Crashed 32 Gtr

[lingeringsoul]

yeehaw! (like me)

damn right, thats what they are built for......

[ossie_21]

if god forbid one day u smash your car i hope noone gives you sympathy either.

edit: do some sums on insurance for younger drivers and you will see that its not an irresponsible thing NOT to insure your performance car.

What he has said is true, if you can't afford the insurance you can't afford the car. There is no excuse mate.

[siksII]

What he has said is true, if you can't afford the insurance you can't afford the car. There is no excuse mate.

what if you can afford it and you choose not to? that is my point. and i think people are either one way or the other on this issue so i know there is probably not much point arguing this....

[MotoMan]

what if you can afford it and you choose not to? that is my point.

Simple.. Your an idiot..

I see my chances of an at fault smash.. non-exsistent.. yet i still have insurance

With all the other dicks on the road.. including Un-insured people the chances of someone else damaging/stealing my car are high

[fatz]

this thread keeps on getting better

im moving to the montains

anyone knows the driver address so i make sure i dont go near the streets he regularly drives on

[thorpe84]

FARRRRRRRRRRK!@!!!@@@! do an insurance job just say your were driving.

what are they going to say? no you wernt?

i was in a really bad car crash 2 years ago and the damage on your car looks alot worse then mine, thank f**k your alright. Unfortunatly the outcome was different for my crash =/

[AlexCim]

So, want to sell the wreck mate???

Let me give you an example of why full comp isnt worth it for young drivers.

1997 Nissan Stagea, modified exhaust, turbo, suspension, intercooler, ebc and ecu, $4300 per annum and 800+1200$ excess for a 18/19 year old driver/owner.

Import STOCK AS A ROCK Stagea, 10k landed AND complied.

Replace all the mods and sell parts from the wreck, ends up about the same as having paid 2 years of insurance.

I had a stack, that night cost me ~5k, BUT i would have paid $4300 x 2 + $800 + $1200 if i had insurance.....

Also FYI, I could easily afford that 4.5k per annum it really wouldnt put a dent in my pocket, I just dont think see there being a point when that premium+excess is more than half of the cost to import/comply another one.

So if you dont get insurance, its not because you cant afford it full stop.

Now the car is fixed, Ive got about $24,000 worth of plans for it to be done over the next few months, and guess what, I am not going to get full comp again. Simply put, I just dont think anyone will insure me, and if they do, there will EASILY be something on the car that they can deny me a claim for, so woohoo, wasted money paying premiums to have dishonored claims!

If I was an old guy, sure, id get full comp. My parents pay like $400 a year for a 2001 Astra full comp and the excess is $400 too, thats value, but sorry, premiums of ~5k and excess of ~2k is just shooting up real high there on the "rip-off-o-meter"

[Nexus9]

I don't think the argument is about not having comprehensive insurance, but more about having no insurance at all!

i.e. no third party, fire and theft.

I don't care if you decide not to have full comprehensive thats your choice, but if you are driving around without at least third party then you are nothing but a menace.

(not meant at anyone in particular, only those without third party)

[sigsputnik]

Let me give you an example of why full comp isnt worth it for young drivers.

1997 Nissan Stagea, modified exhaust, turbo, suspension, intercooler, ebc and ecu, $4300 per annum and 800+1200$ excess for a 18/19 year old driver/owner.

This is where your example falls down - 18 year old with a modified turbo import? Of course the premia would be insane.

I had a stack, that night cost me ~5k, BUT i would have paid $4300 x 2 + $800 + $1200 if i had insurance.....

$5K? OK, now let's say you hit a BMW Series 7. Not even the top of the line one. That's the ugly side of $200K. Now let's say the passenger was pregnant. The passenger and unborn child die in the crash. The driver is incapacitated for life.

That's an awful lot of Stagea parts.

[ossie_21]

Chris Rock summed it up best, they should call it "In case shit". I can understand the side of not wanting to pay such high prices, but "in case shit happens", I don't want to be caught out of it paying for an empty spot in my driveway, paying for someone elses car because I was irresponsible or paying money off for 10 years with nothing to show for it.....

