OFFROADSUBARUS.COM

Go Back   OFFROADSUBARUS.COM > Technical Forums > Mods, Insurance, Local Compliance & you

Notices

Reply
Thread Tools Display Modes
  #21  
Unread 3rd April 2012, 01:44 AM
Ratbag's Avatar
Ratbag Ratbag is offline
Administrator
 
Join Date: Jan 2012
Location: Bayside, Melbourne, Vic
Year: MY06, MY10
Model: Forester SG & SH
Transmission: 5MT/DR & 4EAT Sports
Posts: 6,225
Ratbag is on a distinguished road
Default

G'day again Taza

Quote:
Originally Posted by taza View Post
Condition wise my Foz has alot less car park dents and the likes for its age. the bumpers have some slight scuffing on the undersides from offroad but upwise they aren't pressed in by reversing into anything and the paint work cmoes up really well with a good wash and polish. especially for its age. The interior condition again is in good condition, a few scuffs but what car thats over 10years old doesn't have any. Again no tears in the seats or stains.

For example if the car were in a major accident most of the time its not driven out but towed so the mechanical condition is unknown

Even a very ordinary loss adjuster would take one look at the inside of your exhaust and that would tell him just about everything he heeds to know about the condition of your engine ...

Like Tax Auditors, never make the mistake of thinking that these people aren't very smart. They are generally very smart indeed.

Quote:
But that's soon to be changed with all this money being poored into it. I know at the present time for my car (being a Limited model too, so comaprable to an XS) is insured for $9,500 bone stock.
Yeah. They were certainly a very nice unit. Well equipped in every way.

Quote:
Then adding all the accessories and mods.

eg. Boot liner, lift kit and suspension work, roof racks, basket, spotties, seat covers, stereo(head unit, sub, amps, speakers),tow bar, sumpguard, floor mats, uhf, etc... then soon the charger, custom gearbox with LSD's and front bar. All up it adds to quite a few thousand dollars.
It sure does.
It might be a very good idea to put the s/c on your L-series ...
Insurance companies generally do not like this sort of thing!
If going to a 225/60 16" voids my insurance, what do you reckon fitting a s/c will do?


Quote:
Did you send photo's into your insurer as proof of what you have?
No. They took my word for it.

All the extras will also be listed on the amended policy document when I get it.

However, I have the photos; both mine and those taken by the dealer I bought the car from. It will probably never again be as clean inside and out as it was just before I bought it ... .
Include a photo of your odometer readings for each date you do a photography session. I recommend that this is done annually.

With digital cameras, the whole session shouldn't take more than about half an hour. It doesn't hurt if your camera has the ability to apply a visible time & date stamp on the photo itself. If it has, turn it on for the session. Of course, this info is also available in the EXIF data.

That reminds me, I haven't done the Camry for a while ...
Reply With Quote
  #22  
Unread 3rd April 2012, 04:52 AM
mr turbo's Avatar
mr turbo mr turbo is offline
Administrator and Founders' Friend
 
Join Date: Jul 2008
Location: Sydney, AUSTRALIA & ORS.com
Year: MY05
Model: Forry XT
Transmission: manual
Posts: 6,998
mr turbo is on a distinguished road
Default

There's some very good information you have posted up there Ratbag

It might be time for me to do a full detail (especially of the inside) of mine I think

Thats also a good idea re taking a pic of the odometer reading too mate.
I didn't think of that one

Regards
Mr Turbo
__________________
We go anywhere & everywhere together as nothing's too hard in a Forry
Some call it Man V's Wild ...but here... We call it Camping
Reply With Quote
  #23  
Unread 3rd April 2012, 05:06 AM
taza's Avatar
taza taza is offline
Forum Member
 
Join Date: Oct 2010
Location: Perth, Western Australia
Posts: 3,837
taza is on a distinguished road
Default

Just got 3rd party insurance for the L just incase I hit someone or something. Especially with winter coming and not the best brakes.

Only $19 a month, so then I can atleast cancel it if I sell the car when the Foz is fixed.
__________________
Current vehicle - 84 MY Wagon EJ22 4 Speed
Reply With Quote
  #24  
Unread 3rd June 2012, 12:18 AM
stilson's Avatar
stilson stilson is offline
Forum Member
 
Join Date: Dec 2011
Location: Sunny Balga WA
Posts: 1,793
stilson is on a distinguished road
Default

Just a quick heads up to you guys out there holding off on a few choice mods such as lift and tyres due to non insurability you may wish to enquire with Shannons. They pretty well insist you modify your car for them to insure it. I will do some more digging but I think if it is legal or engineered they will cover you.
__________________
The Grey Fox - MY08 SG XT Luxury
Reply With Quote
  #25  
Unread 3rd June 2012, 01:49 AM
Ratbag's Avatar
Ratbag Ratbag is offline
Administrator
 
