Vic Wasteland Thread - 15.0

[UNR33L]

6 minutes ago, Birds said:

Didn't know Just Car was packing it in...

Old news, meh with RACV myself.

Speaking of, need to sort out some home and contents insurance.. working from home i didn't bother really but now I need it more..

Edited April 19, 2017 by UNR33L

[emts]

Don't you have to have it for your loan?

that's one of my requirements for our house loan. (house insurance not so much contents)

[Birds]

2 minutes ago, UNR33L said:

Old news, meh with RACV myself.

Speaking of, need to sort out some home and contents insurance.. working from home i didn't bother really but now I need it more..

Shannons do my contents insurance.

Good thing about them is garage cover up to 10k I think, so wheels, tools and memorabilia etc. if they get stolen.

[UNR33L]

6 minutes ago, emts said:

Don't you have to have it for your loan?

that's one of my requirements for our house loan. (house insurance not so much contents)

Got building insurance through body corporate but contents isn't covered as far as im aware.. real estate gurus can confirm?

Edit: yeah i want to go with someone that will cover my trailer behind gates too. 

When I was like 10 my parents got stooged my KLX125 got stolen (small dirt bike) AAMI said it's not covered under contents, argument was its basically a pocket bike that has no rego or anything and that they'd been with AAMI for 25 years etc.

Edited April 19, 2017 by UNR33L

[emts]

ok that makes sense.

 

no Body Corp here so have to do stand alone

[Birds]

My Just Car policy has somewhat automatically switched over to their underwriters AAMI. The TPF&T cover is exactly the same, but their premium is $260 instead of the $400 JC charged me...go figure? They seem to have a much higher excess ($1200) than JC did, so maybe that's why...

Wonder if the move was just to consolidate or to force customers into lower premium / higher excess options?

[UNR33L]

4 minutes ago, Birds said:

My Just Car policy has somewhat automatically switched over to their underwriters AAMI. The TPF&T cover is exactly the same, but their premium is $260 instead of the $400 JC charged me...go figure? They seem to have a much higher excess ($1200) than JC did, so maybe that's why...

Wonder if the move was just to consolidate or to force customers into lower premium / higher excess options?

$260 a quarter? agreed value or market? I'm guessing agreed as market value on a R33 would be sheit these days 

I got 10k agreed on my road regoed dirt bike.. tempted to ride it to the station or cinemas one night when ready to sell, surely it'd be gone hah.

I don't like leaving it anywhere, no key and can start it up and ride off 

Edited April 19, 2017 by UNR33L

[emts]

third party sounds right for 260 a year, I was $131 on the S14.

you can adjust the excess back down to the original value and your premium will go back to around the original. 

 

really depends on what you want and where it parked.

[Birds]

2 minutes ago, UNR33L said:

$260 a quarter? agreed value or market? I'm guessing agreed as market value on a R33 would be sheit these days 

I got 10k agreed on my road regoed dirt bike.. tempted to ride it to the station or cinemas one night when ready to sell, surely it'd be gone hah.

I don't like leaving it anywhere, no key and can start it up and ride off 

A year...

It's third party fire and theft which is almost always market value. But up to 10k which is max for theft anyway. Wasn't difficult to argue Leesh's R33 was worth 10k when that got stolen and realistically it was probably worth 6-7.

Not doing comp insurance on a GTS-T...Shannons wanted $1200 a year for it lol

[admS15]

A year...
It's third party fire and theft which is almost always market value. But up to 10k which is max for theft anyway. Wasn't difficult to argue Leesh's R33 was worth 10k when that got stolen and realistically it was probably worth 6-7.
Not doing comp insurance on a GTS-T...Shannons wanted $1200 a year for it lol

They offered me the same on our M35 stag, 260 with 1200 excess. I hope they offer me the same on the gtst. Birds, did you have any mods listed for yours?

[Birds]

5 minutes ago, admS15 said:

They offered me the same on our M35 stag, 260 with 1200 excess. I hope they offer me the same on the gtst. Birds, did you have any mods listed for yours?

Yes all my legal mods were listed with JC just for disclosure. Not listed on the AAMI replacement policy, but I haven't had a chance to amend it. There is a line on there about fitted options/accessories/modifications being included in the amount you're covered for, which is only 10k anyway, so it's probably less relevant to third party than comprehensive where you could claim extra for mods. Unless you're concerned about disclosure and being denied a TPF&T claim because of modifications not mentioned.

[Odium]

Port Power / White Power... Whatever

http://www.9news.com.au/national/2017/04/18/21/19/outrage-after-photos-emerge-on-social-media-of-port-adelaide-fan-wearing-swastika-armband

[admS15]

Yes all my legal mods were listed with JC just for disclosure. Not listed on the AAMI replacement policy, but I haven't had a chance to amend it. There is a line on there about fitted options/accessories/modifications being included in the amount you're covered for, which is only 10k anyway, so it's probably less relevant to third party than comprehensive where you could claim extra for mods. Unless you're concerned about disclosure and being denied a TPF&T claim because of modifications not mentioned.

Yeah, I'm more concerned about having a claim denied due to unknown mods. Like you, I had only listed legal mods. Most of my stuff is concealed well and doesn't look too out of place, except for the roll cage lol. I may have to rethink that one.

[Birds]

16 minutes ago, Odium said:

Port Power / White Power... Whatever

http://www.9news.com.au/national/2017/04/18/21/19/outrage-after-photos-emerge-on-social-media-of-port-adelaide-fan-wearing-swastika-armband

Fk me, the dumb connections people draw while trying to be offended...they want the AFL to do something about him cause he was wearing a footy top at the same time? What's it got to do with football or other supporters? Will Nike ban him from their stores cause he wears their shoes lol

[UNR33L]

Roll cage isn't illegal though is it? just say you do track days with it and surely theyd be fine..

 

[Odium]

Exactly!

I think you'll also notice he's got Apple headphones in the 2nd picture, which I think says volumes about iPhone users and their racist tendancies

[emts]

37 minutes ago, UNR33L said:

Roll cage isn't illegal though is it? just say you do track days with it and surely theyd be fine..

 

full cage is not legal, half cage is if your car has been modified to be a 2 seater, so you have to pull the rear seats/belts and get it checked at vicroads.

 

[joeyjoejoejuniorshabadoo]

Because it makes you upset mostly.

If that were the case I'd be cool with it

[admS15]

46 minutes ago, UNR33L said:

Roll cage isn't illegal though is it? just say you do track days with it and surely theyd be fine..

 

 

Not illegal if engineered

8 minutes ago, emts said:

full cage is not legal, half cage is if your car has been modified to be a 2 seater, so you have to pull the rear seats/belts and get it checked at vicroads.

 

 

Pretty sure those rules have now changed, even a half cage needs to be signed off by an engineer and then car must be registered as 2 seater. Cars that are already regod as 2 seater on old rules are ok i believe. So, i either remove it or roll the dice. Decisions, decisions.

[Leroy Peterson]

How are 18 years old going to register their illegally modified 86's for $30k without just car around?

I guess there's not many NA supras getting around with 10k stereos and 500 wheels anymore... Times are a changing.

 

You COULD get a full cage engineered. But who the f**k is going to run normal seats and a full cage? Fixed back seats not allowed. Then you'd need engineered for every other modification. Engineer says good luck or pay me thousands to say no.