Model-Y Comprehensive Insurance Recommendation

[Shock-On-T]

I've used Comminsure for a while, but last year was $1600 and this year was $2800 for the renewal. Crazy?
I shopped around and Budget Direct was $1000. It's a weird market.

 

[alyuan]

Budget PDS states that optional glass cover does not cover sunroof, moonroof and any glass above you.

 

[Johnnie5]

Budget PDS states that optional glass cover does not cover sunroof, moonroof and any glass above you.

whilst that is true
tbh the roof isnt as exxy as i thought it would be
worst case id make a full claim

i havent seen roof being common so ill roll the dice

 

[raffdog]

did a quote with 1300 insurance which is underwritten by Allianz and they were competitive. Optional glass cover includes sunroof.

 

[DougalVizsla]

Anyone have comprehensive insurance for a MYP yet? Tried Compare the Market and came up with no options... Trying a few insurers direct now.

 

[jcan]

I just did a comprehensive quote with AAMI. $1700 ish with a higher excess and including glass coverage. I'll probably go with them.

 

[mathewparet@gm]

The best one I could find was nrma, was the cheapest too

 

[ashleyf]

$1400 from NRMA

 

[Ozdw]

MYP with AAMI is $1100 with max excess and full glass. We went with AAMI for our 3LR also.

 

[yoyob]

MYP with AAMI is $1100 with max excess and full glass. We went with AAMI for our 3LR also.

Wow MYP and only $1100??? You must not live in a capital city, that's really cheap damn!!!

 

[blue89]

This might be useless to most but thought I would share. I went through the painstaking exercise of going through every insurance provider i could in Vic to get a quote and the below is what i got. It seemed as though RWD was less of an issue to get insurance from....and yes, I know these quotes are high, its the joys of my post code.

Key bits on info:
MY-P
33yo female as primary driver
33yo female as secondary driver
Clean driving records
No Finance
Parking car in driveway
Postcode is 3020
Accessories that I flagged were full PPF wrap and Autopilot
Upto 15,000kms/year

Company	Premium	Excess
Bank of Melbourne	2349.92​	1350​
St George	2349.92​	1350​
Westpac	2349.92​	1350​
Aus post	2351.58​	1150​
Hume Bank	2420​	1150​
Aus unity	2420.11​	1150​
CCI	2420.11​	1150​
Bank SA	2463​	1150​
Beyond bank	2475.12​	1150​
COTA	2488.48​	1100​
NAB	2522.5​	1250​
Allianz	2712.07​	850​
Kogan	2791.36​	1150​
RACV	3450​	1150​
QBE	3491.3​	1150​
ANZ	3599​	650​
Bank west	3740.13​	850​
aami	3741​	1200​
Commonwealth	3995.82​	850​
Stella insurance	4091.66​	??
Suncorp	4387.42​	1450​
Enthusiast	14872.8​	775​
Shannons	wont insure
Bingle	wont insure
Budget	wont insure
Bendigo Bank	wont insure
Carpeesh	wont insure
CGU	wont insure
Coles	wont insure
Best buy	wont insure
Woolworths	wont insure
Bupa	wont insure
Huddle	wont insure
AHM	wont insure
Koba	wont insure
ING	wont insure
Oceana	wont insure
GIO	wont insure
Ozicare	wont insure
peoples choice	wont insure
progressive direct	wont insure
Qantas	wont insure
Real Insurance	wont insure
Rollin	wont insure
Virgin	wont insure
Youi	wont insure

 

[mathewparet@gm]

This might be useless to most but thought I would share. I went through the painstaking exercise of going through every insurance provider i could in Vic to get a quote and the below is what i got. It seemed as though RWD was less of an issue to get insurance from....and yes, I know these quotes are high, its the joys of my post code.

Key bits on info:
MY-P
33yo female as primary driver
33yo female as secondary driver
Clean driving records
No Finance
Parking car in driveway
Postcode is 3020
Accessories that I flagged were full PPF wrap and Autopilot
Upto 15,000kms/year

