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The Pub For General Automotive Related Talk |
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#1 | ||
What a performer!
Join Date: Jul 2005
Location: SA, Northern Suburbs
Posts: 599
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G'day all,
After summing up my options i've come to the conclusion that JustCars is a huge rippoff ($1450 excess 3rd Party F&T when market value is $2900) so i've decided to go on the cheap with SGIC with just third party. Now they won't cover me if I have a body kit, but if I hit someone as far as I know (and have been told) they won't check my car at all, just the damage to the car I have hit to assess it. Is this accurate?
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1981 Ford Laser KA :: E5 :: 2002-2003 1989 Ford Laser KE TX3 :: BP :: 2003-2007 75fwkW 1990 Ford Laser KF TX3 :: BP :: 2010-2011 1991 Ford Laser KF TX3 :: BP-T :: 2011-2015 109fwkW 2007 Ford Falcon BF XR6 Turbo Ute :: Barra 245T :: 2014-2019 324rwkW 1998 Ford Falcon AU XR8 Ute :: Windsor V8 :: 2019-2020 2008 Ford Fiesta XR4 :: Duratec 150 :: 2021-* 1998 Ford Falcon AU XR6 :: HP Intech :: 2021-* |
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#2 | ||
FF.Com.Au Hardcore
Join Date: Jan 2006
Posts: 735
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If you write off a Bently or Rolls, there's a good chance they might check the car over to try and get out of paying. I know if I was an insurance company, and I was facing having to pay out a huge sum of money, I'd make whatever inquiries necessary to avoid paying.
Big risk, which could ruin your insurance rating. |
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#3 | ||
What a performer!
Join Date: Jul 2005
Location: SA, Northern Suburbs
Posts: 599
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Risk indeed, although I just had a stroke of genius.
If I hit a car, I remove the kit and put standard stuff back on.
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1981 Ford Laser KA :: E5 :: 2002-2003 1989 Ford Laser KE TX3 :: BP :: 2003-2007 75fwkW 1990 Ford Laser KF TX3 :: BP :: 2010-2011 1991 Ford Laser KF TX3 :: BP-T :: 2011-2015 109fwkW 2007 Ford Falcon BF XR6 Turbo Ute :: Barra 245T :: 2014-2019 324rwkW 1998 Ford Falcon AU XR8 Ute :: Windsor V8 :: 2019-2020 2008 Ford Fiesta XR4 :: Duratec 150 :: 2021-* 1998 Ford Falcon AU XR6 :: HP Intech :: 2021-* |
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#4 | |||
Burnin Rubber
Join Date: Jan 2005
Location: Melbourne, Victoria
Posts: 1,824
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Thats inciting an illegal act which should not be publicly commented on in this forum.
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2001 AUII Forte (LPG) K&N Air Filter Tickford Air Intake ***Coming Soon: Clear Side Repeaters*** Quote:
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#5 | ||||
Previously ScottishXC
Join Date: Jun 2005
Location: Sydney
Posts: 2,100
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Quote:
![]() In my humble opinion, insure with someone who will cover your car fully- a supposed brainwave will probably have been covered by every insurance co under the sun! You stand to lose way more than they do!
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Great transactions with the following members: BJ Gilesie XAGTCoupe Pilch Aussie_afroman Donut King Bad Boy Benny BAWITHLOT Greenmachine Pinkbits CUZ351 OhioXB Falconunbelievable 4VXC Uncleraggy FG G6 Ego, tech pack, Tropic gold 1973 Landau, Cosmic blue 1975 P5 LTD....long term project Quote:
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#6 | ||
What a performer!
Join Date: Jul 2005
Location: SA, Northern Suburbs
Posts: 599
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Fair argument, but as I see it one of three things will die. Front bar, rear bar or a sideskirt. Could say that said part was no longer attached to the car on impact, and was thrown away.
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1981 Ford Laser KA :: E5 :: 2002-2003 1989 Ford Laser KE TX3 :: BP :: 2003-2007 75fwkW 1990 Ford Laser KF TX3 :: BP :: 2010-2011 1991 Ford Laser KF TX3 :: BP-T :: 2011-2015 109fwkW 2007 Ford Falcon BF XR6 Turbo Ute :: Barra 245T :: 2014-2019 324rwkW 1998 Ford Falcon AU XR8 Ute :: Windsor V8 :: 2019-2020 2008 Ford Fiesta XR4 :: Duratec 150 :: 2021-* 1998 Ford Falcon AU XR6 :: HP Intech :: 2021-* |
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#7 | ||||
Cuban... nothing like it
Join Date: Dec 2004
Location: Watching in amusement
Posts: 11,643
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Quote:
This is not the place nor do we condone this action If you want to screw around with the law then do so at your own risk and refrain from publicising it on the forums There are enough fewls driving around without insurance to start with, if you cannot afford to insure it, then you should not be driving it.
