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Location:
Castle Hill, Sydney
Registered:
January 2003
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Good Insurance company for under 25s
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Wed, 05 March 2003 03:16
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hey a mate told me about this place, dunno if any of you guys are with them but my mate said they are heaps cheap compared to such companies as NRMA for under 25s
http://www.youngandcool.com.au
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I supported Toymods
Registered:
February 2003
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Re: Good Insurance company for under 25s
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Wed, 05 March 2003 03:43
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yeah, as far as i know they are cheap, however they do not do third party property insurance, and you cannot have a bad driving record. i called them only 3 days ago about insurance for my car, but when then heard my " traffic infringements " they kindly told me to p#$% off.. 
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Location:
cambo
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Wed, 05 March 2003 05:52
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any under 25's here with a boosted sprinter plus the other usual mods? im nearly finished my conversion so i better start hunting. hmm 19 with speeding fine and modded car... damn.
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Location:
Eskilstuna, Sweden
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Wed, 05 March 2003 08:30
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There is no such thing as a good insurance company when you are under 25......... 
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Location:
Castle Hill, Sydney
Registered:
January 2003
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Re: Good Insurance company for under 25s
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Wed, 05 March 2003 09:34
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Yeh sorry i probably should have said 'A Little Bit Better' insurance company 
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Location:
Gold Coast
Registered:
January 2003
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Re: Good Insurance company for under 25s
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Wed, 05 March 2003 10:37
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when i had my l's (not that long ago) the thrid party, fire and theaft was under my dads name (AAMI, $181), then i went about in my name (me had p's now) and AAMI said they wouldn't insure, so i rang RACQ and they did a good price $334 for third party property, fire and theaft. And Just Cars was 643 but the excess of just cars was 200 cheaper but i still went with RACQ. I throught i would just give ya some details between the differences between 2-3 big companies.
Nezza 
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Location:
cambo
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Wed, 05 March 2003 11:37
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always good to get ideas. did they know of your mods?
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I supported Toymods
Location:
Sydney
Registered:
June 2002
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Re: Good Insurance company for under 25s
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Thu, 06 March 2003 01:02
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Vigil do under 25 with modified cars pricing isnt too bad. 13 14 30
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Location:
Melbourne
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Thu, 06 March 2003 06:14
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I think I did an online quote with young and cool and the price was something like 2 grand premium with at least 1 grand excess. It was some stupid amount. Insurance companies are a bunch of dickheads anyway and half of them don't know what they're talking about.
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Location:
Gold Coast
Registered:
January 2003
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Re: Good Insurance company for under 25s
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Thu, 06 March 2003 10:04
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| EVOSTi wrote on Wed, 05 March 2003 21:37 |
always good to get ideas. did they know of your mods?
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Yeah man the CD player (they don't cover that, damn) and the air filter and the air-fuel ratio gauge). the king springs an't lowered so it an't a mod.
Nezza
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Location:
Newcastle
Registered:
February 2003
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Re: Good Insurance company for under 25s
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Thu, 06 March 2003 10:47
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you need to do a defensive drivers course to get insurance to be affordable with young and cool
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Toymods Board Member
I supported Toymods
Location:
Turramurra, Sydney.
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Fri, 07 March 2003 03:52
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Sweet, I just rang Vigil for a 3rd part property quote, & for a 23 y.o. driver, 1976 celica, with lots of mods but just a 1.6L non-turbo engine, and no mention of previous fines or anything (they didn't even ask), they want $465!
How good is that?!?
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I supported Toymods
Banned User
Location:
Brisbane
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Fri, 07 March 2003 04:00
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Maybe someone with a little spare time could make a list of companys that do insurance for modded cars and that deals with under 25's??
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Registered:
January 2003
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Re: Good Insurance company for under 25s
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Fri, 07 March 2003 11:44
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yea vigil is good.. a 25yr old wanted to insure his tx3 4wd(91) showcar.. it had turbo, rims, stereo, perspex bonnet etc.. it had 165kw at wheels and 550nm torque.. vigil insured it for 20k with all the mods and only charged him $1600 per year... thats pretty damn good
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Location:
Sydney
Registered:
May 2002
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I supported Toymods
Banned User
Location:
Brisbane
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Sat, 08 March 2003 06:12
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Thanks mate
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Location:
Sydney
Registered:
January 2003
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Re: Good Insurance company for under 25s
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Sun, 09 March 2003 07:02
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Well for me 20yo from Young & Cool
About $3000 for comp insurance on a TA22
&
$4200 for a MA61 Supra...ouchies, You could by a dodgy Supra for that I think I'll got the 3rd Party, Fire & Theft option.