Join Date: Jan 2012
Location: Bayside, Melbourne, Vic
Year: MY06, MY10
Model: Forester SG & SH
Transmission: 5MT/DR & 4EAT Sports
Posts: 6,225
Ratbag is on a distinguished road
Default

G'day again ST

Quote:
Originally Posted by stilson View Post
Just a quick heads up to you guys out there holding off on a few choice mods such as lift and tyres due to non insurability you may wish to enquire with Shannons. They pretty well insist you modify your car for them to insure it. I will do some more digging but I think if it is legal or engineered they will cover you.
Check for threads here about people being rather unhappy with Shannon's.
It seems they may be happy to insure anything, but not all that happy to pay out for anything ...
Reply With Quote
  #26  
Unread 3rd June 2012, 07:09 AM
stilson's Avatar
stilson stilson is offline
Forum Member
 
Join Date: Dec 2011
Location: Sunny Balga WA
Posts: 1,793
stilson is on a distinguished road
Default

I may as well just change my signature to thanks RB.
__________________
The Grey Fox - MY08 SG XT Luxury
Reply With Quote
  #27  
Unread 19th July 2012, 07:16 AM
mr turbo's Avatar
mr turbo mr turbo is offline
Administrator and Founders' Friend
 
Join Date: Jul 2008
Location: Sydney, AUSTRALIA & ORS.com
Year: MY05
Model: Forry XT
Transmission: manual
Posts: 6,998
mr turbo is on a distinguished road
Default

I saw an interesting story on ACA (current affairs show) this evening about car insurance.
I was skeptical at first, but I thought I'd try it any way.
It was to do with insurance companies ripping us off with the prices we pay to have our vehicles insured because of where we live

I got an online quote for my Forry at my actual address & then got a quote for the exact same Forry using my next door neighbours address.

The price difference was astonishing
By living next door, I could have my insurance $$ drop by $180 Yes thats right $180.

Now I must state that everything for the policy was the same.
Same vehicle, same driver & history, same mods etc, etc.

All I did was to change the number of my house from No2 to No4 (Yes same street name & suburb, I just changed the number to next doors) & I was able to save (as I said above) a whopping $180 for the years premium.

Now, when my insurance is next due, I will do the same thing again.
If there is a major difference in price, like I stated above I'll be asking & demanding a please explain to them in no uncertain terms, thats for sure !

Just thought I'd give you guys a heads up & let you know.

Regards
Mr Turbo
__________________
We go anywhere & everywhere together as nothing's too hard in a Forry
Some call it Man V's Wild ...but here... We call it Camping
Reply With Quote
  #28  
Unread 19th July 2012, 07:23 AM
thunder039's Avatar
thunder039 thunder039 is offline
Forum Member
 
Join Date: Mar 2011
Location: Bairnsdale,gippsland victoria
Posts: 1,236
thunder039 is on a distinguished road
Default

i also soar the same skit on today tonight.
$180 is a massive difference i am very surprised and that is very interesting indeed

maybe ratbag can shed some light on this? as he seems to know the most when it comes to this sort of thing
__________________
99 subaru foz 89 brumby 04 forester xs
Reply With Quote
  #29  
Unread 19th July 2012, 07:43 AM
mr turbo's Avatar
mr turbo mr turbo is offline
Administrator and Founders' Friend
 
Join Date: Jul 2008
Location: Sydney, AUSTRALIA & ORS.com
Year: MY05
Model: Forry XT
Transmission: manual
Posts: 6,998
mr turbo is on a distinguished road
Default

Put it this way. If they (insurance company) think I'm going to sit back & take that B.S, I'll be telling them that they can stick their policy where the sun don't shine & go elsewhere.
Along with ALL my family & friends !!

Then we'll see what happens.
I'm willing to bet, that they'll change/match the price, once I tell them that.

I did something similar once before. Then when they realized that they weren't just losing my business, but about 10 or so others, they quickly changed their tune.

It will be very interesting indeed, to see what happens, in a couple of months time, when my insurance policy is due for renewal.

Regards
Mr Turbo
__________________
We go anywhere & everywhere together as nothing's too hard in a Forry
Some call it Man V's Wild ...but here... We call it Camping
Reply With Quote
  #30  
Unread 19th July 2012, 07:48 AM
thunder039's Avatar
thunder039 thunder039 is offline
Forum Member
 
Join Date: Mar 2011
Location: Bairnsdale,gippsland victoria
Posts: 1,236
thunder039 is on a distinguished road
Default

what company are you with out of interest?
__________________
99 subaru foz 89 brumby 04 forester xs
Reply With Quote
Reply

Tags
comprehensive insurance, insurance

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


All times are GMT -3. The time now is 01:24 PM.


Powered by vBulletin®
Copyright ©2000 - 2018, Jelsoft Enterprises Ltd.