Insurance

[EDSC]

Well...i'm new in sydney and plan to get a car soon. I was wonder how much (insurance) i have to pay for a skyline in here. Or any insurance company's website can intro me and i can look for it myself.

how much on R32 GTST third party ? R32 GTR third party ?

Or lets discuss how much u guyz pay for the insurance and wat kind of insurance u got...

i really need a help..thank you

[phat_man]

i went just cars after NRMA tried to rip me a new one.

im only 18, 1year driving experience (there books) and i got 3rd party property damage cover for 550$ and i was a further 250-300 for fire and theft. cover up to 10000$ i cant remember how much the excess was though lol.

NRMA wanted 1100$ not fire and theft. what a rip.

[gt-ahhh!]

yes just car is really the only choice. shannons wont cover under 25s, so not even an option.

im 20, and can get my full licence in a few months. and i got a quote for $2200 comprehensive (fairly modified R33 gts-t). and yeh about $800 3rd party+fire+theft up to $10k

the excess is fairly high, especially on comprehensive. but you can increase your excess by up to $1100 i think, and save over $900 per year on your premium. as long as you keep that money set aside for worst case scenario, you could save over $900 a year!

nrma LOL. my dad was quoted $5000+ (i was going to have him as primary driver)

[sotck4door]

one of my friend got license suspended twice...quote from NRMA for a corolla sportivo,agreed value 35k...4k per year~~~now thats funny

[evil_weevil]

Ummm.....

To be honest, there is no point saying what you pay because everyone is a different risk.

For example what abo bob pays here in sydney with his gtt compared to....say a bathurst member is completely different.

Unless you live with someone who is the same age,gender,same driving history, same car, same value, same coloured undies etc etc you will all pay different premiums.

so anyway, EDSC - Justcars or GIO Custom car would only be your best bet for yourself.

[nzm033]

Justcar only covers you if ur mods are legal...so if u have any illegal mods like an atmo BOV or FMIC u technically are giving money to Justcar because they arent gonna cover you in an accident....CORRECT or INCORRECT??

[evil_weevil]

call em and ask.

[phat_man]

i told justcar my mods because apparently they said i had to is that true?

but yea, they know i have a BOV and a air filter.

[nzm033]

did u tell them it was aftermarket bov...atmo?

i called Justcar and they said that insurance is void if ur mods are NOT legal and roadworthy..also says on the site

which is stupid coz nearly everything u do to ur car is illegal...i hope this is not the case

Edited January 16, 2008 by skyline17

[mikel]

Famous

fully comprehensive cover

all mods have been stipulated on the policy

$760 per annum

being old has some advantages

Mike

[D3bb4]

Justcar only covers you if ur mods are legal...so if u have any illegal mods like an atmo BOV or FMIC u technically are giving money to Justcar because they arent gonna cover you in an accident....CORRECT or INCORRECT??

sorta incorrect.... I have engineers certificate... so it's legal... the car has to be compliant with ADR basically... thing is; it can comply with adr and not be engineered if you haven't gotten it engineered... so real question would involve looking over their policy... then again, anal legit pink/blue slip places are as bad as cops when it comes to passing a car as legal. no certificate, no paper -> get it engineered and you're set

[EDSC]

Ummm.....

To be honest, there is no point saying what you pay because everyone is a different risk.

For example what abo bob pays here in sydney with his gtt compared to....say a bathurst member is completely different.

Unless you live with someone who is the same age,gender,same driving history, same car, same value, same coloured undies etc etc you will all pay different premiums.

so anyway, EDSC - Justcars or GIO Custom car would only be your best bet for yourself.

Yea...u got the point.... well, I just want to do a research on the company and the estimate price range and i got quite a lot of ideas from you guyz here...

I think justcar much more suitable for me but i'm still confuse about some other stuff like the engineer certificate...

What if i do all the mod myself, how do i get the engineer certificate ? My car will be illegal without the certificate ? If i done the mod myself, where do I report my mod ? to RTA and my insurance company ? If i didn't report ?

[D3bb4]

You go to an RTA certified engineer to have the car inspected. THey look over the car, write down what the mods are, and that they are compliant with ADR... if they're not, they'll tell you to fix 'em and come back...

With the certificate, you get a 2nd copy. one must go to the RTA... make a copy of the other and keep it in your car at all times, and keep the other safely locked away just in case...

If you dont report the mods, policy is void basically.... how leneint they are; i dont know...

[gt-ahhh!]

You go to an RTA certified engineer to have the car inspected. THey look over the car, write down what the mods are, and that they are compliant with ADR... if they're not, they'll tell you to fix 'em and come back...

With the certificate, you get a 2nd copy. one must go to the RTA... make a copy of the other and keep it in your car at all times, and keep the other safely locked away just in case...

If you dont report the mods, policy is void basically.... how leneint they are; i dont know...

well all my mods are quoted on the policy, and just car has agreed to cover them. i would have thought passing rego qualifies a car as roadworthy.

is the rta likely to pass a fmic? plenum? and what does it cost?

[nzm033]

well all my mods are quoted on the policy, and just car has agreed to cover them. i would have thought passing rego qualifies a car as roadworthy.

is the rta likely to pass a fmic? plenum? and what does it cost?

hey mate, im in the same situation as u. They said they would cover me aswell with FMIC BOV etc etc. But i dont know if this is legal/roadworthy. So it like giving them free money. I dont know wat to do

[D3bb4]

Last time i got a quote, the only thing they were concerned about was the engine swap and if i had an engineers cert. to cover the swap....

I've been to places to get a blue slip; they look at the front mount "engineered?" "no" "i can't give you a blue slip".... Any cop will tell you that anything non-standard that is not engineered is defectable. Is why they always look for shiny things

[R34 Sedan]

I'd avoid Just Car Insurance if possible, as they do not allow your own choice of repairer, and force you to use an AAMI network repairer (which are all shit and do dodgy work).

I'm insured with Lumley Special Vehicles, who have been excellent.

Lat year I had a major accident with 20K damage (not my fault), they were very efficient with the claim and allowed me to take it to my regular panel beater.

I know it varies from person to person but I've found them to be quite cheap.

I pay $1,227 per year for full comprehensive cover on an R34.

Also they allow mods as long as you inform them before hand.

Lumley Special Vehicles Ph:131 430

[evil_weevil]

Who are Lumley underwritten by?

Just cars actually say

"in an accident you can get two quotes, one from your repairer, one from our choice"

and which ever is cheaper for them they go with.

[R34 Sedan]

Lumley Special Vehicles are underwritten by Lumley (who are a huge company).

Yes Just Cars do allow 2 quotes, one of your choice and one of theirs.

However no decent Panel Beater will be cheaper than theirs. (AAMI repairers are rock bottom)

I had my car repaired by a Mercedes specialist (who did an absolute top notch job), which would never happen with Just Car.

[R34 Sedan]

GIO custom cars would also be worth looking at, as they also give your own choice of repairer.