Comprehensive Car Insurance Quote - Youi

BarginHunter on 07/11/2014 - 18:30

I finally decided to get Insurance for my car, a 2005 XC Barina, I checked a few places online including AAMI and RACV and they were both very expensive. My mum has 2 cars and house and contents insurance with Youi so I asked her to call them to try and get insurance under her name but with me as the main driver.

After a lot of haggling and stuff the best they could do was ~$52/month with $725 excess.

I did a bit more online searching and found that Budget Direct is slightly cheaper at $50/month $800 excess, the guy claimed to me that the insurance offered by Budget was slightly different as they covered less things.

Is this true or was the guy just trying to make a sale? Is it possible I can find a cheaper price for comprehensive insurance?

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Comments

  • pao2x on 07/11/2014 - 18:58
    +4

    Try bingle

    • BarginHunter on 07/11/2014 - 20:44
      +1

      Just did an online quote from Bingle and it was $55/month with $600 excess.

      • akyeeeahdude on 08/11/2014 - 10:45

        Youi have a $800 excess option - call them back and ask for it.
        It should reduce the price to 49 or 50p/m I would think.

        Yeah and it is more a sales pitch by implying Budget don't cover as much but worth thinking about the claim service you would get from each company.

      • usman6062 on 09/11/2014 - 23:23
        +3

        Then do not go with Bingle at all. The major reason is if u have an accident even if its not your fault, they still charge u $500 as excess. THATS THEIR POLICY.

        I was with Bingle and someone hit my car. Had to pay $500. Called them 4 times to chase up. After 6 months, they called me saying, Sorry we can not refund your 500 as other party did not pay us.
        I changed the insurance company. After a month, they refund 500.
        Recommend Bingle only if it is atleast $30-$50 cheaper than others. Otherwise, it is hard to deal with them.

        • minniethemoocher on 10/11/2014 - 19:52

          Did you end up getting the $500 back? I have heard this about Bingle.

      • Moots on 11/11/2014 - 12:29

        Under 25. I pay $53 p/m for 3rd party only.

  • boonanza on 07/11/2014 - 20:04
    +2

    I always shop around when it comes to renew insurance.

    • BarginHunter on 07/11/2014 - 20:45

      This is the first time I get insurance for my car, so I don't know too much about where to check. I've checked on comparethemarket.com and a few other insurance sites.

  • dylanando on 07/11/2014 - 21:42

    ahhh older people are so lucky, $200/pm for me :/ and thats by far the cheapest i could get rest are $290+

    • Cheeper on 08/11/2014 - 00:57

      Ouch… you are right, a lot cheaper for us old codgers… mine is about $450 yr with aggr value of $37k. Was expensive when we were young too.

      • PVA on 08/11/2014 - 12:08

        Yes it was but I don't remember it being $200 per month.

        • dylanando on 08/11/2014 - 15:35
          +6

          yeah its quite severe, though stupid me. Should of just got a hot air balloon probably cheaper in the long run

        • Jam0864 on 10/11/2014 - 09:38

          @dylanando:

          I found Just Car to be much cheaper for P platers.

      • dylanando on 08/11/2014 - 15:34

        ahh, myens insured for 14k, makes me want to cry a little bit

        • slix_88 on 10/11/2014 - 09:57

          Ditto. Mine's almost $300/mo until I fount out that I could include my vehicle in my work's fleet cover. All up, I pay $880/yr for the vehicle and the insurance is underwritten by Allianz :D

        • Geewhizz on 10/11/2014 - 14:09

          @slix_88: Interesting concept. Do you lease or is it privately owned?

        • [Deactivated] on 10/11/2014 - 17:09

          @slix_88: yet another reason why tax breaks for novated leases should be dropped.

        • slix_88 on 11/11/2014 - 11:27

          @Geewhizz:

          The vehicle is privately owned

  • Logical on 07/11/2014 - 21:43
    +2

    Try Progressive car insurance…

    • battler on 08/11/2014 - 00:28

      ^ this

      I got insurance with bingle and progressive online for my 2 cars.

      • BarginHunter on 08/11/2014 - 08:53
        +1

        Tried Progressive and they were more expensive.