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#8 | ||
Focus on my Focus
Join Date: Dec 2005
Location: Canberra
Posts: 820
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Why not try some of the "regular" insurance companies. Sometimes they arent as expensive as you'd think. In my case they are even cheaper than Just Cars and Shannons, although I do drive a stock car.
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Now: 2006 Ford Focus LX Manual in Satin White Wife: 2013 Kuga Titanium in Frozen White Then: 1990 Ford Laser - Assasinated by a 76 year old man who failed to give way. Now normally when we have these races, Jeremy goes in the car and says "Powerrr" alot.... - James speaking about Jeremy (Top Gear S7 E05) American parts... Russian parts... ALL MADE IN TAIWAN! - Russian guy in Armegeddon |
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#9 | |||
The one and only
Join Date: Dec 2004
Location: Carrum Downs, Victoria
Posts: 9,053
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Quote:
When you insure your car it is a requirement that you tell them everything. Failing to do so gives them the right to deny your claim. This is fact and they tell you this when you open a policy. it is not thrown at you at the last minute so 'they can get out of paying'. Why is your excess so high? Most people look at their premium cost not excess.
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1992 DC LTDHO 360rwkw built by me Tuned by CVE Performance Going of the rails on a crazy train Other cars include Dynamic ED Sprint, Dynamic DL LTD, Sparkling Burgundy DL LTD, Yellow, Red & Blue XB sedan & Black XB Coupe
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#10 | |||
FF.Com.Au Hardcore
Join Date: Jan 2006
Posts: 735
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Quote:
Ofcourse the policy details are not only disclosed at the time of claim, but it is only at the time of claim that they will investigate truthfull disclosure. |
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#11 | |||
The one and only
Join Date: Dec 2004
Location: Carrum Downs, Victoria
Posts: 9,053
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Quote:
Regardless of what you hit. 1979 Gemini or brand new Benz. They do understand that accidents happen. Hence the reason EVERYONE should have insurance.
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1992 DC LTDHO 360rwkw built by me Tuned by CVE Performance Going of the rails on a crazy train Other cars include Dynamic ED Sprint, Dynamic DL LTD, Sparkling Burgundy DL LTD, Yellow, Red & Blue XB sedan & Black XB Coupe
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#12 | ||
Me-ow
Join Date: Jan 2006
Location: Central West NSW
Posts: 43
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Why is excess such a worry? Are you planning to have an accident? The way your talkin its like your plannin to get insured then go smash it up lol. Ring around its better to be safe that sorry Id never drive in an uninsured car..
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"Good girls go to heaven, Bad girls drive a Ford" |
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#13 | ||
Moderator
![]() ![]() Join Date: Feb 2005
Location: Kenthurst
Posts: 40,394
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So the excess is $1450 ... what's the actual "Premium" cost for 3rd Party F&T???
We all have to pay insurance ... I know it's hard when you are younger ... I had to pay a sunstantial amount each year to keep my car insured ... and seeing as it was through finance ... I had to pay a "Comprehensive" rate ... nothing less ... so you can imagine how much it would have cost. And I had a modified car as well. I just had to save each year for it ... wasn't easy but I managed it.
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#14 | |||
FF.Com.Au Hardcore
Join Date: Feb 2005
Posts: 1,042
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Quote:
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#15 | |||
Me-ow
Join Date: Jan 2006
Location: Central West NSW
Posts: 43
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Quote:
I have my excess saved up incase of emergency, well I did, tell I spent half of it lol but yeah I pay $1K a yeah for comprehensive insurance, not includin rego which is about $260 and whatever the compulsory 3rd party insurance will be my excess is $900. My cars not moded though..
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"Good girls go to heaven, Bad girls drive a Ford" |
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#16 | ||
Ford Fanatic
Join Date: Feb 2005
Location: Brisbane
Posts: 1,480
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I can only assume you are a younger driver having to pay an age excess on top of a standard excess. But if you consider the alternitive of what your suggesting and risk a claim being denied, is $1450 too much to pay or would you rather pay the entire damage yourself. For instance a late model falcon being rear ended may end up being easily $5000 to $10,000 to repair. I know which I would rather pay.
An excess is too keep everyones premiums fair it not just to "rip off" people. Younger drivers by way of fact from statistics have more accidents than an expeirenced driver. So an by having an excess it takes away the smaller claims like the shopping centre dings that may not cost so much but are more common hence costing more to the insurance company if they paid every claim a young driver had. The standard excess experienced drivers does exactly the same thing. It discourages a small claim.
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Everyone is entitled to my Opinion ![]() 2007 Territory TX SY RWD Ego |
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