Just Car VS HBF
 

hey all.

My insurance with Just Car is up for renewal so i went exploring to see if i could find a better deal.

HBF seemed to be the best one.

Excess is $850 cheaper
Premium is $171 cheaper a year. Plus i get free window and windscreen claims.

They have agreed to cover my mods up to a value of 30% if under 9k (i think?). Not great but better than nothing. (i have sound system, suspension and TBE)

The main question i have is if they are real tight arses on mods? They said as soon as i start to play around with the computer, turbo etc then they wont cover me.
I was semi planning on getting a verso done soonish. Which would then make me uncovered. However they will look into it more closley when the time comes.

I think sticking with just car would be easiest for mods, but the excess is pretty high and ive heard making claims with them is not worth the trouble.

thoughts?

How would they know it had been verso'd? Its just a reflash isnt it, so the original ECU is still being used?

Mate i work for HBF in the underwriting department, send me a PM n i will look after u.. :D

[QUOTE=LIBRT!]Mate i work for HBF in the underwriting department, send me a PM n i will look after u.. :D[/QUOTE]

Yep pm this guy :D

Thanks again for setting my insurance up mate!

[QUOTE=nicecar]Yep pm this guy :D

Thanks again for setting my insurance up mate![/QUOTE]


no worries :)

[QUOTE=GX-REX]How would they know it had been verso'd? Its just a reflash isnt it, so the original ECU is still being used?[/QUOTE]

i thought they would still be able to tell?

If not then it could be ok.

Has anyone had any experiences with Western QBE?

When I was with HBF they covered everything except changing ECU's. Stock ECU flashes can't be detected (other than, boy she goes faster!) so I wouldn't bother insuring that.

Dont go Just Car.......Just ask MEGS

Definitely don't recommend Just Car.