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Vic Wasteland Thread - 15.0

R31Nismoid

By R31Nismoid,
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Leroy Peterson Grand Master

Leroy Peterson

Posted
Posted

Facebook does my head in 80% of the time, though it does provide the occasional solid entertainment.

https://simplecapacity.com/2017/04/shocking-evidence-of-intelligent-civilizations-living-on-earth-over-100000-years-ago/

"If we are eternal, pure, positive energy how can we possibly believe all the crap we've been spoon fed from the bible to text books in school?"

Website called Simple Capacity... I wonder if that's a subtle dig at their readers.

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This is where the cost of a Tax accountant that knows what they are doing outweighs the costs   FYI $300/h

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this has been covered many times before on this forum, please use the search function.

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tokyo is so f**king cool.

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admS15 Grand Master

admS15

Posted
Posted
On 19/04/2017 at 0:26 PM, Birds said:

Yes all my legal mods were listed with JC just for disclosure. Not listed on the AAMI replacement policy, but I haven't had a chance to amend it. There is a line on there about fitted options/accessories/modifications being included in the amount you're covered for, which is only 10k anyway, so it's probably less relevant to third party than comprehensive where you could claim extra for mods. Unless you're concerned about disclosure and being denied a TPF&T claim because of modifications not mentioned.

So, continuing on from the discussion we had a couple of weeks ago about the roll cage and disclosure. I recently renewed my policy for the stagea and in the paperwork received i found this part about modifications

 

Accessories and modifications

AAMI Fire, Theft & Third Party Property Damage Car Insurance automatically includes cover for accessories and modifications that have been fitted to your car up to the amount covered, with the exception of the accessories and modifications listed below.

  • Custom Paint
  • Nitro or Hydrogen Fuel
  • Petrol Turbo or Supercharger (both when fitted after market)
  • Roll Bar / Roll Cage / Racing Harness

 

 

After reading that,  I take it as: we'll happily cover you but wont pay you out for your cage, paint, turbo etc.

 

Im quite happy to roll the dice and insure my gtst with them if they offer me a policy like they did with the stag. If they dont ask about any new mods i wont tell. If my car was to be stolen, id be quite happy with 10k. 

 

Judging by the last couple of pages, i've got bigger things to worry about since old mate Pettet is back in action. What a lowlife scumbag kent. I'll be avoiding Knox and surrounding areas like the plague. Lol.

Odium Grand Master

Odium

Posted
Posted

Just called Famous, activated my new policy with them... Literally 5 minutes on the phone.
$845 for $30k agreed, $650 excess

The cover note so I could drive it home was with RACV for $1,802.79 :4_joy: for $30k agreed, $750 excess... They even tried to show how much I was saving for being Rating 1, "$2,833.45 has already been deducted from your premium"

Called up RACV to cancel the policy afterwards and the girl was like "We can be pretty flexible on price to meet a competitor."... "You're about $1000 more expensive"... "Ok, we're not that flexible :| "

  • Like 3
Birds Grand Master

Birds

Posted
Posted
4 minutes ago, admS15 said:

So, continuing on from the discussion we had a couple of weeks ago about the roll cage and disclosure. I recently renewed my policy for the stagea and in the paperwork received i found this part about modifications

 

Accessories and modifications

AAMI Fire, Theft & Third Party Property Damage Car Insurance automatically includes cover for accessories and modifications that have been fitted to your car up to the amount covered, with the exception of the accessories and modifications listed below.

  • Custom Paint
  • Nitro or Hydrogen Fuel
  • Petrol Turbo or Supercharger (both when fitted after market)
  • Roll Bar / Roll Cage / Racing Harness

 

 

After reading that,  I take it as: we'll happily cover you but wont pay you out for your cage, paint, turbo etc.

 

Im quite happy to roll the dice and insure my gtst with them if they offer me a policy like they did with the stag. If they dont ask about any new mods i wont tell. If my car was to be stolen, id be quite happy with 10k. 

 

Judging by the last couple of pages, i've got bigger things to worry about since old mate Pettet is back in action. What a lowlife scumbag kent. I'll be avoiding Knox and surrounding areas like the plague. Lol.

