Registration In Act + P Plates + R34 Gtt

[Michele]

Be careful, some friendly advice a comin' your way

3rd party property insurance does not cover ANY damage to your car, not ever... including fire, theft, coined, egged. You wanna hope you don't meet any roos or have someone back into you in a carpark. If you don't have comprehensive insurance, good luck getting support if you have a "not at fault" accident, it will be just their word against yours and you will be powerless to fight it.

[JewJitsu]

Be careful, some friendly advice a comin' your way

3rd party property insurance does not cover ANY damage to your car, not ever... including fire, theft, coined, egged. You wanna hope you don't meet any roos or have someone back into you in a carpark. If you don't have comprehensive insurance, good luck getting support if you have a "not at fault" accident, it will be just their word against yours and you will be powerless to fight it.

Fcking shit bags that egg and brick cars or key them. I read that 3rd party property should cover you if its their fault like if they ram into the back of your car. So wouldnt it be the same as in a carpark where if they back into your car its their fault ? O unless they run away ! That would suck.

And as for the roos i hope the cull disintegrates them all.

And i hear there is also problems with comprehensive like they will try to not cover you, or only cover part of it and having to pay the excessess and premiums etc.

[Michele]

Fcking shit bags that egg and brick cars or key them. I read that 3rd party property should cover you if its their fault like if they ram into the back of your car. So wouldnt it be the same as in a carpark where if they back into your car its their fault ? O unless they run away ! That would suck.

And as for the roos i hope the cull disintegrates them all.

And i hear there is also problems with comprehensive like they will try to not cover you, or only cover part of it and having to pay the excessess and premiums etc.

3rd party property only covers damage you do to other property, it will never cover damage to your property (car) whether you are at fault or not.

[Baconer]

haha it just sounds more and more like what i did back when i was 18. I bought the R33 after 'calculating' all the costs and weighing up that i could afford it but there are so many variables that i didn't take into account, the main one being your quality of life (things you can do on the weekends with mates etc.) lowering because you have to pinch pennies to pay for the car and the associated costs. If i could go back i would not buy the car, thats not to say i don't love the car, but i would have done exactly what has been said here time and time again. Hindsight is a bitch

If you're like me though you won't listen to this so just think about whether you are buying the car emotionally or logically. A Toyota Camry will be cheaper to run, cheaper insurance, cheaper parts, cheaper everything really and will also attract a lot less attention (talk to a few people about the 'safety' of some of the uni carparks).

[JewJitsu]

3rd party property only covers damage you do to other property, it will never cover damage to your property (car) whether you are at fault or not.

No but the other car that hit you will cover you with their insurance and i read that if the car that hit you wasn't insured the company of insurance can pay up to 20million dollars in damages to your car (from NRMA site) i think they sue they other driver.

[JewJitsu]

haha it just sounds more and more like what i did back when i was 18. I bought the R33 after 'calculating' all the costs and weighing up that i could afford it but there are so many variables that i didn't take into account, the main one being your quality of life (things you can do on the weekends with mates etc.) lowering because you have to pinch pennies to pay for the car and the associated costs. If i could go back i would not buy the car, thats not to say i don't love the car, but i would have done exactly what has been said here time and time again. Hindsight is a bitch

If you're like me though you won't listen to this so just think about whether you are buying the car emotionally or logically. A Toyota Camry will be cheaper to run, cheaper insurance, cheaper parts, cheaper everything really and will also attract a lot less attention (talk to a few people about the 'safety' of some of the uni carparks).

Haha my life is wake up 8AM then school then gym then work and come home at 11:30PM and i work on weekends also so no time to spend money with mates. Except holidays.

Seems like everyone regrets buying their car lol. Im worried now whether i should buy the car cause ill have lots of money but nothing to spend it on and ill become a boring person and then end up spending money too wisely rest of my life by buying crappy 1 litre cars.

[Michele]

No but the other car that hit you will cover you with their insurance and i read that if the car that hit you wasn't insured the company of insurance can pay up to 20million dollars in damages to your car (from NRMA site) i think they sue they other driver.

Sorry... I'm not trying to be difficult here, I'm trying to help - you're not reading the small print correctly. 20 Million? Sounds to me like its is only Liability i.e. personal injury using their Compulsory Third Party (CTP) as part of their registration. This does not cover property damage to your vehicle. In other words "20 million in damages for you breaking your neck", not your car.

If you have Third Party Property insurance, no damage is covered to your car. If the other party is insured, and they're honest people, then you're okay - BUT if they want to get out of paying an excess and higher premiums in future or won't accept fault... well GOOD LUCK with getting your support, because the result will be their insurance company vs one small individual = where can I get the money to fight this in court? oh crap... its cheaper to fix the car myself.

Please talk to NRMA and understand the difference between CTP and TPP. Then for your own sake, compare TPP with Comprehensive.

