Red Ps + 17years Old + Speeding Record + Skyline =?

[GTR Power]

hey guys i got my license suspened for 6 months for speeding (yes i know im a dikhed and i learnt my lesson the hard way) , i got my license in march of this year, im getting my license back on the 23rd of december, im buying a non turbo, 2 door coupe, R34 Skyline.. im 17 on my red ps - NSW

now with insurance, wat do you guys recomend, full comp, thirdparty , third party + fire n theft

i just got a quick online quote from just cars, they quoted me $4300 full comp, $700 excess + another $700 for under 21 year old driver... PLEASE TELL ME I CAN FIND CHEAPERRR!!!!!!!!!!!!!

[Blitz]

hey guys i got my license suspened for 6 months for speeding (yes i know im a dikhed and i learnt my lesson the hard way) , i got my license in march of this year, im getting my license back on the 23rd of december, im buying a non turbo, 2 door coupe, R34 Skyline.. im 17 on my red ps - NSW

now with insurance, wat do you guys recomend, full comp, thirdparty , third party + fire n theft

i just got a quick online quote from just cars, they quoted me $4300 full comp, $700 excess + another $700 for under 21 year old driver... PLEASE TELL ME I CAN FIND CHEAPERRR!!!!!!!!!!!!!

Get used to it.

You want a Skyline, one of the highest risk vehicles to an insurer, and you are 17 with a provisional license and virtually zero real world driving experience.

If you want the car, be prepared for large insurance quotes!

[PHATR32]

dude, seriously, buy a laser, insure it under your name, stay out of trouble and wait a couple of years.

unless you can afford the insurance premium, or drive with out insurance.

[GTR Power]

ok im just asking is this the best i can expect ?

[predator]

Unfortunately, you probably won't find cheaper, as justcars is probably the only one that would insure you.

[GTR Power]

dam would u reccomend third party + fire n theft?

[PHATR32]

ok im just asking is this the best i can expect ?

yeah unfortunetly

[GTR Power]

um.. ok u know how everyone does that put it under mummy or daddys name thing? is that worth it.. my parenst have 2 cars isured with NRMA, have our house isnured with NRMA, u reccon with all there no claim bonus etc i could get insured for less.. or no chance with nrma?

[GTR Power]

k just did a third party + fire n theft, quoted at $708, with $600 excess, plus $700 for under 21 year old male, then it says :

Your Car

1998 NISSAN SKYLINE GTS HR33 F/INJ 2D COUPE (IMPORT) 6 CYL A

You advised us your car has no unrepaired damage

Purchase date Nov 2006

Purchase price $19,999

Cover

Third Party Property Damage up to $5 million

Plus Fire or Theft Damage for current market value up to $5,000

dont understand why it says 1998 r33?? anyways doe sthat mean if my car gets stolen, i get 5000 back only ???

[PHATR32]

definetly not worth it.

thats what my folks done with my previous cars, and when i got my gtr and put it under my name i had no insurance history, which bit me in the ass for a while.

steve

[dangerous_daveo]

um.. ok u know how everyone does that put it under mummy or daddys name thing? is that worth it.. my parenst have 2 cars isured with NRMA, have our house isnured with NRMA, u reccon with all there no claim bonus etc i could get insured for less.. or no chance with nrma?

Not a hope dude. Its a grey import, they wont touch you.

You at the age of 17 have the options of just cars and well.. just cars.

Its the best you are going to get, you are seen as a major liablity.

As said get a small little run about type car, have full compo on that, learn how to drive etc, get the premium down, and in 5 years when the insurance companies no longer look at your current driving history then you could look at your fancy car.

Its just life hey dude.

[Blitz]

um.. ok u know how everyone does that put it under mummy or daddys name thing? is that worth it.. my parenst have 2 cars isured with NRMA, have our house isnured with NRMA, u reccon with all there no claim bonus etc i could get insured for less.. or no chance with nrma?

That will not work. Insurers are now well aware of that trick and the cost of your parents policy would increase significantly should you be listed as a driver.

