Vehicle insurance - Which company do you use?

[cheesygrinner]

A couple of quick calls so far:
RACQ yearly premium $569 ($500excess) for $6700 worth of vehicle (maximum they will do for my WB van)
Shannons yearly premium $487 ($500excess) for $9000 agreed value. Daily drive rates. Would drop to $360 for limited use under 2 days per week.

How would they know if you were using daily or limited use?

[commodorenut]

How would they know if you were using daily or limited use?

The km logged at each annual pink slip would be one way.
If you made a claim, and they investigated it, then an interview with a neighbour or work colleague could spill the beans too - seen this happen to 2 mates when I was younger - one was not insured to drive his mother's new fairlane on a regular basis, wrote it off, and the neighbour told the investigator he drove her to the station every day. They refused the claim.

[RodneyHZ253]

Best way is to keep it real and there be no problems,keep the cover like the usage

[GTS]

I'm also with Shannons. I had the van on "laid up" insurance for $15,000.00 while I was building it then converted it to full comp when I got rego. I think "laid up" was only about $110.00 per year. They insured it for $28,000.00 and the premium only went up by $20.00-$30.00 per year but as a "limited use" vehicle. Thats Ok as I only drive it on weekends anyway. I also get a discount for multiple cars because I have the Chev and the hot rod insured with them as well as my house and contents. The thing I like with Shannons is I have wreck retention rights so, if something does happen, at least I get to keep my cars.