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Looking For Car Insruance Help

KSmi

By KSmi,
in Victoria

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KSmi Newbie

KSmi

Posted
Posted

Hi!

I'm planning to buy a car within the year. I understand that I should also prioritise getting insurance to go with it. Did I get that right? Was also wondering if you have any tips/guidelines as to what I should and shouldn't get in a car insurance? Is there a specific insurance depending on the car I am going to get? How much should I expect if Skylines are involved?

Been on the hunt for car insurance and found this insurance directory, http://www.insuranceyellowpage.com/ . Haven't contacted them since I'd rather learn more info first from the consumers rather than the agents. Just want to make sure that I don't end up getting unnecessary stuff. :D

Thanks!

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KamikazeNinja34 Veteran

KamikazeNinja34

Posted
Posted

How old are you? If you're looking at performance Cars or even na skylines you really only have 2 - 3 options. Shannons will really only take over 25s but if you have an extremely clean record and are a paid member of a car club they might. Other options are RACV if they will take you... Just Car Insurance are touch and go with how good they are but they will cover pretty much anything for a price.

Either way much better to be covered in case say you hit a lamborghini...

JamesK Experienced

JamesK

Posted
Posted

Just putting this in there Just Car are DICKS, it might not be relevant but some late 30 year old woman was picking up her kid from school when she decided to cut in front of my on my motorcycle and have me run straight into her this was 6 months ago she's trying to dispute the claim and said I was trying "undertake" her which is BS cause it was a 2 lane road but just because the parked cars were taking up the left lane she assumed she could turn from the right. Which the on scene officer clearly pointed out (Which was quite funny really: "I thought it was 1 lane" "No it's two" "But the" "It's Two" "are you sure?" *silence*) ANYWAY your probably thinking how this relates to justcar well despite i have the POLICE REPORT saying its her fault and she obviously has paid the fine for it they are still trying to dispute it. Six months later my bike is still scratched, my leathers are scratched my helmets scratched just because those dicks wont admit fault. They keep telling my they wont take FULL responsibility but are willing to pay for some damages, I wish i could find the guy handling my case and show him what it feels like to get hit by a Land Cruiser on a motorcycle. That goes to say my car wont be re-insured with them again.

some_cs_student Veteran

some_cs_student

Posted
Posted

Not relevant for our cars, but I had a not-at fault claim with real insurance. The other driver attempted to dispute.

They said the other driver is wrong, paid out within 3 weeks and they'll sort out the other insurance company in there own time...

That said, I hate when other people deny liability when they clearly did something illegal. This guy was driving straight through a left turning lane overtaking traffic.

joeyjoejoejuniorshabadoo Grand Master

joeyjoejoejuniorshabadoo

Posted
Posted

hello, shannons, i had an accident...

no problem sir, do you have a workshop you would like to take it to?

it's already at micolour

no worries, mick does great work, was it your fault?

no, my car was parked at the time

ok, we'll take care of it from here, no need to pay excess, have a nice day.

shanusr33 Rising Star

shanusr33

Posted
Posted

^ ^ ^ exactly the same here! ^ ^ ^ word to word the same conversation and replies...

except my response was "no, my car was stopped at a set of lights and the truck behind me decided to go as he was watching the traffic elsewhere"

no problems, have a nice day

W0rp3D Grand Master

W0rp3D

Posted
Posted

Just putting this in there Just Car are DICKS, it might not be relevant but some late 30 year old woman was picking up her kid from school when she decided to cut in front of my on my motorcycle and have me run straight into her this was 6 months ago she's trying to dispute the claim and said I was trying "undertake" her which is BS cause it was a 2 lane road but just because the parked cars were taking up the left lane she assumed she could turn from the right. Which the on scene officer clearly pointed out (Which was quite funny really: "I thought it was 1 lane" "No it's two" "But the" "It's Two" "are you sure?" *silence*) ANYWAY your probably thinking how this relates to justcar well despite i have the POLICE REPORT saying its her fault and she obviously has paid the fine for it they are still trying to dispute it. Six months later my bike is still scratched, my leathers are scratched my helmets scratched just because those dicks wont admit fault. They keep telling my they wont take FULL responsibility but are willing to pay for some damages, I wish i could find the guy handling my case and show him what it feels like to get hit by a Land Cruiser on a motorcycle. That goes to say my car wont be re-insured with them again.

Is there an insurance ombudsman? if there is call them, when i had a problem with a telco i rang em, spent 5 minutes explaining the story they decided i was in the right, gave me a case number and a special number that got straight through to the telco and it was all sorted in minutes!

NickR33 Grand Master

NickR33

Posted
Posted

just buy a cheaper import worth only 6K or 7K... then just get 3rd party fire and theft... otherwise you'll be paying 1-2K a year to insure a car worth under 10K... no point IMO... drive carefully and make sure if you crash its not your fault and your sweet :thumbsup:

I had my GTSt for 6 years, only had full comp for the first year and after that just 3rd party... its a risk but I was doing motorsport which is even riskier and your never insured on a track

if your looking at getting a 30K GTR then yeah, get full comp

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