Insurance

[MRSAMO]

Hi folks,

Was wondering what you guys were getting for your R32 GTR. Mine's near standard and in great condition, got a quote from just cars for $1920 and $600 excess which I thought was a little high. I'm street parking in my current place, but am also looking for accommodation with a carport or garage (shannon didn't want to insure me for this reason).

[RB25PWR]

You're going to get mixed answers. Insurance is all dependent on where you live, your age and driving history. (And obviously the car you drive and what you paid for it).

To me that that price sounds somewhat reasonable, I doubt you'll get a better price anywhere else. From the sounds of it, you're probably 24-25 in a pretty cushy suburb? Just Car wanted $1, 700 from me with a much higher excess and I'm 22. However my car is only a GTS-T.

[NISMO]

Hi folks,

Was wondering what you guys were getting for your R32 GTR. Mine's near standard and in great condition, got a quote from just cars for $1920 and $600 excess which I thought was a little high. I'm street parking in my current place, but am also looking for accommodation with a carport or garage (shannon didn't want to insure me for this reason).

To be honest that sounds like a very good price considering its on street parking

[evil_weevil]

GTR and street parking????

that shouldnt be allowed for GTR owners! lol

yeah justcars will most likely be the only company in your situation

[MRSAMO]

LOL tell me about it, I never street park ever until now.

[nuclear_skyline]

Check to see the fine print as my GTR is insured with JUSTCAR for a similar amount but must be garaged at night when at residence.

[R34Liner]

i think i have street parked over night once in my 2.5 years of owning this car.....i didn't sleep that night.

[Cassbo]

When my car isn't parked on the driveway it's parked with 2 wheels on the steet and 2 wheels on the grass.

R33s are suprisingly good at climbing gutters

[DECIM8]

I used to pay $3000 in western sydney.. Concider yourself luck. I now pay $2g a year unfortunately im with just crap.

[Kujotk]

im down to $1138 (renewed in January) including the wanky maximum no claim bonus protection thing for a Series 2 R33 gts-t now at close to 260rwkw, Insured for probably the same price as a decent R32gtr, park it in the drive way, in the street, gf's street over the weekends, park it in glebe back streets ect... and it's all covered 100% as long as it has an australian standards immobiliser.... 23yo male, clean driving history except for one suspension. Why are so many people paying so much more? The skyline is with just cars, my other cars are with aami.... although at 19 and the line was stock standard the insurance was $3k....

And whats so bad about parking our lines on the street? most of them are worth less than a new Kia Rio

[Kujotk]

While I have my papers out my Green slip is $668 with GIO, I miss the days when AON was $300

[NISMO]

im down to $1138 (renewed in January) including the wanky maximum no claim bonus protection thing for a Series 2 R33 gts-t now at close to 260rwkw, Insured for probably the same price as a decent R32gtr, park it in the drive way, in the street, gf's street over the weekends, park it in glebe back streets ect... and it's all covered 100% as long as it has an australian standards immobiliser.... 23yo male, clean driving history except for one suspension. Why are so many people paying so much more? The skyline is with just cars, my other cars are with aami.... although at 19 and the line was stock standard the insurance was $3k....

And whats so bad about parking our lines on the street? most of them are worth less than a new Kia Rio

It's got nothing to do with being worth the same as a new Kia. It's got everything to do with the likely hood of the car being stolen. History tells insurance companies that skylines are a target for theives therefore premiums go up. Pretty simple.

[Kujotk]

if you have decent insurance who cares, thats why we get insurance, that and accident damage. Unless you have spent hundreds of hours working on it yourself I don't see why people are so overly protective like not parking the car on their street.

Also these days car thefts are at an all time low compared to what they were even 5 years ago, insurance is mostly looking at risk of an accident now, but has anyone got lower prices for any skyline (turbo or not) under $1100 comprehensive? And are any of them under 25 and with just cars? I heard Shannons is cheaper but you have to be over 25 to get it.

[NISMO]

Exactly the problem though "decent isnurance" .

Most insurance companies will put the value of a GTR way below replacement costs.

As an example a friend has a GTR that is completely rebuilt top to bottom, pretty much every screw and washer replaced. On top of that its a seriously quick car, and has had thousands upon thousands spent on it.

A few months back he was arguing with an insurance company as they wanted to drop the insured value down to $30k.

Yes i know cars depreciate and yes i know you can never get back what you paid, but when your insurance only covers a fraction of the cost of the car to you, then you're not going to park it on the street.

Personally as long as my car's replacement value is covered by insurance, and it is actually replaceable, i've got no problem leaving it anywhere.

As for under $1100, i reckon it'll be tough to get that in Syd.

I pay about that and my policy is a limited use vehicle, I'm over 30 and have a close to perfect driving record - that is 3 speading fines since i got my P's at 17, all under 10km/h over the posted limit

[Kujotk]

true, the year before was $1600ish, year before was $2k and before that was $3k, i'm just curious to see if there is any logic behind it or if there are special preferences for having multiple cars with the same insurance ect...

[evil_weevil]

Tom,

its a pretty simple concept, its called risk. I thought you would know that owning your own business and owning a massa and ferrari?

the lower the risk, the better it is for an insurance company, which in turn, a lower risk helps with lower premiums to valued customers.

a skyline, high loss ratio for many insurers, to minimise risk, they have guidelines and rules. another way is not having that risk at all.

some insurers wont care where car is, however you'll get basic benefits if that. ie they chose repairer, repairs arent guarnteed. its market value, you'll have higher excesses to pay etc.

specialty insurers do care where car is and how being used. and if you meet their criteria, its a top policy.

Anyhoo,

for car lovers like ourselves, wouldnt you want to look after your fincial interest? your pride and joy?

my mazda isnt worth much, but f**k me I look after it, drive it as a 3rd car, its locked in the garage, i live in a nice safe suburb but still dont want to leave it out.

I have a bluebird for daily driving, its a car Im not worried about, so I have less cover on it

mazda = good car, good policy, low risk

bluebird = daily, dont care, TPO cover

[oweban]

I wanted to get a GTR but you cvnts knocked me back and wanted to charge me 5000 a year with a 12000 excess

chubbs you suck

[evil_weevil]

do you do muay thai lessions Owen?

[oweban]

do you do mui thai lessions Owen?

maybe, how about you bring your mouthguard down and find out

i also happen to love cock

[MRSAMO]

I haven't seen language like that since bigdaikon.