@lch
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I supported Toymods
Banned User
Location:
Brisbane
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Sun, 09 March 2003 08:42
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Fark me What mods did you have on the TA22?
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Location:
Sydney
Registered:
January 2003
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Re: Good Insurance company for under 25s
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Sun, 09 March 2003 10:48
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None, just bog standard. I'm just doing hypotheticals at the moment, 3rd Party looks the way to go 
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Location:
Melbourne
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Mon, 10 March 2003 07:33
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hey manipulate, can't you get somebody to ring up for the insurance during the week? or call on your lunch break or something if you are working?
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Location:
Sydney
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Mon, 10 March 2003 07:38
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Max
Its not just registering mate
what if i need to change my details or make a claim ?
it would be a pain in the ass
Ta
Mani
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Location:
Travelling overseas
Registered:
July 2002
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Re: Good Insurance company for under 25s
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Wed, 12 March 2003 06:54
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| BigWorm wrote on Fri, 07 March 2003 14:52 |
Sweet, I just rang Vigil for a 3rd part property quote, & for a 23 y.o. driver, 1976 celica, with lots of mods but just a 1.6L non-turbo engine, and no mention of previous fines or anything (they didn't even ask), they want $465!
How good is that?!?
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Doesn't sound that good to me for 3rd party property!
I found CGU to be the cheapest (for a twinky) when I was looking 9 months ago. Admittedly I dont know how much a Celica normally costs but it sounds expensive - i only paid $23/month.
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Location:
Castle Hill
Registered:
December 2002
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Re: Good Insurance company for under 25s
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Sat, 15 March 2003 09:05
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If we're talking about VIGIL then I should add my experience.
Yes, one of the cheapest and only insurance companies that would insure, third party property, my previous modified 1976 celica when I was 18. All was good until i wrote the car off - I recieved letters off NRMA's lawyers (the other drivers insurance) for atleast a year saying they were taking me to court as Vigil didn't pay up, also Vigil continued to Direct Debit my bank account after the accident - ahhh I dont have a car to insure anymore guys. O well, I did get my money back off Vigil, and eventually they paid NRMA, but for a good year it was a pain to get letters once a month saying I was about to be sued, and pay for multiple phone calls to Victoria.
Otherwise they are probably a great insurance company.
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Location:
Mexico
Registered:
November 2002
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Location:
Melb
Registered:
January 2003
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Re: Good Insurance company for under 25s
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Wed, 19 March 2003 03:31
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just rang shannons the other day.they dnt cover 18 year olds for full comp.so any ppl that r 18 i wouldnt bother with them.their 3rd party doesnt include theft and is pricey
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Location:
Brisbane QLD
Registered:
March 2003
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Re: Good Insurance company for under 25s
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Fri, 28 March 2003 11:19
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I'm unsure if my celica is lowered is there any easy way to check? what is the normal height and where do i mesure it?
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Location:
Sydney
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Mon, 07 April 2003 10:40
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hey all
Just so i dont open up another thread
i need to clarify some things...is the following true
Green Slip, also known as 3rd Party Liable = Medical bills of the person u hit are paid for
3rd Party Property = The vehicle and/or property of the person u hit is covered
Comprehensive = The vehicle and/or property of the person u hit AND your own car, are covered
is that correct
Thanx
Mani
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Location:
Mexico
Registered:
November 2002
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Re: Good Insurance company for under 25s
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Mon, 07 April 2003 10:43
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third party property also covers the medical bills of the person you hit aswell as there property ?
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Location:
Sydney
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Mon, 07 April 2003 10:45
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no im positive they are separate
as im insured with shannons for 3rd party......but they dont do green slips...i had to go to NRMA for that
Ta
Mani
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Location:
Mexico
Registered:
November 2002
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Re: Good Insurance company for under 25s
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Mon, 07 April 2003 10:49
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so what happens if you have third party property and you have an accident and it puts somone in hospital for 6 months god forbid ?
