MINI2

Tit · Jan 7th, 2005, 11:01 AM

Yes....The only thing I haven't confirmed yet is if I can get coverage on an agreed value....

Fingers crossed!

Brokers could be a good option too. For some this quote might not be so special, however my driving history dosen't help me when shopping around....

What I do know for sure is that shopping around for insurance can only mean that the time is approaching rapidly for my mini to arrive!!!

gazah · Jan 7th, 2005, 01:09 PM

Quote: Originally Posted by Tit

[i]"... for the Mini... the premium for Jan 05 - 30/6/05 is $479.65. This is the same price as your Commodore so I can just swap it over when you wish.

i know it'd be an odd interpretation of the situation, but it might be worth asking what the cost upon renewal will be [at today's rates]... maybe they're just transfering your current cover, but will reassess mid-year!?

either way, you're still saving $$ now, so meh!

Tit · Jan 7th, 2005, 01:30 PM

Quote: Originally Posted by gazah

i know it'd be an odd interpretation of the situation, but it might be worth asking what the cost upon renewal will be [at today's rates]... maybe they're just transfering your current cover, but will reassess mid-year!?

either way, you're still saving $$ now, so meh!

Who knows...I'll ask that question first thing next week...

Todd! · Jan 8th, 2005, 08:20 AM

Doona - Dan - what do you think of this situation?

miggs2002 · Jan 8th, 2005, 08:54 AM

[quote=ks_cooper]Hmm interesting. I'm 26 and I pay about $1200 a year with 65% NCB. BMW wanted $1500. QUOTE]

I am also 26. I am through AAMI. I am paying $785 with full Rating 1 discout. So from all the other posts, it sound like I am getting a good deal.

Michael

brett · Jan 8th, 2005, 11:01 AM

[quote=miggs2002]

Quote: Originally Posted by ks_cooper

Hmm interesting. I'm 26 and I pay about $1200 a year with 65% NCB. BMW wanted $1500. QUOTE]

I am also 26. I am through AAMI. I am paying $785 with full Rating 1 discout. So from all the other posts, it sound like I am getting a good deal.

Michael

AAMI will no longer insure Mini Cooper S owners under 30 they told me the otherday when I rang them as I had them before on the Cooper. As apparently when us young people crash them it is usually big time. I told them it has 125 kw less than a Falcon but still no go. So if your with AAMI just be carefull next time you do your renewal.

But yeah I went through a Car broker and saved me a few quid.

Deacon Bill · Jan 8th, 2005, 03:12 PM

Whoa! Things are different all over. My full coverage in the States came to $ 576 a year. I do happen to 49, though.

Todd! · Jan 8th, 2005, 03:44 PM

Dont forget the Aussie conversion mate...

My dad pays $600 full comp - agreed value - $75,000 on his Cobra... with Shannons (51 y.o)
I pay $700 full comp - agreed value - $7,000 for my 1974 BMW 2002... With OAMPS (21 y.o)

Mine will change though - as I crashed (own fault) the mini

Baker · Jan 8th, 2005, 03:49 PM

Shannons won't touch me, told me come back when you're older - even though I'm a member of Mini clubs etc.

Todd! · Jan 8th, 2005, 03:55 PM

had the same - my dad has been wih shannons with a number of cars for almost as long as they have been around "Your only 18? Sorry, have a nice day..." amd hung up...

From taht - I would never use them again!

Baker · Jan 8th, 2005, 06:02 PM

It just seems to me that they aren't the entusiest oriented company they claim to be.

CanberraCooperS · Jan 9th, 2005, 05:43 AM

It sounds far to good to be true... i would seriously want to look a the fine print to see what you are covered for... and if you have a choice of repairer... and if they give lifetime repair warranties on repairs...
Cheap insurance is attainable anywhere.. Good insurance is something you have to pay for.

mind you when i turned 31 my insurance dropped from $1200 to just under 1000 thats with all my mods. Still with the NRMA.

