Jump to content
SAU Community

Recommended Posts

Be careful, some friendly advice a comin' your way

3rd party property insurance does not cover ANY damage to your car, not ever... including fire, theft, coined, egged. You wanna hope you don't meet any roos or have someone back into you in a carpark. If you don't have comprehensive insurance, good luck getting support if you have a "not at fault" accident, it will be just their word against yours and you will be powerless to fight it.

  • Replies 76
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Be careful, some friendly advice a comin' your way

3rd party property insurance does not cover ANY damage to your car, not ever... including fire, theft, coined, egged. You wanna hope you don't meet any roos or have someone back into you in a carpark. If you don't have comprehensive insurance, good luck getting support if you have a "not at fault" accident, it will be just their word against yours and you will be powerless to fight it.

Fcking shit bags that egg and brick cars or key them. I read that 3rd party property should cover you if its their fault like if they ram into the back of your car. So wouldnt it be the same as in a carpark where if they back into your car its their fault ? O unless they run away ! That would suck.

And as for the roos i hope the cull disintegrates them all.

And i hear there is also problems with comprehensive like they will try to not cover you, or only cover part of it and having to pay the excessess and premiums etc.

Fcking shit bags that egg and brick cars or key them. I read that 3rd party property should cover you if its their fault like if they ram into the back of your car. So wouldnt it be the same as in a carpark where if they back into your car its their fault ? O unless they run away ! That would suck.

And as for the roos i hope the cull disintegrates them all.

And i hear there is also problems with comprehensive like they will try to not cover you, or only cover part of it and having to pay the excessess and premiums etc.

3rd party property only covers damage you do to other property, it will never cover damage to your property (car) whether you are at fault or not.

haha it just sounds more and more like what i did back when i was 18. I bought the R33 after 'calculating' all the costs and weighing up that i could afford it but there are so many variables that i didn't take into account, the main one being your quality of life (things you can do on the weekends with mates etc.) lowering because you have to pinch pennies to pay for the car and the associated costs. If i could go back i would not buy the car, thats not to say i don't love the car, but i would have done exactly what has been said here time and time again. Hindsight is a bitch :banana:

If you're like me though you won't listen to this so just think about whether you are buying the car emotionally or logically. A Toyota Camry will be cheaper to run, cheaper insurance, cheaper parts, cheaper everything really and will also attract a lot less attention (talk to a few people about the 'safety' of some of the uni carparks).

3rd party property only covers damage you do to other property, it will never cover damage to your property (car) whether you are at fault or not.

No but the other car that hit you will cover you with their insurance and i read that if the car that hit you wasn't insured the company of insurance can pay up to 20million dollars in damages to your car (from NRMA site) i think they sue they other driver.

haha it just sounds more and more like what i did back when i was 18. I bought the R33 after 'calculating' all the costs and weighing up that i could afford it but there are so many variables that i didn't take into account, the main one being your quality of life (things you can do on the weekends with mates etc.) lowering because you have to pinch pennies to pay for the car and the associated costs. If i could go back i would not buy the car, thats not to say i don't love the car, but i would have done exactly what has been said here time and time again. Hindsight is a bitch :banana:

If you're like me though you won't listen to this so just think about whether you are buying the car emotionally or logically. A Toyota Camry will be cheaper to run, cheaper insurance, cheaper parts, cheaper everything really and will also attract a lot less attention (talk to a few people about the 'safety' of some of the uni carparks).

Haha my life is wake up 8AM then school then gym then work and come home at 11:30PM and i work on weekends also so no time to spend money with mates. Except holidays.

Seems like everyone regrets buying their car lol. Im worried now whether i should buy the car cause ill have lots of money but nothing to spend it on and ill become a boring person and then end up spending money too wisely rest of my life by buying crappy 1 litre cars. :devil:

No but the other car that hit you will cover you with their insurance and i read that if the car that hit you wasn't insured the company of insurance can pay up to 20million dollars in damages to your car (from NRMA site) i think they sue they other driver.

