insurance companies

[papa_]

wondering who everyone is with?

post some details!!

my s2k is insured with:
AAMI Rating 3
Agreed Value is $45,000
Prem = $1432 (with just car discount and skilled driver discount)
excess = $950 (standard $450 + age $500)

im 20 yrs old in august

[.::F[L]Y::.]

what yr model is your car?

[98octane+]

That's pretty good i reckon, base on 20 yrs old. I just got mine with AAMI last week. $120 monthly payment, with $1020 excess ($500 standard, $550 plus flexi) and i'm 27 this year. Ofcourse if I paid once off will be slightly cheaper.

[ludecrs]

I have mine right here infront of me actually.

my s2k is insured with:
Just Car Insurance
Rating 1
Agreed Value is $35,900
Prem = $1288
excess = $1150 (standard $400 + age $350 + wheels $400)

Please note: carbon fibre rear diffuser, and carbon fibre mirrors fitted to your car are excluded from coverage.

Aged 23 as of 2 months ago.

[papa_]

Y::.;1600990']what yr model is your car?

i have a '03

[papa_]

I have mine right here infront of me actually.

my s2k is insured with:
Just Car Insurance
Rating 1
Agreed Value is $35,900
Prem = $1288
excess = $1150 (standard $400 + age $350 + wheels $400)

Please note: carbon fibre rear diffuser, and carbon fibre mirrors fitted to your car are excluded from coverage.

Aged 23 as of 2 months ago.

probaly the cheapest ive seen since ive been working there

[ludecrs]

It was $1288 last year too.

Bastards didn't even give me a discount!

[papa_]

..lol

[zero33]

did an online quote with AAMI???

i dunno if i did something wrong?

$10252 pa?

25 yo.
$32K
No mods
+ Alarm?

Theres gotta be a bug in the system?

[philBo]

10g's? what on earth is with that... maybe you put in wrong details, such as your NCD?

[DNTBLO_S2k]

i have 01 modell
insured with ammi for 40k
im paying around 4000$.
its under my dads name but the car can be claimed by anyone. im 19 so it was way too much under my name.
would love to find someone cheaper

[yellows2k]

guys, this all depends on where u live, nsw is always a lot higher than qld and wa. please add ur location to give a better indicator

[eriktufa]

Suncorp

Agreed Value : 42k with some mods
excess: 450 I think
Premium: 1100 with free rent car and windshield option
Location: WA

[genghiskhan]

2001 s2k living in sydney GIO
$2500
excess over 2k i fink
im 17 under my old mans name

[amirul]

wow WTF looking @ all of urs premium, look like i got rape hard core by NRMA............thanx heaps for this thread to exist man. gotta chnage my insurance broker now........and im 23yrs. some younger ones even got cheaper than me.....this if F^%ked!

http://img530.imageshack.us/img530/4388/lastscanbc8.jpg (http://imageshack.us)
http://img530.imageshack.us/img530/4388/lastscanbc8.a13ed021b2.jpg (http://g.imageshack.us/g.php?h=530&i=lastscanbc8.jpg)

[ludecrs]

Holy shittttttttttttttttttttttttttt!!!!!!!


*gulp*

[.::F[L]Y::.]

damn!!!

10k per yr...what a joke.

when i was 21 i was paying $4000 a yr and i thought that was fckd....

[xtina]

"96 dc2"
prem: $1300
excess: std 500 i think, age 650 female und 25, 1000 vehicle
i get employee discount but the excess is ridiculous. i dont think i had a vehicle excess last yr..... i never got told about it. it just showed up on my renewal :s
im 21 in vic

the car is with just car insurance with a non std stuff on the car too

[papa_]

wow WTF looking @ all of urs premium, look like i got rape hard core by NRMA............thanx heaps for this thread to exist man. gotta chnage my insurance broker now........and im 23yrs. some younger ones even got cheaper than me.....this if F^%ked!

http://img530.imageshack.us/img530/4388/lastscanbc8.jpg (http://imageshack.us)
http://img530.imageshack.us/img530/4388/lastscanbc8.a13ed021b2.jpg (http://g.imageshack.us/g.php?h=530&i=lastscanbc8.jpg)

woooo...give us a call at just car we will definately beat that lol

[papa_]

2001 s2k living in sydney GIO
$2500
excess over 2k i fink
im 17 under my old mans name

try just car...it will be cheaper in ur name but the excess will be the samee

[krogoth]

wondering who everyone is with?

post some details!!

my s2k is insured with:
AAMI Rating 3
Agreed Value is $45,000
Prem = $1432 (with just car discount and skilled driver discount)
excess = $950 (standard $450 + age $500)

im 20 yrs old in august

ehhh???

19 years old? $1432??

wat is that for? 3rd party??

skilled driver?? 19 year old skilled driver?????

im very confused

[vtek]

yeah that is cheap..

[yellows2k]

i hope u didnt pay that premium of $10k, nrma is terrible anyway

[-parkes-]

:eek: dude... you got poked in the bum...

I'm with AAMI, I pay $800 and something for the year. But i'm over 25 :o

by a year :D LOL

[ap]

mate, are you seriously paying 10k+ a year LOL.

have you not called up other insurance companies hahah

[genghiskhan]

DAM 10GRAND thats some f***d up shizz man lol

[amirul]

i hope u didnt pay that premium of $10k, nrma is terrible anyway


nah luckly im paying monthly, but fark that since nov.

definately sorting this shyte out on monday!

[amirul]

:eek: dude... you got poked in the bum...

that aint poked man, i got raped!

that havent include my rexy too............

[Si1enzio]

OMG DUDE... in 2 years go you can buy another s2k lol

[papa_]

ehhh???

