All You P Plate Skyline Owners

[jdill]

Yeah i have my R33 GTST for about a month now and it is issured and registered in my name. Inssured with just Cars. I have been pulled over twice for a general check but they havnt said anything about power to weight but there are bastards out there who will. Yes watch out for Issurance companies there dodgy as they will try to stoge you esspecially just cars.

[Jamezilla]

Guys - the key thing to remember here is that driving a car which is outside the power to weight ratio is done so at your own risk.

The laws are there for a reason - I have very strong views about younger drivers putting themselves behind the wheel of such powerful cars, but we needn't go into that here.

If you are on P's and are driving a turbo R33 or R34 - or any GTR... it is illegal. Sure, you can register it, insure it - you may be stopped by the police and not told about it... but the law is still the law.

If you are involved in an incidednt, it is well within the right of the insurance agency to deny your claim based on these reasons. It doens't matter if the car is registered to your grandma - if YOU are driving a car that is outside the kw/kg range - you do so at your own risk.

Insurance companies may have catchy jingles (and dumb ads with Pete's car in it) to make you feel warm and fuzzy... but at the end of the day, if they don't have to pay, they wont.

To summaise:

No turbo R33, R34 or any GT-R is legal on P's - no exceptions

This has been covered countless times.

What ever happened to driving a Corolla until you turned 21?

[dezz]

Guys - the key thing to remember here is that driving a car which is outside the power to weight ratio is done so at your own risk.

The laws are there for a reason - I have very strong views about younger drivers putting themselves behind the wheel of such powerful cars, but we needn't go into that here.

If you are on P's and are driving a turbo R33 or R34 - or any GTR... it is illegal. Sure, you can register it, insure it - you may be stopped by the police and not told about it... but the law is still the law.

If you are involved in an incidednt, it is well within the right of the insurance agency to deny your claim based on these reasons. It doens't matter if the car is registered to your grandma - if YOU are driving a car that is outside the kw/kg range - you do so at your own risk.

Insurance companies may have catchy jingles (and dumb ads with Pete's car in it) to make you feel warm and fuzzy... but at the end of the day, if they don't have to pay, they wont.

To summaise:

No turbo R33, R34 or any GT-R is legal on P's - no exceptions

This has been covered countless times.

What ever happened to driving a Corolla until you turned 21?

<{POST_SNAPBACK}>

we decided to risk it lol

[nghiagero]

i registered mine no probs, but my ive noticed with the insurence companise they're dodgy, you pay the fees and premiums, but when the time comes and you hit someone (lets hope it never comes to this) and you require a payout, they'll look at the car details and notice that its over the power to weight ratio and wont cover you. PERIOD. so be carful...

my 2c

Edited September 7, 2005 by nghiagero

[nghiagero]

ah crap double posted.... mod can u please delete?

Edited September 7, 2005 by nghiagero

[dezz]

if this is the case, why does anyone bother insuring them if its basically guaranteed that they wont pay out ?

[QuickR33Melb]

Hey my old lady is a manager at AAMI and if you read your policies correctly you for any insurance comany in Australia there is a clause that exempts them from any liability if you are not legally allowed to drive your car.

Example. Your an 18 year old kid, you buy a GTR, you can register it, you call the insurance comapny they will insure you you crash it they can fight you in court not to pay a cent.

When you sign the contract the emphesis in on YOU to ensure that you are legally allowed to drive the car. The insurance company will F*ck you over later if it suits them because if you read most contracts in detail there is a section that states something like "I agree that under the vic roads act 1998 that I am elegible to drive such a car as stated under my policy dated blah blah blah..."

If you total the car they may investigate and say

"Hang on you said you are legally allowed to drive this high performance car when the law says your not"

"Your claim for the BMW M5 you cleaned up and all damages to your own vehicle has been declined...sorry"

The reason they don't tell you this over the phone is that they would potentially lose heaps of business and in 99% of cases they will not get a claim and the few that they reject you probably never hear about. WHAT THEY ARE DOING IS PERFECTLY LEGAL... However ethically questionable.

[Count Grantleyish]

Hey,

Theres good information, but what if your car is stolen and insurance company find out you are not allowed to drive it, will they pay you out if the car isn't found?

Cheers

Grant

[paulr33]

ok enough is enough really

i mean if they void it cos you are over power to weight and you were't actually driving the car you could just argue that you've never driven the car and its been in your driveway since purchase and the only reason you brought the car was to wash it in your drive way. i guess they would have to prove you drove the car with some form of evidence to allow them to void it

[Count Grantleyish]

So,

It seems insurance is not worth it if you drive a overpowered car... It's just waste of money if you want to drive R33 GTS-t you can get 3rd party and hope it isn't stolen, back ended, crash into some animals in country...