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Location:
Sydney
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Mon, 07 April 2003 10:52
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Green slip is compulsory.....u cant register your car without a green slip
MOST insurance companies include Green slip with there 3rd party or comprehensive deals
trust me if your car is rego'ed ...it has a green slip
can anyone answer my original question pls ?
Ta
Mani
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Location:
Sydney
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Mon, 07 April 2003 11:11
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Cmon Benn aka Mr legalities im looking at u
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Location:
Sydney
Registered:
January 2003
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Re: Good Insurance company for under 25s
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Mon, 07 April 2003 11:58
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Yup thats how I understand it to be, unless the cost of 3rd Party Property is mega expensive I wouldn't drive around without it.
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Toymods Board Member
I supported Toymods
Location:
Turramurra, Sydney.
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Mon, 07 April 2003 13:48
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Yeah man, that's right. Green slip or 3rd part personal is seperate to 3rd part property.
I finally got my insurance sorted out with Vigil today, $465 per year for 3rd part property, with an extensive list of modifications.
$500 basic excess, +$500 for being under 25, +$1500 because I lost my licence a couple years back.
I don't expect much better than that with my driving history.
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Toymods member
I supported Toymods
Location:
Rydalmere, NSW
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Mon, 07 April 2003 16:15
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You don't always have to tell them your history - I know because I've always gotten away with it, and never been contacted about it by any insurers I've been with.
I remember what is was like being under 25 and running around in a Mitsubishi Scorpion (bone-stock), and trying to convince insurers that it wasn't classified as a 'sports car', but merely a 2-door coupé. I got out of it for around $600 per year (comprehensive insurance - the only insurance I'll buy).
So I'm 29 now, and the insurers keep changing the friggin goal posts on me!! Now they want me to be over 30 before I'll get the 'reduced rate' (by how much, $3 ?). I called Shannon's before, and after much enquiry on my RAV4, they said "no, we don't do 4WD's" and promptly hung up.  So much for customer service... I can see that no Subaru would be insured with Shannon's either (if it's AWD like mine, which I understand most if not all Subaru's are these days). The RAV4 is somewhere in the middle - it's a 4WD, but it's not? It's an AWD vehicle, but insurers see it as a 4WD... 
Ahhh, a lotta hassle anyway... Right now I'm still insured with AAMI (cheapest by far for the mods I've got so far, which is still around $600 per year comprehensive). THe way I understand it, with a lot of underwriters (like Shannon's, Just Cars, Vigil, etc.), you can choose what you wish to insure on the vehicle, per the modifications that you wish to insure. For example, I could choose to have everything insured on my car, except for the suspension and the bonnet vents, and save myself about $50 per year without these modifications. With ordinary insurers, they'll quietly tell you to piss off and don't come back, or more politely, tell you to contact their underwriting firm instead (AAMI's underwriter is Just Cars insurance).
I might call them sometime and ask what the rate per year is for my future mod's and the stuff that's on my car now - I'll be sitting down when they tell me how much per year.
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Location:
queensland
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Mon, 07 April 2003 22:07
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Joel is that 3rd party with fire and theft covered?
so why do people tell the insurers about all their mods if theyre only going 3rd party?
wont it only icrease the fee?
whos cheaper out of young and cool and vigil???
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Toymods Board Member
I supported Toymods
Location:
Turramurra, Sydney.
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Tue, 08 April 2003 00:54
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Personally, I don't see the point of having insurance that is legally invalid, I would rather spend that money on mods or something. If the acco is serious enough, and is gonna cost the insurance co. an absolute shitload, then spending a couple grand investigating the legality of your car is well worth it, especially if it saves them a hundred grand or so.
Getting footed with a 10 grand bill would be less likely and not soo bad to cope with, but imagine getting footed with a couple hundred grand?
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I supported Toymods
Location:
South of Wollongong
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Tue, 08 April 2003 02:06
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As of Saturday, i now own a AE92 SX 4agze. i am still in the process of finding best place to insure it. gotta get it done soon!!
i've been telling em everything. is it correct that if your mods arent listed with them, and you do have a crash, insurance wont cover you??
just cars want $674 for 3rd party. $2058 for full comp. with the usual $1000 excess for 19yr olds.
Shannons wanted $1084 for 3rd party!!!!!!!
