Insurance for FD

[nxn75u]

hey guys, i just wanna know which Insurance company is recommended for comprehensive car insurance for my civic fd... i have accessories like rims and suspension attached to it. Like cheap and reliable ones?

Or is the insurance not neccessary?

thx a lot guys!

[.k.]

I've paid deposit on mine, waiting for it to come to the dealer now. I think insurance depends on how old you are, and if you've been in any accidents before? Be sure to ring around as the price will vary a lot between the different companies

All the best and plz pm me back what quotes you get as im gonna start looking soon and i wanna compare

[danjoy25]

Mine is AAMI $1067 insured for $27K 60% no claim bonus. Price includes alloys, tint and fog lights.

[Omie]

I'm with NRMA.. $400 and im only 20 however i have a 2k excess if i'm the cause of the accident..

[sydfd]

I'm with Just Car Insurance I'm 24 my premium is $880 and a excess of $1700 if i have a accident and Iam at fault.

[Zdster]

Or is the insurance not neccessary?

If you believe this you should not own a car

[dc2dc2dc2]

hey guys, i just wanna know which Insurance company is recommended for comprehensive car insurance for my civic fd... i have accessories like rims and suspension attached to it. Like cheap and reliable ones?

Or is the insurance not neccessary?

thx a lot guys!

i agree if u can afford a new fd
then u can afford insurance
only idiots drive around with no insurance
all i have to say is
get off ur ass
and do some online quotes
or ring around for quotes
everyone will be different depending on history/location etc.
shop around and see who offers you the best price
best of luck

[sassy_fit_vtit]

Insurance is a not compulsory but is advisable to have because even if you are a good driver your stuck in a rut when someone steals your car or does a hit and run...


I'd advise you to call up yourself to get quote because there are a number of factors which will effect the insurance premiums. Remember that you get what you pay for so ask alot of questions particularly around excesses around accessories and modifications because some companies don't disclose that info to you at a quote stage.

http://www.cannex.com.au/car-insurance/ Cannex will give you a guild to which companies and value for money but remember just because its cheap doesn't mean its best. Through working in insurance i find that alot of policies are lacking in coverage. READ THEIR PDS.

Good questions to ask would be
-if they cover for hail damage, storm, malicious damage.
-do they cover cost for emergency repairs & accommodation
-do they cover clean up & emergency services cost in the event of an accident
-do they cover towing
-what are their claims procedures
-if you make a claim how does it effect you in the future e.g. if you get in an at-fault accident does your NCD go down by 1 or 2 ratings and under what scenarios . Some companies will bring your NCD down by 2 ratings if you have a theft/malicious damage or single vehicle moving claim. And if your on a Rating 1 for life will it effect your premium the following year or your excess
-ASK IF IT IS A DISCOUNTED PREMIUM, they might lure you in the first year with a discount and jack it up the next year by more then the norm (inflation).
-Ask if they offer guarantees with repairs and if you have a choice of repairers.

If you still aren't convinced go to your local panel beater and ask them what the best company they have dealt with.

[aaronng]

Most people will feel that comprehensive insurance is not necessary, until the day comes when they need it. By then it is too late.

[igor]

I am in Sydney West paying $1200 with $1100 excess on value of $23,500.

[FD2R]

mine is AAMI, $104/mth, 300 standard excess plus $350 under 25.
i think there are many factors affect the premium, like age, where you park, mod to your car.
i recommand you shop around, coz price is vary between the different companies too.

[howy]

As FD2R said there are many factors that affect the cost of insurance.

The main factors are:

-Age
-Driving Experience / Accident History / Driving Offenses
-Your location (suburb you live in) and whether you park it on the street or in a garage

I'm with NRMA and to give you an idea, it's 1800 for both me and my brother (23 and 21). Excess is $450 and it's an agreed value of $27600.

If it was just myself, I think it would've cost me around $1100 for the same coverage.

In regards to your modifications question, if your mods aren't illegal then it wouldn't affect the price that much. I've got my alloys, cf spoiler, rear parking sensors all covered without affecting the price.

Best if you do some online quotes to give you a rough idea.

Also, if you get CTP and Comprehensive insurance from the same company (E.g. NRMA), they usually offer multi-policy discounts