Personally my opinion from my many dealings with Shannons from owner, claimer and repairer sides of things.

They are dearer.

If you be honest from the start, they are the easiest to deal with at any later time.

For example. You tell them your roof is hail damage, your paint is faded, your car is used for weddings, your car is parked at another address sometimes, your car does not have an immobiliser etc.

Claim time is easy. They see the note on your policy, and allow your car to start being repaired instantly.

And you keep your car. The one written off that was insured for 24K. If the owner was paid $15K, and keep the car that is much better than new cars where they take the car. I am sure the owner of the Shannons insured car could use the engine and interior to build another car.

So 'Disclosure' is the word here. Tell them everything the aught to know before, and they WILL pay. I have seen done by Shannons many times.

One of my mates has all of his vehicles insured with Shannons (as do I).

His brother dropped his 1973 Norton Commando & they paid up to get it fixed without any hesitation. Luckily he had added his bro to the policy a couple of days before said stack.

quote:

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Originally posted by HQ Sandman

No one normally drives my ute, but I thought all policies had the coverage of any driver as long as they were licenced and that they were 30 years old or above.

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I think that is very true for cars but for bikes my mate tells me its a bit different especially when the bikes are worth $18,000+ each.

They are being very weird about my trail bike though. It's an absolutely immaculate 2001 (MY02) Yamaha XT225 with only 6,800km which won't see a great deal of road use but I want it insured as it will see unsealed road use and occasional road use. Then there is the theft risk to worry about.

A few months ago I asked them about insurance "no way if it's mainly for dirt bugger off" two weeks ago I asked again "yes no worries it will be fully comp covered except when you are off gazetted roads ie on a forest trail" Fair enough.

So they sent me a quote with the value of the bargain basement purchase price of $2,500 which is under the market value So I took it to their Canbera office today to get it inspected and the agreed value changed. Their office is closed today so that's a no go.

So I rang them and asked if they could change the agreed value "no way because we are in a position to restore your financial interest to what it was before you bought the bike so that you can go get another one"

This is total crap as
A:/ I probably won't find one as good as this for that sort of money

B:/ if it were written off by an act of my fault or stolen then I would get $1950 back after their excess which makes a mockery of their "restore your financial interest" statement.

Needless to say they won't be getting more of my money today.

I have my 2 cars and household contents with Shannons, never a prob. One thing I have noticed is that the insured value for the HK goes UP every year as opposed to my VX which goes DOWN every year, if I keep the VX long enough it's sure to rise in value, lol.