  • stevednj48 on 07/11/2014 - 21:57

    CGU is pretty good

  • Cheeper on 08/11/2014 - 00:50
    +1

    The best for me was with Progressive Direct
    http://www.progressiveonline.com.au/

  • eatwell365 on 08/11/2014 - 06:49
    +4

    one important factor is how easy to claim and fast to repair your vehicle. won't recommend the supermarket ones after my experiences.

    • cloudy on 08/11/2014 - 21:33

      Based on that criteria, I won't recommend any budget ones, the yardstick to describe their lengths can be judged in quarters ( of the year).

      • BarginHunter on 10/11/2014 - 12:46

        Which budget ones have you had experience with? Is Youi considered a budget provider?

        • caspochek on 11/11/2014 - 14:04
          +1

          I've just made my first claim with youi home insurance, from a incident this past Friday. And someone was out that night securing my roof. And they're coming tomorrow to price up with hopefully a Thursday fix. So from my experience they're excellent.

  • Hellfire on 08/11/2014 - 07:46
    +2

    Cheapest for me were Progressive (who I am with), Bingle, and QBE.

    Since insurance is priced on risk there isn't one company who will be cheapest for everyone. You also might not want the cheapest depending on what you expect comes claims time.

  • RockyRaccoon on 08/11/2014 - 10:46
    +8

    Youi

    "We get you"

    Can mean many things … LOL

  • danb on 08/11/2014 - 11:47
    +2

    Each time i got my insurance, looking around youi was double the 2nd most expensive quotes i was getting. To put it this way, 1 year i got insurance for 1300 with Aami, GIO/NRMA and a couple of others were 2500, and youi was 5000 (clearly didnt want to insure me). Was about 23 driving a beamer and living in liverpool.

    Even a few years later i did quotes, and i was finally down under 1k, about 900 with aami, nrma, and some higher quotes of 1200 gio and some of the others, but youi were 2400. Was about 26, living in castle hill, and now driving a lancer.

    Never recommend youi to anyone.

    Now ive been with NRMA and now RACV as they were the cheapest and on par with the cheapest, the last couple of years.

    Love the fact that NRMA/RACV let you choose your own repairer. We were in an accident, not at fault. Submitted a claim, was really easy, they said take it to this repair shop, i looked up reviews and they were terrible, so i found one that had great reviews and were able to take it there instead.

    • whooah1979 on 08/11/2014 - 11:55
      +5

      go with nrma if you want a no fuss comprehensive car insurance. they don't bs around when making a claim. you get what you pay for and insurance go with those that can look after you the best.

      • BarginHunter on 10/11/2014 - 12:47

        They don't cover Vic :( RACV was like $100/month for me.

  • PVA on 08/11/2014 - 12:02
    +1

    All companies are different, read the policies to see what is covered.

    Also search and see what problems people may have had with cheaper companies, last time we had an accident ( few years back) I was chatting with a panel beater, he said racq and alliance were the best because they just accepted what the panel beater recommended , others are super tight with repairs and want a cheap job done. No hassles at all claiming with racq, really easy to deal with ( one phone call and take it to my choice of panel beater, that was it, panel beater called when we were to pick it up)
    I an with racq, it was $50 more than youii and budget when I got a quote, like for like there is not a massive difference in price I have found

    • whooah1979 on 08/11/2014 - 12:09

      he said racq and alliance were the best because they just accepted what the panel beater recommended

      what's best for the repairer may not be the best for the customer. repairers over-charging isn't an uncommon thing.

      • PVA on 08/11/2014 - 14:03

        I understand that and at first I thought the same thing, he explained more about getting it fixed quicker , not being pushed to cheapen the repair! , not having to wait days for each approval etc.
        To be honest I don't care what the repairer charges, as long as the repair is great and it's sorted easily and quickly, with racq it was.

  • gevidian on 08/11/2014 - 12:57
    +1

    Try Woolies Car Insurace. $100 gift card plus you can tailor your kms driven and excess.

    http://insurance.woolworths.com.au/car-insurance

    • eatwell365 on 08/11/2014 - 17:18
      +1

      when a claim is lodged, first thing Woolies insurance does is to validate your policy, so don't ask when you will get your car back. If you don't mind the fuzz to chase up your claim history and sleepless night of worrying not being able to claim after an accident, go for it. just my experience.