19 years old? $1432??

wat is that for? 3rd party??

skilled driver?? 19 year old skilled driver?????

im very confused

skilled driver discount if u complete a skilled driver course with aami they give you a 10 percent discount

and its a comprehensive policy...third party is like 300 bucks

[krogoth]

im saying, wen i was looking for insurance for a civic wen i was 18, the cheapest full comp insurance i could find was like $2200

hmm, the aami idea sounds good

[zero33]

wondering who everyone is with?

post some details!!

my s2k is insured with:
AAMI Rating 3
Agreed Value is $45,000
Prem = $1432 (with just car discount and skilled driver discount)
excess = $950 (standard $450 + age $500)

im 20 yrs old in august

I don't understand??

HOw is this possible? I'm 25, and they want $9000 bux?
Agreed Value $28000
Over the phone quote?

Can you hook a brotha up?

[zero33]

I have mine right here infront of me actually.

my s2k is insured with:
Just Car Insurance
Rating 1
Agreed Value is $35,900
Prem = $1288
excess = $1150 (standard $400 + age $350 + wheels $400)

Please note: carbon fibre rear diffuser, and carbon fibre mirrors fitted to your car are excluded from coverage.

Aged 23 as of 2 months ago.

OMG...
Just Car. - $2,630.00 P/A
Amount Covered $32,600
60+% NCB
25 yr
post code 2166

Standard Excess $600
Plus Vehicle Excess $2,000 (whats this for?)

[zero33]

Shannons best one so far..

$2250
34K Agree
With mods. Wheels, suspension, airfilter..

OMG..

[Si1enzio]

OMG...
Just Car. - $2,630.00 P/A
Amount Covered $32,600
60+% NCB
25 yr
post code 2166

Standard Excess $600
Plus Vehicle Excess $2,000 (whats this for?)

You have to pay $2000 just coz its an s2k on top of the standard excess, so if you did claim you have to pay $2600 excess. I'm on the same boat so dont worry too much lol

[chunsa]

Hey living in the 2166 postcode too.

That number does wonders for insurance :thumbdwn:

[ludecrs]

Shannons best one so far..

$2250
34K Agree
With mods. Wheels, suspension, airfilter..

OMG..

All my mods bar the carbon parts are included in the $1288 premium. :)

[zero33]

seriously I just don't understand?

Luder what postcode you at? i'm gonna try online again too see if its the area that makes it a $1000 bux difference..

RIDICULOUS... FFS so frustrating..

[yellows2k]

i said it before, anyone from qld or wa can forget about posting on this thread as those 2 states have very low premiums. nsw and vic are a lot higher, with nsw being the worst

[vtek]

Just cars have good premiums but they slug you on excess when you make a claim so it doesnt work out to be that cheap

[ludecrs]

Just live in a state where you don't have to make claims? lol :p

Post Code is 4208.

[troys2000]

Hey guys!
I am with Elders insurance and mine is a import 01 its around $1100 worth checking out (but i work at Elders real estate)
Green Slips are around $250 thru Allaince (not sure on the spelling) ITS SO CHEAP HALF OF THE NRMA!!

[zero33]

Hey guys!
I am with Elders insurance and mine is a import 01 its around $1100 worth checking out (but i work at Elders real estate)
Green Slips are around $250 thru Allaince (not sure on the spelling) ITS SO CHEAP HALF OF THE NRMA!!

WOW!!!!

Thats very impressive.. is Elders insurance open to the public or just the Elders employees?

Also how old are you ?

[BRU51N]

wow WTF looking @ all of urs premium, look like i got rape hard core by NRMA............thanx heaps for this thread to exist man. gotta chnage my insurance broker now........and im 23yrs. some younger ones even got cheaper than me.....this if F^%ked!

http://img530.imageshack.us/img530/4388/lastscanbc8.jpg (http://imageshack.us)
http://img530.imageshack.us/img530/4388/lastscanbc8.a13ed021b2.jpg (http://g.imageshack.us/g.php?h=530&i=lastscanbc8.jpg)

LOL!!!!!!!

Why on earth did u go ahead with this? ahhahah

[.::F[L]Y::.]

i live in sydney but park my car in qld.... LOL

[troys2000]

sorry am slow. I am not sure, it would be worth finding out, just call them. I am 26yo

[S2THSN]

those pricks from allianz.... Premium was $2500 and $3500 excess
Robbed!

[Civic99]

You guys should check with your workplace to see if they have some sort of employee fleet insurance scheme available.

Our staff get comprehensive for $650 per year flat, $400 excess with CGU regardless of age, vehicle model/type and declared value...bloody awesome!!

Does anyone know if these insurance companies actually factor car security mods into a discount? I heard of a good burgler deterent in south africa which shoots flames from the side of the car, may need some darker tints for that one hehe

[ludecrs]

I have mine right here infront of me actually.

my s2k is insured with:
Just Car Insurance
Rating 1
Agreed Value is $35,900
Prem = $1288
excess = $1150 (standard $400 + age $350 + wheels $400)

Please note: carbon fibre rear diffuser, and carbon fibre mirrors fitted to your car are excluded from coverage.

Aged 23 as of 2 months ago.


I just called up Just Car Insurance and requested to know how much it would add to the cost of my insurance policy premium if I were too boost it.

She asked me how much the S/c kit was worth, I told her $4000.

Taps the keyboard multiple times, and comes back with a reply of......












.........$9.00

Yes the decimal point is in the right spot. hahahaha $9. Then she goes, we wouldn't even charge you for it, we'd just add it to your policy to state it was supercharged.

She then asked if I need to change the ECU though. I said not yet, but at a later date when I run 9psi, yes. I told her the value, $2000, and she tapped away on the keyboard again, and said, it'd be an extra....













..........$14.00



And again she said they wouldn't even bother to charge me, just update my policy.

Sounds like a good deal? hahahaha

[vtek]

I wonder if they knew what a super charger is, have you tried claiming from them before are they strict?


