Need Some Convincing Lol

[Charles89]

Hey guys,

I know I'll probably cop a few words from you lot, but I need some convincing about switching to full comp insurance lol.

I'm currently on 3rd party, fire & theft with Just Car paying $500 a year with a $2000 excess. But been thinking about switching to Shannons' full comp due to heaps of Skylines being stole lately lol.

Shannons quoted me $1670 a year with a $900 excess for full comp, which works out to $140 a month with a $20,000 agreed value..

Which one should I choose?..

[sonnyQ]

Man, I wouldn't even consider having less than comprehensive insurance. $700 a year for me

Edited July 22, 2011 by sonnyQ

[leer34]

hey charles...i only had 3rd party on my GTT and it turned into a shit fight. and being in above average condition like mine was you will always feel like ur being ripped off if anything happened when u only have 3rd party and it has to go through someone elses insurance....since iv got the rx-7 i decided to go comprehensive this time, just makes you feel a lot safer when you drive it and leave it anywhere.

you've spent a fair bit of time and money on your car so id definatly go comprehensive and like you said skyline theft seems to be happening a lot. everytime i come on here there is another thread about someones skyline being stolen

[Charles89]

Man, I wouldn't even consider having less than comprehensive insurance. $700 a year for me

...... Who are you with?.. And how old are you? lol

hey charles...i only had 3rd party on my GTT and it turned into a shit fight. and being in above average condition like mine was you will always feel like ur being ripped off if anything happened when u only have 3rd party and it has to go through someone elses insurance....since iv got the rx-7 i decided to go comprehensive this time, just makes you feel a lot safer when you drive it and leave it anywhere.

you've spent a fair bit of time and money on your car so id definatly go comprehensive and like you said skyline theft seems to be happening a lot. everytime i come on here there is another thread about someones skyline being stolen

Yeah.. Fair enough, I'm definitely leaning towards full comp lol. $20,000 is definitely better than $8000-9000 if it gets stolen or written off..

[Jack-]

If you're under 25 full comp for ~$1600 is good, my first year with just car was $3000 second, $1900 third year at 21y/o was $1600 or $1900 with $1,000 excess which was pretty good considering my echo is $1000 full comp

[Charles89]

Yeah, I'm 21, 22 in September.

I got a quote from Just Car, they wanted $1400 for full comp with an almost $3000 excess... Where as Shannons is $1700 with $900 excess..

[KezR33]

I don't get it, you have 3rd party, fire and THEFT, and you want to change to full comp because of all the Skyline's being stolen?

[Birds]

Just Cars is your friend - use the adJUST function to bring down your excess = laughing.

Just pray you don't have an accident that's your fault

Fire and theft on a third party policy usually only covers you for $5k worth of damage.

[alr33x]

I don't get it, you have 3rd party, fire and THEFT, and you want to change to full comp because of all the Skyline's being stolen?

Glad someone else spotted it Spose he means he will get more if is stolen and full comp insuro.

[paulr33]

what is your THEFT pay out figure right now

its usually the simple question

would you walk around with 20k in back pocket and "hope" no one takes it

and if they do take it, would you care?

a) YES - get full comp

b) NO - stay as is

i know i'd be pissed if i had my car stolen and only 3rd party

insurance is there for a good reason

most of the people who put "stole car look out for" threads and REALLY REALLY want their car back

are people without full comp insurance

if you have full comp insurance and its flogged who cares

as long as the payout is reasonable away you go

full comp also helps you if someone rams you and drives off

or its unclear who is at fault, instead of being stuck with 10k bill you can get your car fixed

[Downforce]

just get full comp dude. done.

[Mohsen]

just get full comp dude. done.

this

im paying 50 bux a week with 1600 excess but hey, peace of mind.

[Birds]

$50 a week for N/A four door? Fuck me.

Hey Moh...I've got a history of smashing cars, insurance claims and losing my licence...I'm on $900 a year full comp for a turbo coupe.

umad?

[Charles89]

Just to clear things up...

Yes, I've got 3rd party fire & theft, but that's with Just Car and they ONLY cover up to $10,000 market value PLUS you gotta pay excess... Which means if my car gets stolen, and if they are kind enough to pay me the full $10,000, I'll end up walking away with like $8,000 or something after excess..

Where as, with Shannons, $20,000 agree value with NO theft excess..

Just Car is shit... I just got an online quote from them, $2,000 premium with $1850 excess for market value, THEN I adjusted the adJUST crap, made my excess to like $3,000, and even then, my premium woulda been $1,400 lol...

[kawasakirider]

This is going to suck for me when I get a skyline. I'm only 19 and I've never had a car in my name -.- lol. I guess you've got to pay to play, though. The peace of mind would be great for me, as I plan on using the car as a daily so the chances of it getting pranged/pinched are higher than your weekend cruiser.

[xALmoN]

If you think you're gonna get your car stolen, get full comp...

I'll be getting 3rd party for my next car though. + wheelclamp + clublock + loose wheel nuts..

[Mohsen]

$50 a week for N/A four door? f**k me.

Hey Moh...I've got a history of smashing cars, insurance claims and losing my licence...I'm on $900 a year full comp for a turbo coupe.

Are you positively annoyed friend?

i mad.

[Downforce]

saying $50 a week sounds better than saying $2600 a year + excess. owned for being young

[S T A R 3 3]

$50 a week for N/A four door? Fuck me.

Hey Moh...I've got a history of smashing cars, insurance claims and losing my licence...I'm on $900 a year full comp for a turbo coupe.

umad?

yeah, im jelly.. who u with?

[paulr33]

If you think you're gonna get your car stolen, get full comp...

I'll be getting 3rd party for my next car though. + wheelclamp + clublock + loose wheel nuts..

this idea, concept and your countermeasures are flawed

forget countermeasures, forget if you "think"

its a simple case of

at some point in time, regardless of why/how/when/where/who/what

your car will be stolen or written off or mangled by someone else

the key question is can you afford to loose the market value of your car - ie lets say 18k

if yes, then no need for insurance or 3rd party

if no, then get full comp

forget the other crap its flawed and youll only end up pissed off when something happens