      • cloudy on 08/11/2014 - 21:36

        Life long freiendships are made sharing insurance claim horror stories, I've got ones for aami and bingle and Coles.

        It's the prerogative of insurance companies to try to avoid paying claims, but as long as u have done nothing wrong, u r fine, no need for sleepiness nights.

        • eatwell365 on 09/11/2014 - 06:49
          -1

          it is true but there is time when our definition of "done nothing wrong" can be different from the insurance companies. eg. driving on a set of well worn tyres. imagine after hitting a Bugatti from behind, the uncertainty of the insurance company is going to accept your claim for months. if the policy is not valid, the other party insurance will recover the liablilty from you. Many people in the situation will have to sell a house or go bankrupt from a car accident.

        • airzone on 09/11/2014 - 08:22
          +1

          @eatwell365:

          Substitute bugatti for mother pushing a pram. Accidents happen… But if you're driving on bald (or close to) tyres in the wet, it's not an accident.

        • cloudy on 09/11/2014 - 09:00

          @eatwell365:

          Driving on bald tires is like driving without brakes. I won't blame a insurance company for such negligence. Sounds like u need to stop blaming others.

        • eatwell365 on 09/11/2014 - 14:25
          +3

          @cloudy: just to clarify that the bald tyres is just an example, not my experience. It is not uncommon for first time driver to have a basic used vehicle and insure with lowest premium possible. so I think it is important to have a balanced discussion, based on more than purely lowest premium and $100 supermarket gift card.

          Totally agree with you

          It's the prerogative of insurance companies to try to avoid paying claims

          It could be helpful to have people, esp first time car owner, to understand the importance of good condition with their vehicle, in order to validate an insurance policy. The length/ease of claim varies.

          just my experience with NRMA for many years, it's here to help after an accident and many others are not.

        • syousef on 11/11/2014 - 16:26

          @airzone:
          Of course it's an accident unless you were trying to hit the mother or the pram. It's just that your negligence can contribute to an accident.

          The difference? One is vehicular manslaughter. The other is 1st degree murder.

  • FiDad on 08/11/2014 - 18:58

    Also try budget direct, this year their quote was cheaper for me than anyone else. Plus they do $50 refferal gift card which made them extra cheaper

    • FiDad on 08/11/2014 - 19:06

      Just read your post properly and realised you have already done a quote with budget direct. My Bad for not reading properly; i was half asleep. Do compare them with Bingle as sometime Bingle is cheaper and if you decide to go ahead with budget make sure you use the budget direct buddy link to get $50 gift card for yourself as well as your refry. Let me know if you need a referral code. Link with more information about buddy program -https://www.budgetdirect.com.au/existing-customers/buddyinfo.html

  • iSamurai on 08/11/2014 - 23:29

    I'm also looking to renew my car insurance atm. For my case third property was the cheapest with RACQ and comprehensive was NRMA. Currently with RACQ and asked them if they'd match the latter quote. At first they agreed, I said I'll call back later that day but when I called back they declined to price match :/ Progressive, Youi and the lot are surprisingly more expensive.

    • iSamurai on 09/11/2014 - 18:22
      +1

      update: ended up calling RACQ last night again just to see if they'd match NRMA's deal. they eventually did, which was nice.

  • [Deactivated] on 09/11/2014 - 01:06
    +3

    Try Coles and WW. For a car worth so little I'd also consider 3PP with theft and fire. With the $100 WW cash card offer it should cost you sfa.