I just called up Just Car Insurance and requested to know how much it would add to the cost of my insurance policy premium if I were too boost it.

She asked me how much the S/c kit was worth, I told her $4000.

Taps the keyboard multiple times, and comes back with a reply of......












.........$9.00

Yes the decimal point is in the right spot. hahahaha $9. Then she goes, we wouldn't even charge you for it, we'd just add it to your policy to state it was supercharged.

She then asked if I need to change the ECU though. I said not yet, but at a later date when I run 9psi, yes. I told her the value, $2000, and she tapped away on the keyboard again, and said, it'd be an extra....













..........$14.00



And again she said they wouldn't even bother to charge me, just update my policy.

Sounds like a good deal? hahahaha

[ludecrs]

Never made any claims in the past for anything.

[S2kane]

I got mine from Bingle.. full comp at just over a grand. agreed value 39k

[.::F[L]Y::.]

^^ thing with bingle is that everything is done online?? you dont actually speak to anyone? so what happens if you need to make a claim? how long would it take? do you know anyone with bingle thats had to make a claim? their prices are very cheap but there will be trade off's.

btw Ludecrs- how much is your car insured for?

[ludecrs]

It says in the quote man, $35,900.

[.::F[L]Y::.]

woops my bad. didnt see that part.

[CONAN]

I'm getting quotes for a 99 S2000 insured for $30,000.
Age 24, turning 25 next month. No claims before. Post code 2166.

Just car: $2200
AAMI: $10,950
NRMA: $10,420
Bingle: $2820
Shannons: S2000 does not exist in their list of cars - online quote.

Currently Just Car is by far the better one.

I've used Just cars before as an insurer, they seem alright. But I have not made any claims so I don't really have a verdict in that category.

Any other recommendations?

[ludecrs]

Probably better waiting a month til your 25 and trying the others then?

[ROLLED]

hmm...one thing I found out the other day is that in Vic, CTP is included in our rego, in NSW the rego is half the price it is here as CTP is included in the insurance premiums for people residing in NSW. So this means that in NSW the prices will be slightly higher as the premium has CTP included.

Not sure about other states...

and Shannons does insure the s2k, you need to call them.

[ROLLED]

btw, Just cars and Shannons are under AAMI...JCI is alright, they use AAMI approved repairers but they don't have any perks like discounts from car rental etc, or free windscreen replacement etc.

[.::F[L]Y::.]

soo still waiting on a review for bingle insurance

[ludecrs]

I did a quote for famous, but I think I have to ring up and quote the number given, as I can't see anywhere on their site where to enter the quote number?

[R8DXXX]

wow WTF looking @ all of urs premium, look like i got rape hard core by NRMA............thanx heaps for this thread to exist man. gotta chnage my insurance broker now........and im 23yrs. some younger ones even got cheaper than me.....this if F^%ked!

http://img530.imageshack.us/img530/4388/lastscanbc8.jpg (http://imageshack.us)
http://img530.imageshack.us/img530/4388/lastscanbc8.a13ed021b2.jpg (http://g.imageshack.us/g.php?h=530&i=lastscanbc8.jpg)


bro why bother with insurance with @ that price, ill rather get 3rd party fire theft under parents names so if something does happen to it parked this and that u neccesarily werent in the car so it doesnt matter whos names it under, and even if you do have an accident wat r the fkn chances man of the damage exceeding 10k and the questiion is wil u even have an accident man. fuk that go just car or do i wat i just wrote

[R8DXXX]

I just called up Just Car Insurance and requested to know how much it would add to the cost of my insurance policy premium if I were too boost it.

She asked me how much the S/c kit was worth, I told her $4000.

Taps the keyboard multiple times, and comes back with a reply of......












.........$9.00

Yes the decimal point is in the right spot. hahahaha $9. Then she goes, we wouldn't even charge you for it, we'd just add it to your policy to state it was supercharged.

She then asked if I need to change the ECU though. I said not yet, but at a later date when I run 9psi, yes. I told her the value, $2000, and she tapped away on the keyboard again, and said, it'd be an extra....













..........$14.00



And again she said they wouldn't even bother to charge me, just update my policy.

Sounds like a good deal? hahahaha

mate you better be careful, they act liek its nothing this that then wen its time to make a claim watch them hesitate, my cousin asked about 20s on his car they said yeah fine this that, then wen it was time to make a claim they said the rims wer fine only if roadworthy in his case no so no claim. there dodgy f*kers so be careful how u describe and get every detail

[chicken8]

when i had the car at age 22 or 23. under my name insured for 46k i was only paying around $1400 a year

i was with justcars first at around 1800. then changed to Ryno and it was around 1400 p.a.

[JMSBND]

I have my cars with Shannons. I pay something like $980.00 or $1070.00 orsomething per year. I am an old bastard rating 1 though, and my other cars get me a 10% discount. Then when I get my cams license it goes down again. Thats with the mods listed too. Next month I am insuring the house too, cheaper than AAMI again-and they have $10,000.00 enthusiast cover for my home workshop, tools hell even my old spares cars out the side if they are nicked!

[Zilli]

Shannons rocks!!! i swapped last week

[HRV-80Y]

Bingle doesnt allow for any modification what so ever. So no point insuring with them, then trying to make a claim and they reject your claim cause your car is modified.

JustCar seems to have the cheapest premium with AdJust premium, but excess suck due to the PlusVehicle excess of $2000.

[AHMARNI]

Hey guys,

I've been quoted some huge figures in the past as a 19 year old with VTEC :p but I just received a quote from Commonwealth bank insurance, who used to be underwritten by Allianz and was notorious for totally excessive prices.

To my amazement, they no longer use Allianz, so the yearly cost of insuring a 1999 s2k comprehensively in 5068 (safely tucked away in lil Adelaide, the place to live for cheap insurance!) with 2grand worth of mods done to it (their valuation of the car being $28000) is $1000 a year for me (female, now 21 years old) with a rating one.

