
brochures.
Like I said, caveat emptor, and yes, insurance companies will do all in their power not to pay a claim.
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Quickbug
Officially Full-On Dubber
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| posted on July 27th, 2003 at 02:45 PM |
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| Quote: |
If your vehicle is modified, the insurance company might insure it but when it comes to paying a claim they can demand to see that the vehicle
complies with the Dept of Motor Vehicles, I.E. if it is reged with a 1600 and you have a 1835 with twin carbs your insurance is null and void
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However they have to prove its an 1835cc.
This can only be done by stripping the engine... something they wont do. In any case they have to prove that YOU knew it was an 1835cc as well.
Of course, as you have said, visible things like twin carbies should be noted. Especially if you car is damaged and not written off, but some of the
modded bits get damaged, if you noted them and they therefore agreed to cover them, you can get them fixed as part of your repairs.
The part about insurance companys being a business and out to make money i totally agree with. I see it every day and they are
[size=6]ruthless!![/size]
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Shani
Seriously Crusin Dubber
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| posted on July 27th, 2003 at 04:14 PM |
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Well now I get too see how good Shannons really are. Belle and I got badly Rear Ended last night on the way home from work, her rear bumper and tail
took most of the damage and it looks like it didn't touch the engine, Exhaust is a mess though.
Will keep you posted....
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Quickbug
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| posted on July 27th, 2003 at 09:02 PM |
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Bad luck and sad to hear Shani
Hope all goes well...
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