Car insurance

[Gremlin]

I got a quote from AA and they wouldn't let me insure the ute for its value, the lowest I could insure it for was $10,000 more than what I'm paying. That was about $1200/yr with my AA discount.

Are you getting some sort of killer deal on the vehicle though? You don't want to underinsure it, then can't replace it if shit happens.

AMI dropped the van's value for year 2 and I pushed it up again, as I can't buy that spec for those dollars, etc.

[haydes55]

Are you getting some sort of killer deal on the vehicle though? You don't want to underinsure it, then can't replace it if shit happens.

AMI dropped the van's value for year 2 and I pushed it up again, as I can't buy that spec for those dollars, etc.

$45,120 RRP* +ORC, AA won't let it get insured for under $41,000, I'm paying $31,000 drive away. Should I insure it for RRP?

I've never owned a new vehicle before. The newest vehicle I've ever owned is my 2009 motorbike.

[Moi]

$45,120 RRP* +ORC, AA won't let it get insured for under $41,000, I'm paying $31,000 drive away. Should I insure it for RRP?

Yes.

You're getting a great deal but you need to consider the "what if..." scenario...

What if the first weekend you have it parked and some dipstick drives into it and writes it off?

You have to go and buy another vehicle and if you were to buy the exact same one... what would you have to pay for it? $31,000 or $45,000?

[Madness]

I've found AMI good to deal with with a couple of vehicle (her indoors likes to prang her car) claims in recent years.

[Ender EnZed]

What if the first weekend you have it parked and some dipstick drives into it and writes it off?

You have to go and buy another vehicle and if you were to buy the exact same one... what would you have to pay for it? $31,000 or $45,000?

That'd be fine since Mitsubishi has them on sale until the 31st of March.

$45,120 RRP* +ORC, AA won't let it get insured for under $41,000, I'm paying $31,000 drive away. Should I insure it for RRP?

I've never owned a new vehicle before. The newest vehicle I've ever owned is my 2009 motorbike.

If you did need to make a claim and they consider the market value of a used 2016 Triton GLX-R, presumably that's going to be less than the price you paid for it. Unless you think you're going to be able to sell for a profit in 6 months.

Unless it's an agreed value policy then the value you insure it for is just the upper limit on what they'll pay out. There's no point paying higher premiums to raise that number above the vehicle's market value.

[rambaldi]

Completely true, if I lived 200m further west, on a street where my car would be considerably more likely to be interfered by passing hooligans, the insurance would be cheaper.

It doesn't hurt to look behind the name either, IAG owns NZI, State, AMI and some others, Suncorp is behind AA Insurance, Vero, AMP, different brands of the same thing in the end.

It is worth checking the price with all the onsellers. I managed to save a couple hundy on my contents insurance with basically the same policy from the same company by doing it through a reseller rather than directly. Talked to the same lady on the phone even.

[haydes55]

AMI was very reasonable for their prices, about $750/year. I'll be going through them when the ute arrives.

[boman]

A.M.I. have been great to deal with. Never a hassle.

[JimO]

do Mitsi have a inhouse insurance, i know Toyota and Honda do, may get a gooder rate

[Swoop]

Thank fuck you bought a Triton.
The amount of faggots in ford ranger's that don't know how to cunting well drive, is staggering at the moment.

Have fraud had a sale, targetting the mentally handicapped, recently?

[haydes55]

Thank fuck you bought a Triton.
The amount of faggots in ford ranger's that don't know how to cunting well drive, is staggering at the moment.

Have fraud had a sale, targetting the mentally handicapped, recently?

It was either $50,000 for a ranger or $30,000 for a Triton. I can't see an extra $20,000 for what is still just a ute.