Comprehensive insurance

[Guest tgriffin]

Hehe!

Yeah in hindsight I should have done that. Too late now though

[Dragon18]

guys what is the deal with insurance as if you have an accident

iam getting insurnace for my 180sx in prob feb next year.

now i have been driviing for 1 year third parity and iam 50 50 driver.

and just cars wont put me on rating 5 the bastards.

but if you do have an accident what is the deal? does your rating drop down by 1 or does it go all the way back to 6?

if i was on rating 1 and had an accident and it was my fualt will it drop? and if it wasnt my fault what happends?

and also if you had insurance with another company like racv on your parents car . like one of you guys said. and then you have an accident with your car what happends

there hehe

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[Guest tgriffin]

As far as I know:

1. If you have an accident and need to make a "claim", you lose your "no claim" bonus, I presume you go back to the worst rating

2. 3rd Party Comprehensive does NOT give you a no claim bonus.

Originally posted by Dragon18

guys what is the deal with insurance as if you have an accident

iam getting insurnace for my 180sx in prob feb next year.

now i have been driviing for 1 year third parity and iam 50 50 driver.

and just cars wont put me on rating 5 the bastards.

but if you do have an accident what is the deal? does your rating drop down by 1 or does it go all the way back to 6?

if i was on rating 1 and had an accident and it was my fualt will it drop? and if it wasnt my fault what happends?

and also if you had insurance with another company like racv on your parents car . like one of you guys said. and then you have an accident with your car what happends

there hehe  

????????????????????//////

[NIZ30]

Just Cars told me last week they don't acknowledge that you are on your parents policy. They said they don't, don't want to know, not counting for didly squat. So check which insurer you go through first before applying this idea.

I do know Suncorp will take it. But as my mother has sinced passed away, and there is not record of me being on this policy i got no chance.

[Guest tgriffin]

Sorry to hear about that dude.

Originally posted by NIZ30

Just Cars told me last week they don't acknowledge that you are on your parents policy. They said they don't, don't want to know, not counting for didly squat. So check which insurer you go through first before applying this idea.

I do know Suncorp will take it. But as my mother has sinced passed away, and there is not record of me being on this policy i got no chance.

[Gerds]

While on hold with Just Car on the telephone they say that if you have have third party cover for the last 5/6 years, they will give you 60%NCB.

Suncorp is a more reputable company but once you are over 2 mods and are <25 ur insurance premium skyrockets.

Most young ppl i know are with Just Car, but i would like to know anyone who has had to claim with them. Good or bad. So if u can PM me of any experiences that would be great.

[two40]

Originally posted by Gerds

While on hold with Just Car on the telephone they say that if you have have third party cover for the last 5/6 years, they will give you 60%NCB.

that is if you have had third party with them only i believe. i remember the hold messages. i've spent alot of time on hold with insurance companies

NIZ30 is right about Just Cars not accepting your NCB if you were a nominated driver. you need to have had cover under your name for them to acknowledge it. i tried this one too:(

[ausgtr]

Just Cars Insurance is operated by AAMI, so they are just as reliable as Suncorp. I am 22 and went through Just Cars to insure my R32 GT-R for $3200, i can do unlimited modifications to my car as long as 1. I tell them and 2. They are roadworthy. The next cheapest was AAMI itself for $4400....

[franks]

insurance is pretty fair in every state except for Sydney....its just as well our property prices rose by 30 something percent though

[Guest tgriffin]

With our premiums you would need an investment property to pay for insurance

Originally posted by franks

insurance is pretty fair in every state except for Sydney....its just as well our property prices rose by 30 something percent though

[redline2003]

wat things can u do to improve your chance of getting (cheap) insurance if u r unda 25 and driving a high performance car, ie alarm, driving courses etc

[skyQUEST]

famous at $1400 for an R33 at $25k, small mods.

call them, it cant hurt, much...

[Guest Oz Elitesport]

I've just moved from canberra to sydney. Im with Suncorp. I told them of the change of address and my premium has almost doubled. man I thought Mosman would be low risk. Any way called up famous, there qoute was better than I had with suncorp in canberra.

Are these people reputable, saw there add in HPI. Or are they too good to be true???

oz