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What insurance do you have?

Duncan

By Duncan,
in General Automotive Discussion

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siksII Grand Master

siksII

Posted
Posted

Kel, i totally agree, and dont drive anything that is not covered with third party, thats fair enough, because third party is cheap anyway! worst case is around 700 bucks so u cant go wrong for the amount it covers ie if u smash into a 300 grand car, or say Duncan's 350zed :P

its just comprehensive that i have second thoughts about.

Sorry to hear about it btw. i would be annoyed since its a new unsmashed car until now!

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gts4 Rising Star

gts4

Posted
Posted

Sorry about the Z

Full Comp is the way to go, I was parked in the city on Friday and a woman decided she couldnt see a grey Skyline. She is not insured and so i just claimed through my insurance and let them chase the money out of her.

I would rather pay $1 or 2k a year than 2k up if i smash.

lwells Grand Master

lwells

Posted
Posted
Kel, i totally agree, and dont drive anything that is not covered with third party, thats fair enough, because third party is cheap anyway! worst case is around 700 bucks so u cant go wrong for the amount it covers ie if u smash into a 300 grand car, or say Duncan's 350zed :(  

its just comprehensive that i have second thoughts about.

Sorry to hear about it btw. i would be annoyed since its a new unsmashed car until now!

Depending on which state you are in and which policy you have, third party won't save you in an at fault crash if you crash into something expensive as it doesn't cover third party property damage (or if it does, it is capped at something very low), it only covers damage to the other (injured) party (ie. damage to their person).

LW.

Duncan Grand Master

Duncan

Posted
  • Author
Posted

meh we broke a drive shaft in the datto yesterday, thanks to the magic of a welded diff at least it still moves.

BTW there are 2 types of "third party" insurance.

The compulsary Third Party you get with rego covers *you* for nothing, it provides some cover anyone you injure

Third Party Insurance covers any car or property you damage in an accident. IMHO this is the minimum everyone should have. Some policies also cover your own car for up to $5k if it is stolen or burned out.

Beer Baron Grand Master

Beer Baron

Posted
Posted

Oops. Dincan, I stuffed your pole mate... sorry. I voted in the No, I won't crash section but should have gone with "yes I pay through the nose for insurance" section. Can't change my vote either :)

Very sorry to hear about the Z. Never would have happend in a skyline though...

Richard

Duncan Grand Master

Duncan

Posted
  • Author
Posted
Very sorry to hear about the Z. Never would have happend in a skyline though

correct, the skyline would have been thru a couple of minutes earlier :P

tbeffect, you are dead right, insurance is a gamble stacked against you, the insurance companies make their profit somewhere.

but...like a lot of gambles, its not just the chance of losing, its whether you can afford to lose no matter how small the chance....

arm85 Community Regular

arm85

Posted
Posted

Yep full comp for me!! At 19 and going from a 1600cc 1976 Chrysler Lancer to my GTSt, i figure there is a chance (although i am sensible and IMO a good driver) that i will have an accident.

Good thing is though having always had insurance in my name (3rd Party) from when i first bought my car when i was 16 i had 30% NCB, combine that with living in the country the cost for me is a relatively low $2600

Plus too many old country blokes in hats driving expensive volvo's likely to get in my way!!

  • 3 months later...
oor33sky_ Rising Star

oor33sky_

Posted
Posted

Fully comprehensive all the way!

It is not worth the risk, especially since i only pay just under $100 each month through Shannons.

Was with Just Cars, but they would no longer insure me fully comp. with my new paint job (althought they were fine with all the engine mods) so they got the flick.

race_snooze Grand Master

race_snooze

Posted
Posted

I was paying $2,4 a year with shannons until I had prang, they then jumpped it up to 3,5 so spat the dummy and told them where to put there insurance. Then went with classic I think, and now I pay like 1,7.

Gts-t Grand Master

Gts-t

Posted
Posted
Fully comprehensive all the way!

It is not worth the risk, especially since i only pay just under $100 each month throught Shannons.

Was with Just Cars, but they would no longer insure me fully comp. with my new paint job (althought they were fine with all the engine mods) so they got the flick.

What sort of paint job do you have? does it change color? and how old are you 100 a month is pretty cheap :(

thanks

oor33sky_ Rising Star

oor33sky_

Posted
Posted
What sort of paint job do you have? does it change color? and how old are you 100 a month is pretty cheap :cheers:

thanks

it is a chamelion colour - standox, similar 2 ppg harlequin

it's an 8000km/year policy & i am 26 btw

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