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Insurance On Your P's

SKYL1N

By SKYL1N,
in Victoria

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SKYL1N Mentor

SKYL1N

Posted
Posted

Not long now till i turn the L plates over and start driving solo.

from experience, what the best value for money insurance company out there that guys in a similar situation to me (on p plates) are using

car is a 1997 Series 2 R33 GTS

thanks

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Rekin Grand Master

Rekin

Posted
Posted

JustCar Insurance

Third Party Property Damage Insurance plus Fire and Theft

All the benefits of third party property damage insurance, plus fire and theft cover for your car for market value up to $10,000.

Thats only a $2-4k loss if my car gets stolen, better than $9k haha

but dont listen to me,

go Full insurance :)

adam-__- Grand Master

adam-__-

Posted
Posted

In my opinion, you should just go with 3rd party insurance. $3k+ a year is going to be pretty bad. When/if you go 3rd party, just try not to do anything stupid on the road (yeah, I know it's easier said than done) because if you write your car off, that's it. The few seconds of that adrenalin rush is not worth it :D

Good luck with everything.

krzysiu Grand Master

krzysiu

Posted
Posted
Just cars will charge you a helliva lot more to pay by the month or every 6months, can't remember exactly but i think 30% sounds right.

When i called up alianz pay by the month only increased the premium by $30

DNGRUS Veteran

DNGRUS

Posted
Posted

im on my P's and im insured by just cars, also with a 96 model r33 coupe.

But im on 3rd party, not sure if ur going full compehensive or just 3rd party.

i just got my car under insurance on Tuesday and im paying a little over $600 including fire and theift...

apparently every month the prices can either rise or drop, i dunno thats wat the guy i was tlkn 2 at just cars over the fone told me...

something got 2 do with statistics due to your area code..

cheez Mentor

cheez

Posted
Posted

currently insured with just cars. paying $1130 down from $1480. car is insured with aftermarket front bar, cooler, zorst and sound system to $1000.

rand young and cool and guess what, 980 full comp, plus higher value on car, from 13 to 14.7k, also down goes excess to 1600 instead of 2100.

go with young and cool. but hey im 22 now so bit diff but in the last 3 yrs have had a license suspension and 2 x 3 dermerit point fines so might be similar.

otherwise ensure the car under a parents name and then have you as a nominated driver of less than 5% of the time. will be a little less expensive but you dont build a rating.

thats my 2 cents

Helio Proficient

Helio

Posted
Posted

I'm insured with Ryno Insurance, I think it’s about 1100 or 1200pa. and 1150 excess. Had a claim a few months ago, when someone ran into my front bar, and all went through fast and smooth. Got quoted 2200 from young and cool with 1600 excess. Just car quoted 1700 with 1400 excess. I don't think Ryno do people under 20.

adam-__- Grand Master

adam-__-

Posted
Posted
currently insured with just cars. paying $1130 down from $1480. car is insured with aftermarket front bar, cooler, zorst and sound system to $1000.

rand young and cool and guess what, 980 full comp, plus higher value on car, from 13 to 14.7k, also down goes excess to 1600 instead of 2100.

go with young and cool. but hey im 22 now so bit diff but in the last 3 yrs have had a license suspension and 2 x 3 dermerit point fines so might be similar.

otherwise ensure the car under a parents name and then have you as a nominated driver of less than 5% of the time. will be a little less expensive but you dont build a rating.

thats my 2 cents

You can't do that can you? I thought that they just ask for the youngest driver of the car and determine the price on that driver? It doesn't matter what other drivers there are, they just charge you according to the youngest driver?

bluey33 Experienced

bluey33

Posted
Posted
You can't do that can you? I thought that they just ask for the youngest driver of the car and determine the price on that driver? It doesn't matter what other drivers there are, they just charge you according to the youngest driver?

It will end up cheaper if you put it down as you use the car 5%... so the insurance company think its "mum" driving it and you use it like once a month. But i know couple of people who have had claims with this and the insurance company came around to neighbours asking who drives the car etc...

SAM916 Mentor

SAM916

Posted
Posted

Being a young driver with an import seriously restricts the range of choices you have, i'm full comp with just car and paying a little over 4K, and has to be paid in one go, apparently theres a few smaller specialised import insurance companies out there, could be worth some investigation, i know i'll be looking when my insurance comes round again!

adam-__- Grand Master

adam-__-

Posted
Posted
It will end up cheaper if you put it down as you use the car 5%... so the insurance company think its "mum" driving it and you use it like once a month. But i know couple of people who have had claims with this and the insurance company came around to neighbours asking who drives the car etc...

I didn't realise you could put down that you drive the car 5% of the time. I don't have my licence yet, but I've done a few online quotes and I haven't seen anything about only driving the car 5% of the time so I'm kinda lost. I guess I should start to worry about insurance when the time comes.

bluey33 Experienced

bluey33

Posted
Posted

Nothing wrong with looking ahead. Best to ring the insurance company, you should get more information from them then their site.

I dont know what insurance companies do it but i know they do. Might not be 5% but may be options like drives 2 hours a month etc.

My next door neighbour had it for his 300zx and then had a claim and they asked my dad who drove it. He was smart enough to say the parents.

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