I was all set to go with just cars (as I have done for years now) but apart from the fact that Commbank beat their yearly quote by $500, they have no such thing as a $2000 excess levy for it being an s2k like just cars do!!!!!! I would have been up for $2500 excess easy with just cars, but Commbank's excess for me is $300!! Win!!

Here's their number if you're as excited as I am :p 13 24 23
Oh and btw- their online quotes tend not to be as good- apparently they prefer over the phone details etc to give you the best quote- my online vs over the phone quote with Commbank was about $400 difference. It's definitely worth the phone call! I've never been so recommending of a bank :D

Hope that helps, cheers guys!

[xtina]

ok for you guys who are putting it under your parents name and the car is yours or you drive most you may aswel not bother insuring it wether you're looking at full comp or just third party......

i work for insurance and every insurance company have investigators if a claim is not in order. if they find out you drive the most and you are no where to be seen on the insurance you may be damaging your chances of having a claim accepted. i know of 2 insurance companies who are very strict on claims and they are popular companies.....

why bother risking a car worth $$$$ just to pay cheaper insurance and potentially not be covered.... i really just dont understand people who do this. what a waste of money in the long run if you do claim and you get denied. you're up shit creek to buy a new car

[papa_]

ok for you guys who are putting it under your parents name and the car is yours or you drive most you may aswel not bother insuring it wether you're looking at full comp or just third party......

i work for insurance and every insurance company have investigators if a claim is not in order. if they find out you drive the most and you are no where to be seen on the insurance you may be damaging your chances of having a claim accepted. i know of 2 insurance companies who are very strict on claims and they are popular companies.....

why bother risking a car worth $$$$ just to pay cheaper insurance and potentially not be covered.... i really just dont understand people who do this. what a waste of money in the long run if you do claim and you get denied. you're up shit creek to buy a new car

shes right i work for an insurance company aswell...its worth it putting it in your name

[RMN15N]

wholey shiet.. ive been looking around NRMA quoted me 5,700 pa
i just tryed a quote from commonweath under my mums name and it only came up on 28k agreed value ONLY 1,427 pa WOW


LOL.. then i added my name as a 2nd driver the quote jumped to 4,700

[insideOUT]

insurance sucks for sydney siders...
i got quoted $4500 for value of 42k.. crazy..

[Slash]

I have a 2002 DC5R
Agreed Value: $30k
65% No Claim Bonus
Age 30+

I was paying $1840, then I moved 10 minutes away.. increased by $164 (damn postcodes)
I also got quotes for a
Civic Sports - $1360
Accord Luxury w/satnav - $1640
Evolution X MR - $4048

[xtina]

i say suss out insurance before you purchase the car.. then add rego and the price of the car and in total see if you can afford it. if you cant afford to insure it then you cant afford to have it. full stop.

to be honest when i first got licence 3yrs ago my parents pushed me to get insurance and i didnt want it. now i see its not just the car your insuring but also the property damge you get with the policy aswel. wat hapens if you loose control and drive into some ones house... you got a lazy $100g + to pay for repairs for your car, their house and their compo they will try sue you for.
my old car was unsafe on the road.... it would turn off coz the weather was too hot and i coulnt steer (sold the car in the end) but what happens if i was in a situation where it hapened and i ran over a child coz i couldnt steer out of the way.
people are phsyco. what if you accidentaly cut some one off or took a park some guy been waiting for. you get back to the car and it vandelised. you might think you're a safe driver but you cant control the actions of others. if you on third party and your intrior ruined, new paint job needed, etc. third party wont even cover the peanuts in you glove box.

if you car worth around $10g + then go full comp.

[tadrosone]

ive heard that if you dont list a driver under the insurance and they have an accident like just say your mechanic, as long as you pay the highest excess you are covered. is that true for the people that work at insurance companies?

[papa_]

ive heard that if you dont list a driver under the insurance and they have an accident like just say your mechanic, as long as you pay the highest excess you are covered. is that true for the people that work at insurance companies?

mechanics are covered to drive

[STAiN MASTER]

I dont know if this is true, but if it is im willing to do this, shannons seems to be the cheapest and they only insure cars if you are within a group or club, why don't us a group do something like this so that we all get cheaper insurance?

would like to know if this is how shannons works and if people would be willing to do this?

I pay $1300 pa with justcars atm.

[crazy_legs]

I dont know if this is true, but if it is im willing to do this, shannons seems to be the cheapest and they only insure cars if you are within a group or club, why don't us a group do something like this so that we all get cheaper insurance?

would like to know if this is how shannons works and if people would be willing to do this?

I pay $1300 pa with justcars atm.

To be with shannons, they want you to be an ethusiast - when they say if you're in a group or club u say - OzHonda or another forum S2KI ......

Saw an ad for YOUI.com.au i might give them a call to get a quote.


___________________

Free web hosting > visit www.webrego.com

[STAiN MASTER]

To be with shannons, they want you to be an ethusiast - when they say if you're in a group or club u say - OzHonda or another forum S2KI ......

Saw an ad for YOUI.com.au i might give them a call to get a quote.


would you mind letting me know how you go?

[papa_]

youi is internet based you never get to speak to anyone

[STAiN MASTER]

WTF Shannon's didn't have "S2000" listed when I went to do an online quote.

[papa_]

haha they dont

they have pretty strict guidelines lol
You are the registered owner of the car.
Your car has no pre-existing or unrepaired damage and is in a good state of repair (except for Laid Up cover only).
Your car is for private use.
Your car is valued at $50,000 or less.
Your car is not for business use.
Your car has been insured in the last 30 days.
All drivers are aged 25 years or over.
None of the drivers have lost or had their licence suspended in the last 5 years.
None of the drivers have had a vehicle stolen or written off in the last 5 years.
None of the drivers have had any insurance cancelled or refused.
None of the drivers have had more than 2 motor accidents (including fire & theft) in the last 5 years.
None of the drivers have had more than 4 traffic infringements &/or offences (excluding parking fines) in the last 5 years.
None of the drivers have had criminal convictions in the last 5 years.
You are currently not bankrupt or in receivership.

