Jump to content
SAU Community

Recommended Posts

SO lets see here, you can afford a cars thats $180k yet you dont wanna pay 5k a year for insurance, are you going to be able to pay for tyres, brake pads, trans fluid etc?

my guess is no you wont be able too, or is paying 600 dollars a tyre criminal too? so you will run around on $150 nankangs or somthing

hey

where can i get tyres for 600 have been quoted 1100. re; shannons i am on 1 year 1 point good driver bond with real bad history and they accepted me just cool i guess

  • Replies 159
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

+1.

I would have become defensive with my responses as the OP did. Too easy to say to someone your a 'dckhead' and to 'hardn the f up' on a forum. Dare I say with 100% certainty, non of these posters would say anything like this face-to-face.

You obviously don't know me then.

I tell people plenty of times, in pubs, clubs, shopping centres and footpaths that they are dick heads for doing stupid shit.

I love how people assume that 5k on a 180k car isn't much.

Myt brothers car costs 9.5k to insure BUT it is worth 850k.

Work it out.

i would hate to live in that NANNA state. I would be just like you.

What does your brother drive that is worth $850,000?

I love how people assume that 5k on a 180k car isn't much.

Myt brothers car costs 9.5k to insure BUT it is worth 850k.

Work it out.

i would hate to live in that NANNA state. I would be just like you.

$5K to insure a car is definitely too much when others are getting the same car insured for less than $2K. Mind you, they have much better driving records which is the sole (good) reason he's been quoted such an amount. You cannot directly compare premiums as a percentage of the purchase price of the car for different value cars simply because exotic cars are generally operated differently to "normal" cars. This is because; a) They do less kms, b) The owners do not park or garage them in risky places due to generally having other cars to use whenever the need arises and c) They are usually driven more carefully due to their inherent value.

Mind you, I still think your accident record is what should be the major factor in determining your premium, not whether or not you've been caught doing 55 in a 50 zone a few times in the past couple years. I wonder what his premium would be if he'd had a few accidents in the past couple years as distinct from getting caught speeding.

You want stupid insurance costs...

1973 GTR XU1 (genuine) fully original with 11,000 km on the clock, one owner...

Owner is 61, has a clean history & would never let anything happen to his pride and joy...

Insurance terms;

* Only he can drive the car (no exceptions, or no insurance is given)

* Not to be driven more than 100km in a day

* Not to exceed 5000km per annum

* QLD Club rego (so must comply with all those terms as well)

* Must be inspected on an annual basis

* Must be locked up in the garage of policy address

* A few other little bits, nothing too important

Anyway point being, Shannons insure this car...

$3400 per year with a $25k excess...

My point being, insurance companies all weigh up three things;

* Risk

* Value

* Profit

Then put it into a basic risk of payout ratio based on the car, driver and location...

From these results a premium is calculated & the excess is negotiated...

A car like the Torana mentioned is absolutely irreplaceable, nothing could replace that particular vehicle if it were stolen or destroyed...

As such a price has been placed on its value & even tho its a very low risk car for an accident its the apple of many thieves eye, hence dad never takes it anywhere...

If on the other hand you had a modern supercar (say a 35 GTR for example) if it gets stolen you can easily get another one tomorrow...

That said if its an original Aussie delivered R32 GTR you have in show room condition, well its in the same boat as the Torana mentioned above...

To my point of this, regardless of opinions of many in this thread the insurance company's have only one focus... profit...

So to quote 5k on a r35 for a person with a fairly poor driving history on paper, well thats probably fair infact id go as far to say as cheap compaired to some other justcar users who pay similar for cars worth less than a third the value...

Conclusion: Their here to make a profit and that's what they do well...

Yes, it is a business after all.

A friend of mine's father was an actuary working for and then CEO of a major financial/insurance firm in Australia, now retired. They have incredibly in depth analyses and formulas they utilise involving the vehicle, customer and parts/labour likely range of claims in the sector and types /frequencies of repairs. He sent me to sleep one night on the turps explaining it all. He and his company make good money, don't fool yourself into thinking it's a right to have cheap insurance. It's one of the most serious businesses out there. Luckily though it can be quite competitive also, so if you haven't called about 10 insurers then chances are you may not have gotten yourself the best deal going around.

As for speeding or other traffic infringements, there is mo excuse, regardless of what state you are in. Speed limits and the way they are enforced are not something I necessarily agree on but regardless you need to be smart enough to play the game. If you don't you just end up looking stupid when you get the fines.

