Jump to content
SAU Community

Recommended Posts

  • Replies 904
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

i asked just car about only diving on weekends, They said dosent matter weahter you dirve 1km or 1000 per week- same deal

Funny. Sometimes, it's who you know. I saw a friend at the WTAC Just Car desk. He asked me how often the car would be driven. He said that Just Car would insure my 'Line for 25% more Sum Insured and to pay 15% less Premium than a previous over-the-phone quote.

Funny. Sometimes, it's who you know. I saw a friend at the WTAC Just Car desk. He asked me how often the car would be driven. He said that Just Car would insure my 'Line for 25% more Sum Insured and to pay 15% less Premium than a previous over-the-phone quote.

haha yes always the case!!

  • 2 weeks later...

Hey all,

Just about to buy my first Skyline (yipee an R34 GTT) but having serious headaches trying to find insurance. It really seems as though the driver has little to do with the availability of insurance! So far I have tried

RAC/HBF/AAMI: No cover for imports.

Shannons: No cover if not garaged (I have a gated carport).

Suncorp: Don't have 99 R34 GTT listed so can't insure. They list the 99 GT and GT-R, and 98 GTT, though.

Just Cars: They want $1582 p/a! This was on-line, thinking of calling up to see what they can do. $22K agreed, $450 excess.

Edit:

SGIO(NRMA): $1008 to $1574 dep on market ($7K) vs agreed value (max $10K) and $550 vs $300 excess.

I'm 31 with no driving or insurance record. Seems crazy to me. Any advice appreciated!

Edited by quasitam

Funny. Sometimes, it's who you know. I saw a friend at the WTAC Just Car desk. He asked me how often the car would be driven. He said that Just Car would insure my 'Line for 25% more Sum Insured and to pay 15% less Premium than a previous over-the-phone quote.

Terry, when it comes to insurance... It doesn't matter who you know... it's how you word it!!!

^^^ Aah, well they certainly took note of the fact that my car was parked down in front of Iron Chef's tent if they'd craned their necks a l'il.

...and they did :)

I understand what you're saying though Lachlan.

Qs like, # of times it's driven, etc, etc

^^^ Aah, well they certainly took note of the fact that my car was parked down in front of Iron Chef's tent if they'd craned their necks a l'il.

...and they did :)

I understand what you're saying though Lachlan.

Qs like, # of times it's driven, etc, etc

exactly right Terry!!!

I think it also helps if you have a broker as well.

  • 2 months later...

I recently got a really good quote from lumleys, less than half what I'm paying atm. But I discovered in there pds illegal or non certified modifications will void insurance claims. Anyone know anything more about this?

Cheers,

Anthony

Section Four - General exclusions

(When we will not pay a claim)

"Unsafe vehicle

your vehicle being used in an unsafe or unroadworthy condition and such

condition caused or contributed to the loss. This does not apply where you

could not have reasonably detected the unsafe or unroadworthy condition."

Undisclosed and illegal modifications

your vehicle if it has any:

• modification which you have not told us about; and we would not

have agreed to cover your vehicle if the modification had been

disclosed to us;

• modification which is not permitted by law in the State or Territory in

which your vehicle is registered;

• modification which would prevent your vehicle from being

legally registered in the State of Territory in which you reside, unless

your vehicle is unregistered, you have provided full details of the

modification to us, and we have agreed to cover your vehicle.

Basically this in my opinion is in there to keep them safe. This gives them the power to use judgement to not pay claim to someone who clearly is a f**k and doesn't deserve it or to pay someone who has perhaps just slipped up you know? Fair play policy applies kind of thing. If they didn't payout anyone that had a single illegal mod whether the owner realised it or not they would instantly destroy their rep and lose market share.

JUST when you think you've found a loop-hole, you go and discover they've already got that angle covered off... sneaky bastards!