[F20C]

mines almost exactly the same as yours papa, mine is insured for 45,000 (i think from memory could be more) and premium is 1500. But the excess was only $500 for my window when my car got broken into.. i didnt go through it as it was cheaper to get a second hand window lol.. and im through RACV

[connorling]

I m getting a s2000 2000 Model stock standard with 42000km in WA, I only can get cover of $20800 with rac, aami only $16000, but the cost is $29000 for the car, what the he'll should I do?

[DBG]

I found the same thing with mine. Some insurers go agreed value, but in general I found insuring the S2000 to be extremely expensive in comparison to previous cars I have owned.

[Hasbeen]

I bought an S2000 a couple of weeks back.

Shannons insured it for $30,000 over the phone, the day before I picked it up, for $690, with $400 excess. That is only $90 more than the cost to insure a Peugeot 306.

I am over 60, have 4 other cars with them, & have never made a claim, which all probably helps, but I was impressed by the comparison with the $12,000 Peugeot.

Give them a try

[VeYzZii]

I bought an S2000 a couple of weeks back.


I am over 60, have 4 other cars with them

Whoa.. Why couldnt you be my grandpa..

[Hasbeen]

Sorry VeYzZii, the ones I had some involvement in producing keep me poor enough.

One visited on the weekend, & when she left, so did the 306 convertible that was supposed to be my daily driver.

Still it had proved that front drive is not really suitable for narrow country roads with water running across them, so I won't miss it much.

I'm, sure the S2000 will handle it much better, even if the average driver would doubt that.

I'm afraid you will just have to train your own grandpa.

[AusS2000]

Hasbeen, I'm sure you'll find the S2000 a much more engaging drive than the Peugeot. Just don't get in touch with your inner 20 yo and ruin that perfect NCB. ;)

[Hasbeen]

Thanks for the concern AusS2000, but you are advising the converted.

I set a Bathurst lap record in 1967 which was never beaten, & unfortunately, no one is more aware than me of how much of the ability that allowed me to do that has gone with the years.

I was keeping my hand in with a 300+BHP Triumph TR8, before my son took it to Sydney with him, [to protect me from myself you may say].

Now all I have is the paddock basher, & a track slashed in the long grass in the bottom paddock, to indulge that inner 20 year old.

You are right about one thing, although some of the ability may get old & die, that inner 20 year old is still a 20 year old.

[AusS2000]

Good stuff. It's nice to see an S2000 in the hands of someone who doesn't let his enthusiasm exceed his abilities. Gives me hope there might be a few still on the roads in the future.

[krogoth]

Hasbeen, you should have got an NSX !!!

[Hasbeen]

Krogoth, it was a convertible that I was after.

I have periods where my back, & right knee make it very painful to get into a low hard top, & I have a couple of them already.

I was looking for something to take the place of the TR8, which had not had it's hood up for a couple of years.

The S2000 was my forth try to find something that would work, & it gives much more than I expected. Having done almost 1000Km in the S2000 I can imagine how much car the NSX is, but perhaps more than I need today, & the roof is so hard to get down.

[AusS2000]

I'm pretty sure that TR8 wasn't factory standard with 300bhp so you're obviously not adverse to tinkering.

There's much you can do to the S that will push it up to and beyond those power figures.

[Hasbeen]

Yes AusS2000. they actually had a detuned 3.5 Rover V8 in them. This one was fitted with the last of the Range Rover 4.6L V8s, with all forged bottom end, & a fair bit of top work, with the latest Haltech calling the shots. It is quite flexible, but the deep rumble of the V8 leaves no one in any doubt that the thing is serious. It does mid 11s down the 1/4.

I'm sure, being Honda, the S2000 could take some gingering up without strain, but at present I am loving being able to slip quietly around town, looking a bit & sounding a lot like another hairdresser in their MX5, then letting it howl when needed. I don't need any more performance in the car,-----yet!

The other thing I find great is the lack of impression of speed it gives to passengers. My wife is not a good passenger, & I am finding that I can slip around corners at least 10Km/H quicker in the Honda than would bring howls of protest in one of the Triumphs.

It does sound like I'm in love, doesn't it?

[AusS2000]

It does, but I give you a month before for need for speed bites.

[ncmx5]

Glad to hear of another s2000 around the coast.

[DBG]

Thats weird. I tried Shannons also, but the quote was a lot higher than that. I am 30 with a good driving record and have never made an insurance claim. Car is garaged and mine is a 99 model also.

Ended up going with GIO for 900pa with a silly excess of 1500 or so. Was the cheapest out of about 10 companies.

AAMI (who I had been with for many years) wanted 2800 and would only cover a value of 14900...WTF!

[ncmx5]

Hmm... I'm with AAMI, pay $850p.a. with the flexi premium excess $500 +$150 = $650, car valued at $25k with mods... garaged, 25 y.o with a few of claims. hahaha

[Hasbeen]

How many cars do you have with them ncmx5?

I have 5, & I am the only driver of 4 of them. Perhaps they are working on the idea that I can only drive one at a time.

If I have someone else drive one of them, to take 2 to a show, the excess goes up ANOTHER $1500 on the one driven by an unlisted driver.

I also noticed that the Mazda 2, which has my wife & I as drivers costs $150 more to insure, for a $5000 lower value.

