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The Pub For General Automotive Related Talk |
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03-10-2006, 01:24 PM | #1 | ||
FF.Com.Au Hardcore
Join Date: Mar 2006
Location: Brisbane
Posts: 517
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ok here is where it gets stupid.. for my G/F to insure her sisters honda accord 93 model, 2.2L 4cyl.. is between $2500-3000 dependding on who quotes us.. this is stupid.. she is 19 and what really pises me off is that she can insure my 5speed, 4.0L 90 model falcon with 150kw for $1400-1500 depending on insurere ... this is for full comp and for 12months insurance.. WTF i know its because its a honda but this is rediculous.... she could kill herself allot quicker in my car than that ****y honda :
wats your opinion Jasinex
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EA Series 2 now with fast parts added... Stage 1: Buy car. with money. Stage 2: Put in Wade Custom Cam, Crow Double Valve springs, High Flow Head, 3.23 LSD, 2.5" mandrell bent with Mercury muffler and custom made CAT, iridium plugs, nolothane bushes, Koni suspension, CAI.. NOW WITH MPFI....OHHH YEAHHH!! Stage 3: More engine mods.. and a fresh new look... can't wait.. :eclipsee_ : :Reverend: 15.43 @ 89 mph - Willowbank Raceway 07/03/2007
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03-10-2006, 01:27 PM | #2 | ||
Official AFF conservative
Join Date: Dec 2004
Location: Adelaide, SA
Posts: 3,549
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Sounds like your g/f needs to thank all the similar people with similar cars who have made the insurance companies very wary about offering cover to her.
Must have been a lot of 19yo females crashing honda accords for the last decade!! Unless she has speesing fines or previous claims etc which are working against her, in which case i'd say 'tough luck'.
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A cup half empty... but full of euphoria. |
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03-10-2006, 01:31 PM | #3 | ||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,457
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Also Honda's are not Australian built cars. I wanted to buy an Integra Type R and it cost more to insure than a Monaro CV8. I believe country of origin has some effect on premiums. It would be a lot easier and cheaper to get parts for your Falcon than it would for the Accord in general.
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03-10-2006, 01:32 PM | #4 | ||
FF.Com.Au Hardcore
Join Date: Mar 2005
Location: The Alice, NT
Posts: 568
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damn thats expensive!
has she had driving offences or accidents, which may be why its so expensive? for a car that age I wouldnt be looking at full comprehensive insurance. maybe third party, fire & theft insurance, would be a much cheaper option for her. |
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03-10-2006, 01:32 PM | #5 | ||
FF.Com.Au Hardcore
Join Date: Jul 2006
Location: Gren A Waverrey
Posts: 2,415
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The insurance fee is worth the value of the car.
Have you tried looking at other insurance companies? I had a colleague at Uni who tried to insure his VP Commodore (at 26 years of age) and one company quoted him for like 3000 comprehensive at rating six, despite having a clean record. ANother company whacked 1000 off and gave him a rating 3 or 4 (don't remember). So it pays to shop around. |
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03-10-2006, 01:35 PM | #6 | ||
FF.Com.Au Hardcore
Join Date: Mar 2006
Location: Brisbane
Posts: 517
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yea i have looked around at many other insurance companies all vary between $2500-3000... she has no driving offences or previous claims.. which is why i dont understand that a 4L 5speed with 150KW is half the price of a 2.2L Auto 4cyl... doesnt make sense
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EA Series 2 now with fast parts added... Stage 1: Buy car. with money. Stage 2: Put in Wade Custom Cam, Crow Double Valve springs, High Flow Head, 3.23 LSD, 2.5" mandrell bent with Mercury muffler and custom made CAT, iridium plugs, nolothane bushes, Koni suspension, CAI.. NOW WITH MPFI....OHHH YEAHHH!! Stage 3: More engine mods.. and a fresh new look... can't wait.. :eclipsee_ : :Reverend: 15.43 @ 89 mph - Willowbank Raceway 07/03/2007
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03-10-2006, 01:40 PM | #7 | ||
You win again, gravity!!!