Sorry... I'm not trying to be difficult here, I'm trying to help - you're not reading the small print correctly. 20 Million? Sounds to me like its is only Liability i.e. personal injury using their Compulsory Third Party (CTP) as part of their registration. This does not cover property damage to your vehicle. In other words "20 million in damages for you breaking your neck", not your car.

If you have Third Party Property insurance, no damage is covered to your car. If the other party is insured, and they're honest people, then you're okay - BUT if they want to get out of paying an excess and higher premiums in future or won't accept fault... well GOOD LUCK with getting your support, because the result will be their insurance company vs one small individual = where can I get the money to fight this in court? oh crap... its cheaper to fix the car myself.

Please talk to NRMA and understand the difference between CTP and TPP. Then for your own sake, compare TPP with Comprehensive.

ive always gone full comprehesive.. even on my camry.. there is the whole 'just incase' factor. it was really worth it when some idiot decided not to look to his left when changing lanes on the parkway. scraches and dents all down the side of the beamer. one call and it sorted it all out.

you might think its cheaper to just get TPP but you cant assume that the accident that you may have is not going to be your fault. im going full comprehensive on my Chaser not because i think im going to crash it, but incase i crash it.. sh!t happens. if someone runs into you in the car park then drives off you arent covered with TTP, same with keying and all the other awesome things that idiots decide to do to someone elses car..

Edited by Ex!$t3nZ

yeah doing all the calculations and what nots great, but now i have started the basics of business at uni, realising i missed a hell of a lot, not to mention calculating fuel lol, zac be sure to come along to the cruises here goods fun they are, that white 34 does look nice,

Sorry... I'm not trying to be difficult here, I'm trying to help - you're not reading the small print correctly. 20 Million? Sounds to me like its is only Liability i.e. personal injury using their Compulsory Third Party (CTP) as part of their registration. This does not cover property damage to your vehicle. In other words "20 million in damages for you breaking your neck", not your car.

If you have Third Party Property insurance, no damage is covered to your car. If the other party is insured, and they're honest people, then you're okay - BUT if they want to get out of paying an excess and higher premiums in future or won't accept fault... well GOOD LUCK with getting your support, because the result will be their insurance company vs one small individual = where can I get the money to fight this in court? oh crap... its cheaper to fix the car myself.

Please talk to NRMA and understand the difference between CTP and TPP. Then for your own sake, compare TPP with Comprehensive.

Lol im talking about TPP. I was saying since if you crash into someone else your TPP covers them like you said, but if they crash into your their TPP should cover you as well, but seems like your saying that they wouldnt cover me. Maybe im also not an honest person ? Nah im kidding.

O and its damage to property like hooses and shit

"Liability cover

If you cause an accident that damages someone else's property, such as their car, building or fence, we'll pay up to $20 million (including GST) for the damage caused by your car, and we'll cover the legal costs involved."

So means if someone else damages my car with their car and they have this 3rd party they should cover me yes no ?

But the uninsured motorist damage is only max 3k lol.

Haha and whats with this comprehensive expensiveness

Annual Amount - $4,945.64

:|

Thats the beauty of being an old fart... it only costs me around $900 with bonus glass protection (any single pane of glass a year can be replaced without impacting NCB with no excess) :D:blush::)

Thats the beauty of being an old fart... it only costs me around $900 with bonus glass protection (any single pane of glass a year can be replaced without impacting NCB with no excess) :D:blush::)

Ill just get my old man to get it and then if i crash ill run out of vehicle and call my dad and get him to replace me as the driver :D Or if im seviourly decapitated then . ;(

What about that justcars or that car enthusiast one that they showed

and then when you get caught you get charged with fraud and slapped with a super happy fun time fine.