He has Blue Lp640. Pics are in the SuperCar spotted thread in the NSW section.

isn't it for sale? Blue 640 with bout 7400km still under new warranty and he wants to buy a LP560 GT race car instead? If so then I technically know your bro

Loss of licence doesn't alter your premium much anyway.....It reduces the chance of some one giving you insurance, but it doesn't change the premiums much if at all. Fungoolie is right when it is accident record that determines the biggest chunk of premiums. It all makes sense now with why my own insurance is so cheap....

i would, and regularly do to people who tell me that they were caught speeding, etc. whether i know them or not. especially if i know them. my mate just got his licence back for the 10th time or something like that. he usually loses it in the first 6 months of getting it back because he only has 4 points. i constantly tell him he's a cockhead. i have customers coming in to buy bikes because they lost their licence. i tell them they are stupid as well.

OMG mad082 called me a cockhead!!! Life over... :)

You want stupid insurance costs...

1973 GTR XU1 (genuine) fully original with 11,000 km on the clock, one owner...

Owner is 61, has a clean history & would never let anything happen to his pride and joy...

Insurance terms;

* Only he can drive the car (no exceptions, or no insurance is given)

* Not to be driven more than 100km in a day

* Not to exceed 5000km per annum

* QLD Club rego (so must comply with all those terms as well)

* Must be inspected on an annual basis

* Must be locked up in the garage of policy address

* A few other little bits, nothing too important

<snip>

is the club rego a requirement, or did he decide to go that route? the reason i ask is that a lot of hot rod guys put their rods on club rego because it is cheaper and the car doesn't have to be as roadworthy to get it. a lot of the hot rods would never pass a roadworthy to get it fully registered. also if you have club rego you can only drive the car to club meets/cruises/shows. you can't just drive it to the shops to get milk. my in-laws are in a rod club and one of the members went on a cruise where they stayed over night. he drove the car to go out for tea and was booked for it cause the car was only on club rego, and driving out to tea wasn't classified as as part of the club cruise (cause it wasn't a club dinner).

is the club rego a requirement, or did he decide to go that route? the reason i ask is that a lot of hot rod guys put their rods on club rego because it is cheaper and the car doesn't have to be as roadworthy to get it. a lot of the hot rods would never pass a roadworthy to get it fully registered. also if you have club rego you can only drive the car to club meets/cruises/shows. you can't just drive it to the shops to get milk. my in-laws are in a rod club and one of the members went on a cruise where they stayed over night. he drove the car to go out for tea and was booked for it cause the car was only on club rego, and driving out to tea wasn't classified as as part of the club cruise (cause it wasn't a club dinner).

In short its not needed... He just does not drive it much at all really...

So why pay for rego it wont use... I mean almost 40 year old car with that many km's you get the picture...

From the website:

Our Staff

Our Instructors and staff have all spent many years devoted to training in their specialised fields. All our martial arts instructors have attained a certain level of expertise to qualify them as teachers and also mentors.

Dr. Peter Lewis

Dr. Peter Lewis is the senior kung fu instructor of Malvern Health & Fitness. He has thirty years experience teaching martial arts. He has trained with a variety of styles including several styles of kung fu, karate, tae kwon do and unarmed combat. Peter has trained with special-forces in both Australia and Thailand. Dr. Lewis is a sports physician specialising in martial arts injuries. He works out of the Re-Creation Medical Centre and has been the ringside physician for approximately 15,000 bouts. He has looked after boxing, kickboxing, karate, and tae kwon do fights. Dr. Lewis has been involved in officiating at all levels of martial arts including judging refereeing, ringside doctor, trainer and corner-man, ring announcer and rules co-coordinator. He has officiated at some of the most important fights of all time in over 30 cities around the world. Peter has trained with world champions and internationally recognised instructors in many countries. Dr. Lewis has extensive experience at treating physical trauma and also as an expert witness in assault cases. Through his experience of the medical aspects of martial arts training Dr. Lewis has devised a unique perspective on training that focuses on the health benefits of martial arts. He has a special interest in core body stability, skills acquisition, aerobic and anaerobic fitness, flexibility and sparring skills.

S15guy = Dr Peter Lewis?

Guest
This topic is now closed to further replies.