[nerm]

ive always gone full comprehesive.. even on my camry.. there is the whole 'just incase' factor. it was really worth it when some idiot decided not to look to his left when changing lanes on the parkway. scraches and dents all down the side of the beamer. one call and it sorted it all out.

you might think its cheaper to just get TPP but you cant assume that the accident that you may have is not going to be your fault. im going full comprehensive on my Chaser not because i think im going to crash it, but incase i crash it.. sh!t happens. if someone runs into you in the car park then drives off you arent covered with TTP, same with keying and all the other awesome things that idiots decide to do to someone elses car..

Edited June 3, 2008 by Ex!$t3nZ

[INVRTD]

yeah doing all the calculations and what nots great, but now i have started the basics of business at uni, realising i missed a hell of a lot, not to mention calculating fuel lol, zac be sure to come along to the cruises here goods fun they are, that white 34 does look nice,

[JewJitsu]

Sorry... I'm not trying to be difficult here, I'm trying to help - you're not reading the small print correctly. 20 Million? Sounds to me like its is only Liability i.e. personal injury using their Compulsory Third Party (CTP) as part of their registration. This does not cover property damage to your vehicle. In other words "20 million in damages for you breaking your neck", not your car.

If you have Third Party Property insurance, no damage is covered to your car. If the other party is insured, and they're honest people, then you're okay - BUT if they want to get out of paying an excess and higher premiums in future or won't accept fault... well GOOD LUCK with getting your support, because the result will be their insurance company vs one small individual = where can I get the money to fight this in court? oh crap... its cheaper to fix the car myself.

Please talk to NRMA and understand the difference between CTP and TPP. Then for your own sake, compare TPP with Comprehensive.

Lol im talking about TPP. I was saying since if you crash into someone else your TPP covers them like you said, but if they crash into your their TPP should cover you as well, but seems like your saying that they wouldnt cover me. Maybe im also not an honest person ? Nah im kidding.

O and its damage to property like hooses and shit

"Liability cover

If you cause an accident that damages someone else's property, such as their car, building or fence, we'll pay up to $20 million (including GST) for the damage caused by your car, and we'll cover the legal costs involved."

So means if someone else damages my car with their car and they have this 3rd party they should cover me yes no ?

But the uninsured motorist damage is only max 3k lol.

[JewJitsu]

Haha and whats with this comprehensive expensiveness

Annual Amount - $4,945.64

:|

[Michele]

Haha and whats with this comprehensive expensiveness

Annual Amount - $4,945.64

:|

Thats the beauty of being an old fart... it only costs me around $900 with bonus glass protection (any single pane of glass a year can be replaced without impacting NCB with no excess)

[JewJitsu]

Thats the beauty of being an old fart... it only costs me around $900 with bonus glass protection (any single pane of glass a year can be replaced without impacting NCB with no excess)

Ill just get my old man to get it and then if i crash ill run out of vehicle and call my dad and get him to replace me as the driver Or if im seviourly decapitated then . ;(

What about that justcars or that car enthusiast one that they showed

[Baconer]

and then when you get caught you get charged with fraud and slapped with a super happy fun time fine.

If you can't afford the insurance you can't afford the car (shouldn't be preaching that, i didnt have insurance for the first 6 or so months because i couldnt afford it...)

[INVRTD]

to cover insurence and rego im putting away 130 a fornight, my insurence is 3500 a year adjusted to 2300 (its a just car thing, but theres a shite load of excess if i claim, but i would claim for anything less then it anyways, want to keep good rating) so year need to keep that in mind, i cant wait for next year im going to negotiate a lower price

when i first go the insurence it was another 500 more, when on the phone you really need to be a mixture of firm and nice, and get the person on the phone on your side (like you) do the whole "mate would be able to see if x time driving, or this course etc would get me some cash off" if you play your cards right it will.

im going to shannons at some point this year and talk to them and see if i can get on board with them, normally need to be over 25 or 5 years driving, but im hoping the people there will see that i have restricted leave anyways so only use car in mostly non peak hour, and am responsible or that they are an ex service member and wanna help out one of the boys, fingures crossed.

[JewJitsu]

What kind of insurance would i need if a pedestrian were to run into my moving car and it was his fault running under my car and my car suffers damages. Can you sue the pedestrian ?

But ill guess ill just go with third party and hope i dont cause any accidents or some bum doesnt brick my car, and if they do ill slap them down.

[Michele]

You'll prolly get manslaughter - pedestrians have right of way

[CeJay]

Just remember be prepared to lose your car if you only have third party, it can and does happen.

[Michele]

You used to be able to get a Fire and Theft cover only (no accident damage) - Check and see if you can still get it.

[TiTAN]

Just cars do offer fire and theft but its only to 10k or market value.