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Insurance And P Plates

dezz

By dezz,
in Victoria

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GTR_NUTZ Collaborator

GTR_NUTZ

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GTR NUTZ: please dont tell me you are driving around, in a GTR no less, with absolutely no insurance....

Im not too proud of it, but yes... its only a sunday car right now... that is untill get insurance and 300+KW at all four.

At the moment im mixing around with my parents "spare" car and the GTR.

dezz Grand Master

dezz

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Im not too proud of it, but yes... its only a sunday car right now... that is untill get insurance and 300+KW at all four.

At the moment im mixing around with my parents "spare" car and the GTR.

i hope for your sake that you dont hit a ferrari/mercedes etc....you're finished if you do, sunday car or not.

or that you have a ridiculous amount of money that you can happily give to the person you hit to pay for their car

dezz Grand Master

dezz

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Its a very grey area this one. I have heard of many stories where insurance companies have failed to pay out claims or reduce the amount they pay because the vehicle was over the power to weight ratio.

But on the other hand if you read the insurance fine print it will tell you that the car MUST be in road worthy condition and I dont think every skyline on the road is roadworthy. By saying that i mean some of us have cars that are too low or modified beyond the Australian Design Requirements. So therefore you wouldnt be covered to the full extent of your policy if they investigated right into it. Insurance companies have still payed the claim in several of these cases before and the still have the legal right not to.

I drove a 250rwkw R33 when i was on my P Plates and I was insured. I know alot of other P Plate drivers do the same, but I think you should be pretty sweet.

The main thing you have to worry about is making sure you tell your insurance company about EVERY single modification you do to the car. My mates car got stolen and the insurance claim didnt get paid because he didnt tell them about the 19inch wheels he had on his car because he thought he would try and save some money by not having to pay as much for his insurance policy. The insurance companies response was that the 19inch wheels made the car more attractive to theives and thats why they stole the car. Right or wrong the can legally back out of the Insurance Policy.

if the car was stolen, and never recovered, why the hell did he tell them it had 19's on it? if he didnt want to put them on his policy, he obviously didnt expect that he get more money in the event of a pay out to compensate for the wheels...

so if the car was gone, the only way the insurance company would know about the wheels is if he told them....what an odd thing to do

dezz Grand Master

dezz

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i think his plan was for the car never to be stolen or damaged :rofl:

obviously. but he said the wheels weren't listed on the policy, therefore how the hell did the insurance company know about the wheels if it was stolen and not recovered

Edited by madwob
dezz Grand Master

dezz

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dunno.. but im sure when he told the police it was missing he told them it had 19's.

well there you go...ya lie to the insurance company to save maybe a couple hundred dollars, and it costs you $15-20k.

HeathGTST Community Regular

HeathGTST

Posted
Posted

Because the car was found 2 days later torched and it still had what remained of the wheels left on the car. The wreck was towed to the insurance holding yard and the car evaluated and it was then found that the car had been fitted with items not listed on the insurance policy

dezz Grand Master

dezz

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Because the car was found 2 days later torched and it still had what remained of the wheels left on the car. The wreck was towed to the insurance holding yard and the car evaluated and it was then found that the car had been fitted with items not listed on the insurance policy

its not your mates fault the crims decided to slap a set of 19's on it before they burnt it....lol

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