[greek_rambos2k]

AAMI
prem: $750
excess: $950
Value: 22k

[VeYzZii]

What's the point of having comprehensive if excess is over 1000? The only real thing it will be useful for is theft, which most 3rd partys cover to 15 - 20g. AAMI gave me a similar offer. About 1.7 premium and close to a grand excess. We have 3 other cars with them. Made a claim of theft prior to the S and it passed. But that was once out of about 10 years of insuring with them. I told them to suck it and went with NRMA 3rd party. Sure it's a risk, but that ought to teach 'em ! :P

[dlai5552]

NRMA is cheap...

Prem = $970
Excess = $600
Value = $24,800.

I was cheering :)

[ducbui91]

guys what insurance would u guys recommend me. ive got an 01 s2k no mods 70xxx kms live in south west sydney and 19. i want full comprehensive and HAS to be cheap
cheers

[Marst4r]

you can try just car insurance... maximise the excess amount to lower your annual premium. if you use this strategy, just keep in mind your excess will be about 2.5k to claim, annual premium will be around 1k

[ducbui91]

isit better off using it under my old mans name coz its cheaper?

[boodgy]

it will be cheaper considering you dont nominate yourself as a driver BUT if you make a claim and your at fault youll have to pay an 'age excess' on top of your basic excess since ur under 25. my policy age excess is 1600 (NRMA)

[dlai5552]

NRMA! Highly recommend, great prices!
I posted my prices a few post above, and excess is for me (age 19) is 1200 :)
while for my dad is still only $600

[Hasbeen]

Just were the only insurer to offer a decent price for my now 20 year old daughter to drive a Peugeot 306 convertible.

I don't know if they think that's a dangerous "sports" car or something, but some of them wouldn't even quote, & she had almost 3 years no claim history.
That was after I had transferred the car rego to her.

I don't think it's a good idea to insure a car in the wrong owners name. I've heard of a couple of refused claims, when the insurer said the car was the young drivers car, not the parents car as insured.
This is definitely the case when it is usually parked at a different address than that on the policy.

[ludecrs]

I've never made a claim in my life, spent thousands on my car, and still get raped.

[AusS2000]

How about your driving record?

[ludecrs]

Its indifferent. Just too many hectiks crashing / stealing S2K's causing premium rises.

Back when I was 18 I was charged for drunk driving. Im now 26. All these are with Just Cars.

Premium:
99 Prelude - 18: $2200 - 19: $1800 - 20: $ 1200 - 21: $1050
00 S2K - 21: $1200 - 22: $1100 - 23: $1200 - 24: $1400 - 25: $1600
Or there abouts.

When aged 21, I lost my license for speeding after breaking up with my g/f.
All mods have always been declared, and only the ECU caused a $9 premium rise.
Lost my license again last year at age 25, again broke up with my g/f.
My insurance bill is due in the mail any day now.
Agreed value is something like $16K. Just ****ing ridiculous.

[munkaii]

Are all these quotes people are providing comprehensive or third party???

[munkaii]

I'm paying 1450 for DC5R under Dad's name. 1 at fault accident 2 years ago, other than that a clean record..40yr driving experience + multipolicy discount.

[dlai5552]

dude, mine is full comprehensive.

[munkaii]

Is that under your name? Crap that is so cheap... why!

[Hasbeen]

Full comprehensive

[munkaii]

Should dig up my insurance policy and give NRMA a call...

Could a DC5R be that much more to insure compared to a S2K?

Base excess is 800 and age excess is 1600. Insured for $22000. Premium = $1450.

[VeYzZii]

Its indifferent. Just too many hectiks crashing / stealing S2K's causing premium rises.

Back when I was 18 I was charged for drunk driving. Im now 26. All these are with Just Cars.

Premium:
99 Prelude - 18: $2200 - 19: $1800 - 20: $ 1200 - 21: $1050
00 S2K - 21: $1200 - 22: $1100 - 23: $1200 - 24: $1400 - 25: $1600
Or there abouts.

When aged 21, I lost my license for speeding after breaking up with my g/f.
All mods have always been declared, and only the ECU caused a $9 premium rise.
Lost my license again last year at age 25, again broke up with my g/f.
My insurance bill is due in the mail any day now.
Agreed value is something like $16K. Just ****ing ridiculous.

Wtf... 16k agreed value..? Thats s*it.. You should really speak to them about that. You paying 1600 permium for 16k agreed value. What are the average agreed values for the s2k anyway?

[genghiskhan]

the average agreed is 17.5 with nrma

[Prince_James]

hey guys just wondering if anyone here is on green p plates around 19 years of age with an s2k
how are you guys paying for insurance ? is it under your parents name ?
i just looked at a few companies to get some quotes and even under my mums name with clean record its 3000+ to for full comprehensive :eek:

[jrstyles]

im 20 and on green P's. Insurance is your best mod. If you cant justify paying that much for insurance then this is not the car for you. But anyway I'm fortunate that my car is insured under my parents business along with all our work cars so the flat rate for my insurance is $540 full comp including mods and my excess is $1250. The only downside to this is that my mums mazda2 is also $540 ($100-200 dearer than a different insurer) whereas my dad is paying the same for his c63 lol!
Better to shop around and compare quotes but i can tell you now $3000 +- $500. Oh i just remembered this has been discussed afew pages back if you wanna check it out!

[ncmx5]

as above, search is your best friend.

[ludecrs]

Threads merged.

[ryan19]

iv just got insurence for my 99 s2k throw NRMA covered for 20,000 with no mods and its is $2100 per year

im 19yr old and one licence suspension living in the southen highlands 2577 NSW

[AusS2000]

I'm surprised they insured you at all. Not because you're 19, or because you've had your license suspended, but because you live so close to Macquarie Pass. ;)

[Ferrari]

25 years old, Sydney 2000 model insured for 35k agreed value with Shannons for $ 2100 p.a happy with that.

[ryan19]

AusS2000 good call haha

[sekii]

NRMA is cheap...

Prem = $970
Excess = $600
Value = $24,800.

I was cheering :)

DAMN thats cheap!
So was that under you dad's name?
And did you tell them about the mods?