If you can't afford the insurance you can't afford the car (shouldn't be preaching that, i didnt have insurance for the first 6 or so months because i couldnt afford it...)

to cover insurence and rego im putting away 130 a fornight, my insurence is 3500 a year adjusted to 2300 (its a just car thing, but theres a shite load of excess if i claim, but i would claim for anything less then it anyways, want to keep good rating) so year need to keep that in mind, i cant wait for next year im going to negotiate a lower price

when i first go the insurence it was another 500 more, when on the phone you really need to be a mixture of firm and nice, and get the person on the phone on your side (like you) do the whole "mate would be able to see if x time driving, or this course etc would get me some cash off" if you play your cards right it will.

im going to shannons at some point this year and talk to them and see if i can get on board with them, normally need to be over 25 or 5 years driving, but im hoping the people there will see that i have restricted leave anyways so only use car in mostly non peak hour, and am responsible or that they are an ex service member and wanna help out one of the boys, fingures crossed.

What kind of insurance would i need if a pedestrian were to run into my moving car and it was his fault running under my car and my car suffers damages. Can you sue the pedestrian ?

But ill guess ill just go with third party and hope i dont cause any accidents or some bum doesnt brick my car, and if they do ill slap them down.

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

    • Seat of the pants assessment of the new intake: The car is way less "doughy" when hitting the loud pedal, especially off idle when stopped or in traffic, I did use a cheapo lazer thermal thingo to measure the temp around where the pod filter got its air, it was between 55 - 60°C, in saying this the car was shut off and not moving, so the OEM intake pipe was not supplying any fresh air to where the pod was when the car was at least moving A weird bonus was induction noise on the throttle in the cabin increased a bit,  I was worried that I was actually going to lose some of that induction noise I love so much, outside though, when I got the daughter to do a WOT drive by pass for me, the induction noise has increased alot when on the throttle, not quite ITB doort, but well up there I'm extremely happy with the results and have been exploring the country roads in the region  As for house mods: 1.New front fence is up and is awesome, it really upgraded how the joint looks from the street, and the added security is nice 2. Electricians have replace some interior lights, and with more lighting in the garage, a few new motion detecting lights out the front above the garage, front room, and at the front door, which I have already found heaps helpful coming and going, also now has fancy pants CCTV all round the house The only hold point for power though is the solar and batteries due to supply issues, although this will happen over the next few weeks 3. I have done a heap of landscaping out the front and I'm almost ready to do a new small retaining wall with some nice blocks to replace the brick and cemented in rocks around the raised garden beds cemented in river stone "was the fashion at the time" the house was built. I currently have a pallet of retaining wall blocks and 2 bulka bags of 20mm blue metal to replace the wood chip that is in the raised garden beds around the house 4. I now have 3 big raised garden beds for out the back to grow some vegetables, about 70cm high, 200cm long and 100cm wide 5. My 2 compost bins are already pretty full with brown, green and kitchen waste from the landscaping I'vedone so far, but they will probably take a few months to break down, so anything else that gets chopped, trimmed, and kitchen waste will just start filling the base of the raised garden beds to about 30cm before I start throwing 40cm of good compost, and stuff, for the vegetables to grow in, I'll need a few ton of compost and soil, but the local supplier can sent me bulka bags of the stuff Basically the logs, wood chips and a few strategically placed rocks for drainage, will give the beds some good organic materials down low to break down over time, and they will hold moisture during the warmer months to save the water in my big arse water tank if we don't get alot of rain So, all in all, the car and house mods are going well, and I'm really enjoying being retired, I sleep in too 0700 and slowly plod around inside until I feel like actually doing anything, and only work in the yard for as long as want, which has actually been alot over the last few weeks,  although when you look at it, it seems that not a huge amount of work has been done,  until I look at the before I started the work pics Happy days and good times indeed 
    • hahaha yeah. Plan is to get side skirts and probably just rear pods. But going to do them one-by-one. I've got a set that I really like from RHDJapen, but that one isn't shipped to AU. So need to find someone who can get it for me
    • Here's an idea, answer the questions I asked you as they are trying to work out WHY the LSD will be binding up in a straight line.
    • You haven't driven many modern cars then have you? Most of them have sfa steering feel with their stupid electric bullshit steering systems.
×
×
  • Create New...