Insurance

[VKStevo]

Mum went to insure my car 2day and apparently I have 2 many mods, so they wont cover it, all they will do is the car itself which being a vk aint worth much so basically if nething happened 2 my car I wouldn’t get anything for it, apparently with the mods its something deterring young ppl modding cars, so after ringing around, mum got a few quotes and the only places that do it charge tonnes.

Does ne1 else have this problem? who is ur car insured with and are they good?

I need 2 no by 2moro morning coz it runs out 2moro, thanks heaps

[stocky]

have you called justcar?

[HDT_aero]

if justcar wont do it shannons will but it will cost a little more

[stocky]

hes 18 though. i think shannons want people over 25

[yobbo88]

just car insurance is the only way to go for us younger drivers... it cost me just under 600 bucks and the car is completely in my name, mods are extractors and exhuast and it already had a tow bar which bumped it up a bit but still reasonable i say. it can be done online too so its simple to get done

[VKStevo]

yeh i think justcar was the 1 mum sed was the only 1 that would do it, but she said its expensive compared 2 sgic and aami

[1991_Vn2nV]

I made a thread in the general section... Insurance for young drivers. Give it a read.

Shannons are a no go as they only do full comprehensive insurance, im guessing you're after 3rd pary fire and theft yeah?

SGIC and Just Car insurance are the only 2 that will do it.

[1991_Vn2nV]

Heres the thread... Insurance for Young Drivers

[VKStevo]

thanks heaps for the reply's

just talked 2 mum about it and we're going with just car, i think mum sed it was $343 or something, but the excess if i have an accident was $1050 which kinda sucks, mum sed i have 2 keep away from everybody lol

[yobbo88]

thats cheap actually my friend... is it going in your mums name and your primary driver or something? my excess is 1500 in my car and 2200 if im driving my mums (and i had to go and crash my mums car a while ago... doh!!)

[VKStevo]

thats not including fire and theft though, aparently that was an extra $100

[WAGON MAN]

thats not including fire and theft though, aparently that was an extra $100

So did you pay the extra $100 for fire and theft?

[VKStevo]

nah mum did it and she didnt want 2 pay the extra $100 and i dont have $100 2 give her 4 it at the moment

[stocky]

you didnt pay an extra 100 for theft coverage? ....wow

[VKStevo]

most of the time my car is behind locked gates, but i'd get it as soon as i can

and it is just a vk...i no it probably does sound bad but when ive just paid registration and got it serviced, $100 extra isnt that easy 2 come up with

it does have a security system fitted 2 it

[1991_Vn2nV]

Mate, fire and theft is a must!

It more than just if you have your car stolen or burnt or anything... But if you are in an accident that is not your fault, you are covered by insurance with 3rd party fire and theft!

Definitely worth $100!!!!!!!

[vy_storm]

I'm confused. If the extra $100 wasn't paid for fire and theft, what insurance is there below that? AFAIK You don't get full comp without the fire and theft component.

[WAGON MAN]

I'm confused. If the extra $100 wasn't paid for fire and theft, what insurance is there below that? AFAIK You don't get full comp without the fire and theft component.

I think he only got 3rd party property insurance.......

[vy_storm]

Yup, just realised that. Have never been offered just third party before, and seen that JustCar offer it in their online quote.

I think thirdparty property would be more than enough for most people. Basically if the excess is more than the value of the car then it kinda wipes out the equation.

[VKStevo]

yes i have 3rd party property...how important is fire and theft on top of that?

ok yeh i no its important, but im just wondering wot situations that i wont be covered like i am now but shouldve been

i cant even think properly while im typing, sorry if it doesnt make sense, but im going 2 bed now

[vy_storm]

Fire and theft would only cover you in the event your car is stolen or torched. It has no bearing on anyone else who hits you. You have to weigh up what the car is worth and if you could afford to replace it out of your own pocket.

Third party property only covers anyone else or their property that hits you or you hit for damage only.

[1991_Vn2nV]

Fire and theft would only cover you in the event your car is stolen or torched. It has no bearing on anyone else who hits you. You have to weigh up what the car is worth and if you could afford to replace it out of your own pocket.

Third party property only covers anyone else or their property that hits you or you hit for damage only.

Third Party Fire and Theft also means if someone hits you as in its not your fault in an accident, you are covered by insurance!!!!!!!!!!!!!!!!!!!!!!!!!

I had 3rd party fire and theft in my VL, lady ran a stop sign, my VL was written off. I received $3,500 minus the wreck which I chose to keep from my insurane company.

With just property I would have got NOTHING unless the other lady had insurance, which some people do not.

[vy_storm]

Third Party Fire and Theft also means if someone hits you as in its not your fault in an accident, you are covered by insurance!!!!!!!!!!!!!!!!!!!!!!!!!

I had 3rd party fire and theft in my VL, lady ran a stop sign, my VL was written off. I received $3,500 minus the wreck which I chose to keep from my insurane company.

With just property I would have got NOTHING unless the other lady had insurance, which some people do not.

Yup, exactly, you have to weigh up what the amount you will receive if the car is written off though, hence my point. If the car is valued at and worth bugger all, then you get just that back. All this has to be judged on the individuals circumstances. Having said all that, I would never ever be without third party fire and theft as a minimum.

Just a side note: some thrird party property insurance can cover you for a limited amount of damage in a not at fault accident. Best to check with the individual insurance co on the exact details......

[JD]

im 19 full comp on my vn with mods listed and its only $1200 a year through justcar but u have to pay upfront but if your parents r willing just borrow the money off them and pay them back bit by bit if u dont have the ready cash.

[1991_Vn2nV]

im 19 full comp on my vn with mods listed and its only $1200 a year through justcar but u have to pay upfront but if your parents r willing just borrow the money off them and pay them back bit by bit if u dont have the ready cash.

Yeah thats why I went with SGIC. Just Car were cheaper but they wanted an up front payment, SGIC wanted monthly installments which is easier for me via bank deposits.