Jump to content
SAU Community

URGENT! Need INSURANCE Help!!

reignman82
 Share

Recommended Posts

reignman82 Apprentice

reignman82

Posted
Posted

Ok I realise there are heaps of threads on insurance but I couldn't find the answers I'm looking for and as time runs out I'm getting more and more desperate.

I've found the (affordable) car of my dreams. R33 GTR V-Spec. Stock standard. The usual problem is insurance. I've tried everyone from famous to just cars to shannons to metway to etc etc etc. The quotes are all around near the 4k mark and simply out of my budget.

So I've decided to try the old trick of insuring the car in my dad's name and being listed as a nominated driver. All the insurers I've talked to are willing to do that, however they still base the quote on the youngest driver a.k.a. me.

I'm 22, 5 years driving experience with no accidents and the usual few 10km/h over the limit speeding fines. The problem is for the 5 years I've been driving I'm been a listed driver on my parent's policy so I don't even think I have any NCB to speak of. Hence the pain of insuring the GTR in my name.

The question is - is there any insurer out there at all that will insure it in my dads name and for a small (emphasis on the word small) fee will include me as a listed driver on the policy.

Somebody please help and asap! .. cause there's been alot of interest in the car I'm after.. and it will probably get sold soon.. and I can't purchase it without insurance.

Thanks heaps all you skyline freaks!

Link to comment
https://www.sau.com.au/forums/topic/47210-urgent-need-insurance-help/
Share on other sites
raz0r$harP.UK Grand Master

raz0r$harP.UK

Posted
Posted

If you've been named as a listed driver on your dad's policy insurers should recognise you as having built up some no claim bonus. Talk to the insurer the policy was with, get them to issue you a certificate saying you have been listed on their books for XX years and your NCB is whatever.

All insurers that I'm aware of will base the premium on the worst risk ie you because of your age. Go see Just Cars or Famous.

reignman82 Apprentice

reignman82

Posted
  • Author
Posted

guys

thanks to everyone who has replied and is trying to help me..

BUT

I need someone to tell me where i can insure it in my dad's name and be listed.. if such a place exists..

even though just cars and famous are the best out there.. 3.5k is still looking too scary =(

reignman82 Apprentice

reignman82

Posted
  • Author
Posted

well ive saved up for it. i just cant afford 3.5k a year insurance.. im working full time but doing my masters part time.. higher education isnt cheap.. plus i'm in the process of buying a house.. that isnt cheap either =( i'm assuming fuel and servicing the old godzilla isnt gonna be easy on the wallet either.. BUT you only live once.. so you gotta live hard..

heeeellllppppppppp

CerealKiller Veteran

CerealKiller

Posted
Posted
If you've been named as a listed driver on your dad's policy insurers should recognise you as having built up some no claim bonus. Talk to the insurer the policy was with, get them to issue you a certificate saying you have been listed on their books for XX years and your NCB is whatever.

All insurers that I'm aware of will base the premium on the worst risk ie you because of your age. Go see Just Cars or Famous.

wrong. I told this to famous and they rejected that and said that you need to have a policy in your name (not the go with dad and be nominated trick). I was pissed off with them but they were still cheaper than all the others. But next year I'll probably be going 3rd party only.

reignman82 - if you can't afford it then look at something else.

wados Mentor

wados

Posted
Posted

try a company called young and cool, i was like you i didnt have a rating only a secondary rating 3 ( which means you where on someone elses policy as a secondary driver) this was last year and now this year i have a full rating to and now im off to just cars cause they are $200 cheaper then young and cool

raz0r$harP.UK Grand Master

raz0r$harP.UK

Posted
Posted

Cerealkiller - I'm not actually with Famous. That is however, how I approached getting insurance for my car. The insurer I went with did not have any problems as I was a listed driver on the previous policy (hence the premium being paid reflected my risk profile).

calvintys Experienced

calvintys

Posted
Posted

OK ... here is how i get my Rating 2.

I have NO INSURANCE before until my R33 GTR not even my R34.

So here is the trick

I bought a sh?T car only cost me 1K( use it for work and Uni) and i get a full complehensive insurance by RACV, because of my driving history they gave me rating 2.

Then got my GTR, call up just car. "Yes i have insurance with RAVC and i was Rating 2 with them". Bingo here is my rating 2 for my R. cost me $2300

benjiman74 Collaborator

benjiman74

Posted
Posted
well ive saved up for it. i just cant afford 3.5k a year insurance.. im working full time but doing my masters part time.. higher education isnt cheap.. plus i'm in the process of buying a house.. that isnt cheap either =( i'm assuming fuel and servicing the old godzilla isnt gonna be easy on the wallet either.. BUT you only live once.. so you gotta live hard..

heeeellllppppppppp

Mate it shouldn't be 3.5k next year as your rating will drop if you don't make a claim. As they are not taking your previous driving history into account I'm assuming that quote is based on rating 6 so next year with rating 5 you will receive 20% off - $2,800. After this first reduction each rating reduces your premium by 10%. You may have saved some bucks by insuring under your fathers name in the past but as you are finding out you have to build a rating at some stage. Probably would have been easier and cheaper on your previous car but no-one thinks that at the time. If you want the car you will have to bite the bullet but listen to 666dan's advice. Enjoy the R and good luck.

