Jump to content
SAU Community

Recommended Posts

But if you're convicted of a criminal offense (ie. DUI, ignoring sirens, driving while in commission of a crime), the insurance company will not pay up.

Yeah, that's what I figured.

So all these threads and people saying "HAHA! You're insurance company isn't going to pay out because you're an idiot" are wrong. I mean..... That's what insurance is for isn't it...

For those "Oh look I'm an idiot" moments :Bang:

  • Replies 50
  • Created
  • Last Reply

Top Posters In This Topic

Just a question...

I keep hearing people saying this when threads like this pop up... But why would insurance invalidate his insurance? Surely speeding on the roads and losing control of the car is the cause of many many accidents? Even if he was "street racing" or whatever, surely his insurance would still hold true?

I thought the only reason your insurance could be rendered null & void is if you were under the influence of drugs or alcohol? dunno.gif

Many insurance companies have clauses where they can decline claims, or void your insurance from inception( as though your policy never existed). If you read the ozhonda forum, you would notice the driver was charged with neg driving, which is more than enough to void his insurance

You can be charged with neg driving if you rear end someone and your car is undrivable as a result. Does this mean if you ran up the back of someone there is a chance that your insurance could be rendered as void? Doesnt sound right to me

You can be charged with neg driving if you rear end someone and your car is undrivable as a result. Does this mean if you ran up the back of someone there is a chance that your insurance could be rendered as void? Doesnt sound right to me

May I bring your attention to part of our policy wording:

GENERAL EXCLUSIONS

This policy does not cover:

3. loss, damage or liability and/or compensation for damage caused whilst any motor vehicle is being driven by or is in charge of any person;

(d ) who is charged with driving in an unlawful manner, resulting in loss or damage to the Insured Vehicle/s or any Third Party property.

AS you can see negligent driving can fall under this category. It all comes down to the situation-people bump into each other all the time. However, 90% of our claims result from similar scenarios to the GTR, hence the reason we pay out so much in claims, which is also the reason why your premiums are so high. If we decline people that obviously don't take care of their vehicles, or as some of you put it, 'drive like a tool' we can reduce our payouts, therefor reducing your premiums.

Odd.  I have had 2 claims paid when I was charged with Neg Driving over the years.  Total claims >$50k

Exactly... I've never heard of anyone having their claim rejected because of any reason other than DUI.

Going on what famous said though, I wonder if there was a market for really cheap insurance that will DEFINITELY NOT pay out if you are involved in an accident and the police report deems you to have broken ANY road rules?

That would reduce $3000 premiums to something more like $500? Hmmmmmmmm....

Exactly... I've never heard of anyone having their claim rejected because of any reason other than DUI.

Going on what famous said though, I wonder if there was a market for really cheap insurance that will DEFINITELY NOT pay out if you are involved in an accident and the police report deems you to have broken ANY road rules?  

That would reduce $3000 premiums to something more like $500? Hmmmmmmmm....

I imagine that they are required to cover certain accidents by legislation, so they may not have a choice.

LW.

I imagine that they are required to cover certain accidents by legislation, so they may not have a choice.

Lucien is on the money.

Rather our insurance council operates in similar ways to the RBA... your underwriting company must have sufficent liquidity and re-insurance to cover liabilities.

Also insurance policies have to cover in many eventualities that may not be coverable if it were up to the insurance company itself.

I know the company I used to work for had to cover huge liabilities because that's what the police record showed - not what happening in reality. And there's no appeal to this process because you're dealing with peoples' livelihoods here.

On a practical side. How does one acertain that someone was doing 75 in a 60 zone and that was what caused the accident? There are too many variables so much so that one cannot be absolutely certain what speed the accident happened at.

Also how would you feel is you were in an accident caused by simple mistakes but you were denied coverage?

I make mistakes. Insurance isn't for people who don't make mistakes!

The only 'new' market in insurance is that Budget Direct mob who will only insure if you're a 35y.o. female on the North Shore driving a Camry with a virgin record.

T.

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

    • Yeah well per the video it took 15s for the stock unit to start up....even if I give it a few seconds discount for starting that is at least 12 sec before you get a reverse camera if you are trying to leave a park.  The android unit is way faster, but 2016 for the stock unit is a long time ago in consumer electronics
    • Yea that’s why I said ima test them with multimeter and see the reads.
    • Only at idle. Isn’t a problem when rev it seems.
    • @Haggerty This seems silly to ask, but are you confident in your ability to tune the Haltech?  
    • Next on the to-do list was an oil and filter change. Nothing exciting to add here except the oil filter is in a really stupid place (facing the engine mount/subframe/steering rack). GReddy do a relocation kit which puts it towards the gearbox, I would have preferred towards the front but there's obviously a lot more stuff there. Something I'll have to look at for the next service perhaps. First time using Valvoline oil, although I can't see it being any different to most other brands Nice... The oil filter location... At least the subframe wont rust any time soon I picked up a genuine fuel filter, this is part of the fuel pump assembly inside the fuel tank. Access can be found underneath the rear seat, you'll see this triangular cover Remove the 3x plastic 10mm nuts and lift the cover up, pushing the rubber grommet through The yellow fuel line clips push out in opposite directions, remove these completely. The two moulded fuel lines can now pull upwards to disconnect, along with the wire electrical plug. There's 8x 8mm bolts that secure the black retaining ring. The fuel pump assembly is now ready to lift out. Be mindful of the fuel hose on the side, the hose clamp on mine was catching the hose preventing it from lifting up The fuel pump/filter has an upper and lower section held on by 4 pressure clips. These did take a little bit of force, it sounded like the plastic tabs were going to break but they didn't (don't worry!) The lower section helps mount the fuel pump, there's a circular rubber gasket/grommet/seal thing on the bottom where the sock is. Undo the hose clip on the short fuel hose on the side to disconnect it from the 3 way distribution pipe to be able to lift the upper half away. Don't forget to unplug the fuel pump too! There's a few rubber O rings that will need transferring to the new filter housing, I show these in the video at the bottom of this write up. Reassembly is the reverse Here's a photo of the new filter installed, you'll be able to see where the tabs are more clearing against the yellow OEM plastic Once the assembly is re-installed, I turned the engine over a few times to help build up fuel pressure. I did panic when the car stopped turning over but I could hear the fuel pump making a noise. It eventually started and has been fine since. Found my 'lucky' coin underneath the rear seat too The Youtube video can be seen here: https://www.youtube.com/watch?v=uLJ65pmQt44&t=6s
×
×
  • Create New...