Jump to content
SAU Community

Recommended Posts

I think it is frightening how many people don't have insurance with Skylines.

I can understand that the prices are enormous for the younger of us, but insurance is one of the costs that you must consider BEFORE buying a turbo import.

Sorry.

El Bee

if you don't have at least 3rd party, a person is an idiot.. and yeah, you shouldn't be driving a skyline at all if you can't afford at least that!

3rd party at least, even if you write off the car (difficult to do), you should at least be able to get $10k for the sum of all the parts. Seems to happen a bit on here, people selling off the remains of accident cars.

I have always had at least 3rd party property on my cars, even the Gemini, but have gone full comp with the skyline. When your are over 25 rating 1 the premium is pretty good, definately worth the piece of mind. I have had a few mates get hit from behind, while stationary at a give way sign for example, and people give them dodgey info or refuse to pay as they don't have insurance. There is not a lot you can do, with full comp, its not your problem, its the insurance companies. That by itself makes it worth it, even though I am yet to have an accident.

Third party property is a must. I drove for a year without it and looking back I cant believe I was so stupid.

With my car it was $350+ for property. Comprehensive was $1,700 odd on a $5,000 car and so I didn't bother. My situation is a little different from most tho as I have a highly modified classic car.

think about it ... u driving around a car that costs 13k to 17k ... insurance costing u 2k and the the excess is 2.5k ... i mean come on ... 4.5k if u have an accident ... drive around 2 years ... 7k you've paid if you had an accident ... half the value of the car ... no point ... just get 3rd party ...

oh ... and make sure u are careful when u drive ... don't do stupid things like drag racing off the lights, well no to ridiculous speeds :D like 80+ in a 60 zone.. in fact dont' even do that :D ... never tailgate even if you're in a rush ... and be patient ... if you're a good driver then you're always aware on the road ... but yeah i must agree if someone hits you its a pain in the ass to get your money ...

3rd party property is a must. Even a shitter can go up the back of a merc/porsche/whatever and leave you up the creek. Comprehensive - depends on:

1) car's value

2) premium

3) how often your car gets damaged

Basically you work out the odds of having a claim in how many years vs what you're paying each year. Eg if my car's worth < $10k and they want $3k a year for comp, what are the odds the car will be stolen or written off in 3 years?

At the end of the day, insurance companies are a business, not a charity. They are there to make a profit selling you peace of mind. On average you will always end up paying insurance companies more money, or they wouldn't be in business. Insurance is for when you can't afford to pay for the loss yourself.

Some of those premiums arent too bad, NSW would seem to be the most expensive state for insurance... im paying $2800 for my R32 GTSt, full no claim bonus, live in a good suburb, never been booked, garaged and 27 years of age... but my mods are covered.

I wish i lived in another state for insurance purposes ;)

I think it's silly not to at least have third party. I just can't help but think I'm gonna run up the ass of a SL500 one day, so I'd be silly not to have it.

Fortunately I've been driving for about 4 years, and my insurance is pretty good, I've been running quotes through Justcars and got $1499 on a '96 GTS-T at $20,000 with $2000 aftermarket wheels (that's rating 2- 50% NCB). I thought I'd be paying like 3K for it, can't wait to get my car :)

I got quoted $451 for tpp with just cars, haven't paid up yet, seems a bit expensive.

I've got tpp withaon for my hilux, and it is way more modified than my line, and it only costs me $240, I'm hunting up a cheaper tpp provider for my line [aon won't touch it unfortunately]. But I reckon tpp for a skyline shouldn't be more than $350-400, anything else is just a shareholder profit dividend stock market rip-off.

I have been driving for 15 years and had comp insurance for all but the first 2 years (3rd party). I have NEVER made a claim on car insurance, but I would recommend that it is worth the piece of mind cuz I know as soon as I do nto have it, I will need it.

I just paid $10,000 for 10 cars in my company fleet....that hurts.

P.S NRMA fleet will insure a 96 GTR with agreed value of $50k for $2200...... seems good to me...might get one now.

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

    • The German place in Cabramatta was rock solid, fresh pretzel cooked to order back then. Then it went all quiet, after all the poker machines were removed, then I believe it closed for good. I did drive past the other week and noticed outdoor lighting a big screen, but no idea what is there now.  
    • Yeah I suspect even if you hold airmass per cycle/cylinder constant if you get too far away from stock you're still going to have problems running the factory tune within the bounds of the factory load scale. Cams, different displacement/rod ratio, etc. I'm just lucky that the GTIII-SS with wastegate boost + CA compliance cats is pretty much equivalent to stock turbos. When I have actual space I can finally get it tuned and modify the fuel system for flex fuel to 100% handle any detonation concerns when cranking the boost to whatever those dinky turbos can put out.
    • I would say no, why, because my daughter, who also lives in Goulburn, hasn't recommended us going there Pity, as we miss all the German joints around in Sydney, actually, the restaurants are the only thing I really miss about Sydney, and a special mention to Ishibanboshi at Bondi Junction, their Kara-age Don is heart cloggingly deliciousness (always added a special boiled egg...or 2) 😋 
    • Does that German restaurant still exist in the old place out the NW end of Goulburn? When I say "out the NW end of"...I am really being vague. It was 1997 when I was last there, and the only point of reference I can recall is that it was on the opposite side of the main drag from the big merino. And when I say "opposite side of the main drag", I don't mean "on the main drag". It was either a couple of streets back from there, or might have even been out in the sticks a bit further. Was an old farm building or mill or somesuch. And when I say "the big merino" I might actually be thinking of a completely different part of town, because I just looked on maps and the big bugger is not where I remembered him to be! The food was good, consisting largely of various German mystery-meat sausage/loaf things and kartofflen.
    • So while the second sentence is completely correct and the whole point of the conversation, the first sentence bears consideration. If this bloke is just hoping to throw big turbos on and drive it around, because there are no helpful facilities at all in his tropical paradise** then he likely has zero chance of even knowing what the TP is on the last column in the stock maps, let alone know whether the ECU is operating anywhere near it or past it. So the point is very very moot. And, per what I said before, at stock boost on those turbos, you may well be off the end of the map. **I'm just back from Vanuatu, so I know exactly what small Pacific nations can be like wrt paradise without requisite facilities. But it's not even that simple. I put a high flow on my car and had to drive it around without a proper tune because of the lack of opportunity*** to put the bigger AFM and injectors into it to allow it to be tuned. I had to turn the boost down to less than I had before, and back off the boost controller's ramp, because it was exploring parts of the map that it didn't drive in before, and really couldn't access for tuning on the dyno either, and so was pinging. It was still well within the last column, because when I first**** set up the Nistune on the Neo I rescaled all axes of the maps to give some more space to explore. ***Family dyno was broken ****This was 13 years ago, and the TIM thing wasn't a thing then and so TP would definitely grow when pushing past the stock tune's limits.
×
×
  • Create New...