Jump to content
SAU Community

Insurance On Your P's

SKYL1N

By SKYL1N,
in Victoria

 Share

Recommended Posts

adznight Newbie

adznight

Posted
Posted

Hey guys, I'm not having a go here, this is a serious question. Some of you here may be moving to P's driving turbo 32's, 33's and 34's maybe yeah? These new P laws are coming into effect at the end of this month yeah? If the law makes it illegal to drive these cars surely an insurance company isn't going to cover you when if you make a claim, they'll get out of paying you claim piece of p|ss.

It's a similar situation ot driving a car with unlisted modifications or an unroadworthy vehicle. Sure they are willing to insure you but when it comes time to claim they WILL knock you back saying you were driving the car illifaly. Just a bit of heads up huh! What are you guys planning on doing??

PS - I notice some are in GTS's and the law wont effect drivers already on P's :P

adam-__- Grand Master

adam-__-

Posted
Posted
Hey guys, I'm not having a go here, this is a serious question. Some of you here may be moving to P's driving turbo 32's, 33's and 34's maybe yeah? These new P laws are coming into effect at the end of this month yeah? If the law makes it illegal to drive these cars surely an insurance company isn't going to cover you when if you make a claim, they'll get out of paying you claim piece of p|ss.

It's a similar situation ot driving a car with unlisted modifications or an unroadworthy vehicle. Sure they are willing to insure you but when it comes time to claim they WILL knock you back saying you were driving the car illifaly. Just a bit of heads up huh! What are you guys planning on doing??

PS - I notice some are in GTS's and the law wont effect drivers already on P's :D

Yeah, not long until these new laws and penalties comes out. I don't get my licence until the end of the year so it means I can't drive my skyline. It's a bitch because this car was purchased WAY before they even anounced that these laws were coming in. I guess I can't do anything about it.

I'm planning on just getting an NA S13 or something. Something rear wheel drive for a bit of fun. They're cheap and it shoudn't matter if I damage it.

R33 S2 Collaborator

R33 S2

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!

:D 4k. how come u getting charged that much?

SAM916 Mentor

SAM916

Posted
Posted
:D 4k. how come u getting charged that much?

cause its an imported skyline, i'm on p's, i have a driving record, and i have a minor accident history, and i'm male under 25, so its like the worst combination possible. But if its the sacrafice i have to make to have the car, then i'm willing, but reluctant to make it...

R33 S2 Collaborator

R33 S2

Posted
Posted
cause its an imported skyline, i'm on p's, i have a driving record, and i have a minor accident history, and i'm male under 25, so its like the worst combination possible. But if its the sacrafice i have to make to have the car, then i'm willing, but reluctant to make it...

yeah true! i get charged $2200 for my 33 and im 21 with a driving history. jus never heard of any1 getting charged that much thats all. but always good 2 have full comp :D

adam-__- Grand Master

adam-__-

Posted
Posted
Yeah fair enough, see my first car was a VB SL, was clean enough so I can get where you're coming from. A Silvia might be a bit more fun though :thumbsup:

I was paying about 3k for full comp when I was under 25 rating 4.

I thought full comprehensive insurance on an aussie car would be cheaper.

The only down side to having a Silvia is that it's an import and the police are just going to pull me over to check whether it's a turbo or not. The NA S13 is the best car out there at that price though in my opinion. Hopefully it's not too bad.

Omurru Veteran

Omurru

Posted
Posted

f**k I dunno how to say what I wanna say :D I thought the insurance company was insuring you to drive the car regardless or weather or not the law says you can or can't. If you go through all the stuff to get insurance and they are happy to insure you driving a car they know full well is illegal for you to drive they can't exactly turn around at claim time and say were not gonna cover you....fair enough if you have illegally modified the car etc. wouldn't it be their responsibility to say no we can't insure you for that car as it's illegal for you to drive?

Also I fail to see how the new laws change anything, 125kw/tonne pretty much ruled out everything the new laws do....there used to be plenty of p platers getting around in 33gtst's and crashing them and getting insurance payouts for them, it was illegal then it's illegal now, where's the difference?

R31Nismoid Grand Master

R31Nismoid

Posted
Posted

The loop hole i would imagine would be

They can insure you, i mean its not wrong for them to give you full comp, for things like theft and what not.

But if you contradict the road laws then they dont have to pay you out.

Its a bit stinky i agree, but i can understand. You might own a car and not wish to drive/be allowed. But you could still insure for theft, and say if you left the handbrake off and it rolled out the driveway into 4 car or something equally as unlikely to occur :thumbsup:

adznight Newbie

adznight

Posted
Posted

It's simple, Insurance companies want to make as much money as possible. When anyone slams a car into a pole etc and they have to pay out, they are not making money, they are loosing it. If an insurance company can find ANY way to get out of honoring a claim they will. Whether it be unlisted modifications, drink/drug driving, driving under age, driving while disqualified or driving a banned car on your P's etc. Insurance companies are dogs. Never forget that :)

SKYL1N Mentor

SKYL1N

Posted
  • Author
Posted

well guys i decided to insure my R33 GTS (p plate legal)

with just car

3rd party + fire & theft

647 bucks

wooop :domokun: thanks for all your help guys, gave me a good ball park figure to aim for.

Omurru Veteran

Omurru

Posted
Posted
The loop hole i would imagine would be

They can insure you, i mean its not wrong for them to give you full comp, for things like theft and what not.

