***NOTE ABOUT INSURANCE***

[Scorched_onion]

Got a new car, my dad was insuring it for me. I had just read this whole thread and was like lol never going with state then. Dad rings the insurance company trying to insure my car (i dont know what insurance company hes with) and they call me because my car is under my name and they need my permission to talk about it with him etc. So im like cool, then the person is like "hello its blahblahblah here from STATE insurance........"



Fuck

[Xt1ncT]

Got a new car, my dad was insuring it for me. I had just read this whole thread and was like lol never going with state then. Dad rings the insurance company trying to insure my car (i dont know what insurance company hes with) and they call me because my car is under my name and they need my permission to talk about it with him etc. So im like cool, then the person is like "hello its blahblahblah here from STATE insurance........"



Fuck

One piece of advice. Make sure the insurance is in your name, and you are named as the main driver.

If you're not, and there's a claim, there's a good chance it will be declined due to non-disclosure. The cover will be more expensive, but otherwise you're actually just throwing money away - and if you want to do that, throw some over here

[Scorched_onion]

One piece of advice. Make sure the insurance is in your name, and you are named as the main driver.

If you're not, and there's a claim, there's a good chance it will be declined due to non-disclosure. The cover will be more expensive, but otherwise you're actually just throwing money away - and if you want to do that, throw some over here

Yeah we tried to do that but they wouldn't because of my age for some reason, so we had to do it under his with me being a driver. And i have a $1000 excess.

They're pretty strict considering its only an AE101 1.6L 4AGE which has an alarm with an immobilizer.

[vedds]

YEs but the risk isnt of it getting stolen...

[private_hell]

arent you only early twenties onion?

[Spigalau]

arent you only early twenties onion?

From his profile - Date of Birth - May 6, 1995 (15)

[private_hell]

well if hes 15 no wonder they arent going to insure the car under his name

[Spigalau]

well if hes 15 no wonder they arent going to insure the car under his name

Yep - also that engine doesn't help, 20 valve, vvt, all adds to the risk profile. Hell if was me, I wouldn't want that liability on my books.

[Xt1ncT]

Yeah we tried to do that but they wouldn't because of my age for some reason, so we had to do it under his with me being a driver. And i have a $1000 excess.

They're pretty strict considering its only an AE101 1.6L 4AGE which has an alarm with an immobilizer.

As I said, make sure you are noted as the MAIN DRIVER, not just a driver.

Big difference come claim time.

[Scorched_onion]

Yeah its 20v vvt but its only like 157hp, probably at the crank not even the wheels. I could understand if it was like a 2l turby but a naturally aspirated 1.6?

Oh well, and Xt im pretty sure im a main driver, will check though. Cheers.

YEs but the risk isnt of it getting stolen...

Its still a risk which the insurance company will have to pay out for...

[Benji77]

I've had no troubles with state. But am now with a different provider.

AA wanted double what I pay now.

[vedds]

But the them the real exposure is of you fucking up a merc or some other really expensive motor through inexperience and irresponsibility. The cost of replacing your car is fuck all int he scheme of their risk assessment.

[Spigalau]

Yeah its 20v vvt but its only like 157hp, probably at the crank not even the wheels. I could understand if it was like a 2l turby but a naturally aspirated 1.6?

Sadly, they treat VVT in the same way that they treat Vtech - barge pole.

[Scorched_onion]

Ah true, so its just my age then doesn't matter what kind of car?

[vedds]

That's the major factor, but I'm sure the car comes into it.

[Ngati_Grim]

Young fuckwits and cunty cars...yep...it's your age indeedy


Love my car. Old fuckwit and decent car. No need to speed however, just going 50 gives us a buzz.

Oh yeah, have insurance anyway, much as I hate the bloodsucking bastards (sorry XT, it's how I feel...are you well off,or poor?)

[danmct]

i went with a broker, agreed value and glass cover etc, no roadside rescue or breakdown. car has factory immobilzer (holden commodore). mags, body kit, hot motor, sub n amp etc etc. im in my mid 20's

 car garaged in locked and alarmed garage(has various farm things in it) in north canterbury. used to be with state $780 premium $1300 excess, broker got me $520 premium and $300 excess... i is happy.

inlaw's with AMI and they tried to get insurance for my mrs on thier 03 ford escape 3lt v6, wasnt happening, tried for me ... again not happening. we gave them the insurance poliy numbers of other companies i had with my 99 wrx sti ra, and 94 gtb and my commodores. they said no we still cant ensure you for the escape..... we was like WTF, weve had no accidents or claims ever and they still said no

[BerG]

Damn, I just did the State online quote thing and it came out cheap as.

And it allowed me to set my own value for the vehicle rather than market value?

[danmct]

Damn, I just did the State online quote thing and it came out cheap as.

And it allowed me to set my own value for the vehicle rather than market value?

 
must have changed since 2 years ago

[mattnz]

It wasn't an issue setting the value for my car, the issue was changing it.

[Scream]

But the them the real exposure is of you fucking up a merc

Hit my merc, and I'll bash you at school bru.

[Scorched_onion]

I don't think you would be very amused if I hit your merc....

[Scorched_onion]

Lol at the "club auto" insurance ad advertising cheap insurance for modified cars when they have a stock Lotus Elise in the background. Would definitely put me off them straight away if i was looking for insurance with a modded car.

[mattnz]

Er, probably because you will probably struggle to get insurance for an Elise from a mainstream car insurance company derp.

[DeeUnit]

He's 15, leave him alone.