Tit · Jan 9th, 2005, 05:45 AM

Didn't you know? People under the age of 40 aren't allowed to be enthusiasts....we're just a 'nuisance'....

I lived in Manitoba, Canada all of 2003 with some friends. We used to refer to it as the communist province of Manitoba because of the way the government managed everything. Anyway....everything was back-wards...you insured the car, and got roadside assistance for the person....all very strange.....and the only car insurance available was through the Manitoban equivalent of the RTA or Vic roads.....! And it was cheap as dirt.

A funny side story: A mate of mine, when we arrived, bought a car for CAD$1. It was an absolute bucket, but it managed to work in the -25degree winters...we had an accident in it where he slid side-ways on the ice into a Manitoba Hydro truck and the car was written off (there was 5 people in it, plus 1 dude in the boot - in a car the size of an excel)....no-one was hurt and he walked away with CAD$1000 for the payout! ...winner!

Todd! · Jan 9th, 2005, 05:55 AM

LOL - that is classic!! I cant believe no one was hurt!!

ScottyB · Jan 9th, 2005, 06:01 AM

PMSL good work Tit

I especially like the bit about +1 in the boot

Tit · Jan 9th, 2005, 06:06 AM

Yeah! someone even had the foresight to jump out and take a photo of him as he was trying to climb out! I have it here somewhere....hmmm....

haha...

we were extremely lucky no-one was hurt....

our collective group of four people had 6 accidents (mostly minor) among us in the first 5 weeks....Aussies and roads covered in 4 inches of packed down ice and snow don't mix! Our Canandian friends thought it was all very amusing...

IML337 · Jan 9th, 2005, 09:58 AM

It's not too good to be true at all - I believe it

it's just a standard fleet insurance policy price. Back in the day when I leased my Audi A3 through Leaseplan, I was rather young (20) and had it insured for $750 a year. The premiums were $750 a year for cars under $50k, and $900 a year for cars over $50k. Any car - no exceptions.

Unfortunately such blanket fleet insurance policies are becoming rarer and rarer these days, most probably for obvious reasons... Unfortunately a change in my employment circumstances meant that I had to use a different fleet company to lease my Cooper S and they didn't provide such a blanket policy

So I'm paying thousands a year for insurance, like the rest of us "kids"

However, the thing that confuses me is that they are offering a policy to you even though they aren't managing the lease of your vehicle?! What's all that about?

GOGADGET · Jan 9th, 2005, 10:09 AM

Quote: Originally Posted by IML337

It's not too good to be true at all - I believe it

it's just a standard fleet insurance policy price. Back in the day when I leased my Audi A3 through Leaseplan, I was rather young (20) and had it insured for $750 a year. The premiums were $750 a year for cars under $50k, and $900 a year for cars over $50k. Any car - no exceptions.

Unfortunately such blanket fleet insurance policies are becoming rarer and rarer these days, most probably for obvious reasons... Unfortunately a change in my employment circumstances meant that I had to use a different fleet company to lease my Cooper S and they didn't provide such a blanket policy

So I'm paying thousands a year for insurance, like the rest of us "kids"

However, the thing that confuses me is that they are offering a policy to you even though they aren't managing the lease of your vehicle?! What's all that about?

I'm on my Companys Fleet insurance $1,200 pa. And I'm over 35 (I know that's hard to believe )

Tit · Jan 9th, 2005, 10:20 AM

Quote: Originally Posted by IML337

...However, the thing that confuses me is that they are offering a policy to you even though they aren't managing the lease of your vehicle?! What's all that about?

EXACTLY...that's the part I'm wrestling with....

oxygen · Jan 9th, 2005, 10:28 AM

I've just paid my fully comp insurance with a Rating one for life with AAMI and it cost me $514 for the year..
That for a MCS with sunroof and leather...
I'm 33 and amazingly enough haven't lost my license since 1988...
I also haven't written off a car since then either.

Here's a tip. Lower your Premium with AAMI by asking them about increasing your excess.
I also had an agreed price of $50k or replacement new car for 2 years, $2k more than what I paid for the car, just to cover the excess too..