[Hasbeen]

I would love to have someone, who really knows, tell us what different post codes do to the insurance quotes. Many of the stories here just don't make sense, unless it is where the car lives that costs a great deal.

I would guess they have a few write offs out here in the sticks, with some of our neighbours coming home from the pub occasionally, but there would be virtually none of those intersection bumps, that cost $4000 to $8000, to fix, & happen so often in the city.

[greek_rambos2k]

AAMI
rating one
value: $23,500 (99' model)
prem - $750
excess - $950

[jrstyles]

AAMI
rating one
value: $23,500 (99' model)
prem - $750
excess - $950

how old are you?

[ludecrs]

Same as me, agreed value, yearly cost and all, except my driving history means I'm ineligible.

[greek_rambos2k]

how old are you?

im 21

[VeYzZii]

Wtf.. They where asking me a premium of 3800 and 800 excess. Im 20. Registered under my mother and me as a casual driver. Live in a relatively quiet suburb.

[Davion]

Paid 850 for mine with AAMI with Gold Star rating. I still find it expensive.. :(

[greek_rambos2k]

Maybe coz my familys accoint is linked and we have 7cars with them

[Fredoops]

I would love to have someone, who really knows, tell us what different post codes do to the insurance quotes. Many of the stories here just don't make sense, unless it is where the car lives that costs a great deal.

I would guess they have a few write offs out here in the sticks, with some of our neighbors coming home from the pub occasionally, but there would be virtually none of those intersection bumps, that cost $4000 to $8000, to fix, & happen so often in the city.

Insurers has look at the following data for every suburb...1. number of accidents/crashes 2. number of thefts 3. number of malicious damages 4. rating of customers in that suburb 5. overall crime rate 6. number of storms/major weather events 7. Road condition 8. Number of "Hooning" incidents reported to/reacted by police.

The problem with Tamborine is the crappy narrow roads, i'd imagine a lot of accidents (minor/scratches and whatnot) would affect the insurance in that area.



Paid 850 for mine with AAMI with Gold Star rating. I still find it expensive.. :(
expansive? are you kidding? people pay that much for Accords on the east coast :-P

[Kelezzay]

I'm with AAMI

I'm 20 years old.
Model: 2002 S2000 (It is my first car)
I'm paying (under my name):
$1800 P.A
Excess of $875
Agreed Value: $29,000

Postcode: 2766
Parents have been under AAMI for 10 years, if that contributes to the price?

I'm not sure whether to be happy or not about the price?

[Fredoops]

I'm with AAMI

I'm 20 years old.
Model: 2002 S2000 (It is my first car)
I'm paying (under my name):
$1800 P.A
Excess of $875
Agreed Value: $29,000

Postcode: 2766
Parents have been under AAMI for 10 years, if that contributes to the price?

I'm not sure whether to be happy or not about the price?

be happy, you are probably under the family discount of some sort.

[doosra]

anyone notice AAMI being much cheaper now with the s2000? When I purchased my S2000 2 years ago, I got quoted something ridiculous like 4k under my mum's name only with mod's and she's 63 now.

I did another quote this year and the price went down to $1513 with excess of $625, however I'll probably go flexi excess of $1175 and premium of $1260.

What's the go with the sudden change?

[Fredoops]

New pricing model probably, the math geeks probably realised there isn't many crashes involving s2k over the years. And AAMI having to cut price to accommodate GIO and Shannon's (which both would cost more than AAMI because you can choose your own repaier... they all owned by Suncorp, they need to differentiate the brands)...


Also more half cuts/wrecks getting into the country to cut repair bills.

[doosra]

awesome.. just saved $500 on my premium.... if there were no mods, I would have had it at about 900.. bargain !

[AusS2000]

Coool, however premiums ain't everything. I wonder how they perform on claims....

http://www.s2ki.com/s2000/topic/9137-aami-warning

[1900-hustler]

aami tend to be very hard on their claims process which is why they lowered premiums to lure people in

my brother had a bad experience with aami - even though he got his claim paid out eventually he was without a car or money for another car for more than 6 months

read the fine print!

im with NRMA - i pay abit extra but i know im covered for what i need

[h3nno]

AAMI are a rip off. I had a very, very bad experience with them, they did reimburse me but I was out of pocket 4.6k and with no car for 5 months.

I am now with NRMA as well, I am paying ~$1600 for fully comp on s2k, fully comp on Audi a4 and home content covering 30k. AAMI were charging me $1800 for s2k alone.

[Hasbeen]

I have spread my insurances around quite a bit this year for the following reasons.

Shannons are still best for the classics, [over 30 years], cheap & best terms. They have both Triumphs. They were not so good for moderns.

Just were the only ones to offer an affordable policy for my daughters car when she was a teenager, & still best at 21. They were great with a claim too.

Youi killed the others on the rest of the fleet. Very competitive on the Mazda 2, & way ahead on the S2000, the Ford Capri, [local 2+2], & the ute. The S2000 is covered for $26,000 agreed value for $6/700, & were even cheaper for market value.

[mattatnoosa]

19.
NRMA
$26,000 agreed value
$1560 P/A with $1000 excess

Was going to be $3500, but got them to beat just car by 10%, and that means my excess is $1500 lower now too ;)

[black8thgen]

how'd u get them to beat just car by 10%?