  • McFly on 09/11/2014 - 01:25
    +1

    Was with RACV for years but a couple of years ago decided to shop around (total 3 cars and 3 houses.)
    Went with Youi as all quotes (except 1 - see below) were cheapest or close enough to the others I looked at.
    Not long after the switch someone damaged my wife's car and the repair process went as smoothly as you could expect (same as RACV.)
    I have the direct number of a friendly and efficient rep and he is pretty much always there and if not other staff have been just friendly and efficient. Just the other day one of the cars was up for renewal (and it had gone up $100) so I had a look around to see what was available. Most of the others were similar, except Woolworths was a bit cheaper (if limiting yearly km's travelled) so I rang my rep and long story short he couldn't for some reason discount that car but took over $200 off one of my other cars. Can't complain.
    (BTW I don't have anything to do with Youi. I just believe in giving good reports about companies that deserve it as well as certainly letting people know about bad or dodgy ones.)

    Re. the quote that wasn't cheaper, that was for my house and it was ridiculously more expensive than RACV. The Youi guy couldn't believe it either and he checked 3 times and with a manager and that's just what it was - algorithms, etc. Another house just a few streets away was much cheaper. Go figure!

  • Geewhizz on 09/11/2014 - 07:01

    go with nrma if you want a no fuss comprehensive car insurance. they don't bs around when making a claim. you get what you pay for and insurance go with those that can look after you the best.

    They were by far the cheapest for us, with more inclusions than those that were more expensive. We have house, contents and car insurance with them - shopped around for each one and they were always the cheapest, with more inclusions. The one time we've ever had to make a claim (after we were burgled) it was straightforward and no nonsense.

    Youi came nowhere near their price, probably amongst the most expensive, with a lot of time sitting on the phone going through their rigmarole.

  • dtgold on 09/11/2014 - 07:40

    Just Car has always been cheapest for me - even cheaper than the online ones, once you compare like-for-like excesses. They market themselves to young people and those with hotted up cars, but I'm in neither category. They're run by AAMI. I've never had to make a claim though (thankfully).

    • airzone on 09/11/2014 - 08:24

      I found justcar to be fairly expensive (when I was young with a hot import).. Suss out Famous Classic - they were much cheaper, especially if you've had the car for more than a year.

      • BarginHunter on 10/11/2014 - 12:54

        $825 with $800 excess for me.

  • Azn310 on 09/11/2014 - 11:08
    +4

    Anyone here realizes that Barinas of 05 are worth 5-6,000? Correct me if im wrong, but i dont think its worth putting comprehensive on this car. If something serious is to happen, insurers are more likely to write it off, because cost of repair is higher than value, and when they write it off, they give you the market value of the car, which in the future would be 3-4,000? I mean you get cover for the same price as a $20-30,000 car but less benefit.

    Third party fire theft would be enough for older cars.

    • mompon on 09/11/2014 - 12:24
      +2

      I agree. I don't have comprehensive insurance for my 2004 Renault Megane, just third party property. If I cause an accident, I will have to pay for the repairs to my car. Doesn't cause me sleepless nights..

      • liquid metal on 09/11/2014 - 13:13
        -2

        What if you cause the accident and the driver is badly injured and ends up with some permanent damage? Does third party property pay then?

        • maxall on 09/11/2014 - 14:06
          +2

          CTP covers that, is that right?

        • Azn310 on 09/11/2014 - 15:18

          Yeah i think ctp covers that. Not sure if ctp covers you if you cause accident and you are badly injured tho, i think they should, i mean Ctp is expensive as hell, almost same as comprehensive for me

        • airzone on 09/11/2014 - 15:25
          +2

          @maxall:

          Yep… CTP covers damage to people, Third party covers the other guys property, and comprehensive covers your property.

        • [Deactivated] on 09/11/2014 - 16:01
          +2

          @airzone: CTP covers injury to THIRD PARTIES (in your vehicle, in another vehicle, pedestrians etc) but some CTP insurers will also cover you (the "negligent"/"unlucky" driver) for injury, subject to certain conditions - essentially that you were legally operating a registered vehicle in a safe manner (ie not drunk etc). Always check the limitations.

        • eatwell365 on 09/11/2014 - 16:02

          @airzone: think you mean comprehensive covers both your property and third party property, plus your personal injury.

        • This Guy on 09/11/2014 - 20:46

          Sorry Liquid Metal, neg'ed wrong comment, I can't un-neg.

          CTP covers people you hit, Third party/third party property/bomb insurance (all the same thing) covers the items you hit.

