When using Comparis.ch, on the final page with all the offers, they all state Bonus 30% ?
Does this mean that the price quoted is included 30% bonus, or that this is the bonus level I'll start at?
I did put in that I don't have any insurance from before...
Cheerio
http://en.comparis.ch/auto/info/glos...nusstufen.aspx
Bonus levels
Insurance companies use two values to calculate premiums, one being the basic premium (100%) and the other the bonus level. For each accident-free year of driving, you will be placed at a lower bonus level and will pay lower premiums. However, should damage occur, most providers will raise you up four levels (extra premium).
If you wish to switch insurers, your new provider must place you at a bonus level according to your information on your driving experience. Accident-free years of driving will also be considered by the new insurance company. The bonus level greatly influences the amount you must pay for your insurance premium. In any case, a comparison is worthwhile before switching.
Each insurance company has its own bonus system. With some, premiums may decrease more quickly than it is the case with others. Highest and lowest levels differ as well (see table below). Bonus systems also vary depending on the type of insurance (liability, collision coverage, etc.).
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I'm just doing some research and trying to understand what the 30% bonus is all about as it doesn't say if it is needed or added?
Actually it's a little more comlex than stated above all be it the discount applied to the main premium is based on accident free driving experience. The main premium is also based on things that you won't see pre the discount or, if you have an aweful record, pre the additional percentage.
One has to be bloody careful with comparis as there is a lot hidden, it is not impartial and you cannot see the exact covers being offered, the policies will not be like for like.... It is only good for a rough idea on motor insurance.
Frank2k if you want to PM me your number I'll gladly explain it to you.
I'm just checking the market (roughly) so I can see what it is going to cost me to insure my car which I haven't bought yet, so I guess comparis is doing just that.
I was quoted around CHF 1'500 for full coverage for a 2002 Porsche 996 3.6L and thought it was not half bad. Have had my license for well over 20 years but never owned a car so no insurance there...
I'll get in contact when I know more exactly when I need the insurance
Ahhh I remember... The porsche thread
Sounds damn cheap to me off the bat... Be careful at 10 years old even 'tho you are putting full casco in it might not actually be offered in the contract and there could be some nasty hidden deductables and exclusions. I know of a couple of online providers that do such.
Full cover usually won't be full cover unless the car is valued and agreed on at ten years, there are of course like everything else exceptions.
We can look at it closer when you are close to geeting the car but if you want to know more before hand or about the car choice just give me a holla
I'm actually not sure I even want full but only third part and theft/vandalism (or whatever it's called)...
Personally I would take full anyhow seeing as it's your first dream car. I can give you examples later of things that arent perhaps your own fault that part casco wont pay out on for damage.. One of which being one of my own claims..
Blagh, if i had seen this quicker it could have been my 911th post! Damn
So depending on your usage and the value of the car relatively to your wallet, self-insurring can be a more reasonable deal than paying 2K/y on a 30K 996 ...
I'd save the money for the 996's reliability issues, but that's another topic.
Your 2k example is misleading and totally moot. The 2k wouldnt be for just the full cover part but also includes the mandatory cover and the fire, theft parts, the full cover accounts for say perhaps for arguement 700 of the premium ( in fact it would be less on such a sum but by the by ) that one claim for the sake of easy maths would be 10 years worth of payment....
Now all insurance is basicly a "how lucky do I feel this year, with how much is the asset worth to me and how much can I personally underwrite if the shite really hits the fan"
As far as reliability is this the RMS overblown issue again?
Regarding reliability, I don't think the RMS issues are overblown, cars that have RMS leaks keep having them, it's not a legend, you'll find too many anecdotal facts to discount this. For one, my 996 Carrera had it 3 times before I dumped the car for a 996 Turbo.
However, problems with the 996 Carrera only start there. Clutch transducer, expansion vase, outright blown engines, and that's just for the 3.6. The mkI 3.4 added more ailments. The only 996 I would recommend are the Turbo/GT3 because of the entirely different construction of their 3.6L block, and that does not solve issues with some of the peripherals.
At the same time, there are loads of other sport car models discussed in forums that do not present any epidemic issues and are reliable, so based on my personal experiences, that of friends and many others read on forums, I do believe that 996 Carrera are far less reliable than they should be, and that the 997 is an enormous improvement from that standpoint alone. You can also tell from the way wholesale and network dealers will inspect a 996 Carrera when you try to turn one in.
It does not mean the ownership of a 996 is a guaranteed nightmare either, and vice versa for a 997 or now a 991.
Anyway, maybe we should have a Porsche thread because we are far away from insurrance on comparis ;-)
cheers
Really? Interesting....
I came across comparis for a car insurance and since I've always used a broker before I am wondering how fast the process can be via comparis.
For now it looks like the activation of the insurance is super slow.
They send an automatic quote that needs to be signed and sent by post .
Once it arrives, the quote is verified and if it's ok, the contract will be sent back.
In case the quote isn't validated, a new one will be sent by post again.
It looks a little weird that the documents cannot be sent by mail instead.
How many days does it take usually until the vehicle is insured? Am I missing something?
Tom