[mattatnoosa]

In qld they have a promo running 'we'll beat any quote by 10%'

[slimx]

you get what you pay for

NRMA

your own repairer
cost a little more
cover you no matter who is driving (all you do is pay extra excess)
very competitive greenslip if yuor insured with them
stolen/fire claims do not take 3-4 months they will pay u out and then if they get evidence bust your ass


AAMI

cheap
good phone support (personal opinion)
rip off excess
they auction your car to repair it (so dodgey and corner cut repairs)
if you are unhappy with the repair it will take around 3-4 months for them to "process" your claim and get your car "repaired properly"
if your paint cracks AFTER it has been resprayed they tell you to go stick it up your ass


JustCar

They are identical to AAMI, only difference is better premium for sports cars and v8s


Shannons

completely over priced
covers anything in any situation
probably much more suitable for cars that have alot of modications as ure allowed to set your pay out MUCH higher then your cars value

[Fredoops]

^^^ to add to Shannons, it gets a hell of a lot cheaper if you have a bunch of projects/cars insured with them.
So those with a workshop and 1/2 dozen projects lying around? Shannons is about as good as it'll get.

And Of course, shannons... your own repairer.

[arcenite]

Sorry to bump up an old thread but I have to add Lumley special vehicles insurance is ideal for insuring S's if you're not driving for more than 3 days a week on average. I asked if they covered market value and not agreed value if the time came to claim, but they assured me it would be the agreed value (I didn't get scammed... right? lol). In addition, you're able to select your own repairer which is amazing.

I'm 27 and paid $969 for a 12-month insurance plan with $650 excess, and that includes windscreen (+$50) and rating one secured even if I have to make a claim in the next 2 years if I remember correctly (+$40).

Anyone had any past experiences with them before? They've got a 14-day full refund policy so if I decide to change, I'm able to just ring them up and cancel my plan.

Edit: They covered for my aftermarket suspension/wheels as well. I read the fine print and I can't drive more than 8,000 km's p.a. which is fine with me since it's not a daily.

[curtis265]

Sorry to bump up an old thread but I have to add Lumley special vehicles insurance is ideal for insuring S's if you're not driving for more than 3 days a week on average. I asked if they covered market value and not agreed value if the time came to claim, but they assured me it would be the agreed value (I didn't get scammed... right? lol). In addition, you're able to select your own repairer which is amazing.

I'm 27 and paid $969 for a 12-month insurance plan with $650 excess, and that includes windscreen (+$50) and rating one secured even if I have to make a claim in the next 2 years if I remember correctly (+$40).

Anyone had any past experiences with them before? They've got a 14-day full refund policy so if I decide to change, I'm able to just ring them up and cancel my plan.

Edit: They covered for my aftermarket suspension/wheels as well. I read the fine print and I can't drive more than 8,000 km's p.a. which is fine with me since it's not a daily.

I've heard this too. Would go with them when i'm 25 LOL

[charlie15]

I'm with lumley. They're great. Have my dad's wagon for a daily :)

[arcenite]

Haha I just upp'ed it to a daily non-commute so that it covers repairing/servicing as well as test drives if I ever decide to sell it plus unlimited km's. Total's only $1255, very happy with it.

[Omond]

27111

[Omond]

It's a little unclear, but mines a 99 AP1 insured for $17,900 with Coles and paying a premium of $882 per year, I'm 35 years old.

[bilaldabab]

im paying 1400 per year insured with aami for $18,500. I'm 25 years old

[aozora]

Sorry to bump up an old thread but I have to add Lumley special vehicles insurance is ideal for insuring S's if you're not driving for more than 3 days a week on average. I asked if they covered market value and not agreed value if the time came to claim, but they assured me it would be the agreed value (I didn't get scammed... right? lol). In addition, you're able to select your own repairer which is amazing.

I'm 27 and paid $969 for a 12-month insurance plan with $650 excess, and that includes windscreen (+$50) and rating one secured even if I have to make a claim in the next 2 years if I remember correctly (+$40).

Anyone had any past experiences with them before? They've got a 14-day full refund policy so if I decide to change, I'm able to just ring them up and cancel my plan.

Edit: They covered for my aftermarket suspension/wheels as well. I read the fine print and I can't drive more than 8,000 km's p.a. which is fine with me since it's not a daily.

I tried going with them but they wouldn't cover me for some reason? Something about recently policy change...

[Torell]

I'm with enthusiast underwriting, and i picked my own agreed value. First year it was 1200 because i hadn't driven a high performance vehicle (my beast of a stock 100kw prelude doesnt count lol).
second year its about $800. requires driving low kms and keeping car in garage etc. I still cant believe how cheap!

[yoshii]

With Lumley's as well. Gonna bump it down to limited use when renewing as it's not a daily anymore, hopefully it'll be a decent reduction.
Not sure what the policy change is, as i don't recall getting any letters/emails regarding it.

[afonse]

I'm paying 2.8k with Shannons, 22 yrs old under my name, ap1 with agreed value of 26k. it was by far the best option compared to some others i was quoted.

[PharmerDan]

I currently pay $800 pa, 30yo, 99 s2000 for an agreed value of about 18-19k...

Due to work changes, I drive less than 5000km pa (I've only driven 1500 so far this year)... What insurance companies apart from Lumley have lower insurance premiums with restricted kilometre driving?

[Hasbeen]

Wow, there is perhaps some advantage in being a clapped out old fart.

I went back to Shannons after a claim on the TR7. The drivers door was picked up, pulled forward, & jammed into the fender. It was an expensive repair, including a new door for what looked like minor damage. Shannons approved it quickly, at my preferred repairer, & I was so happy I gave them all of my cars.

The S2000 is 2001, 40,000 kilometers & mint. I drive it about 4500Km a year these days. Shannons agreed value $26,000 for $800. The TR7 is very cheap at less than $300, & the others are quite OK, if not cheap.

Coles was quite a bit cheaper, but no agreed value, or choice of repairer, & they won't insure the TR7 or TR8.

[curtis265]

That sounds good. How do i become a clapped out old fart?

[Hasbeen]

I'm afraid it takes years.

[Torell]

lol time with the car i think is important. like i was saying for mine, after finding my receipt it was like $1800 first year, 1200 second year, 690 actually this year, less than i thought! so cheap :/ im 26 btw. maybe the 25yo barrier made a differance