But if you contradict the road laws then they dont have to pay you out.

Its a bit stinky i agree, but i can understand. You might own a car and not wish to drive/be allowed. But you could still insure for theft, and say if you left the handbrake off and it rolled out the driveway into 4 car or something equally as unlikely to occur :(

hmm suppose, it's still dodgey as in my opinion. kinda makes you wonder sometimes though about comp insuring modified cars and is it worth it, I mean if the insurance company turns around and says your car is illegally modified which lets face it pretty much changing a car in any way is illegal what can you do....coulda saved how much money over the last how many years only paying 3rd party....still I need to get me shannons insurance the whole lay-up cover thing, Awesome! :)

evil_weevil Grand Master

evil_weevil

Posted
Posted

with Insurance companies, its up to YOU to make sure its legal.

If you arent licenced to drive/ride a certian vehicle - and you have a policy thats current, the insurance company CAN turn aound and decline any claim.

Its not upto them to tell you - they arent the police or VIC roads/RTA.

Hence why all companies say "please read the PDS before...."

as far as I can see,anyone under 25 have just cars or young and cool, oh and famous

Oh, and the 5% driver thing?

hahahaha if thats a risk you want to take....go for it - once again - claim time - investiagtor...declined.

:)

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
 Share
Go to topic listing


  • Similar Content

  • Latest Posts

    • MBS206
      Duncan's V37.......race car?

      By MBS206 · Posted

      Even more fun, leave all the ADAS stuff plugged in, but in different locations, hopefully avoid any codes!   And honestly, all these new cars with their weird electronics. Pull all the electronics out Duncan, and just shove an aftermarket ECU and if needed a trans controller in, along with a PDM. Make it run basic but race car styled!
    • Duncan
      Duncan's V37.......race car?

      By Duncan · Posted

      To follow up a question from earlier too since I had the front bar off again (fking!) This is what is between the bumper and the drivers side wheel And this is the navigator side, only one thing but its a biggy! So basically....no putting coolers in the wheel arches without a lot of moving other stuff. Assuming I move to properly race prepping this car I'll take that job on and see how the computers respond to removing a whole bunch of ADAS modules
    • Duncan
      Duncan's V37.......race car?

      By Duncan · Posted

      So I prepped the car for another track day on Wednesday (will be interesting to see coolant temps post flushing out and the larger reservoir, with a forecast of 3-14 being 20o cooler than last time I took it out). Couple of things to mention; since I am just driving the car and not taking a support vehicle, I took the rear seats out and just loaded the back up Team Trackday style. Look at all that space! To cover off removing the rear seat....it is weird (note the hybrid is probably different because it wouldn't have folding rear seats) Basically, you remove the lower seat base, very similar to a r series but it is a clip that pulls forward to release the base rather than it being bolted down. Easy Then, you need to remove the side section of the rear seat on each side. There is a 14mm head nut at the bottom of the side piece, the it slides upwards off a hook at the top to release; you also need to unhook the seatbelt from the loop at the top. Then the centre piece is weird. You need to release/fold the seats forward with the tab in the boot on each side From there, there are 2,x12mm headed bolts holding the rear of each seat to the folding bracket, under the trim between the rear seat and the boot (4x christmas tree clips there, they suck). The seat is out but you can see where the bolts attach to the bracket
    • RP1421
      S15 Spec R

      By RP1421 · Posted

      As discussed in the previous post, the bushes in the 110 needed replacing. I took this opportunity to replace the castor bushes, the front lower control arm, lower the car and get the alignment dialled in with new tyres. I took it down to Alignment Motorsports on the GC to get this work done and also get more out of the Shockworks as I felt like I wasn't getting the full use out of them.  To cut a very long story short, it ended up being the case the passenger side castor arm wouldn't accept the brand new bush as the sleeve had worn badly enough to the point you could push the new bush in by hand and completely through. Trying a pair of TRD bushes didn't fix the issue either (I had originally gone with Hardrace bushes). We needed to urgently source another castor arm, and thankfully this was sourced and the guys at the shop worked on my car until 7pm on a Saturday to get everything done. The car rides a lot nicer now with the suspension dialled in properly. Lowered the car a little as well to suit the lower profile front tyres, and just bring the car down generally. Eternally thankful for the guys down at the shop to get the car sorted, we both pulled big favours from our contacts to get it done on the Saturday.  Also plugged in the new Stedi foglights into the S15, and even from a quick test in the garage I'm keen to see how they look out on the road. I had some concerns about the length of the LED body and whether it'd fit in the foglight housing but it's fine.  I've got a small window coming up next month where I'll likely get a little paint work done on the 110 to remove the rear wing, add a boot wing and roof wing, get the side skirt fixed up and colour match the little panel on the tail lights so that I can install some badges that I've kept in storage. I'm also tempted to put in a new pair of headlights on the 110.  Until then, here's some more pictures from Easter this year. 
    • joshuaho96
      R32 GTS (RB20DE) Injectors Replacement

      By joshuaho96 · Posted

      I would put a fuel pressure gauge between the filter and the fuel rail, see if it's maintaining good fuel pressure at idle going up to the point when it stalls. Do you see any strange behavior in commanded fuel leading up to the point when it stalls? You might have to start going through the service manual and doing a long list of sensor tests if it's not the fuel system for whatever reason.
×
×
  • Create New...