Silvia Club of NSW

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PostPosted: Fri Jun 16, 2006 4:38 pm 
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T28 Hybrid

Joined: Wed May 10, 2006 3:56 pm
Posts: 62
Location: Sydney
Car: Wanderer
Hey all,

I bought my slightly modded 200sx S14 in my dads name, and wanted to isnure it in his name also, but have a policy where anyone under 25 can drive the car with a larger excess. Comprehensive or even 3rd party im happy with !

PLEASE HELP ! Its a joke and it only a weekend car !!!!

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S14 200SX - S15 engine, front mount, exhaust, silver, kit, whiteline kit, pod, PFC, HKS inje, GT3071R, 240rwkw


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PostPosted: Fri Jun 16, 2006 4:50 pm 
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T88
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Joined: Mon Aug 09, 2004 12:09 am
Posts: 705
Location: Picton
Car: Silvia S13
Insurance usually goes on the youngest driver anyway so i dont think it would matter who was insuring it, if you were going to drive it...

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PostPosted: Fri Jun 16, 2006 5:06 pm 
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SilviaNSW Supporter
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Joined: Sun Aug 24, 2003 11:03 pm
Posts: 4219
Location: Sydney
Car: S15
I don't think a lot of people understand the concept of insuring their cars in their parents name.

You still need to let the insurance company know that you are driving it. It common sense.

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PostPosted: Fri Jun 16, 2006 5:08 pm 
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Quad T04

Joined: Mon May 06, 2002 11:21 pm
Posts: 1820
Car: GTI
just cars third party / and or fire and theft
easy.


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PostPosted: Fri Jun 16, 2006 5:15 pm 
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T88
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Joined: Mon Aug 09, 2004 12:09 am
Posts: 705
Location: Picton
Car: Silvia S13
I dunno if fire and theft is really worth the extra premium, i got a quote for my last car, $550 for third party, $780 for f&theft...excess was like $2600 or something rediculois with all the under 25 extras, and turbo car extras, and stolen car extras...then u get $5000 for the trouble...so only really get $2400 in the end, yes its money if u have an accident or get ur car stolen but its not really much in the end...

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I like to drive the car, not look at lines on paper :)


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PostPosted: Fri Jun 16, 2006 5:35 pm 
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Twin T51
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Joined: Mon Aug 29, 2005 12:47 pm
Posts: 1011
Location: Broken Hill
Car: freakin' mirage
hehe i understood before i even opened this thread

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PostPosted: Mon Jun 19, 2006 12:09 am 
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T28 Hybrid

Joined: Wed May 10, 2006 3:56 pm
Posts: 62
Location: Sydney
Car: Wanderer
Thanks people....

NRMA wanted $3978 for my dad as the owner and only driver, but any over 25 could drive it... that is why I put it in his name.

As im over 25 under most policies I can drive it and pay an extra excess even though im not nominated on the policy. But got it insured with exhaust as only mod for $950 for $15,000 value through my broker with myself and my shocking record on the policy.

Just Cars were painful so were vigil, thank god for my uncle who is my broker YAY !!!

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S14 200SX - S15 engine, front mount, exhaust, silver, kit, whiteline kit, pod, PFC, HKS inje, GT3071R, 240rwkw


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PostPosted: Tue Jul 04, 2006 12:52 am 
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Quad T88
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Joined: Mon Jan 24, 2005 6:18 pm
Posts: 3569
Location: Sydney
Car: S15
Wanderer wrote:
Just Cars were painful so were vigil


Vigil... They've lost my details 3 times, and when they finally logged them and all, they wouldn't insure my car.

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PostPosted: Wed Jul 19, 2006 5:30 pm 
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SilviaNSW Supporter
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Joined: Mon Nov 07, 2005 6:05 pm
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i got confused with it all as well but the way i understand it to work is this:

im under 25, and hence following the same train of thought i decided to put it under my mums name for cheap comprehensive. that was all fine but then they called my mum one day and informed her that if anything happened with an under 25 driver behind the wheel, we're not covered one bit! i thought it was just an excess that had to be paid also but thats only if the youngest driver is listed, and being an under 25 year old 200sx driver, im not covered at all by this large insurance company... so we've just decided to let the policy run through for the sake of theft and then decide on a course of action when its time to renew...

Also, this happened to my mate not too long ago...
he bought a 180, and it was the pride and joy of his life. but he only had it under 3rd party... so one night, it got stolen from outside his house in balmain and was found later totalled in a church. some 16 year old c$%@ stole it and went for a joy ride and put it through the wall of a church... he only got 5k out of it (fire and theft) and he'd just finished paying off the loan like the week before! he took the kid to court but didnt end up getting much out of him so lets just say that muther f#@$er has wat he deserves coming to him...

Moral of the story: get comprehensive no matter what. its not worth it unless your loaded.


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