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The Pub For General Automotive Related Talk |
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31-10-2006, 12:55 PM | #1 | ||
Merry Xmas To All
Join Date: Feb 2006
Location: Melton South, Moderator: ORSM Club
Posts: 3,413
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Well, totally dismayed. Changing from my current insurer, who cannot continue to insure due to mods. So I call Shannons, a site sponsor. Who will cover the mods, and I'm going through all the details over the phone, when comes the question. "Is the vehicle kept in a locked garage?" "No it's a carport" was my reply. "I'm sorry sir, we can't insure your vehicle." WTF They'll cover all my mods, but because I don't have a garage I'm F'd. Now I've heard it all. So the T is sidelined 'till I can insure it. Been with Just Cars, and they charge like a wounded bull.
I have never heard such crap in my life. I could have worn an extra charge for not complying will this rule, but to be denied access to a prefered insurer for such a trivial detail is insane.... : : : : : : Last edited by ORSM T; 31-10-2006 at 01:01 PM. Reason: spelling |
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31-10-2006, 12:57 PM | #2 | ||
You win again, gravity!!!
Join Date: Apr 2005
Location: Craigieburn, Melbourne
Posts: 2,511
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Call back and tell them you are having a lockable garage built next week... Insurance companies suck...
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1994 ED Ghia SOON TO BE A TRACK CAR
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31-10-2006, 01:00 PM | #3 | |||
Merry Xmas To All
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Location: Melton South, Moderator: ORSM Club
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31-10-2006, 01:04 PM | #4 | ||
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Join Date: Mar 2006
Location: Brisbane
Posts: 6,197
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Being totalled shouldn't matter (unless it happens in your driveway!). Their need for garaging is for fire & theft & vandalism I would assume. I use NRMA, they approved all my mods and were fine with the car being parked in the driveway.
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31-10-2006, 01:04 PM | #5 | ||
FF.Com.Au Hardcore
Join Date: Sep 2005
Posts: 914
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Try QBE mate, they have been excellent for me.
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31-10-2006, 01:04 PM | #6 | ||
Regular Member
Join Date: Oct 2006
Posts: 69
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Mate, escalate the call to a supervisor, all insurance companies are flexable enough if you follow these simple rules..
A- Speak to the right person B- Tell the truth, not the whole truth.. The truth - Yes, it is keept in a locked garage ... The whole truth - Yes, it is keept in a locked garage, when I go to my mates place once a year.. In all honesty, I would call again and escalte the call, if you have a good insurance history etc I would be surprised if they didn't have a re think.. |
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31-10-2006, 01:07 PM | #7 | |||
Banned
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Posts: 4,377
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31-10-2006, 01:09 PM | #8 | ||
OzEcruisers PRESIDENT
Join Date: Mar 2005
Location: Melbz
Posts: 15,761
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Hmmmm Hot Modified Car parked where people can see any it anytime it is parked at home be that 24/7
Compared to Hot Modified Car parked in a garage where no on can see it Do that math with the risk.................................Insurance Company's aren't stupid
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1994 Ford Fairmont EF NA 6cyl Man 3.9 diff Sedan PROEF 13.46 @ 105.78mph Tuned by DYNOMOTIVE 200BUX - AFF Drag Nats 2019 EF Wagon
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31-10-2006, 01:11 PM | #9 | ||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,431
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Pfft like a locked garage is going to stop someone who really wants to steal or damage it! May be harder, but it won't stop them.
You a pay premium (in my case extremely high), what business is it of theirs to say how it is stored/parked. I've got an open carport for my car. Having it in a locked garage wouldn't make me feel any more comfortable. |
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31-10-2006, 01:14 PM | #10 | ||
RIP Craig - 13/11/08
Join Date: Feb 2005
Location: Kilmore, 30 minutes from Heathcote Raceway
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Seems odd to me Kev, i would call back and ask for a proper explanation from someone in charge, not a phone jockey.
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31-10-2006, 01:16 PM | #11 | ||
OzEcruisers PRESIDENT
Join Date: Mar 2005
Location: Melbz
Posts: 15,761
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Here we go again - The Bad Bad Insurance company's
How to steal a car when its in a locked garage 101 You have to break in some how without making noise - thats very hard so you go "oh well lets go to that other car in the carport and nick the wheels as its MUCH EASIER..........." :togo: :
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1994 Ford Fairmont EF NA 6cyl Man 3.9 diff Sedan PROEF 13.46 @ 105.78mph Tuned by DYNOMOTIVE 200BUX - AFF Drag Nats 2019 EF Wagon
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31-10-2006, 01:18 PM | #12 | |||
FF.Com.Au Hardcore
Join Date: May 2005
Posts: 3,150
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you own a hot car and keep it outside under a carport, very risky ,of course an insurance company like shannons will take a dim view of it,anyone can see it and of course damage or steal it,so there risk goes from medium to extreme.