  • Similar Content

  • Latest Posts

    • So, that is it! It is a pretty expensive process with the ATF costing 50-100 per 5 litres, and a mechanic will probably charge plenty because they don't want to do it. Still, considering how dirty my fluid was at 120,000klm I think it would be worth doing more like every 80,000 to keep the trans happy, they are very expensive to replace. The job is not that hard if you have the specialist tools so you can save a bit of money and do it yourself!
    • OK, onto filling. So I don't really have any pics, but will describe the process as best I can. The USDM workshop manual also covers it from TM-285 onwards. First, make sure the drain plug (17mm) is snug. Not too tight yet because it is coming off again. Note it does have a copper washer that you could replace or anneal (heat up with a blow torch) to seal nicely. Remove the fill plug, which has an inhex (I think it was 6mm but didn't check). Then, screw in the fill fitting, making sure it has a suitable o-ring (mine came without but I think it is meant to be supplied). It is important that you only screw it in hand tight. I didn't get a good pic of it, but the fill plug leads to a tube about 70mm long inside the transmission. This sets the factory level for fluid in the trans (above the join line for the pan!) and will take about 3l to fill. You then need to connect your fluid pump to the fitting via a hose, and pump in whatever amount of fluid you removed (maybe 3 litres, in my case 7 litres). If you put in more than 3l, it will spill out when you remove the fitting, so do quickly and with a drain pan underneath. Once you have pumped in the required amount of clean ATF, you start the engine and run it for 3 minutes to let the fluid circulate. Don't run it longer and if possible check the fluid temp is under 40oC (Ecutek shows Auto Trans Fluid temp now, or you could use an infrared temp gun on the bottom of the pan). The manual stresses the bit about fluid temperature because it expands when hot an might result in an underfil. So from here, the factory manual says to do the "spill and fill" again, and I did. That is, put an oil pan under the drain plug and undo it with a 17mm spanner, then watch your expensive fluid fall back out again, you should get about 3 litres.  Then, put the drain plug back in, pump 3 litres back in through the fill plug with the fitting and pump, disconnect the fill fitting and replace the fill plug, start the car and run for another 3 minutes (making sure the temp is still under 40oC). The manual then asks for a 3rd "spill and fill" just like above. I also did that and so had put 13l in by now.  This time they want you to keep the engine running and run the transmission through R and D (I hope the wheels are still off the ground!) for a while, and allow the trans temp to get to 40oC, then engine off. Finally, back under the car and undo the fill plug to let the overfill drain out; it will stop running when fluid is at the top of the levelling tube. According to the factory, that is job done! Post that, I reconnected the fill fitting and pumped in an extra 0.5l. AMS says 1.5l overfill is safe, but I started with less to see how it goes, I will add another 1.0 litres later if I'm still not happy with the hot shifts.
    • OK, so regardless of whether you did Step 1 - Spill Step 2 - Trans pan removal Step 3 - TCM removal we are on to the clean and refill. First, have a good look at the oil pan. While you might see dirty oil and some carbony build up (I did), what you don't want to see is any metal particles on the magnets, or sparkles in the oil (thankfully not). Give it all a good clean, particularly the magnets, and put the new gasket on if you have one (or, just cross your fingers) Replacement of the Valve body (if you removed it) is the "reverse of assembly". Thread the electrical socket back up through the trans case, hold the valve body up and put in the bolts you removed, with the correct lengths in the correct locations Torque for the bolts in 8Nm only so I hope you have that torque wrench handy (it feels really loose). Plug the output speed sensor back in and clip the wiring into the 2 clips, replace the spring clip on the TCM socket and plug it back into the car loom. For the pan, the workshop manual states the following order: Again, the torque is 8Nm only.
    • One other thing to mention from my car before we reassemble and refill. Per that earlier diagram,   There should be 2x B length (40mm) and 6x C length (54mm). So I had incorrectly removed one extra bolt, which I assume was 40mm, but even so I have 4x B and 5x C.  Either, the factory made an assembly error (very unlikely), or someone had been in there before me. I vote for the latter because the TCM part number doesn't match my build date, I suspect the TCM was changed under warranty. This indeed led to much unbolting, rebolting, checking, measuring and swearing under the car.... In the end I left out 1x B bolt and put in a 54mm M6 bolt I already had to make sure it was all correct
    • A couple of notes about the TCM. Firstly, it is integrated into the valve body. If you need to replace the TCM for any reason you are following the procedure above The seppos say these fail all the time. I haven't seen or heard of one on here or locally, but that doesn't mean it can't happen. Finally, Ecutek are now offering tuning for the 7 speed TCM. It is basically like ECU tuning in that you have to buy a license for the computer, and then known parameters can be reset. This is all very new and at the moment they are focussing on more aggressive gear holding in sports or sports+ mode, 2 gear launches for drag racing etc. It doesn't seem to affect shift speed like you can on some transmissions. Importantly for me, by having controllable shift points you can now raise the shift point as well as the ECU rev limit, together allowing it to rev a little higher when that is useful. In manual mode, my car shifts up automatically regardless of what I do which is good (because I don't have to worry about it) but bad (because I can't choose to rev a little higher when convenient).  TCMs can only be tuned from late 2016 onwards, and mine is apparently not one of those although the car build date was August 2016 (presumably a batch of ADM cars were done together, so this will probably be the situation for most ADM cars). No idea about JDM cars, and I'm looking into importing a later model valve body I can swap in. This is the top of my TCM A couple of numbers but no part number. Amayama can't find my specific car but it does say the following for Asia-RHD (interestingly, all out of stock....): So it looks like programable TCM are probably post September 2018 for "Asia RHD". When I read my part number out from Ecutek it was 31705-75X6D which did not match Amayama for my build date (Aug-2016)
×
×
  • Create New...