tiida Insurance due

 Received an email from RACQ advising the Tiida's insurance is due.

I log in and find I am a 8 year member with renewal due toward the end of July.  This is a timely email and triggers me to check rego and also they want $869.24 ouch!.  I wonder about options.

 I go online and get quotes from others.  Then I realise that the Tiida insurance lists Dan and Megan. 

 Now the thinking going through my head is
The cost of listing Jemma over just me is column D.
For RACQ that's $212 and IF she has a prang that saves us $1400 in unlisted driver excess.
But what if anyone else drives it.  Makes for an interesting question.  What happens if one lists dozens of people.

If we have a prang, then the cost will be the premium for the year plus the excess.  $2131
This is Column J

What if we just do 3rd part Property Fire and Theft?
The premium drops to $260 which is nice but if she has a prang then we will still have all those excesses and the total is $3060.  And we don't get our $4k car fixed.

 Decision = RACQ With Jemma Listed.

 

It would seem i need to know about my car.

2010

Nissan Tiida

VARIANT

ST C11 MY07 5D HATCHBACK

ENGINE

4 Cylinders 1.8 Litre

FUEL TYPE

Petrol

TRANSMISSION

6 Speed Manual

 

Bugga - 

RACQ  - On line quote is $723.38 - Save $145.86

Not a RACQ member (I assume).  Male. No other policies
No finance, Private use, Carport, No extra alarm
>10yr licence.  No at fault claims.
$Excess $750.  No hire car.  No windscreen.  +$650 driver <19.
Quote Number 40KE05  $723.38

SUNCORP  $580.43  Quote no. QTE333277442
$Excess $800.  No hire car.  No windscreen.  +$1400 driver <19. Unlisted
Car is insured for $4680
even if I decrease the excess to $700, the fee is only $600.  Way less than RACQ.

Budget Direct  $360.02   QUOTE #N1F379631
$800 excess Learner listed.
<21 $600 excess. Unlisted driver excess $600 Window Glass excess $600

Now list Dan but I may have messed up and listed him as a P plate. -> fail - have to call
1800 555 878 M-F 8am-10pm

Combank $398.65
$600 Excess.  $1500 undeclared driver excess

AAMI $394.51  QTE436239910
No windcreen, No hire car, No roadside assist.
Insured for $4680
$700 excess, $1400 Unlisted <25.
Add Jemma and the quote is $1009.58 - You kidding right.

3-JUL-2021 UPDATE

It seems I need to know
Have I had any claims in the last 5 years?
What is my current rating
Youi want to know how many demerit points in the last 3 years 
2021  2020 2019 2018
   0      0        3        1

Budget Direct With P-plater $848
Budget direct say this on their web site:
Will any driver (including a spouse or household member) be younger than you?
This refers to any drivers younger than Edgar that may drive the car during the term of insurance. This should include any household members, as they will not be covered to drive the car if they are not listed.
Please note: Learner drivers need to be listed if they are household members to have cover.
https://secure.budgetdirect.com.au/car/2.0/?brand=BUDD#!/youngest-driver/youngest-driver

I add Jemma Birthdate + F and tick the Learner box and add the month she got her learners.
Just with Jemma listed as a learner but they know the date and month she got her L's so I wonder how they factor that with when she gets her P's.

$424.17  $800 excess   QUOTE #N1G055562

Budget Direct Excesses:
Basic Excess                                                        $800
Driver under 21                                                    $600
Driver who have not held Full licence for 2 years $500
Unlisted                                                                $600

So  a unlisted  P-Plater is $800+$600+$500+$600 = $2400 in excesses Ouch!


Suncorp with 1 young driver listed $1609.17 QTE334063264  ouch!
and thats before one considers excesses

Youi

 

Combank
Just me $398.61
Under 25 $550
Undeclared Excess $1500
Inexperienced $500

So now lets add Jemma  $841.31