" The use, misuse, or existence of nuclear weapons or the

use, misuse, escape or existence of nuclear fuel, waste or

materials or ionising radiation or contamination from such

fuels, waste or materials, or the combustion, detonation,

fission and/or fusion of nuclear fuel or nuclear materials"

biggrin.gif

On a serious note, i too have recently got a LSV quote and it's about half price of Shannons, was VERY VERY surprised. Agreed value not quite as much, but if it seems they hang onto that value longer then i'll probably do better than with Shannons dropping it quite quickly from experience with prev cars.

I rang just then to query the 'modifications' exclusion and it sounds to me more like they would do the old "if it didn't contribute to the accident/incident, we don't care". Yes, the PDS specifically states...

Undisclosed and illegal modifications

your vehicle if it has any:

• modification which you have not told us about; and we would not

have agreed to cover your vehicle if the modification had been

disclosed to us;

• modification which is not permitted by law in the State or Territory in

which your vehicle is registered;

• modification which would prevent your vehicle from being

legally registered in the State of Territory in which you reside, unless

your vehicle is unregistered, you have provided full details of the

modification to us, and we have agreed to cover your vehicle.

But i believe that is similar to Just Cars, although they just say, unlimited legal mods, JC is obviously covering claims where say someone has an accident but has an atmo BOV. It sounds like there is a common sense type test applied in the assessing of the claim.

I'm going to double check again with the guy who has been quoting me for the car, but that's what i've got so far from the guys on the phone

It's a tough one...

Did you get any further with this?

as for the salvage thing, they said if it's written off i can buy it back, how is that different to salvage?

I just read the PDS and as far as I can tell it depends on whether the car was stolen or not, totally written off or not and if the car is 25 years or older. Depending on those you may either automatically get salvage rights (I think in the case of the older car because parts are rarer to get and so forth (hard for you to find, hard for them to sell)) If the car for example is written off they might choose to pay you out and recover some of the losses through selling what they can salvage. In the scenario that you do not automatically get salvage rights they allow you the first option to PURCHASE it off them for salvage. So you get to decide before anyone else if you want to buy it for salvage purposes.

That Lumley clause is really just putting into words what can and can't happen with regard to declining a claim for a modified vehicle, should the claim make it to the ombudsman.

Basically an insurance company can only decline a claim if:

1. The modification/accessory/alteration contributed to the loss; and

2. They would have declined to offer insurance if the vehicle alteration was disclosed.

The onus is on the insurance company to provide evidence on both of these. Keep in mind the first point can include a stereo or wheels making a car more attractive to a thief or target of being vandalised.

Source: I used to work in insurance but don't currently, it's not intended as advice, do your own research

Famous doesn't insure cars anymore? Or am i missing something.... The site only displays insurance for bikes.

That was discussed earlier on in this thread.. They now only do bikes;

