Jump to content
SAU Community

Recommended Posts

Hey guys,

I know I'll probably cop a few words from you lot, but I need some convincing about switching to full comp insurance lol.

I'm currently on 3rd party, fire & theft with Just Car paying $500 a year with a $2000 excess. But been thinking about switching to Shannons' full comp due to heaps of Skylines being stole lately lol.

Shannons quoted me $1670 a year with a $900 excess for full comp, which works out to $140 a month with a $20,000 agreed value..

Which one should I choose?.. >_<

Link to comment
https://www.sau.com.au/forums/topic/371752-need-some-convincing-lol/
Share on other sites

  • Replies 55
  • Created
  • Last Reply

Top Posters In This Topic

hey charles...i only had 3rd party on my GTT and it turned into a shit fight. and being in above average condition like mine was you will always feel like ur being ripped off if anything happened when u only have 3rd party and it has to go through someone elses insurance....since iv got the rx-7 i decided to go comprehensive this time, just makes you feel a lot safer when you drive it and leave it anywhere.

you've spent a fair bit of time and money on your car so id definatly go comprehensive and like you said skyline theft seems to be happening a lot. everytime i come on here there is another thread about someones skyline being stolen :down:

Man, I wouldn't even consider having less than comprehensive insurance. $700 a year for me :P

...... Who are you with?.. And how old are you? lol

hey charles...i only had 3rd party on my GTT and it turned into a shit fight. and being in above average condition like mine was you will always feel like ur being ripped off if anything happened when u only have 3rd party and it has to go through someone elses insurance....since iv got the rx-7 i decided to go comprehensive this time, just makes you feel a lot safer when you drive it and leave it anywhere.

you've spent a fair bit of time and money on your car so id definatly go comprehensive and like you said skyline theft seems to be happening a lot. everytime i come on here there is another thread about someones skyline being stolen :down:

Yeah.. Fair enough, I'm definitely leaning towards full comp lol. $20,000 is definitely better than $8000-9000 if it gets stolen or written off..

If you're under 25 full comp for ~$1600 is good, my first year with just car was $3000 second, $1900 third year at 21y/o was $1600 or $1900 with $1,000 excess which was pretty good considering my echo is $1000 full comp

Just Cars is your friend - use the adJUST function to bring down your excess = laughing.

Just pray you don't have an accident that's your fault :P

Fire and theft on a third party policy usually only covers you for $5k worth of damage.

I don't get it, you have 3rd party, fire and THEFT, and you want to change to full comp because of all the Skyline's being stolen?

Glad someone else spotted it Spose he means he will get more if is stolen and full comp insuro.

what is your THEFT pay out figure right now

its usually the simple question

would you walk around with 20k in back pocket and "hope" no one takes it

and if they do take it, would you care?

a) YES - get full comp

b) NO - stay as is

i know i'd be pissed if i had my car stolen and only 3rd party

insurance is there for a good reason

most of the people who put "stole car look out for" threads and REALLY REALLY want their car back

are people without full comp insurance

if you have full comp insurance and its flogged who cares

as long as the payout is reasonable away you go

full comp also helps you if someone rams you and drives off

or its unclear who is at fault, instead of being stuck with 10k bill you can get your car fixed

$50 a week for N/A four door? Fuck me.

Hey Moh...I've got a history of smashing cars, insurance claims and losing my licence...I'm on $900 a year full comp for a turbo coupe.

umad?

Just to clear things up...

Yes, I've got 3rd party fire & theft, but that's with Just Car and they ONLY cover up to $10,000 market value PLUS you gotta pay excess... Which means if my car gets stolen, and if they are kind enough to pay me the full $10,000, I'll end up walking away with like $8,000 or something after excess..

Where as, with Shannons, $20,000 agree value with NO theft excess..

Just Car is shit... I just got an online quote from them, $2,000 premium with $1850 excess for market value, THEN I adjusted the adJUST crap, made my excess to like $3,000, and even then, my premium woulda been $1,400 lol...

This is going to suck for me when I get a skyline. I'm only 19 and I've never had a car in my name -.- lol. I guess you've got to pay to play, though. The peace of mind would be great for me, as I plan on using the car as a daily so the chances of it getting pranged/pinched are higher than your weekend cruiser.

$50 a week for N/A four door? f**k me.

Hey Moh...I've got a history of smashing cars, insurance claims and losing my licence...I'm on $900 a year full comp for a turbo coupe.

Are you positively annoyed friend?

i mad.

$50 a week for N/A four door? Fuck me.

Hey Moh...I've got a history of smashing cars, insurance claims and losing my licence...I'm on $900 a year full comp for a turbo coupe.

umad?

yeah, im jelly.. who u with?

If you think you're gonna get your car stolen, get full comp...

I'll be getting 3rd party for my next car though. + wheelclamp + clublock + loose wheel nuts..

this idea, concept and your countermeasures are flawed

forget countermeasures, forget if you "think"

its a simple case of

at some point in time, regardless of why/how/when/where/who/what

your car will be stolen or written off or mangled by someone else

the key question is can you afford to loose the market value of your car - ie lets say 18k

if yes, then no need for insurance or 3rd party

if no, then get full comp

forget the other crap its flawed and youll only end up pissed off when something happens

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

    • Thanks for doing that Duncan! Makes you a good person in my books. We don't get kangaroos or wombats here. But we have bats and it's similar. AFAIK it's often the mums with a baby attached that get hit because they drop lower when starting from a tree. If you hit an animal, check on it. https://www.ifaw.org/au/resources/wildlife-rescue-app An app to get the closest wildlife rescue contact.
    • My dream is also to have a proper hoist, but I don't think it will ever happen. My quickjack is probably as close as I'll ever get, it really is very good though. 
    • Yeah we keep on in the dailies, it is pretty poor how many animals get hit and the driver leaves without checking....have saved a couple of little ones over the years. Bit of a gruesome job though, pouches generally need to be cut open because they are so tight and often the joey doesn't realise mum is gone so they are still locked onto the teat. I checked the modules in front of the DS wheel where an oil cooler should go.... There is the radar unit - that can go for race use) One of the 2 HX water pumps, the silver cylinder. That needs to be kept but might be able to be relocated But the bad news, the big computer mounted vertically in front of the wheel (blocking any potential air exit) is the electric steering computer. That is required until/unless i do a hydraulic steering conversion, and in CAD based modern car design it is not like I can just pop a big unit like that somewhere else (plus the loom would be too short anywhere else too). So, the passenger side is OK to clear out (just use a smaller washer reservoir, potentially elsewhere), but the DS no beuno
    • Well, all the best with the new camry It was interesting to hear about the UK process, it is generally a lot more streamlined here with a shipping agent looking after all the import side (noting the exact final price can still be a surprise.....) and I've used a few different brokers on the japan (or US) side, and never had any trouble with any of them....luck of the draw I guess. You mentioned you didn't get the auction sheet (understandable since you bought it from a dealer, not auction), but I always try and get hold of that because they are pretty thorough. I've imported 2x R grade vehicles over the years and both were fine, repairs in Japan are pretty thorough compared to here in Oz.
    • BTW I measured the jack I have, it is 70mm at the saddle but you only have about 700 until it returns to 150mm high at the cylinder so it is good but no magic bullet.
×
×
  • Create New...