          However, some companies like NRMA add personal injury cover for the insured driver to CTP and third party. That seems to be limited to major disabilities like loss of arms, legs, eyes and life.

          This is my experience in NSW. Sorry again for the neg.

    • This Guy on 09/11/2014 - 21:18
      +2

      They 2005 Barinia's start at 3k on carsales.

      If OP has comprehensive for two years at $50/m then crashes, OP will have paid $50x 24 + $800 = $3200, more than it costs to replace now.

    • Cluster on 10/11/2014 - 10:42

      Not having comprehensive insurance is fine, but if you get hit by a driver who doesn't have third party property insurance you'll have to personally extract money out of them to repair your car. That may be quite difficult if someone was so cheap they didn't even want to spend $200/year to insure themselves for $10 million of damage they can cause to others.

      • Azn310 on 10/11/2014 - 12:44

        What are the chances of having a serious accident in australia if you drive carefully and always at speed limit really, i reckon it must be really low. Most of the time i see bumper to bumper which doesnt need repair. It only gets serious for those who are on road rages and drive recklessly.

        OP being an ozbrgain and the fact that he/she says he/she finally decided, i assume he/she has been driving without insurance (or with third party) for a while now on that car

        • Geewhizz on 10/11/2014 - 14:15

          What are the chances of having a serious accident in australia if you drive carefully and always at speed limit really, i reckon it must be really low. Most of the time i see bumper to bumper which doesnt need repair. It only gets serious for those who are on road rages and drive recklessly.

          You're not taking into account the actions of other drivers. There are plenty of cars written off, and people killed or injured, in accidents that were not the fault of the driver of that particular vehicle.

        • Azn310 on 11/11/2014 - 00:05

          @Geewhizz: yes you are correct. I do take into account actions of other drivers because i drive for a living. My method to get by the day safely is to assume all other drivers are retarded. What i meant by driving safely is not keeping your lanes, but follow 3 seconds rules, 10kmh below in bad weather conditions, double check intersections even on green lights, constantly scanning, not driving next to truck and so on.. Im sure if all that is taken into consideration, chances of getting into a serious accident is reduced by a lot. Most serious accidents are a bunch of cars rear ending each other, or someone running the red light, or truck involved. These can be avoided if the driver is sensible enough.

          Back to the topic tho, NRMA Third party will cover you against uninsured drivers up to $5,000, provided that you can give details of that driver and the incident. So really in case of OP, comprehensive will only give protection on hail damage, flood, kangaroo, windscreen chip and those similar extras

        • BarginHunter on 20/11/2014 - 15:02

          @Azn310: NRMA don't provide insurance for Victorian motorists.

  • sash213 on 09/11/2014 - 16:30

    Anyone got promo codes for car insurance?

    Woolworths specifically.

    • [Deactivated] on 09/11/2014 - 23:03

      You don't need one for the cash card. Online also gets you a small discount. Adjusting the excess may or may not reduce your premium.

  • pikapika on 09/11/2014 - 16:37
    +1

    I found the Woolies to be the cheapest…So then I rang up Budget to see if they could match it because I was going to leave them. ALL of a sudden they were willing to give me the deal I wanted. I had to say I was going to not travel any more than 8k in a year (which is fine..I won't) but if I wanted I could change it at any time.

    I'm fully covered.

  • pheasant_plucker on 09/11/2014 - 18:56
    +2

    Insurance is one of those areas where getting cheaper isn't always better. If you're going to insure a vehicle then you want to be checking out the Allianz, AAMI, RAC/RAA/RACV/NRMA type insurers and picking the cheapest of that bunch. The online insurers look great value until it comes time to claim. The amount of time, hassle and hardship endured through the cheaper providers (be it due to skeleton resourcing or just plain dickery) often sees people tearing their hair out and regretting their decision.

    Don't get me wrong, every insurer would have someone out there who is willing to tell you how horrendous they are but for the most part the bigger companies are by far the easiest to work with during the claims process and the turnaround is somewhere between 3-10 times quicker.

    • Hellfire on 09/11/2014 - 19:19

      You can cross AAMI off that list. They are a budget insurer.