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now



  • Similar Content

  • Latest Posts

    • PayPal is a safe, online payment system that enables businesses and individuals to safely send and receive money, making it an indispensable tool in both personal and professional contexts. However, many users wonder how to send money on PayPal? Don't be alarmed if PayPal is new to you - all the steps can be found by visiting merchant sites with links marked "Pay or send money". Once clicked, select payment method, amount, and add message or note for recipient(s). Upon successful transaction completion you will receive an email containing details of transaction. Let’s start by understanding how PayPal works, how money transfers from banks to PayPal and using various payment methods. Moreover, to transfer money between PayPal and bank, head to the Wallet section and click "Add Account", selecting either "Transfer within seconds with debit" or "Transfer between 3-5 days with bank", and following any instructions shown on screen until completed successfully.   How to Send Money Over PayPal: The Basics Before sending money through PayPal, first create an account. Here is how to set-up a PayPal account: ·         Click “Sign Up” on either the PayPal website or app to enter your basic information such as email address or name into their system. ·         Link your bank account, debit card or credit card directly with PayPal so you can fund transactions directly using these accounts. ·         Verifying your PayPal account will enable you to send and receive more funds. Typically, PayPal requires that you verify your credit card or bank account by making small deposits into it. ·         Once your PayPal account has been established, you can send money through it.   How Do I Send Money to Someone on PayPal? After creating a PayPal account, you can easily send money through it. Here is how to send money to someone on PayPal: ·         First of all log into your PayPal account ·         Once on your dashboard, click on "Send & Request Tab." ·         After this enter the recipient's email or mobile phone number. ·         Enter the amount you wish to send to someone. ·         At last, recheck all the details and click "Send Payment" to complete your transaction if everything looks in order.   How Can I Send Money PayPal for Goods and Services? PayPal provides a safe method for individuals and businesses alike to transfer funds online, both personally and commercially. When paying for goods or services there are additional protections in place both for buyers and sellers. PayPal Buyer Protection offers you peace of mind when paying for products or services with PayPal. In the unlikely event that there is an issue with a transaction, if there are any discrepancies you may dispute it and be eligible for a possible refund. You need to follow the same steps to send money, but select Paying for Services or Goods when prompted. In fact, this extra layer of protection will keep your account safe from fraudulent attacks.   How to Transfer Money to PayPal from Bank? Here is how to transfer money from PayPal from bank: ·         Log into PayPal using either its app or website. ·         Click "Add Funds" in the Wallet section, and add money directly from your bank to your PayPal account. ·         If you have linked your bank account with PayPal, select it under Funding options to select it as your funding option. ·         Enter the amount you would like to transfer to PayPal from your bank balance. ·         Click Add Funds. It typically takes several days for funds to arrive on your PayPal account.   FAQ How can I send money PayPal? Log into your PayPal account, select "Send and Request," enter in your recipient's phone number or email address, select the amount due, payment method of choice and click on "Send Now" - quickly and safely sending money via PayPal is now an efficient method of money transfers!   How do I transfer money to PayPal from a bank? Log into PayPal and select "Add Funds" to transfer money from your bank to PayPal. Select your account number, input an amount, and confirm it. Though the transfer may take up to several days for completion.   How do you send money to someone on PayPal? Simply log into your PayPal account, select "Send and Request", enter the recipient's phone number or email address, select the amount to send, and click "Send Now".   How can I receive payment through PayPal? Senders can easily accept payments with PayPal by providing your PayPal email address and being notified via email when a payment has been completed. When funds appear in your PayPal account, they will appear instantly!
    • At least yours have parkour down pat. One of mine will still trip over his own shadow and fall over... He's a special type of cat... Ha ha ha
    • The question then becomes - was there any fluid coming from that hole before you did the rebuild ?    You may not have noticed, of course.   Depending on how you did the rebuild, the possibility has to be considered that somehow (cleaning ?)  fluid entered that hole and is now being 'forced'  out by small movements of the proportioning valve.   From the factory, there's actually a small rubber plug in that hole but with age and under-bonnet heat it's quite common for it to 'go missing'.  That rubber plug is designed to allow the venting process but also to prevent 'stuff' getting to the area (prevent corrosion, etc).   The plug is also not available as a spare part AFAIA. Personally I wouldn't race and buy a new master just yet but keep an eye on the area to see if the 'leak' continues.   If you're concerned about brake fluid damaging nearby paintwork, cable tie a piece of suitable absorbant material over the hole and remove/monitor occasionally.    Operation of the proportioning valve and the brake master itself won't be affected, but also keep an eye on brake fluid level, of course. In terms of a new master, the genuine part is getting expensive, unfortunately.  Amayama is showing AUD900+.   I was searching recently and there's an aftermarket part available from Japan made by 'Parts Assist': https://zenmarket.jp/en/yahoo.aspx?q=BNR32%2bBM50&p=1 Whether it's any good I have no idea, although in my experience Japanese aftermarket stuff is pretty good quality-wise.   The above site allows overseas buyers to purchase stuff more easily from Japan but there are fees and shipping costs, of course.   The original Japanese seller page is here: https://auctions.yahoo.co.jp/jp/auction/p1197401228 Copper/Nickel is fine but I still prefer bundy tube and it's also cheaper.
    • Your chihuahuas look weird!
×
×
  • Create New...