YOUNG AND COOL wont insure me

bushido · Post by **bushido** » Wed Oct 31, 2007 11:52 am

Yeh just called them up for a quote and they wouldn't insure me because I've had a license suspension. Any other companies who will? I'm 19 and apart from the suspension, have a perfect driving record.

Post by **BorepYano** » Wed Oct 31, 2007 11:55 am

lol obviously you are not cool jk jk

um... just cars insured me knowing i had my license suspended, so try them? o_0'

Post by **Supplanter** » Wed Oct 31, 2007 11:56 am

You aren't cool enough, that's the real problem

have you tried Just Cars yet? what about just 3rd party?

bushido · Post by **bushido** » Wed Oct 31, 2007 12:10 pm

Just cars full comp --> $4885. HAHAHAHA

. 3rd party fire and theft--> $1052.. I think ill go with that? Unless i can get a full comp for around the same price. Highly unlikely eh?

eThix · Post by **eThix** » Wed Oct 31, 2007 12:12 pm

Young and cool are getting tight with who they insure, they don't like people with turbo any more.

mr-charisma · Post by **mr-charisma** » Wed Oct 31, 2007 1:02 pm

bushido wrote:Just cars full comp --> $4885. HAHAHAHA . 3rd party fire and theft--> $1052.. I think ill go with that? Unless i can get a full comp for around the same price. Highly unlikely eh?

omg, thats insane... i'd be getting third party, even if it isn't third party fire & theft..

to give you an idea, it was going to be i think $470 for third party fire & theft & my comprehensive premium this year was $1050 or so .. but thats rating 1 with a clean record & 5 years driving

Delvance · Post by **Delvance** » Wed Oct 31, 2007 2:17 pm

Yeah just cars cover people that have had their licence suspended. Eg my dad

no choice of repairer though

eThix · Post by **eThix** » Wed Oct 31, 2007 4:11 pm

WTF $4000!!!
dude my full comp is $1500 and i'm 20 clean record.
god i hope it doesn't get to expensive next year from my crash

Post by **Bennoz** » Wed Oct 31, 2007 4:30 pm

bushido wrote:Just cars full comp --> $4885. HAHAHAHA . 3rd party fire and theft--> $1052.. I think ill go with that? Unless i can get a full comp for around the same price. Highly unlikely eh?

Careful of the fineprint. The fire theft will only cover upto $10k...

eThix · Post by **eThix** » Wed Oct 31, 2007 5:04 pm

is that for all cars Ben?

Post by **Bennoz** » Wed Oct 31, 2007 5:20 pm

eThix wrote:is that for all cars Ben?

Yep - but thats only the Just Cars policy. Chances are it will be different with other insurance companies.

mr_f700 · Post by **mr_f700** » Wed Oct 31, 2007 6:08 pm

just cars quoted me around 8500 4 comp so i just got 3rd party property and fire n theft

rock_it · Post by **rock_it** » Wed Oct 31, 2007 6:18 pm

GIO have a custom cars division... I am with them ...

Shannons wont tough me cause the suspension of my licence over 3 (almost 4 years ago) Young and Cool were OK with me, but cost too much, and pretty much the same for all other places.

Gio's insurance will beat any quote you get by 10% btw ... So shop around and then go to them ...

FTO99R · Post by **FTO99R** » Thu Nov 01, 2007 9:52 am

eThix wrote:dude my full comp is $1500 and i'm 20 clean record.

Man thats cheap. I'm 21, clean record and I pay about $2600. Who are you with?

boarsai · Post by **boarsai** » Thu Nov 01, 2007 10:36 am

You guys have got to remember, we're not all insuring the same car! There's more variables then just where, age, experience and driving history...

The amount you're insuring full comp... ie agreed value / market value... and then the actual value of the car... then the list of modifications, if it's man/aut... the actual person giving you the quote. All these things can vary it hugely. Hell I've had the same company offer me 2 different quotes on the same car varying by up to as much as $500... another day they flat out refused to insure me

FTO99R · Post by **FTO99R** » Thu Nov 01, 2007 11:05 am

boarsai wrote:You guys have got to remember, we're not all insuring the same car! There's more variables then just where, age, experience and driving history...

I couldnt agree more.

But say your early 20's with roughly 30 - 40% no claim, you've got the car insured for about $12k and you've got no mods $1500 is still cheap.

My situation is that above + wheels + insured for $16k and it costs me $2600 so eThix definately has a good deal. Though his excess could be massive (mines only $1000).

Delvance · Post by **Delvance** » Thu Nov 01, 2007 11:07 am

Mine's insured for $26k

Someone write me off already lol j/k

mr-charisma · Post by **mr-charisma** » Thu Nov 01, 2007 12:37 pm

FTO99R wrote:
boarsai wrote:You guys have got to remember, we're not all insuring the same car! There's more variables then just where, age, experience and driving history...
I couldnt agree more.

But say your early 20's with roughly 30 - 40% no claim, you've got the car insured for about $12k and you've got no mods $1500 is still cheap.

My situation is that above + wheels + insured for $16k and it costs me $2600 so eThix definately has a good deal. Though his excess could be massive (mines only $1000).

mines insured for i think just under $15k (got them to bump it up from 10-11k)
21 years old (22 in a couple of weeks), clean driving history, 17' wheels, air intake & extractors
$1070 per year + $500 excess

Delvance · Post by **Delvance** » Thu Nov 01, 2007 12:53 pm

That's pretty low...wouldn't cover the cost of replacing it for something similar =/

Mine's honestly insured for 26k with just a few accessories. Downside is the premium is also quite high (apparently i live in a sketch neighbourhood

)

JOeJOe · Post by **JOeJOe** » Thu Nov 01, 2007 12:54 pm

Brisbane is always so much cheaper then sydney.