[CashedUpBogan]

Hi guys, my rego and insurance are up. Just wondering who has the cheapest CTP? Got a renewal notice from AAMI for $402.02.

My insurance is with Just Car and I'm pretty happy as I can list all my modifications and they are all insured and I am currently going through a claim for Kangaroo damage which is all going along smoothly and it was just a quick ten to fifteen minute phone call to process. The premum and excess are both about $2,000 but I have zero no claim bonus and my driving record isn't exactly spotless.

With your CTP and insurance, please list your age, no claim bonus amount and vague driving record for comparisons sake.

[NeT335]

RACV
Full comprehensive
Agreed value $54990

08 e92 335i

26yrs old

Right now I'm paying $159.53 a month/ $1914.36 total or it would have been $1757.54 if I paid upfront instead of monthly
Excess is $1500
Also told them I have GPS tracker on it

Been with them since I bought the car in nov 2013 and never made claim and not sure of no claim bonus

Also 100% perfect driver never had accident never had fine never lost license lol pfft that's what they think anyway

[PG]

NRMA
2008 135i. FBO

$904 for comprehensive
$615 for compulsory third party (CTP)

22yr old , but rural towns always cheaper
1x previous claim when I was 20

Was with AAMI with my Honda and got royally screwed over when I got my car hit minor bumper rash, and ended up with a really bad paint job, paint in my interior, and required an almost full car respray after a year of back and forth

[tawfeeqh]

Man I'm about $1700 with Youi 31 with clean driving history but no aftermarket mods covered. Might give justcar a call and see what I can get there

edit: 2007 e90 335i

[CashedUpBogan]

Sorry, guys, edit your posts to include what car and year because that makes a huuugeee difference. My car is 2007 335i. I'll update OP

[Daenerys]

victorians dont have to source their own ctp

[bradsm87]

2009 E90 335i

28yo

AAMI with flexi-premium maxed was by far the cheapest and I called em all!

$82/month including windscreen cover.

With my last car, when I moved to this suburb, my premium went down heaps. Area makes a big difference.

[CashedUpBogan]

Originally Posted by Daenerys

victorians dont have to source their own ctp

Yeah I know that, as is the same for many of the states. Stupid NSW has to do things a bit differently so obviously the question doesn't apply to Victorians or... well. .if it doesn't apply to anyone then you don't need to answer, ok? :P

In NSW we don't have to provide a RWC to sell our cars though, so we can sell it with mods and all

[CashedUpBogan]

Originally Posted by bradsm87

2009 E90 335i

28yo

AAMI with flexi-premium maxed was by far the cheapest and I called em all!

$82/month including windscreen cover.

With my last car, when I moved to this suburb, my premium went down heaps. Area makes a big difference.

Dammnn that's cheap!!

Yeah, you're right about the suburb The quotes I got for saying I lived in Newcastle or Sydney were sooooo different. Variation of about $500 depending on the insurer

Anyone got any cheap CTP recommendations?

[CashedUpBogan]

Maybe we can make a "Cheap Insurance" sticky thread for those looking at getting a good deal

[_ink]

That's a good price Kent!

All my quotes via: http://prices.maa.nsw.gov.au/ are in the ~$600+ range..

Does where you live affect CTP?

I've got clean driving history, max NCB, NRMA roadside 3+ years etc..

[Trev88]

I'm paying $2000 with aami
27yrs old
Clean licence history and no claims
$625 excess
With roadside and windscreen cover
$34,000 agreed value

[/335]

2009 e92 335i

Just got my CTP renewal notice, $700 with NRMA

Comprehensive cover with GIO, about $1900 a year, roadside assist, agreed cover for $56,000, max NCB.

I'm 26 and have a clean driving record.. unless they consider demerit points, I have lost about 7 or 8

[CashedUpBogan]

Originally Posted by _ink

That's a good price Kent!

All my quotes via: http://prices.maa.nsw.gov.au/ are in the ~$600+ range..

Does where you live affect CTP?

I've got clean driving history, max NCB, NRMA roadside 3+ years etc..

I just checked greenslips.com.au and put my old address and got the same price $402.02 from AAMI and $397 from GIO.

When I redid the quote with a Sydney postcode, it came up as $571, so yeah, address definitely makes a huge difference!

[DOCTOR.Y]

2012 E92 335

28 years old

Agreed value 50000

NRMA 2200 comprehensive, 800 basic excess

CTP I forgot...

[Mfp]

CTP in NSW are generally the same in price. If you have a excellent driving record (no fines) I think QBE rewards you and is about 130-150 cheaper than the other insurers

[Armadyllo]

2008 335i M sport

Dodgy Budget Direct

$780 per annum with 4 listed mods

[DR-JEKL]

2006 E92 335i
All Mods listed (well the big $ items are such as M3 driveline, M3 rims, M3 mirrors, coilovers, intake, tune, FMIC etc etc)
Shannons insurance (market value...)
36 y.o residing in newcastle nsw perfect driving record 60% NC
$76.45 per month * 12 = $917.40
CTP with shannons = $370.04
*Limited use policy as my car is a 'weekender'. By memory <5000 kays per year*

[Daenerys]

here are the charges for vic if anyone is interested.

https://www.tac.vic.gov.au/__data/as...tesJan2016.pdf

for a passenger vehicle, its $382 for low risk, $442 for med risk and $494 for high risk zone.

[EB89]

Originally Posted by DR-JEKL

2006 E92 335i
All Mods listed (well the big $ items are such as M3 driveline, M3 rims, M3 mirrors, coilovers, intake, tune, FMIC etc etc)
Shannons insurance (market value...)
36 y.o residing in newcastle nsw perfect driving record 60% NC
$76.45 per month * 12 = $917.40
CTP with shannons = $370.04

Wtf! 917.40 peryear! Mine was like 2 or 3k without mods listed!

You have to be a certain age for Shannon's though right?

[bradsm87]

Don't forget guys, the thing insurers often don't tell you unless you ask, you can usually increase the excess in exchange for a cheaper premium. This is a no-brainer to me unless you live near some sort of Kangaroo congregation or if you're known to regularly crash at fault.

[DR-JEKL]

Originally Posted by EB89

Wtf! 917.40 peryear! Mine was like 2 or 3k without mods listed!

You have to be a certain age for Shannon's though right?

My policy is for market value, and I'm unsure what the market value is exactly its probably something low like $25k... I have been meaning to see if I ammended my policy to an agreed value of say $35k how much this would bump up in my premium as my car is in a lot better condition than a typical 335i for sale on the market in the unfortunate scenario someone was to crash into me or heaven forbid I binned the car myself...

Shannons are like justcar and insure vehicles with mods, but were much cheaper than justcar. I also have rental property insurance with shannons they were much cheaper than anyone else by a longshot!

by memory my excess was the standard rate of $750 (TBC)

Hmm TBH I'm not 100% sure about the age thing. Being over 35 y.o would definitely help me I imagine... I believe if you're affiliated with a drivers club i.e you're an active member of the NSW BMW drivers club it helps.

They seem to be rather old school and serious about insuring enthusiasts - well in hindsight its probably a smart business model as most enthusiasts probably care for the vehicles more than the average motorist and possibly are a less riskier proposition to insure.