***NOTE ABOUT INSURANCE***

[toofast]

Well the car has the LVV cert for the suspension, so no problems there. I can't imagine I would do any real modifications, since most my time will be spent just fixing up stuff the previous owners have done, as well as making the car look a bit sharper. That being said this car is pretty much some temp car i bought to drive to work, and the only reason it has mods are it was just priced so well, it was a solid buy in terms of resale. But i do plan to get a nicer car in half a year or so, so it would be nice to remain with the same company if i did go the mods route.  

I will probably give clic a call 2mrw or so, and see what they can do. I will probably stay away from state. The only reason i even went that route is my parents are on everything with state (cars, H&C etc), and they said i could probably get a good pricing just going under their plan, and paying them. But it might just be easier to go with another company.

[BerG]

Im with NAC.

5 star alarm got me down to $1500 theft excess (from $5000?). Just had a cracked windscreen which was sorted with a very easy 2 min phone call.

May smash windscreen again soon so I can once again enjoy the service.

[Lias]

FWIW, if any of you are 30+ and have had your full license for 2 years, classic cover is just about guranteed to be your cheapest option. Specialise in classic cars, modded cars, and bikes. Halved my bike insurance.

[DeeUnit]

Just rang clic, would be the same price as NAC, $1300 a year premium.


God knows how you managed to get off $50 a month at State for full cover codex

[mattnz]

Because his car is largely unmodified I suppose.

[Ares Helix]

Im with NAC.

5 star alarm got me down to $1500 theft excess (from $5000?). Just had a cracked windscreen which was sorted with a very easy 2 min phone call.

May smash windscreen again soon so I can once again enjoy the service.

That's impressive mate. My quoted excess for theft was $4,500 after taking into account its 5 star alarm.

Lias - I've looked into that, but the only way they'd cover me is if I drive the car for less than (from memory) 5,000 a year.

[Codex]

Just rang clic, would be the same price as NAC, $1300 a year premium.


God knows how you managed to get off $50 a month at State for full cover codex

Luck I guess xD

Because his car is largely unmodified I suppose.

Only mod is exhaust and tein adjustables (fully certed)

Also what nz considers a 5 star alarm isn't even allowed to be sold as a one star in most other countries lol avs and mongoose being some of the bads, uniden being the worst >_>

[Greaver]

None of the usual's wanted to know about me, Clic and NAC were going to give me insurance but it was going to be pretty expensive

Amazingly, even though I have lost my licence three time in the last 5 years State insured me (age 23) for $860 with a $900 excess across the board

Car is a 2003 Legacy GT E-Tune (In other words a twin turbo 280hp GT-B with lots of cosmetic shit and a short shifter) manual with exhaust, non standard subbie rims, sounds etc - Insured for $13,900 (their valuation) even though I got it for $10,000

Only has the standard Subaru semi-alarm with immobiliser too

[Zarkov]

State take your money, but not always so keen to pay out.

[Black Heart]

^Yea, they probably have their deny claim stamp & reason for denial all sorted, before they even offered to insure you.

[Codex]

None of the usual's wanted to know about me, Clic and NAC were going to give me insurance but it was going to be pretty expensive

Amazingly, even though I have lost my licence three time in the last 5 years State insured me (age 23) for $860 with a $900 excess across the board

Car is a 2003 Legacy GT E-Tune (In other words a twin turbo 280hp GT-B with lots of cosmetic shit and a short shifter) manual with exhaust, non standard subbie rims, sounds etc - Insured for $13,900 (their valuation) even though I got it for $10,000

Only has the standard Subaru semi-alarm with immobiliser too

Ask any dealer, none will be able to tell you difference between third gen gtb and third gen gtb e tune, the only difference I could ever find from both factory specs was skirting is different rofl.

[Sanzie99]

So ASB/IAG just dumped me today because my car is too modded... sigh...

So I've filled out the quote form for NAC and Club Auto.

But who would be better NAC, CA or CLIC?

[mattnz]

Clic is a lot cheaper than NAC for me.

[toofast]

So someone hit the side of my mums parked car, and she went to her insurer (state), and they said they will fix it (as expected), but that she (and my dad cos they share a policy) will lose their no claim bonus, and expect to pay $300 odd more a year. Is this correct for insurers. To me it makes sense to only lose your no claim bonus, if the accident is your fault.

[Codex]

I thought since they claim was in your favour you wouldn't lose no claims since it's their insurance company that should be fixing it?

[mattnz]

Well not really. Unfortunately they've only got your mum's word for it that it was someone else, and they'll probably see it like that.

[Apostrophe Spacemonkey]

I'm not to sure how you could manage to hit the side of your own parked car.

[Bounty Hunter]

I'm not to sure how you could manage to hit the side of your own parked car.

MUM BUSTED DRIFTING!

[toofast]

Yea sounds like the insurance has said something similar. And with no parking lot camera, seems like they gotta take the loss of no claims bonus.

[Codex]

Just in case no one has noticed, the NZ star rating system for car alarms is now null and void, it means nothing and the industry now has 0 moderation.

[toofast]

So anyone got any updates on good/bad insurers. Bought a new car(skyline gts20 manual), and not sure who to go with. Car has slight modifications, 4 average mags, full exhaust, lowered ever so slightly on springs.  

State's online system has given me $52 a month (but i am assuming they will bump it up a little on the phone). AMI/Club auto (through tower) gave me $80. Kiwibank (through tower as well) gave me $120. At the moment state seems the obvious choice, but i am always weary of going with them. So anyone who has any advice (especially for a sligthly modified car which always gets the awkward questions).

[Zarkov]

3rd party?

[toofast]

Full insurance.

[Growler]

State always been good for me with vehicle. Can't fault them there.

[Obble]

State quoted me $60 for full for a r34GTT on their online system, they wanted closer to $100 over the phone due to the mods. Club Auto have been pretty good about modifications from others i know who have ended up with them (as long as they're legal), they offered me $80 a month. I missed out on the car though