Join Date: Apr 2005
Location: Mickelham, Melbourne
Posts: 2,513
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I know how you feel, it was more expensive for me to insure my stock ED Gli 4.0, than it was to insure my mildly modified 5.0 NC Fairlane. I didn't have any claims or offences...
I guess the solution is to sell the honda and get a ford:P But im biased...
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1966 Fairlane 500 XL
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03-10-2006, 02:17 PM | #8 | ||
Regular Member
Join Date: Sep 2006
Location: Gold Coast
Posts: 125
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I still think the most ridiculous is GIO. $4,300 p/a for a 17 year old with no driving history (Ref. to my signature for specs). I went with NRMA for $2,100.
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2007 - 2009: BA Falcon Futura Sedan 2009 - 2012: Honda Accord VTI-L 2012 - 2013: G6E Turbo 2014 - 2014: AUII Futura SR 2015 - 2015: Kawasaki Ninja 650RL 2016 - 2016: Kawasaki Ninja 300 2018 - 2018: VZ Holden Commodore 2019: FG G6 Falcon |
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03-10-2006, 02:21 PM | #9 | ||
Guest
Posts: n/a
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Paying $3100 to insure the Focus.
Cheapest I could get it next year(when I turn 20) would be around $2200 and thats putting my GF with perfect driving record as the youngest driver. It would still be 2800 if I just put myself. |
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03-10-2006, 02:27 PM | #10 | |||
Formally Kia Chaser
Join Date: May 2005
Location: Newcastle
Posts: 2,493
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Quote:
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Kia Grand Carnival (2006) Silver, Grill Mesh, Tints, Sidesteps (with lights), Towbar, 7" Touch Screen DVD Tuner with intergrated GPS & Bluetooth, Roof Mounted Flip Down 15.1" LCD Screen, Reverse Camera - 184Kw HSV Clubsport R8 VY (2003) Black, 6sp Manual, Coulson Seats, Red on black interior, Pacemaker extractors, Twin 2.5" exhaust, Custom Red 20" VE GTS Rims, Custom Red Stitching
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03-10-2006, 02:27 PM | #11 | |||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,457
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Quote:
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03-10-2006, 02:38 PM | #12 | ||
FF.Com.Au Hardcore
Join Date: Aug 2005
Location: Barossa Valley, South Australia
Posts: 3,381
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I'm paying just over $300 for comprehensive insurance for my EL Falcon for a year. Living in the country helps a little bit. The XE is $170 3rd party fire and theft for a year. The Peugeot is just under $600 for comp insurance for the year.
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Cheers, Sam. |
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03-10-2006, 03:07 PM | #13 | ||
Right out sideways
Join Date: Dec 2004
Location: Coffs Harbour NSW
Posts: 5,307
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also take into account where you live !
If i moved to sydney, i would have to pay nearly 4 times as much for my cars, and i have 65%NCB
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2010 FG XR50 Turbo | 2007 FPV BFII GT, BOSS 302 |
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03-10-2006, 03:10 PM | #14 | ||
Starter Motor
Join Date: Sep 2006
Posts: 24
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why doesnt she just have third party fire and theft? Seems crazy to pay $3000 for a car worth $10000 or $15000 or whatever.
I wouldnt and dont bother insuring anything comprehensively when the cost is around 5% or more of the value. Thats about my figure. Ive got a 1 year old BMW bike worth $14,000 and wouldnt even dream to insure that. The best I could do was around $2200. No way. I'll just have third party for $150 and pay for my own damage. (unlikely). Right offs arent that common. Pulling figures out of the air.. perhaps 5% of crashes write cars off? For the other 95% if it was my fault I'd fix the damage myself cos its not likely to be major. Dont forget the huge excesses you have to pay with insurance too. Now, sadly I did drop my bmw motorbike going off a gutter at about 20kmh.... lol, If it was insured for a year there goes $2200, plus there goes $400+ for the excess. I scratched 2 painted parts, cracked another, broke 2 blinkers and my clutch handle. It cost a grand total of $130 to fix to back pristine condition. It was my fault, so if I had insurance my premium would have gone up as well. Insurance really doesnt seem to work out for me. I have all the spray gear and anything else I could need to do repairs. |
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03-10-2006, 03:16 PM | #15 | |||
Guest
Posts: n/a
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Having bought it with a loan, it adds $6-700 onto the yearly premium Last edited by BlackLS; 03-10-2006 at 03:40 PM. |
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03-10-2006, 04:23 PM | #16 | ||
Tickford 220kw Windsor...