Vigil said that my car is too new for their system... 
and as usual, nrma wont touch supercharged
so at the moment just cars looks to be the cheapest, but i dunno if i should go the 3rd party, or full comprehensive....
suggestions??
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Location:
Castle Hill, Sydney
Registered:
January 2003
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Re: Good Insurance company for under 25s
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Tue, 08 April 2003 02:38
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gee $674 is pretty good for a 19 year old with a supercharged car
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I supported Toymods
Location:
South of Wollongong
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Tue, 08 April 2003 04:51
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Yeah, its not bad i spose.
think thats my best option. just 3rd party. and dont crash it.
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Location:
Sydney
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Tue, 08 April 2003 07:40
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Thanx guys
Another question
Comprehensive is too expensive for me
But ive heard of ppl doing a 3rd Party + Fire & Theft
is there such thing ???
For example, Other persons car is covered in an accident, your car is covered for fire/theft, but your car is NOT coverd for acco
Is this right
TA
Mani
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Location:
Northan Beaches
Registered:
March 2003
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Re: Good Insurance company for under 25s
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Tue, 08 April 2003 07:47
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Im with Just Car i pay $750 for my 4agze seca ae92 for 3rd party property, theft and fire and i have 2 speeding fines a neg driving fine and no p plates fine and lost my licence for 3 months
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Location:
Sydney
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Tue, 08 April 2003 07:49
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How old r u toy-seca ?
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I supported Toymods
Location:
South of Wollongong
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Tue, 08 April 2003 08:32
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hmm i'm now thinking bout getting comp insurance.
i rang just cars yesterday i think it was they said $2058
rang them again just before and they said $2291
im not sure what i didnt or did say to them, but weird it changed $300.
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I supported Toymods
Location:
Sydney
Registered:
June 2002
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Re: Good Insurance company for under 25s
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Tue, 08 April 2003 10:32
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I love it, i turned 25 last september and my renewal just came in the mail yesturday. The price dropped by $1100 But its still gonna cost me $2830 
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Toymods member
I supported Toymods
Location:
Rydalmere, NSW
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Tue, 08 April 2003 12:30
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Shit that's a lot of money for insurance... that has to be comprehensive, yeah? 
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I supported Toymods
Location:
Sydney
Registered:
June 2002
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Re: Good Insurance company for under 25s
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Tue, 08 April 2003 12:33
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Yeah thats for comprehensive. But its also insured for $38K and all my mods.
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Location:
Sydney
Registered:
January 2003
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Re: Good Insurance company for under 25s
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Tue, 08 April 2003 14:49
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Just a note to all that the $750 for 3rd part prop, fire & theft and thought oh yea!!!!! Its not available in NSW or ACT
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Location:
Northan Beaches
Registered:
March 2003
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Re: Good Insurance company for under 25s
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Wed, 09 April 2003 03:22
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um yes it is cause im in sydney
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Location:
Northan Beaches
Registered:
March 2003
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Re: Good Insurance company for under 25s
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Wed, 09 April 2003 03:31
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oh and im 19
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Toymods member
I supported Toymods
Location:
Rydalmere, NSW
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Thu, 10 April 2003 02:26
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I rang Just Car Insurance earlier to find out what damage I'd be up for if I were to insure with them. With the cost of the RAV4, the modifications both present and future, they gave me an estimate of $1324 for full comprehensive insurance. Better than the $1658 they quoted me on earlier...
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Location:
Sydney
Registered:
July 2002
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Re: Good Insurance company for under 25s
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Thu, 10 April 2003 02:40
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I currently have 3 cars and home-contents insured with NRMA.
All the cars are third party property.
ONLY $220 per year.
1988 3L Turbo imported Supra $220
1984 MA61 Supra $220
1984 Ford Laser $220
I have 5 speeding fines in 6 years, and I am 23.
I couldnt believe it when NRMA said they would insure my Turbo supra !!
Full comp for agreed value of $22,000 (yes, they agreed to 22 thousand after inspecting it) for my 1988 MA70 Supra with wheels and stereo with NRMA, the quote was $3,800.
$3,200 without wheels or stereo covered it for $18,000.
Or $2,700 for market value of $12,000
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Membership Secretary
Location:
Sydney
Registered:
June 2002
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Re: Good Insurance company for under 25s
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Thu, 10 April 2003 09:59
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Guys a firm that hasn't been metioned is GIO i rang them and they were buy far the cheapest for me to insure a 69 crown custom wagon with rims and my very shit, expensive driving record.