[dangerous_daveo]

k just did a third party + fire n theft, quoted at $708, with $600 excess, plus $700 for under 21 year old male, then it says :

Your Car

1998 NISSAN SKYLINE GTS HR33 F/INJ 2D COUPE (IMPORT) 6 CYL A

You advised us your car has no unrepaired damage

Purchase date Nov 2006

Purchase price $19,999

Cover

Third Party Property Damage up to $5 million

Plus Fire or Theft Damage for current market value up to $5,000

dont understand why it says 1998 r33?? anyways doe sthat mean if my car gets stolen, i get 5000 back only ???

Thats an online quote correct?

Either way the other bits of the policy say they get to keep the car, and rego etc. So you fork out $700, car gets stolen, you then have to fork out a further $1300 ($2k so far) then if the car is recovered they keep that, and give you effectvly $3k... And thats assuming they dont hit you harder when you actually ring them up to get a proper quote.

[GTR Power]

sorry i dont understand?, if the car is worth 20000, if it gets stolen, i get how much back?

[GTR Power]

is it basicly saying u will get max 5 grand back , so if your cars worth more than that u should get full comp?

[frx026]

just cars is about the only one's that will touch you.

with a poor and short driving history ( you already have a history of speeding) and your age i'm surprised they even offered you cover.

Always go for full comp, otherwise you might end up really out of pocket, no matter if it your fault or someone elses.

If you cant afford full comp then dont buy the car.

as a side point...

most first cars get thrashed and crashed, with your history of speeding and your inexperience why dont you start with something a little easier to drive, a little less powerful and maybe you or your mate in the passenger seat wanting you to go faster in your skyline wont be the next cross on the side of the road.

Edited November 13, 2006 by frx026

[Blitz]

sorry i dont understand?, if the car is worth 20000, if it gets stolen, i get how much back?

3rd party fire and theft covers you for a maxium theft value of $5,000

[dangerous_daveo]

is it basicly saying u will get max 5 grand back , so if your cars worth more than that u should get full comp?

Yeah kinda dude... But thats what they give you AFTER you have paid for the policy, and AFTER you have paid them the excess, and AFTER they have gotten your car to keep, sold all the good bits left on it, and cashed in the remaining rego...

So the real figure you get back is maybe $3k.

[GTR Power]

this isnt my first car and im sick of people syaing buy a sh it box, i had a vl already, i know its stupid but i had my vl when i was 16 and drove buy myself everywhere with no license, and i dont know how but didnt get cought, got my Ps and f*k in get done speeding straight away, ive got the money for the line, and im not gonna drive a peace of crap, true wat u said if u cant afford the full comp dont get the car, fair statement, and i wont get the car if i cant afford it, its just annoying seriously, everyone tells us to get shitters, why dont u drive a peace of crap car yourself, i love cars, i love everything about them and im not gonna get sum shit box, id rather wait and get sumthin decent, but ive got the money so im gonna get this

[Lachlan33]

this isnt my first car and im sick of people syaing buy a sh it box, i had a vl already, i know its stupid but i had my vl when i was 16 and drove buy myself everywhere with no license, and i dont know how but didnt get cought, got my Ps and f*k in get done speeding straight away, ive got the money for the line, and im not gonna drive a peace of crap, true wat u said if u cant afford the full comp dont get the car, fair statement, and i wont get the car if i cant afford it, its just annoying seriously, everyone tells us to get shitters, why dont u drive a peace of crap car yourself, i love cars, i love everything about them and im not gonna get sum shit box, id rather wait and get sumthin decent, but ive got the money so im gonna get this

Mate, seriously. Its people like you that have us all paying such high prices for insurance. You sound like an absolute yobbo who should be restricted to an Automatic Excel until your 25. Do NOT buy a skyline. You are going to kill youself and your mates, or worse, wipe out someone elses family.

" i love everything about them and im not gonna get sum shit box"

To be honest from what you have said, it sounds like you don't deserve any car. Try riding. Its cheap, and you won't be endangering everyone else.