Jan 7th, 2005, 01:09 PM	#42 (permalink)
gazah M2 Procrastinator Join Date: Jan 2003 Location: sydney, OZ! Local Time: 10:29 AM Posts: 2,045 Offline	Quote: Originally Posted by Tit [i]"... for the Mini... the premium for Jan 05 - 30/6/05 is $479.65. This is the same price as your Commodore so I can just swap it over when you wish. i know it'd be an odd interpretation of the situation, but it might be worth asking what the cost upon renewal will be [at today's rates]... maybe they're just transfering your current cover, but will reassess mid-year!? either way, you're still saving $$ now, so meh! come MOTOR with clubMINI

Jan 8th, 2005, 08:20 AM	#44 (permalink)
Todd! Boy who made the wolf cry Join Date: Mar 2004 Location: Geelong, Vic, Aus Local Time: 10:29 AM Posts: 10,892 Offline	Doona - Dan - what do you think of this situation? PROJECT POLARIS - Die Wiedergeburt eines kultautos

Jan 8th, 2005, 11:01 AM	#46 (permalink)
brett 1st MINI Owner in QLD !!! Join Date: Jun 2002 Location: St George Local Time: 10:29 AM Posts: 2,410 Offline	[quote=miggs2002] Quote: Originally Posted by ks_cooper Hmm interesting. I'm 26 and I pay about $1200 a year with 65% NCB. BMW wanted $1500. QUOTE] I am also 26. I am through AAMI. I am paying $785 with full Rating 1 discout. So from all the other posts, it sound like I am getting a good deal. Michael AAMI will no longer insure Mini Cooper S owners under 30 they told me the otherday when I rang them as I had them before on the Cooper. As apparently when us young people crash them it is usually big time. I told them it has 125 kw less than a Falcon but still no go. So if your with AAMI just be carefull next time you do your renewal. But yeah I went through a Car broker and saved me a few quid. 1968 Mk1 Morris Cooper S 1310cc Downton Lake Green - White 1974 Leyland Mini 1098c Country Cream 2008 MINI Cooper S Chilli Pepper White - Black Roof

Jan 8th, 2005, 03:12 PM	#47 (permalink)
Deacon Bill Happy MCS Owner Join Date: Oct 2004 Location: Oklahoma Local Time: 07:29 PM Posts: 33 Offline	Whoa! Things are different all over. My full coverage in the States came to $ 576 a year. I do happen to 49, though. Take it easy.

Jan 8th, 2005, 03:44 PM	#48 (permalink)
Todd! Boy who made the wolf cry Join Date: Mar 2004 Location: Geelong, Vic, Aus Local Time: 10:29 AM Posts: 10,892 Offline	Dont forget the Aussie conversion mate... My dad pays $600 full comp - agreed value - $75,000 on his Cobra... with Shannons (51 y.o) I pay $700 full comp - agreed value - $7,000 for my 1974 BMW 2002... With OAMPS (21 y.o) Mine will change though - as I crashed (own fault) the mini PROJECT POLARIS - Die Wiedergeburt eines kultautos

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Jan 7th, 2005, 11:01 AM	#41
Tit Still kickin' along Join Date: Nov 2004 Location: Canberra, Australia Local Time: 10:29 AM Posts: 3,139 Offline	Yes....The only thing I haven't confirmed yet is if I can get coverage on an agreed value.... Fingers crossed! Brokers could be a good option too. For some this quote might not be so special, however my driving history dosen't help me when shopping around.... What I do know for sure is that shopping around for insurance can only mean that the time is approaching rapidly for my mini to arrive!!!

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Jan 7th, 2005, 01:30 PM	#43 (permalink)
Tit Still kickin' along Join Date: Nov 2004 Location: Canberra, Australia Local Time: 10:29 AM Posts: 3,139 Offline	Quote: Originally Posted by gazah i know it'd be an odd interpretation of the situation, but it might be worth asking what the cost upon renewal will be [at today's rates]... maybe they're just transfering your current cover, but will reassess mid-year!? either way, you're still saving $$ now, so meh! Who knows...I'll ask that question first thing next week...

