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Insuring under parents?

33Spec2

By 33Spec2,
in General Automotive Discussion

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33Spec2 Grand Master

33Spec2

Posted
Posted

I just wanted to find out if there are many people here insured under a parents name and have any of you made a claim before?

Ive been told that if there is an accident and you were driving the insurance company usually investigates how often you drive the car and can void your insurance? Ive heard that a lot of peoples insurance have been voided this way?

eg. they can claim that you drive more then the 5% stated on the insurance form

thanx

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Cubes Grand Master

Cubes

Posted
Posted

The problem begins if the car is insured under your parents name but registered under yours.

The name of which the car is registered under also has to be insured under.

I was caught out a while back as my parents bought me a car they insured it. Transfered the rego in to my name then later on only to find out that they had been paying insurance but not being covered due to not being insured under the same name as it was registered.

Really.. How will they know honestly if you drive it more than 5%.

Cubes Grand Master

Cubes

Posted
Posted

Depends on your rating.

Also remember that if you transfer the rego in to your parents name they will have to pay a stamp duty as if they were purchasing the car which could be a few if not more hundred dollars.

I'm a rating 1 aged 23, full comp I pay $1060 per year.

Rating 2 I was paying close to $1500 with another insurance company.

Spagman Explorer

Spagman

Posted
Posted

How much would a 24 old on a rating 6 pay for a stock r33 skyline with no prior accidents, 3 speeding tickets all under 15kms, and having a licence since 18?

I'm taking price for both full comp and 3rd party fire and theft? What if I want to mod aswell? I'm still at uni so money is tight for me.

Bleach1 Proficient

Bleach1

Posted
Posted

Most companys wont insure you at all if you are under 25, and living in NSW for me it was impossible to get 3rd party fire and theft. The best quote i got was $3500 but i got it down to 3 grand. i have my car insured for $30,000 though and NRMA was quiting me over $3000 for an old VN commodore.

xRHETTx Mentor

xRHETTx

Posted
Posted
Originally posted by Spagman

How much would a 24 old on a rating 6 pay for a stock r33 skyline with no prior accidents, 3 speeding tickets all under 15kms, and having a licence since 18?  

I'm taking price for both full comp and 3rd party fire and theft? What if I want to mod aswell? I'm still at uni so money is tight for me.

Go to www.justcarinsurance.com.au and do an online quote. You will know in about 24 hours how much it might cost. As you have no insurance history (rating 6) im guessing alot, prob $3000 or more. Asuming ur getting a turbo.

Guest INASNT

Guest INASNT

Posted
Posted
Originally posted by GTR-34

Well to insure an R34 GTR under my name 18 year old, we got quoted something like $30,000 from RACV i think it was, not quite sure my dad was doing it all.. $30,000 hehe how ridiculous

u told us it was your dads car, and not yours

:shake:

And RACV wont even give u a quote.

33Spec2 Grand Master

33Spec2

Posted
  • Author
Posted
Originally posted by Strich9ine

33spec2,

Don't baulk at the price of insurance, you wanted the car... Pay it yourself, it goes towards your rating yourself....

yeah i know but there is so many other things id much rather spend my money on then being ripped off by an insurance company

yeah the reason i took out my own insurance in the first place was so i could get a rating but but id rather have no rating and b under parents name cause by the time i do insure it myself i figure ill have lots more money to pay it not like now where i am studying

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