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Need Insurance? Want Cheaper Insurance?

two40

By two40,
in General Automotive Discussion

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oodles Newbie

oodles

Posted
Posted

Okay people - the n00bie has arrived.

How do I find out what my ncb is, or even if I have one? Im 17, turning 18 in 30 days (10th of Oct) and Im getting an R33.. this is going to be expensive, I know.

"JCI" Offered me $4,158 online. I think this is a little high, but my question is this: does Famous insure under 21's??? Ive heard different things from both sides! ;)

Im looking for similar experiences here, as my current status:

Soon to be 18 on 10th Oct (Lets just say Im 18)

Going to own a 1993 R33 With Turbo.

Never had any insurance before,

Will be getting First P's (NSW) on Oct 15 if all goes well

I would like P.B.T.M insurance.

:burnout:

BTW: Heres a few bad questions:

Whats a premium? What you pay each annum?

Whats a no claim bonus, and how do I find it?

Muz Experienced

Muz

Posted
Posted

Mate, I think you're having a lend of us.

If you're 17 going on 18 and never had insurance before (highly likely) you definitely won't have a NCB. And my guess here is that you definitely will be paying the highest rate of insurance possible.

Good luck!

JimX Grand Master

JimX

Posted
Posted
Originally posted by oodles

How do I find out what my ncb is, or even if I have one? Im 17, turning 18 in 30 days (10th of Oct) and Im getting an R33.. this is going to be expensive, I know.

You will have 0%. NCB is what it sounds like - a bonus given for not making any claims. Usually you accumulate it at 10 or 20% per year of not making a claim, up to 60% or in some cases 70% (the 70% ones don't apply to us really, mostly pensioners driving Camrys). So you at 17 and without previous insurance will have 0%.

Sometimes you can get the NCB that your parents have even if you have none yourself, but these usually only apply to the big insurance companies that don't touch Skylines.

If you got offered $4100 and you're only 17, that is pretty cheap. Some guys here have been given quotes of over $10k.

Duncan Grand Master

Duncan

Posted
Posted

hey oodles, you get a NCB by not having a claim on your comprehensive insurance - normally goes up at 10% a year up to maximum of 60%. The insurer then gives you that discount off your premium.

So if you have 60% NCB, your JCI premium would be $4158 x 60% = $1663.20.

If this is the first time you've had insurance your NCB will be 0. ;) Which is exactly why most ppl can't afford to insure a skyline if its their first car. Maybe you should be looking at a cheaper car like r32 gtst, only getting third party, fire and theft insurance (which covers everything except damage to your own car if you are at fault)

Guilty Proficient

Guilty

Posted
Posted

oodles im in the same boat as you but im a bit older den you.

I turned 18 like half a year ago in May and im about to buy a R33 GTS-T skyline....probally a 96?97? Series 2 that is......in a few weeks time. Insurance is a killer, i got quoted 5000 something at Just Cars. So at the moment im considering against the Skyline and maybe going for an S15 instead, hoping that the insuracne would be cheaper because its not an import? and ye so im considering as well..

btw oodles, jus a bit of advice..i dont think u should buy a skyline right after you get ur p's.You should at least drive ur parents car for a few years and gain enough experience because if you have no experience, a skyline is gonna be pretty hard to handle dude. I'm on my green p's and have around 2 to more years of driving experience in my parents camry. I drive like 50kmz everyday to uni and i did like 80hrs+ on my L's so you can say i have sufficient driving experience behind me so like the point is, im probaly gonna find it hard to adapt to a skyline as well, coz the main thing its RWD so in the wet its gonna be a killer if you dont have enough experience to handle the car. So i advise you get a less powerful car or at least gain some experience first to prevent loss of your car or your life =). BUt yeah anyhowz good luck in finding insurance =)

someonestolecc Grand Master

someonestolecc

Posted
Posted

mate is buying a gtst r32, got quoted 4500 for insuring to 11.5k (buying it for 16k) by just cars.

famous did it for 2500.

what value would famous insure the car to?

wonder how many other insurance companies are underwritten from guernsey ???

Clint32 Mentor

Clint32

Posted
Posted

Anyone know if Famous or any others will give third party, fire, theft on a skylines, i can get third party for bugger all but the fire/theft not many will do, and i dont wont to pay 2k for comprehensive anymore.

Duncan Grand Master

Duncan

Posted
Posted
Originally posted by someonestolecc

wonder how many other insurance companies are underwritten from guernsey ???

Now there's a good question! Probably most Aus insurance company are "underwritten" in Aus, but you can guarantee that all of them are "re-insured" to at least some % by offshore companies.

Its just how insurers share the risk against some sort of geographic problem. Eg if an insurer had $100mil of Sydney cars on their books and there is a hailstorm in Sydney, imagine the impact....

Even for the insurers with Australian Underwriters, the companies themselves are probably majority owned by overseas companies.

Xeaon Collaborator

Xeaon

Posted
Posted

Hey,

I live in Sydney and thinking of getting a Silvia S13 K or Q's.

Im 17yo.

What insurance would be the best for me? 3rd party even worth it? Which companies insure under 21y.o's with 3rd party?

Or should I just do fire, theft? If so which companies does fire/theft for under 21y.o's?

I have the choice of getting a K or Q. The difference is the turbo, will the turbo make a big difference with insurance, I have seen that it does not with skylines but I don't know if thats for under 21y.o's.

Thanks for your help.

sniper Apprentice

sniper

Posted
Posted

well im not to sure, but i know its very hard and most major banks wont touch u, its to much risk.

yeah im on the goldcoast there r is only one up here that will insure me, and its like 2.8k a year.

**** that :shake:

i have 3rd party fire and theft.. :P

JimX Grand Master

JimX

Posted
Posted

Sniper, you're probably talking of a car loan, which will need comprehensive insurance anyway. But they will give you a personal loan (where it's none of their business what it's for) which also means the car isn't under finance (so they can't re-po it) and it also means you can forego the insurance if you really want to. The interest rate is usually a couple of % higher though so they get you either way.

choda Newbie

choda

Posted
Posted

famous wouldnt transfere my NCB from previous TPP insurance so im not going with them was the same with yound and cool.

justcars would transfere my NCB and premiums and excess were half of what the others were, no joke, was very shocked

but i still dont have no insurance anyway

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