Jan 8th, 2005, 08:54 AM	#45 (permalink)
miggs2002 MINI2 Newbie Join Date: Dec 2004 Location: St Kilda East Local Time: 11:29 AM Posts: 18 Offline	[quote=ks_cooper]Hmm interesting. I'm 26 and I pay about $1200 a year with 65% NCB. BMW wanted $1500. QUOTE] I am also 26. I am through AAMI. I am paying $785 with full Rating 1 discout. So from all the other posts, it sound like I am getting a good deal. Michael

Jan 8th, 2005, 03:49 PM	#49 (permalink)
Baker Being normal is not fun! Join Date: Jul 2004 Location: Newcastle, Australia Local Time: 10:29 AM Posts: 4,270 Offline	Shannons won't touch me, told me come back when you're older - even though I'm a member of Mini clubs etc.

Jan 8th, 2005, 03:55 PM	#50 (permalink)
Todd! Boy who made the wolf cry Join Date: Mar 2004 Location: Geelong, Vic, Aus Local Time: 10:29 AM Posts: 10,892 Offline	had the same - my dad has been wih shannons with a number of cars for almost as long as they have been around "Your only 18? Sorry, have a nice day..." amd hung up... From taht - I would never use them again! PROJECT POLARIS - Die Wiedergeburt eines kultautos

Jan 8th, 2005, 06:02 PM	#51 (permalink)
Baker Being normal is not fun! Join Date: Jul 2004 Location: Newcastle, Australia Local Time: 10:29 AM Posts: 4,270 Offline	It just seems to me that they aren't the entusiest oriented company they claim to be.

Jan 9th, 2005, 05:43 AM	#52 (permalink)
CanberraCooperS Gone Old School Join Date: Jun 2003 Location: Canberra Local Time: 11:29 AM Posts: 777 Offline	It sounds far to good to be true... i would seriously want to look a the fine print to see what you are covered for... and if you have a choice of repairer... and if they give lifetime repair warranties on repairs... Cheap insurance is attainable anywhere.. Good insurance is something you have to pay for. mind you when i turned 31 my insurance dropped from $1200 to just under 1000 thats with all my mods. Still with the NRMA.

Jan 9th, 2005, 05:45 AM	#53 (permalink)
Tit Still kickin' along Join Date: Nov 2004 Location: Canberra, Australia Local Time: 10:29 AM Posts: 3,139 Offline	Didn't you know? People under the age of 40 aren't allowed to be enthusiasts....we're just a 'nuisance'.... I lived in Manitoba, Canada all of 2003 with some friends. We used to refer to it as the communist province of Manitoba because of the way the government managed everything. Anyway....everything was back-wards...you insured the car, and got roadside assistance for the person....all very strange.....and the only car insurance available was through the Manitoban equivalent of the RTA or Vic roads.....! And it was cheap as dirt. A funny side story: A mate of mine, when we arrived, bought a car for CAD$1. It was an absolute bucket, but it managed to work in the -25degree winters...we had an accident in it where he slid side-ways on the ice into a Manitoba Hydro truck and the car was written off (there was 5 people in it, plus 1 dude in the boot - in a car the size of an excel)....no-one was hurt and he walked away with CAD$1000 for the payout! ...winner!

Jan 9th, 2005, 05:55 AM	#54 (permalink)
Todd! Boy who made the wolf cry Join Date: Mar 2004 Location: Geelong, Vic, Aus Local Time: 10:29 AM Posts: 10,892 Offline	LOL - that is classic!! I cant believe no one was hurt!! PROJECT POLARIS - Die Wiedergeburt eines kultautos

Jan 9th, 2005, 06:01 AM	#55 (permalink)
ScottyB Take me down to Paradise My Classifieds Join Date: Mar 2004 Location: David McGhan's World Local Time: 10:29 AM Posts: 191,547 Offline	PMSL good work Tit I especially like the bit about +1 in the boot - Global Moderator - MY BLOG - Global Procrastinator - ... Buying the 8C for its dynamic abilities is like buying a porn film for its plot ...

