Insurance B*llache - who are you with?

[Edna11]

Have just acquired 'Edna' ❤️ a 2011 6spd STi sedan. She's beautiful. Standard AF apart from exhaust, bov and alloy radiator. But insurance is a pain in the ass. Everything we have is currently through tower/trademe (house, contents, daughters car and the family suv) so just chucked a policy on it yesterday to drive it home. The plate didn't come up in their system. Then when manually entered details the sub model options don't match (engine size). Now they tell me they have to put it down as a 2012 to get the model right 😬 also won't do agreed value of more than $21k but also after telling me they do market value policies they then reaffirmed their cover is agreed value. Have looked for quotes elsewhere. Nac pay market value but want a $9k theft excess! Star weren't interested in insuring it (not classic or moddes enough maybe?) Did a market scan on quashed and all the sum insured amounts are pathetic. Any suggestions where to go?? 

[Andy_Mac]

How many k’s on the body? 21k value is a joke for a sedan for sure. 

 

Is it a daily driver? I'm with classic cover but that's got a soft limit on how many K’s you do a year. Can't remember the exact wording but they do an agreed value that can be over market value by a certain amount but if you want higher they just need an independent valuation done to prove any extra value

 

 

[Gripless]

https://www.classiccover.co.nz/performance/

 

NAC is a joke unless you have lots of tickets or convictions.

 

The limit maybe as they can’t find the model so think it’s not an sti.

 

does the plate show up in carjam?

[Edna11]

@Andy_Mac 134k on it. It's a daily driver, but daily is a STRETCH. School run 2-5 times a fortnight and the office once or twice (lots of wfh and family suv is covered by work so used for everything else).. I thought I saw that classic cover have an age of vehicle restriction but I'll take another look. 

 

@Gripless I think I was with NAC donkeys ago when a drunk smashed my old STi parked on the road outside a mates, they paid out well and bought it back for parts, but 9k excess for theft? 😂 Maybe they'd be worth it if it wasn't standard AF. Plate is on carjam but only shows as impreza not STi, could that be the issue? 

Edited November 11 by Edna11
Additional question not answered.

[Timmah]

I'm with ClubAuto, and I know no better insurance wise. GTi and 2002 WRX with them.

[Edna11]

@Timmah will have a look at them. Thanks. 

[Andy_Mac]

Kinda an age thing but they do insure other vehicles that don't quite fit the standard daily driver criteria. 

Mines a 2010 but heavily modified and does barely 4kkm a year

[swamp]

You might want to phone tower and ask them if your car is covered. Tell them the mods, exhaust and bov, pretend to be a prospective customer. 
 

It pays to find out before you have to make a claim, touch wood, than when you do and realise you aren’t entitled to be paid out. 
 

Tower is pretty good, but they’ve toughened up the criteria in the past few years, as have AA. Im with AA and being a larger insurer with a solid credit rating and high volume, there’s less finding ways to not pay out a claim, and more getting claims sorted. 
 

Plus you find out who is a good insurer when you need them - almost 10 years ago my MR2 got broken into, AA took care of the tow, repair, and were really efficient. AA I believe were also one of the few if not the only insurer that sent people on the ground in Christchurch after the earthquakes where other insurers stuck their heads in the sand. 

[boon]

I have mine with Classic Cover, they've always been good but I've only ever claimed a windscreen.