      • pheasant_plucker on 09/11/2014 - 20:57

        AAMI aren't a budget insurer in terms of resourcing. They made a business decision a few years ago to take losses in order to undercut the market leaders and take the lions share of the market. Think you'll find in the next few years that business model will change once more and their pricing will be revised accordingly.

        • [Deactivated] on 09/11/2014 - 23:05

          Their premiums increased significantly (for us and family - cars and home) a while back after they were sold. We've gone elsewhere since.

        • Hellfire on 10/11/2014 - 13:09

          AAMI have always been a budget insurer. They just managed to persuade a lot of people they weren't via clever advertising (and Suncorp launching Bingle to take over that portion of the market). They are really struggling to find their place in the market at the moment due to challenger brands undercutting them and premium brands offering a better product.

        • [Deactivated] on 10/11/2014 - 17:13

          @Hellfire: what constitutes "a budget insurer" precisely? One which doesn't charge an arm and a leg?

  • [Deactivated] on 09/11/2014 - 20:48

    NRMA were the best / cheapest by far for me, full comprehensive insurance on a subaru forester cost me $320 per year. $600 excess if I need to claim.

  • This Guy on 09/11/2014 - 21:37
    +4

    If you want comprehensive, make sure you get agreed value.

    But

    Comprehensive is overkill for a $3000 car. There is a 2005 XC Barinia for $3000 on carsales. If you buy comprehensive insurance for two years, crash and pay excess, you will be out $200 (assuming that $50/m policy covers your crash).

    You need Third Party Property (in addition to CTP or your state's equivalent) because if you hit a $40,000 car, you may be sued for the cost of its repairs by the other driver's insurance company.

    Like Azn310 suggested, Fire and Theft may make sense to you. Depending on your situation, it may cost a few hundred more or may even be cheaper than plain Third Party Property. Just remember, many companies add age and experience charges to excess, so your $800 excess may jump to $1600, making Fire and Theft far less attractive to claim.

    Finally, I've been with NRMA since I was 18. Third Party property was $450 for my first policy, but every year after, as my no claim discount and policy count grew, their price has been cheaper for ME than the competition (YMMV). For CTP (EDIT:after 10 years), my best online quote was $500 with a different insurer. My local NRMA branch was able to drop that to $400.

    • eatwell365 on 10/11/2014 - 11:29
      +1

      my 2 cents from experience - always negotiate agreed value up. otherwise likely to be written off in an accident.
      eg. $3000 car insured = when written off, $3000 - $800. Ie only get $2200. If you buy another car, pay for rego $250 and tax $100 and CTP insurance $700. Left less than $1000 to buy another car which is impossible.

      • BarginHunter on 10/11/2014 - 13:02

        That's something that is actually worrying me with Youi, they don't give me a set value. They just said an accessor from my area would come out and make a decision on how much the car is worth.

        Also, I was thinking of only getting third party and fire and theft but then I read someone's comment which was along the lines of, if you can't afford to replace your car if you crash it, then it's worth getting comprehensive insurance.

        But after reading some of the comments on here I think I might just get 3rd party and fire and theft.

        After reading about CTP on http://comparethemarket.com.au. It seems in Victoria we are covered via TAC fee that we pay with the rego?

        • [Deactivated] on 10/11/2014 - 17:23
          +2

          Accidents are rare but they happen. Frankly I wouldn't be throwing money away on expensive comprehensive on that vehicle but that's me. Comparethemarket is rubbish in my experience - do your own online quotes and adjust certain parameters until you get the price and excess etc you think is reasonable.

          CTP is compulsory in all states and unfortunately in Vic you don't get a choice of providers as you've discovered.

  • Grok on 10/11/2014 - 11:23
    +3

    Budget Direct are fine they are very cheap and will pay claims promptly.

    But make sure you comply with ALL their conditions because they will ask and will not pay if you misled them even by accident.

    Tell them about any fines or modifications to your car. They will look for a way not to pay you. That is why they are cheap, they only want "safe" customers.