It was $600 for third party property. I'm 20
Mani
compulsary 3rd party means that if you hit someone the driver and his passengers medical bills are covered. You pay for your car their car and, I think yours and your passengers medical bills. You also pay for any power polls and traffic lights you hit (read expensive)
3rd party property You are covered for; their car, their and passengers medical bills, any traffic lights, power polls, anyones property that is damaged and your passengers medical bills. You still have to pay for your car and your medical bills
Full Compo You are covered for everything everyones medicals, all the cars, any property that is damaged and quite possibly theft of your vechile.
To my knowledge this is right I may be wrong.
(don't take this as gospel)
Just talk to the insures
hopes this helps
Luke
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Location:
Sydney
Registered:
June 2002
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Re: Good Insurance company for under 25s
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Thu, 10 April 2003 12:16
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guys, i went and told nrma about my mods today and they cancelled my cover.
nrma said my wheels were too wide 16x7" where max width is 6.5"
they also said i lowered it too much. 1.5" lovells sports springs where max lowering is 1.25"
now where the hell can u buy 1.25" lowered springs???
thats just too anal retentive
i have 7 days to find new cover or no more driving...
i called up just cars and it cost 3800. i called a few other places and they flat out rejected me. blardy...
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Toymods Board Member
I supported Toymods
Location:
Turramurra, Sydney.
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Thu, 10 April 2003 12:22
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That's pretty much right, but a few important points:
Compulsory 3rd part personal: every car must have this to be registered, and it covers any person injured by your car, whether they are in it, in another car, or pedestrians.
Even then though it's only really for major injuries that may require lengthy rehab or a total change of lifestyle, both of which could cost millions, as we can all go & get injuries fixed at the local public hospital.
I am not 100% certain on this, but I imagine it would also cover yourself.
3rd part property just covers other peoples property, cars, houses, etc, in this case I doubt very much that it would cover your own property. To get 3rd part property your car must be registered which means you must have compulsory 3rd part personal already.
Fully Comprehensive insurance is 3rd part propert PLUS it covers your car for anything, theft, accidents (your fault or not), fire, hail etc, unless specified. I have heard that a few places no longer include hail damage for Sydney anymore.
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Toymods member
I supported Toymods
Location:
Rydalmere, NSW
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Thu, 10 April 2003 12:37
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| Quote: |
now where the hell can u buy 1.25" lowered springs???
thats just too anal retentive...
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That's NRMA for ya... precisely why I'm NOT with them anymore. 
As for 1¼" lowered springs, go to AllSprings in Liverpool - they'll do them for you. They just fixed up my rear end on the RAV4 as well, by exactly 1¼"... now the bitch looks level. Too bad it's running on the rather ballsy raised version of Koni rear shocks... it's 60mm too high which is why I had to get the rear springs re-set. I'm never trusting Opposite Lock (or Whiteline for that matter) again.
You don't have to tell them everything about you - hellI don't and they've never checked on me...
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Toymods Board Member
I supported Toymods
Location:
Turramurra, Sydney.
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Thu, 10 April 2003 12:46
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They'll check if/when they have to fork out shitloads.
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Toymods member
I supported Toymods
Location:
Rydalmere, NSW
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Thu, 10 April 2003 12:55
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Depending on the company, your record is researched between 3 and 10 years (usuallly 5 though) if you're in a bingle. If you're a shit driver, then by all means be honest with them, if it saves your ass from all the associated complications in the end if/when you get into an accident.
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Toymods Board Member
I supported Toymods
Location:
Turramurra, Sydney.
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Thu, 10 April 2003 13:53
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If you're not a shit driver, then why bother getting it at all?
Also I'm not talking about a bingle, I'm talking about something that will not ever happen to most of us, something that would leave you up shit creek for most of your life.
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Location:
Sydney
Registered:
May 2002
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Re: Good Insurance company for under 25s
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Fri, 11 April 2003 07:18
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Thanx Luke and Joel
That cleared it nicely
so far Just cars is cheaper for my 3rd party
ive been with shannons for a year with 3rd party....and they said i get no discount....bloody tightasses....$754
i called just cars.....$650
Schweet as
Ta
Mani
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