Cheers

Grant

[dezz]

ok enough is enough really

i mean if they void it cos you are over power to weight and you were't actually driving the car you could just argue that you've never driven the car and its been in your driveway since purchase and the only reason you brought the car was to wash it in your drive way. i guess  they would have to prove you drove the car with some form of evidence to allow them to void it

<{POST_SNAPBACK}>

i doubt they'd win that 1. if you aren't driving the car, you aren't breaking any laws. wether or not you have driven it in the past has nothing to do with it, as it doesn't even relate to the claim

this has all got me thinking now..is full comp even worth it?

or should i just put it in my parents name

[Ruffels]

ohk.. i didnt get full comp for this reason.. because i thought it would be a watse of money to hand over my $3k and have the good chance that they wont pay out....

however... the reason they will happily give you insurance is because .......... """" IT IS 'NOT' ILLEGAL TO OWN ONE OF THESE CARS""""...... just illegal to drive them.. which is what everyone seems to be forgetting... so if your R33/34, gst-t/gtr for example gets stolen from your driveway at ngiht while you are asleep... they cannot use the power/weight technicality to not payout.. because you were not driving it... you could just say it sits in your driveway all day everyday looking pretty.!!!!

it is only if an addident occurs while you are behind the wheel of one of these cars as a P plater

i decided to take the risk.. i know some may not agree with it.. however i choose to look at it as an infringement.. not breaking the law lol.. so it makes me feel better about it

anyways enough of my ranting.. illegla to drive.. not own

the end

-Ruffels

Edited September 8, 2005 by Ruffels

[foznice]

A r32 gtst is not illegal, its under the limit.

<{POST_SNAPBACK}>

If you do a little research, you will find that 89-90 r32 gtst's COUPE's are over the limit, 91 onwards COUPE's are under because they are slightly heavier. All the 32gtst 4 doors are legal as they are marginally heavier too.

[R31Nismoid]

if this is the case, why does anyone bother insuring them if its basically guaranteed that they wont pay out ?

because people are id|ots and try use the "i didnt know" excuse.

Which isnt valid either

[predator]

Its certainly plainly deceitful, clearly dishonourable and blatantly immoral for insurance companies to offer policies which is easily discernable that the person would not meet that policy (i.e. a date of birth and a certain vehicle). However, of course a young person is going to take up a policy, on the hope that they are covered for their R33 gts-t, etc. But of course being young, they may not have enough experience in the wider world to not know better, and in effect, throwing thousands of dollars away to subsidise general motorists in their standard cars. Now its obvious the insurance companies will exploit this person to their advantage to make further profits, never mind the completely untennable premiums charged to younger drivers.

It is for this reason I wouldn't EVER insurance a common car with AAMI/Just cars just to save a few bucks - just because they are scum, and do take advantage of younger drivers. If they had any morals WHATSOEVER they would say "sorry sir, this vehicle would be illegal for you to drive, therefore we cannot insurance you for this vehicle"... never mind the b.s. 'oh but you could own it and not drive it'. They know that is pure bullshit, just as well as you do.

Never mind the actual difference to the amount of people driving these cars on the roads, which some can argue shouldn't be happening (while I still don't know where I stand on this issue after many years!). It would be stopped pretty quickly in its tracks.

You would think the victoria police and the state government would be stepping in to pretty quickly pressure the insurance companies to change their ways.. but hang on a sec, its all about public safety they are concerned about .. right ?

Of course, something SHOULD be done about it, and there should be a huge outcry over it, but with the ageing population, who really does care about the youth of today? It's certainly not your politicians.

we all know insurance companies are they are the scum of the earth and shouldn't be given the time of day, but unfortunately we all require insurance so they have us by the goolies.

[R31Nismoid]

your first chunck...

The R33-t is LISTED on VicRoads website as a car thats illegal.

If someone doesnt do thier due homework.

When you take a policy they also state as long as the car is LEGAL then its fine.

Its owner onus to know if it is or it is not

doesnt change the fact insurance for a male upto 25 is a joke tho

[justin911]

its not like it gets any better once you get off your p's

then they get to tell you theyre not paying you a cent because of the "illegal modifications".

[GKTECH]

Hey,

Theres good information, but what if your car is stolen and insurance company find out you are not allowed to drive it, will they pay you out if the car isn't found?

Cheers

Grant

<{POST_SNAPBACK}>

Hmm.. would be an interesting one..

I would also like to know the answer to this..

Greg

[dezz]

depends where its stolen from

if its ur driveway, they HAVE to pay

if its out somewhere...then you'd have to say someone else drove it there legally...but then they'd have to be someone on your policy

[GKTECH]

depends where its stolen from

if its ur driveway, they HAVE to pay

if its out somewhere...then you'd have to say someone else drove it there legally...but then they'd have to be someone on your policy

<{POST_SNAPBACK}>

Oh okay cool... no problems with that then.. I'll just include my older bro in the policy (he's off his P's now)

Greg