Yes this is the way I read it too. They won't deny your claim over it, but they won't cover those modifications. If they do try to deny it and you have to take them you VCAT you could reasonably argue the wording of the PDS does not state such modifications will exempt you from cover.

People often worry about insurance companies slipping out of paying a claim because of loopholes they may find, but whilst this would save the company some money short term, it makes a very bad name for them when it comes to recruiting new customers and isn't worth it even over 10k worth of car. Much easier to just increase premiums proportionately which is how insurance operates profitably. Unless they can reasonably demonstrate that a modification played a part in the accident (e.g. wheel spacers caused a wheel to fall off) then they will have to cover you and if not, it would be a pretty easy case to win at VCAT. Disclosure is all about minimising risk for yourself in the event they do kick up a fuss.

On a third party policy it's even less important, as most of the time they don't view your vehicle, only the property that is covered, i.e. someone else's. When it comes to theft well, chances are your car will be burnt out or not recovered and if it is all they are going to care about is that you had an inmobiliser fitted (some insurance companies require this and this CAN give them a reason to knock back the claim, much like handing someone your keys). Basically, ensure you're in line with the PDS and you're good.

Birds Grand Master

Birds

Posted
Posted
6 minutes ago, Odium said:

Just called Famous, activated my new policy with them... Literally 5 minutes on the phone.
$845 for $30k agreed, $650 excess

The cover note so I could drive it home was with RACV for $1,802.79 :4_joy: for $30k agreed, $750 excess... They even tried to show how much I was saving for being Rating 1, "$2,833.45 has already been deducted from your premium"

Called up RACV to cancel the policy afterwards and the girl was like "We can be pretty flexible on price to meet a competitor."... "You're about $1000 more expensive"... "Ok, we're not that flexible :| "

That's great but I'm still not going to ask you what car you bought...

  • Like 1
admS15 Grand Master

admS15

Posted
Posted
2 minutes ago, Birds said:

Yes this is the way I read it too. They won't deny your claim over it, but they won't cover those modifications. If they do try to deny it and you have to take them you VCAT you could reasonably argue the wording of the PDS does not state such modifications will exempt you from cover.

People often worry about insurance companies slipping out of paying a claim because of loopholes they may find, but whilst this would save the company some money short term, it makes a very bad name for them when it comes to recruiting new customers and isn't worth it even over 10k worth of car. Much easier to just increase premiums proportionately which is how insurance operates profitably. Unless they can reasonably demonstrate that a modification played a part in the accident (e.g. wheel spacers caused a wheel to fall off) then they will have to cover you and if not, it would be a pretty easy case to win at VCAT. Disclosure is all about minimising risk for yourself in the event they do kick up a fuss.

On a third party policy it's even less important, as most of the time they don't view your vehicle, only the property that is covered, i.e. someone else's. When it comes to theft well, chances are your car will be burnt out or not recovered and if it is all they are going to care about is that you had an inmobiliser fitted (some insurance companies require this and this CAN give them a reason to knock back the claim, much like handing someone your keys). Basically, ensure you're in line with the PDS and you're good.

My thoughts exactly. If they try to wiggle out of a payout, i'll be like but Birds from the internet said you'll cover me.

  • Like 5
Birds Grand Master

Birds

Posted
Posted
44 minutes ago, admS15 said:

My thoughts exactly. If they try to wiggle out of a payout, i'll be like but Birds from the internet said you'll cover me.

You can usually end this sentence at Birds and the matter will be resolved

  • Like 1
UNR33L Grand Master

UNR33L

Posted
Posted (edited)

as if he didn't consult me before buying :'( slowly converting vwl. I can't believe I've owned mine for 5 and a half years already :O 

too bad everything else <50k is shit and not an upgrade 

inb4 buy a kia 

Edited by UNR33L
Birds Grand Master

Birds

Posted
Posted
15 minutes ago, UNR33L said:

as if he didn't consult me before buying :'( slowly converting vwl. I can't believe I've owned mine for 5 and a half years already :O 

too bad everything else <50k is shit and not an upgrade 

inb4 buy a kia 

Buy a 33R

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