As for the other topic brought up anyone with no insurance at all should be belted across the face with a large trout.

[dezz]

So, want to sell the wreck mate???

Let me give you an example of why full comp isnt worth it for young drivers.

1997 Nissan Stagea, modified exhaust, turbo, suspension, intercooler, ebc and ecu, $4300 per annum and 800+1200$ excess for a 18/19 year old driver/owner.

Import STOCK AS A ROCK Stagea, 10k landed AND complied.

Replace all the mods and sell parts from the wreck, ends up about the same as having paid 2 years of insurance.

I had a stack, that night cost me ~5k, BUT i would have paid $4300 x 2 + $800 + $1200 if i had insurance.....

Also FYI, I could easily afford that 4.5k per annum it really wouldnt put a dent in my pocket, I just dont think see there being a point when that premium+excess is more than half of the cost to import/comply another one.

So if you dont get insurance, its not because you cant afford it full stop.

Now the car is fixed, Ive got about $24,000 worth of plans for it to be done over the next few months, and guess what, I am not going to get full comp again. Simply put, I just dont think anyone will insure me, and if they do, there will EASILY be something on the car that they can deny me a claim for, so woohoo, wasted money paying premiums to have dishonored claims!

If I was an old guy, sure, id get full comp. My parents pay like $400 a year for a 2001 Astra full comp and the excess is $400 too, thats value, but sorry, premiums of ~5k and excess of ~2k is just shooting up real high there on the "rip-off-o-meter"

lol you're getting owned on those quotes

$1700 a year, full comp, $25k agreed value, 20 years old, unlimited mods, $900 excess.

[nismoRB]

thts bad luck..

[180bfj20det]

This is where your example falls down - 18 year old with a modified turbo import? Of course the premia would be insane.

$5K? OK, now let's say you hit a BMW Series 7. Not even the top of the line one. That's the ugly side of $200K. Now let's say the passenger was pregnant. The passenger and unborn child die in the crash. The driver is incapacitated for life.

That's an awful lot of Stagea parts.

Compulsary third party insurance covers the death of third party victims.

Dont need full comp to cover other property. So that BMW Series 7 you crashed into can be covered by cheap as chips (relatively) third part property insurance (dont know what the limit is tho)

Full comp is not needed unless you want to cover your own car. Everything else is covered by the two abovementioned third party insurances.

My datto....hahahahah, full insurance? I pay more in a year than the cars worth. Fact is, accidents rarely happen. They happen more when youre young and dumb and when you drive like a dickhead (and there are too many who do).

If full comp is worth more than the car after two years, its not worth it. Drive safely and be it so that accidents rarely happen, then the two 3rd party insurances have you covered well with probablity on your side.

Edited February 11, 2007 by 180bfj20det

[Merudo]

Compulsary third party insurance covers the death of third party victims.

Dont need full comp to cover other property. So that BMW Series 7 you crashed into can be covered by cheap as chips (relatively) third part property insurance (dont know what the limit is tho)

Full comp is not needed unless you want to cover your own car. Everything else is covered by the two abovementioned third party insurances.

Exactly.

Some people in this thread that are getting really amped up can't seem to differentiate different types of Insurance. Full comprehensive? As long as the guy had Third party property damage insurance then nobody is in a position to abuse or bag the crap out of him.

Not to mention even with full comprehensive insurance his mate driving most likely wouldn't be covered anyway.

[R34NRG]

i cant see pics

[noone]

INSURANCE Right?!? I am 32 never had a claim on insurance in the past and rang shannons for a quote on insuring my new (new to me ) 32 GTR before I even get a chance to tell the guy my age or anything else he asks if I have owned a skyline before, after I say no he says unless I can prove a history of owning performance cars they would be unable to insure me. WHAT TH f*k was all I could think as the guy then hung up on me after saying some shit like ring us back after 12 months of ownership.

Then they would probly knock back any calims coz a modified anything anyway.

Insurance is a rip off.

Buy an alarm and try not to wreck it what else can ya do.

[VB-]

i cant see pics

its coz the thread is 6 months old

[sh@un]

ah- the joys of thread mining