MSTRshenanigans

Who is buying it? I'm keen as mustard to get online for some more AVP shenanigans... found it for $79 on CDWOW .... heaps better than the EB price of $140

Your other option is buy an unlocking sim card which, as the name suggests, unlocks you from your provider.... www.dealextreme.com sells some for certain model mobiles.

+1 for rapidshare account... allows me to DL anything off projectw =P

2 kids walk up to my car and one tells me "Nice car Mr" The other says, "Is your Subaru fast" (gotta love the S on the nose) I lol'd and corrected them

QFT

If your weight is around 200-300kgs it might!~

Since when have you ever signed anything to get insurance? LOL. If you are going to argue the point and not go read the Financial Trades Act please stop right now. This is true, however, I want the truth known. I'm not getting stirred up. I'm just posting the same way I would put a misbehaving customer in their place. They legally can't sell you the product. The rule as per financial Ombudsman is that they customer doesn't need to know anything, the insurer must do the right thing and ask ALL questions, if they missed one its their fault not the customer. (only example of this that is not the case is if you neglect to mention you got done for fraud) REMEMBER:

All I am saying is its ok to have an opinion, but I don't go into the mod forums telling guys who work on turbo's what their job is about and how it is All I am saying is that while insurance looks black and white, it is more grey. I know the reason why he should dispute it and until I change companies I can't disclose the reason as I'm bound by my conditions of employment. Almost every financial services company does the same thing with regards to protecting its secrets.

That's a rather ambiguous and inaccurate statement 75. They can and do but the Ombudsman can and does force them to reapply the policy as they should never have agreed to it in the first place. Investigators are not brought in if over insured, they can determine that internally without one lol!

Worst part is when the ombudsman charges a certain percentage of the cost of the total claim as their fee >.> Well its not that, the contract has been written with certain conditions, and by them sending him out a certificate that states he can drive it under these conditions they have broken the financial trades act which disallows you selling a policy to someone if it totally conflicts their circumstances. ex he can't legally drive his car but they set up a policy for him to use said motor vehicle when they know the laws of the state of conditions of the product. Its like we set up a policy for say frank, frank is 21, but one of our endorsements states people under 21 can't drive the car... illegal. You cannot sell someone a policy for their use if they can't use it under the conditions of the policy. Its different if say frank's dad sets up a policy and they say frank can't drive it and then he does because its not franks policy or car.

Depends on how bald you are talking, looking bald, just bald, wires sticking out. There is more to it but without being part of the company/processing teams involved I can't go into it as it is NOT general information. See as above on the reason. The "minor" reason is that the underwriter... no wait, I won't bother saying it to you again - you either can't read or can't comprehend my previous posts explaining... I may as well copy paste dude. We established mute was a slip when drinking You are repeating yourself again Beer Baron. You can't possibly be a bad guy and I would still offer general advice if something happened to you to.

http://www.escapistmagazine.com/videos/vie...1385-Torchlight

I'll be brief cause I'm still messed up from drinking last night-this morning o_O You can make any mods to a car pretty much, most motor assessors don't know which ones are illegal or not BUT you need to have your mods listed so they can apply a mod excess and such. Like I said Priestly, the item is blanket cover, a lot of the time we can't prove it. Insurance Agents/Brokers have no control at all other than the right to sell the policy and get commission.

Well my goal is to be an underwriter, not far off mind you. Yeah I've been drinking so spelling is up the shitter =/ It's not even about being powerful, its about knowing the ins and outs of the behind the scenes of a claim and product... I mean your PDS doesn't even contain everything your product is. All I was saying is he has a very good dispute position and coming from the side of the train where you see the stupid stuff sent back by the Ombudsman that we have to pay, this one is a no brainer, the insurer should have checked their own certificate as per process. Yes stupid kids need to learn a lesson but uninsured accidents can and do ruin young lives. He has learned a lesson and the mistake by both parties won't happen again. For the record though a Motor Vehicle Assessor can't even decline a claim lol.

Just like I'm confident you are without clue

Considering I work in complaints resolution and fulfilment the odds aren't good for you. This kids problem however is that he has not: 1) replied 2) posted his accident description or certificate of insurance 3) is likely just a random troll

Well the scenario, car positions for a very simple starter. Insurers don't always win, you would be suprised on claims we've had to pay. There is a heavy weighted reason, no wait, a second minor reason why the tyres are not really a factor. I can give him actual advise if he attempted to provide his documentations. Did you not even read my post about how an underwriter paid 100k+ a year writes the policy so if he has a certificate of insurance showing he is covered they are legally bound by the financial practises legislation of aust to honour the contract. Regardless of his legality driving the car, you cannot set up a policy in the name of someone and list them as a driver if they cannot legally drive it, that is misleading and breaks the practises act. DUI is treated different. Its lawfully and clinically proven you were under the influence. Unless you can base your statement on a legal precendent I recommend you stop repeating your mute point

Basically if its accepted you get your certificate and are covered. If underwriting review and deem the risk not acceptable they call and send out a decline of cover letter and yes if they need more information. The underwriters are paid heaps to do what they do if they cocked up and accepted the cover the onus is on the insurer. With regards to road worthiness, the reason why the tyres might be a mute point is something I cannot go into. The reason it(road worthiness) is there is the blanket protect insurers. ********** With regards to the event (or accident) he said he went around a corner, there are too many variables to say yes he is at fault straight up. Did he have right of way, where was the other party sitting etc...

Asides from being a silly kid - he does have a leg to stand on online quotes are reviewed by underwriting before accepted. Sorry for targetting just you Blitz, I should have included Beer Baron, I just don't like how people (mods especially - no hate or anything) give misleading advice. As in I wouldn't go and spin my ideas about car security over Chris R for eg. Jayme... you need to provide 2 items.. a scan of your COI and you need to draw the accident including street names or we can't help you any further today.

Can you scan and attach a copy of your COI?

Try searching R32 actuator... gotRICE has posted a lot of info about this.... I picked an r32 actuator up from these forums too

Actually road worthiness of the tyres is not a factor at all. I could tell you but I am legally bound not to, I can only give general advise relating to the laws we work under and the disputes process.

Blitz, please spare us your 'knowledge'... Under the Financial Practises Act the customer does NOT need to know their product, it is the job of the INSURER to ensure the customer does not have an incorrect product. They must know if he is on P's and the vehicle type, knowing the INSURER involved their system would not allow it to be printed and paid for unless they did something dodgey. eg they did not put in the right date of birth or did not list him on the car at all. The fact of the matter is a person shouldn't have to reasonably know if they can or cannot have the insurance policy - that is what the salesperson's job is for. He is entitled to a full refund of his policy as it is null and void, period. Further he can dispute this with their disputes area and you may find that the Financial Ombudsman would likely rule in HIS favour over the insurer because they incorrectly sold a policy, that is if their internal dispute resolution area does not overturn it. He has the info he needs to cover his behind and sort the stuff out and I pray he stops reading this thread.

Some legit info about drivings cars in VIC if you are in VIC... regarding restricted vehicles and the only exempted turbo'd/super'd vehs... http://www.vicroads.vic.gov.au/Home/Licens...tedvehicles.htm Here are the forms for applying to use a skyline on your P's in VIC.. http://www.vicroads.vic.gov.au/Home/Licens...gedvehicles.htm Waiting for you to reply to my PM mate, I need your COI. Financial practise laws mean they cannot sell you a product if you are the sole driver.

Mate, I'm sending you a PM... I'll talk to you about your options from here, moving forward... most/all of the people above are not industry professionals.