Join Date: Aug 2005
Location: Sunnyvale - Housing Commission.
Posts: 4,269
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Holy Crap, those figures suck......
I pay $300 for full comp. on my work ute And it's less that $1000 for my XAGT Coupe, with an agreed value of 100k on full comp.
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1972 Falcon XY GT 351 Clevo 4V Big Port, 4 Speed Top Loader Manual, Ice Blue.... 2002 Tickford AU Series III XR8 220kw Windsor, 5 Speed Manual, Liquid Silver... __________________ AU Tickford Facebook fan page.. https://www.facebook.com/#!/home.php...25060040851023
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03-10-2006, 04:27 PM | #17 | ||
Critical Thinker
Join Date: Jan 2005
Location: Adelaide
Posts: 20,387
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Im driving a Japanese built car (2000 subaru) and all I pay is $600 per year, rating 1 with AAMI. I also get free windscreen cover per year and cheap car rental hire ($10 per day) in case of an accident.
If she is getting charged in the thousands for a early 90's car then she is getting ripped.
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"the greatest trick the devil pulled, is convincing the world he doesn't exist" 2022 Mazda CX5 GTSP Turbo 2018 Hyundai Santa Fe Highlander 1967 XR FALCON 500 Cars previously owned: 2021 Subaru Outback Sport 2018 Subaru XV-S 2012 Subaru Forester X 2007 Subaru Liberty GT 2001 AU2 75th Anniversary Futura 2001 Subaru GX wagon 1991 EB XR8 1977 XC Fairmont 1990 EA S Pak 1984 XE S Pak 1982 ZJ Fairlane 1983 XE Fairmont 1989 EA Falcon 1984 Datsun Bluebird Wagon 1975 Honda Civic |
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03-10-2006, 05:35 PM | #18 | |||
my other ride is the bus.
Join Date: May 2005
Location: Under a rock.
Posts: 1,367
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NRMA wanted $3,800 p/a for comprehensive on my ED Ghia.
The car only cost me $3,100.
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1994 ED Fairmont Ghia (Retired to the shed...) 1999 AU Futura + Lots of Land Rovers Quote:
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03-10-2006, 08:31 PM | #19 | ||
FF.Com.Au Hardcore
Join Date: Mar 2006
Location: Brisbane
Posts: 517
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aami wanted 2800 for the honda and 1500 for my ea.... which is twice as big... twice as fast and i cant see how they justify that ... maybe yes honda parts are more expensive... but thats wat we pay insurance for... for the incase of an accident... there is no need to be ripping people off like that.. i mean it will cost me 2800 to insure my ea if i turbo it or charge it.. but thats understandable... if your looking at the 200-300 kw factor... but not on a 4 cyl accord
and we also live in brisbane ... in a nice area too.. so theres no chance of theft or damage.. pus its garagd( option was on quote)... just retatded
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EA Series 2 now with fast parts added... Stage 1: Buy car. with money. Stage 2: Put in Wade Custom Cam, Crow Double Valve springs, High Flow Head, 3.23 LSD, 2.5" mandrell bent with Mercury muffler and custom made CAT, iridium plugs, nolothane bushes, Koni suspension, CAI.. NOW WITH MPFI....OHHH YEAHHH!! Stage 3: More engine mods.. and a fresh new look... can't wait.. :eclipsee_ : :Reverend: 15.43 @ 89 mph - Willowbank Raceway 07/03/2007
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