Company	Premium	Excess
Bank of Melbourne	2349.92​	1350​
St George	2349.92​	1350​
Westpac	2349.92​	1350​
Aus post	2351.58​	1150​
Hume Bank	2420​	1150​
Aus unity	2420.11​	1150​
CCI	2420.11​	1150​
Bank SA	2463​	1150​
Beyond bank	2475.12​	1150​
COTA	2488.48​	1100​
NAB	2522.5​	1250​
Allianz	2712.07​	850​
Kogan	2791.36​	1150​
RACV	3450​	1150​
QBE	3491.3​	1150​
ANZ	3599​	650​
Bank west	3740.13​	850​
aami	3741​	1200​
Commonwealth	3995.82​	850​
Stella insurance	4091.66​	??
Suncorp	4387.42​	1450​
Enthusiast	14872.8​	775​
Shannons	wont insure
Bingle	wont insure
Budget	wont insure
Bendigo Bank	wont insure
Carpeesh	wont insure
CGU	wont insure
Coles	wont insure
Best buy	wont insure
Woolworths	wont insure
Bupa	wont insure
Huddle	wont insure
AHM	wont insure
Koba	wont insure
ING	wont insure
Oceana	wont insure
GIO	wont insure
Ozicare	wont insure
peoples choice	wont insure
progressive direct	wont insure
Qantas	wont insure
Real Insurance	wont insure
Rollin	wont insure
Virgin	wont insure
Youi	wont insure

Wow! love the compilation.

I was thinking, is it legal for Car Insurance Providers to reject insuring a car just because it is an EV?

 

[houdini]

My small comparison (glass but no hire car):
Suncorp = $1555
AAMI = $1440
NRMA = $1900

 

[meloccom]

This might be useless to most but thought I would share. I went through the painstaking exercise of going through every insurance provider i could in Vic to get a quote and the below is what i got. It seemed as though RWD was less of an issue to get insurance from....and yes, I know these quotes are high, its the joys of my post code.

Key bits on info:
MY-P
33yo female as primary driver
33yo female as secondary driver
Clean driving records
No Finance
Parking car in driveway
Postcode is 3020
Accessories that I flagged were full PPF wrap and Autopilot
Upto 15,000kms/year

Company	Premium	Excess
Bank of Melbourne	2349.92​	1350​
St George	2349.92​	1350​
Westpac	2349.92​	1350​
Aus post	2351.58​	1150​
Hume Bank	2420​	1150​
Aus unity	2420.11​	1150​
CCI	2420.11​	1150​
Bank SA	2463​	1150​
Beyond bank	2475.12​	1150​
COTA	2488.48​	1100​
NAB	2522.5​	1250​
Allianz	2712.07​	850​
Kogan	2791.36​	1150​
RACV	3450​	1150​
QBE	3491.3​	1150​
ANZ	3599​	650​
Bank west	3740.13​	850​
aami	3741​	1200​
Commonwealth	3995.82​	850​
Stella insurance	4091.66​	??
Suncorp	4387.42​	1450​
Enthusiast	14872.8​	775​
Shannons	wont insure
Bingle	wont insure
Budget	wont insure
Bendigo Bank	wont insure
Carpeesh	wont insure
CGU	wont insure
Coles	wont insure
Best buy	wont insure
Woolworths	wont insure
Bupa	wont insure
Huddle	wont insure
AHM	wont insure
Koba	wont insure
ING	wont insure
Oceana	wont insure
GIO	wont insure
Ozicare	wont insure
peoples choice	wont insure
progressive direct	wont insure
Qantas	wont insure
Real Insurance	wont insure
Rollin	wont insure
Virgin	wont insure
Youi	wont insure

If you are purchasing EAP or FSD with the car new, you are also paying additional luxury car tax. Cancel the EAP or FSD and purchase in the app after sale and it will save you some money to afford the insurance.
I recently moved from 2011 to 2578 and it more than halved my premium.

 

[Ozdw]

Wow MYP and only $1100??? You must not live in a capital city, that's really cheap damn!!!

We are far from any city, let alone a capital city. Anyone know of a roo bar designed for the MYP?

 

[sulrich70]

Budget Direct claims process, for me - has been woeful. I have had to chase them up a number of times to find out where my claim is at. they didnt update details that I asked to be updated when i spoke to them over the phone. I wont be insuring with them again as a result.
They are a low risk insurer, and will often refuse to re-insure you if you make a claim.

 

[blue89]

Wow! love the compilation.

I was thinking, is it legal for Car Insurance Providers to reject insuring a car just because it is an EV?

I think they ultimately have the right to reject on anything (obviously except for race, gender etc of owner). But ultimately they do so because it is considered to be a high powered vehicle and is expensive to repair due to the specialized nature of the car.

 

[Maximillan]

whilst that is true
tbh the roof isnt as exxy as i thought it would be
worst case id make a full claim

i havent seen roof being common so ill roll the dice

The Model Y roof costs AUD$2,409.75 to replace.

I could have claimed it as part of my policy but after doing the numbers decided that I was better off wearing the cost. Your mileage WILL vary.

 

[Elite Display]

Enthusiast

14872.8​

is the decimal point in the wrong spot?

 

[MickyD]

Some insurance companies will just give a ludicrously high quote rather than deny coverage.

I’ve seen quotes before that were higher than the replacement value of the car.