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31-10-2006, 01:20 PM | #13 | ||
Irregular member
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Location: Melbourne
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I had an examiner come to my house once to check something after an incident so I'm glad I didn't lie about where my car is kept. It could have meant a lot of hassle.
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2000 AU II FAIRLANE 75th ANNIVERSARY - big and shiny My hovercraft is full of eels! Movie Car Chase of the Week: Gene Hackman driving a 1971 Pontiac LeMans to chase an elevated train in The French Connection (1971). |
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31-10-2006, 01:20 PM | #14 | |||
FF.Com.Au Hardcore
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31-10-2006, 01:23 PM | #15 | |||
FF.Com.Au Hardcore
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Location: QLD - Townsville
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just think would you insure a beautiful car that draws attention then on top is modified then is out in the cold where the select few have access to, i think its fair they declined you. but hey if you were happy to pay extra to cover your car under a carport wouldnt it be easier to spend $2-4k on a lockable garage....you prob spent 3x that on the car so why not pay for your own little bit of insurance....a garage
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31-10-2006, 01:23 PM | #16 | |||
Banana
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Location: Wandin North, VIC
Posts: 2,031
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There's no fraud being committed here. If he makes a claim and is found to have lied....claim denied... no payout....insurance company makes more money...not less!!!
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31-10-2006, 01:24 PM | #17 | |||
Merry Xmas To All
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Location: Melton South, Moderator: ORSM Club
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31-10-2006, 01:28 PM | #18 | |||
Merry Xmas To All
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Location: Melton South, Moderator: ORSM Club
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31-10-2006, 01:35 PM | #19 | |||
Merry Xmas To All
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Location: Melton South, Moderator: ORSM Club
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31-10-2006, 01:37 PM | #20 | ||
Merry Xmas To All
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Location: Melton South, Moderator: ORSM Club
Posts: 3,413
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So who wants a quick T?
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31-10-2006, 01:48 PM | #21 | ||
Secret Sleuth
Join Date: Aug 2006
Location: Sydney
Posts: 306
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Umm you could always just say you have a locked garage at home. The only time it would matter to them is if the car got stolen from your carport. If this did occur you could always say it got stolen from the local shopping centre or train station ect when making the claim.
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31-10-2006, 01:55 PM | #22 | ||
FF.Com.Au Hardcore
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Location: Melbourne
Posts: 2,256
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Try Vigil, i went through the same crap with shannons, no garage, no insurance.
Vigil are even better if you have an old car, but they insure any car, especially modded ones, and they are good on price. |
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31-10-2006, 02:06 PM | #23 | |||
Merry Xmas To All
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Location: Melton South, Moderator: ORSM Club
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31-10-2006, 02:14 PM | #24 | ||
not here much anymore
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ORSM T, send me a pm.....
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31-10-2006, 02:14 PM | #25 | ||
Merry Xmas To All
Join Date: Feb 2006
Location: Melton South, Moderator: ORSM Club
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Vigil does not insure Ford XR6.... Was the error on the website.
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31-10-2006, 02:20 PM | #26 | ||
FF.Com.Au Hardcore
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Location: Melbourne
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Ring them, dont bother with the website crap!
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31-10-2006, 02:20 PM | #27 | ||
Regular Member
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Posts: 82
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Mate try Just cars again, I am 31 years old with more mods than you would have and the ute is insured for work purposes and I pay $1,700 a year and it doesn't have to be in a lockable garage. That's not a bad deal as I have all of my mods listed.
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11.79 @120 mph, not bad for a tradesmans ute! |
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31-10-2006, 02:21 PM | #28 | ||||
Regular Member
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As for the people that are giving him grief about having a whinge about an insurance company, ow woe is them my a$$, they make money hand over fist and accepting low and high risk balances it's self out short, mid and long term. I was an assessor for the NRMA after I left the motor trades as a stepping stone in to the corporate world, and mate I have plenty of stories about how stuff works in the real world of insurance, As with everything ORSM T, it's about people and approach, policies are always flexable enough to accomodate exemptions and exceptions, if your anything like half of us, take 3 deep breaths before you make the call again |
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31-10-2006, 02:24 PM | #29 | ||
Non-Regular Member
Join Date: Oct 2006
Posts: 1,040
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Have you tried Just Cars?
They claim to insurance just about everything. |
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31-10-2006, 02:29 PM | #30 | |||
Merry Xmas To All
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Location: Melton South, Moderator: ORSM Club
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