Yotis Experienced

Yotis

Posted
Posted

Dude.. Did you ask Just Cars which rating they base your premium on? I have to say if you cannot afford the insurance in the proper way.. mayb its an indication that you should look at another car at a shorter term?

When I was trying to insure a 34 GTT famous quoted a pretty expensive full comp. for me, but Just Car's premium was reasonable. I am 24 with no traffic history at all, so I guess your quoted premium is reasonable considering the performance car you are trying to insure.

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
 Share
Go to topic listing


  • Similar Content

  • Latest Posts

    • ToothDR32
      $5 Clock upgrade for R32 GTR

      By ToothDR32 · Posted

      Hello, sorry for being late to join the discussion, but my clock just died on me.   Ive tried to look at Michaels digital clock repair.docx and it doesnt work maybe the file has expired.   Please let me know if you can re upload it or take some youtube videos to show us how to get the clock installed? thanks
    • MissMintyR33
      R33 persistent issues. P/steering and lag/misfire

      By MissMintyR33 · Posted

      I thought that might be the case, thats what I'll start saving for. Thanks for the info 
    • jtha7
      Strange issue RB25DET wont start

      By jtha7 · Posted

      Ps i found the below forum and it seems to be the same scenario Im dealing with. Going to check my ECU coolant temp wire tomorrow    From NICOclub forum: s1 RB25det flooding at start up Thu Apr 11, 2013 7:23 am I am completely lost on this. Car ran perfectly fine when I parked it at the end of the year. I took the engine out and painted the engine bay, and put a fuel cell with an inline walbro 255 instead of the in tank unit I had last year. After reinstalling everything, the engine floods when the fuel pump primes. if i pull the fuel pump fuse it'll start, and as soon as I put the fuse back in it starts running ridiculously rich. I checked the tps voltage, and its fine. Cleaned the maf as it had some dust from sitting on a shelf all winter, fuel pressure is correct while running, but wont fire until there is less than 5psi in the lines. The fuel lines are run correctly. I have found a few threads with the same problem but no actual explanation of what fixed it, the threads just ended. Any help would be appreciated. Rb25det s1 walbro255 fuel pump nismo fpr holset hx35 turbo fmic 3" exhaust freddy intake manifold q45tb q45 maf   Re: s1 RB25det flooding at start up Fri Apr 12, 2013 5:07 am No, I didn't. I found the problem though. There was a break in one of the ecu coolant temp sensor wires. Once it was repaired it fired right up with no problems. I would have never thought a non working coolant temp sensor would have caused such an issue.
    • jtha7
      Strange issue RB25DET wont start

      By jtha7 · Posted

      Hi sorry late reply I didnt get a chance to take any pics (my mechanics on the other side of the city) but the plugs were fouled from being too rich. I noticed the MAF wasn't genuine, so I replaced it with a genuine green label unit. I also swapped in a different ignitor, but the issue remains. I've narrowed it down a bit now: - If I unplug and reconnect the fuel lines and install fresh spark plugs, the car starts right up and runs perfectly. Took it around the block with no issues - As soon as I shut it off and try to restart, it won't start again - Fuel pressure while cranking is steady around 40 psi, injectors have good spray, return line is clear, and the FPR vacuum is working. It just seems like it's getting flooded after the first start I unplugged coolant sensors to see if its related to ECU flooding but that didnt make a difference. Im thinking its related to this because this issue only started happening after fixing coolant leaks and replacing the bottom part of the stock manifolds coolant pipe. My mechanic took off the inlet to get to get to do these repairs. My mechanics actually just an old mate who's retired now so ill be taking it to a different mechanic who i know has exp with RBs to see if they find anything. If you have any ideas please send em lll give it a try. Ive tried other things like swapping the injectors, fuel rail, different fuel pressure regs, different ignitor, spark plugs, comp test and MAF but the same issue persists.
    • GTSBoy
      Freddy Plenum vs Genuine options RB25

      By GTSBoy · Posted

      My return flow is custom and puts the return behind the reo, instead of at the bottom. All my core is in the air flow, rather than losing some of it up behind the reo. I realise that the core really acts more as a spiky heatsink than as a constant rate heat exchanger, and that therefore size is important.... but mine fits everything I needed and wanted without having to cut anything, and that's worth something too. And there won't be a hot patch of core up behind the reo after every hit, releasing heat back into the intake air.
×
×
  • Create New...