Jan 9th, 2005, 06:06 AM	#56 (permalink)
Tit Still kickin' along Join Date: Nov 2004 Location: Canberra, Australia Local Time: 10:29 AM Posts: 3,139 Offline	Yeah! someone even had the foresight to jump out and take a photo of him as he was trying to climb out! I have it here somewhere....hmmm.... haha... we were extremely lucky no-one was hurt.... our collective group of four people had 6 accidents (mostly minor) among us in the first 5 weeks....Aussies and roads covered in 4 inches of packed down ice and snow don't mix! Our Canandian friends thought it was all very amusing...

Jan 9th, 2005, 09:58 AM	#57 (permalink)
IML337 saving the world Join Date: Jul 2002 Location: Sydney, Aus Local Time: 10:29 AM Posts: 3,063 Offline	It's not too good to be true at all - I believe it it's just a standard fleet insurance policy price. Back in the day when I leased my Audi A3 through Leaseplan, I was rather young (20) and had it insured for $750 a year. The premiums were $750 a year for cars under $50k, and $900 a year for cars over $50k. Any car - no exceptions. Unfortunately such blanket fleet insurance policies are becoming rarer and rarer these days, most probably for obvious reasons... Unfortunately a change in my employment circumstances meant that I had to use a different fleet company to lease my Cooper S and they didn't provide such a blanket policy So I'm paying thousands a year for insurance, like the rest of us "kids" However, the thing that confuses me is that they are offering a policy to you even though they aren't managing the lease of your vehicle?! What's all that about?

Jan 9th, 2005, 10:09 AM	#58 (permalink)
GOGADGET All Worked Up Join Date: Jun 2004 Location: Location: Location Local Time: 10:29 AM Posts: 2,784 Offline	Quote: Originally Posted by IML337 It's not too good to be true at all - I believe it it's just a standard fleet insurance policy price. Back in the day when I leased my Audi A3 through Leaseplan, I was rather young (20) and had it insured for $750 a year. The premiums were $750 a year for cars under $50k, and $900 a year for cars over $50k. Any car - no exceptions. Unfortunately such blanket fleet insurance policies are becoming rarer and rarer these days, most probably for obvious reasons... Unfortunately a change in my employment circumstances meant that I had to use a different fleet company to lease my Cooper S and they didn't provide such a blanket policy So I'm paying thousands a year for insurance, like the rest of us "kids" However, the thing that confuses me is that they are offering a policy to you even though they aren't managing the lease of your vehicle?! What's all that about? I'm on my Companys Fleet insurance $1,200 pa. And I'm over 35 (I know that's hard to believe ) GETTING ALL RALLYED UP and a little bit sideways

Jan 9th, 2005, 10:20 AM	#59 (permalink)
Tit Still kickin' along Join Date: Nov 2004 Location: Canberra, Australia Local Time: 10:29 AM Posts: 3,139 Offline	Quote: Originally Posted by IML337 ...However, the thing that confuses me is that they are offering a policy to you even though they aren't managing the lease of your vehicle?! What's all that about? EXACTLY...that's the part I'm wrestling with....

Jan 9th, 2005, 10:28 AM	#60 (permalink)
oxygen 02-OXY Join Date: Nov 2004 Location: Gold Coast Australia Local Time: 10:29 AM Posts: 68 Offline	I've just paid my fully comp insurance with a Rating one for life with AAMI and it cost me $514 for the year.. That for a MCS with sunroof and leather... I'm 33 and amazingly enough haven't lost my license since 1988... I also haven't written off a car since then either. Here's a tip. Lower your Premium with AAMI by asking them about increasing your excess. I also had an agreed price of $50k or replacement new car for 2 years, $2k more than what I paid for the car, just to cover the excess too..

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