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| Thread ID: 61487 | 2005-09-06 10:35:00 | Car insurance | Fergie (6508) | PC World Chat |
| Post ID | Timestamp | Content | User | ||
| 386456 | 2005-09-06 22:47:00 | How about *shock horror* no insurance at all? Have to say this is probably one of the more reckless suggestions made. I'm one for compulsory insurance as I'm sure others here would be. It took me almost 2 years fighting with someone who rear ended my car on the motorway and didn't have insurance to settle the claim. I was fully insured but still had to go to Small Claims with my insurance company no less than 3 times. I would not be impressed if the recipient of this advice took it and subsequently was at fault in an accident. Lo. |
Lohsing (219) | ||
| 386457 | 2005-09-06 22:51:00 | It certainly does for my insurers (AMI) Can't speak for others. It's one of the things you have to be specific on in your application, before they decide on what premium they'll charge. My premium's calculated on the basis that NOBODY under 25 will be driving - otherwise it would be higher. That's not to say they wouldn't pay out on an accident with an under 25year-old driving, but they would charge me a much higher excess on it. (Two different rates for that, I think, depending on how long the licence had been held) You better make sure you have coverage in the event an under 25 year old drives. I know for certain that I have struck that out of my policy completely to ensure the cheapest rate possible. It could be your excess you are talking about? I know that if I had an under 25 driving my car, and they had an accident, then my company wouldn't pay out. Lo. |
Lohsing (219) | ||
| 386458 | 2005-09-07 07:42:00 | Hey. I'm planning to buy my first car soon, and i've gotta sort out insurance. First - i'm 18, Male, on Full L, with no problems on my record etc. If i got a pretty basic (1.5L etc) car for say $3000 - roughly how much would it cost PA? ANd say i got like a $8000 2L Turbo car, how much would it be then??! And could i get insurance under my parents name and they have it so i can drive it? Would this work out cheaper? o, and any recomended companies? Cheers a 2L turbo and your age, dude i would forget that. insurance would be through the roof. once you mention that you are 18 and have a turbo car, they automaticly think boy racers. a friend of mine was telling me that,he might aswell drive a porche around for how much insurance he pays for his turbo legacy. :rolleyes: if you did think of getting that turbo/bigger car, but dont want to pay as much insurance ,maybe getting something like an older holden vl or a vk would be cheaper insurance. not sure on that one though, it will suck some petrol, but it will go like crazy :thumbs: ahh but petrol isnt that cheap, so it might be wise to get a smaller car. up to you. |
Prescott (11) | ||
| 386459 | 2005-09-07 08:05:00 | yea, i think all along i've new all this... just didn't wanna admit it! Im looking at a 97 1.8L Nissan Primera at the mo. thanks |
Fergie (6508) | ||
| 386460 | 2005-09-07 09:54:00 | How about *shock horror* no insurance at all? I mean, drive carefully, keep it locked up at night, and alarmed, and you'll minimise the risk of it being pinched or smashed . If someone smashes you, sue them/their insurance company . I don't know exact figures, but it's obvious to assume that insurance companies play the odds, ergo you're unlikely to lose money in the mid-term by not insuring even if the car does get stolen or written off eventually . Not recommended, as potentially you could cause hundreds of thousands of dollars of damage (e . g . properties, wiping out parked cars) and be liable . |
gibler (49) | ||
| 386461 | 2005-09-08 03:56:00 | HIJACK I'm charged extra because my cars a turbo, But it's a turbo diesel, surely not the same thing, as i don't see many boy racers with Diesels, is this right? I mean a turbo on a diesel car just boosts the performance to a similar level as a non turbo petrol car, not exactly hoon city or is "turbo" a bogey word for insurance companies |
Morgenmuffel (187) | ||
| 386462 | 2005-09-08 04:31:00 | I'd raise that point with your insurance company. I'd say you were served by someone who had been told to simply put a higher premium on anything with the word "turbo" in it. Lo. |
Lohsing (219) | ||
| 386463 | 2005-09-08 04:44:00 | Fat chance getting a insurance company to change its policy to suit, The rule is likely set in stone to curb the ability of any human workers to accomidate the customers, taking into account how the profit line can be hurt by that level of service. As for it a turbo boosting it up to the level of a non-turbo petrol car....fat chance of that, we have a whole fleet of modern and older turbo'd deisels (cars ,vans,utes etc ) Even the brand new ones are clanky slow piles of crap..... |
Metla (12) | ||
| 386464 | 2005-09-08 05:17:00 | I would not be impressed if the recipient of this advice took it and subsequently was at fault in an accident. Someone gives a stuff whether or not you're impressed??? :confused: :D |
Greg (193) | ||
| 386465 | 2005-09-08 05:50:00 | HIJACK I'm charged extra because my cars a turbo, But it's a turbo diesel, surely not the same thing, as i don't see many boy racers with Diesels, is this right? I mean a turbo on a diesel car just boosts the performance to a similar level as a non turbo petrol car, not exactly hoon city or is "turbo" a bogey word for insurance companies Is it third-party fire & theft or comprehensive? What is the make and model? Does it have mags, a premium stereo system, spoiler/air dam, other significant non-standard modifications? Do you have a clean driving record? What is the insurance company? I used to sell insurance as one of my dud jobs, and there was nothing about turbo diesels that made them more expensive. |
vinref (6194) | ||
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