    • Wampus on 10/11/2014 - 16:33

      This ^^^

      Incredibly important especially for the budget insurers. As Sam said, they WILL look for a way not to pay you. I spent a couple of years transcribing insurance interviews for investigators and assessors. Anything you don't report, even by accident, they will jump on like a fat kid on a cupcake. And if there was ever a reason to not drink and drive - the sheer amount of people who smacked their car into something, blew slightly over (especially P's on 0.00) and were left with a crumpled car and no insurance payout…

  • BarginHunter on 10/11/2014 - 13:46

    I just did a quick quote on Budget direct for 3rd party fire and theft and it was like $44/month -.-

    Is there a site I can use to compare third party insurance or do I just need to go to each insurance website individually?

    • Azn310 on 11/11/2014 - 00:09
      +1

      I reckon Coles is cheapest for third party, at about $300-350 a year. You are also covered against uninsured drivers up to $3,000. NRMA is probably best because they cover against uninsured up to $5,000 with some other extras.

      • BarginHunter on 20/11/2014 - 15:03

        A lot of people here are warning me to stay away from Coles and Woolies. Do you have any experience with either one?

  • Moj0 on 10/11/2014 - 15:08
    +1

    Have u tried Allianz? 25% discount currently with promo code `WEST'

    • McFly on 10/11/2014 - 22:45
      +2

      I won't use them just because of their blaaaaaady annoying ad! :-p

  • Mulga Bill on 10/11/2014 - 15:27

    Who is the registered owner? My wife works for an insurance company and she gets a lot of people trying to make their insurance cheaper by putting it under someone elses name. (with her company) The registered owner needs to insure the car not the main driver and if this is confused when taking a policy out over the internet there may not be anyone to tell you you have made a mistake….until its time to claim!

    Also I have never used Youi but a friend has. She wrote her car off and was told SHE has to find a car like hers with similar KMS and condition for sale and they will use that as the market value. Her car was not very common so could not find many for sale like hers and had to accept a lower value than expected….she has since gone with a different company.

  • bs0 on 10/11/2014 - 21:08
    +1

    Would recommend NRMA.

    it was fairly decent for Mazda 3 under comprehensive insurance with under 25 driver inclusion.

    Though i was lucky that my car is under my parents insurance (dad has max no-claim bonus)

  • Malarkey on 11/11/2014 - 01:00

    If you are shopping for insurance based on price alone, your going to have a bad time… Read the PDS, find out what your covered for for each policy and make at least a half informed decision.

    • [Deactivated] on 11/11/2014 - 12:55
      +1

      Agreed but first you need to weigh up the ongoing cost Vs the value of the vehicle and the excess involved (plus loss of your remaining rego & CTP if the vehicle is written off) if he has an accident to determine what sort of insurance is best in your situation. As pointed out elsewhere comprehensive on the OP's vehicle will probably cost him the equivalent of the vehicle's worth after 3-4 years depending on his risk category (under 25 etc). Then you need to weigh up your actual risk profile (theft, city driving and parking etc) Vs your potential loss, and again in the case of older vehicles it's almost invariably in the favour of TPP, not comprehensive.

      • Malarkey on 11/11/2014 - 13:00

        Completely agree, there is no way I'd get comprehensive insurance on a car worth 3-4k Third party/fire and theft would be perfect

  • cycleri3 on 11/11/2014 - 13:07

    Real Insurance was cheapest for me!

  • kumilee on 11/11/2014 - 19:56

    There's insurance and there's insurance.

    Not all insurances are created equally and I'm not talking about price. You should compare the PDSs to compare what is actually included in your policy. Some policies are cheap because they cut things out that you want. If you're looking for full service comprehensive insurance, you really do get what you pay for.

    Don't compare based solely on price or you'll be caught out when it's time to claim.

    FYI, I'm totally biased and work at an insurance brokerage - www.elliottinsurance.com.au

    • Azn310 on 11/11/2014 - 22:35

      Exactly, i especially pay attention to the excess section of the pds. Some insurance companies put in a lot of different excesses like inexperience driver, under 21, under 25, driver not listed on policy, unlucky driver etc

  • Karaxela on 12/11/2014 - 06:44

    have you tried aami? youii quoted me $93/m but aami offered me $69/m quote so i went for that in the end about 2 months ago.

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