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Topic: insurance question
Fubar
Posts: 77
Location: Brisbane, Queensland
i have paid for a years insurance upfront what happens if i sell the vechile do i get a portion of the insurance back or not???
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CeMaX
Posts: 186
Location: Brisbane, Queensland
^ haha!
giririsss
Posts: 2395
Location: Brisbane, Queensland
Yes, you do.

You just have to write to your insurance company and ask them to cancel the policy. It's an idea to include a proof of sale, as this may make them void any cancellation fee's they might charge you.
Spook
Posts: 18285
Location: Brisbane, Queensland
yer, u just get it back
ara
Posts: 1089
Location: Sydney, New South Wales

Yeah, when i have done it i didn't even need proof of sale, just needed to ring up and cancel it. That was with NRMA (RACQ in brisbane).

^ haha!


^ haha! noob.
scuzzy
Posts: 12556
Location: Brisbane, Queensland
<3 Paying by the month
mission
Posts: 3096
Location: Brisbane, Queensland
You love paying extra for your insurance when you don't have to?
scuzzy
Posts: 12558
Location: Brisbane, Queensland
You love paying extra for your insurance when you don't have to?
If you mean me, then my insurer (shannons) doesn't charge any extra for by the month payments...
infi
Posts: 5533
Location: Brisbane, Queensland
one way or another you're paying for it...
scuzzy
Posts: 12559
Location: Brisbane, Queensland
one way or another you're paying for it...
I guess I completely miss what you two clowns are on about.
giririsss
Posts: 2396
Location: Brisbane, Queensland
i think infi is sugesting that just by taking shannons you're paying for it.
Fizzer
Posts: 525
Location: Brisbane, Queensland
scuzzy i thought you were < 25? When i rang up shannons they wouldn't insure me cause they don't insure the youngins.

Spoiler:
what ninja edit


last edited by Fizzer at 11:44:23 12/Apr/07

last edited by Fizzer at 11:45:13 12/Apr/07
Mr Hardware
Posts: 1706
Location: Brisbane, Queensland
well if he is <25 then he could be insured by shannons
Fizzer
Posts: 526
Location: Brisbane, Queensland
lol hardware you chump you got me confused. I think you'll find that
scuzzy < 25 reads
scuzzy less than (the lil point is pointing to the smaller one) 25

Spoiler:
two hands for beginners

Mr Hardware
Posts: 1708
Location: Brisbane, Queensland
sry my mistake i cant remember my < from >
Fizzer
Posts: 528
Location: Brisbane, Queensland
Its ok i was like gah he's right! So i changed it then i realised you weren't :P
Mr Hardware
Posts: 1711
Location: Brisbane, Queensland
no worries
scuzzy
Posts: 12560
Location: Brisbane, Queensland
scuzzy I thought you were < 25?
Only by a year at 24, and for a Toyota Sera, there are very few full comp insurance options available. Gladly with a father in the motor industry, he tends to know a lot of people from various related companies, dad power contacts yo.
I think infi is sugesting that just by taking shannons you're paying for it.
By buying an less known import car I'd be paying for a lot of extra things over a regular car anyway, I expected to be hit with hilarious insurance costs, however my Shannon's quote is cheaper than my Just Car quote.

And on the same note of "Paying for it" I know someone who is with Just Car and is paying for it, three months later the f***wits still haven't fixed his car.

last edited by scuzzy at 12:10:40 12/Apr/07
Fizzer
Posts: 529
Location: Brisbane, Queensland
I'm currently with Just car for my '94 GTS skyline (naturally aspirated). I'm rating 1 and getting stung for $980 p.a. with $1500 excess on an agreed value of $15k.

It's the annual payments that s*** me the most - monthly would benefit me greatly but JCI doesn't seem to do it.

I'm 24 in Sep - so no one else seems to want to touch me.

Rang up suncorp after the last insurance thread and they want you to be atleast 25 as well.

I currently have house and contents with RACQ I don't know if i could somehow try to use that as leverage to have all my insurance with suncorp.

I'm yet to try that ryno insurance.

Insurance is coming up for renewal at the end of next month so I'm currently shopping around.

last edited by Fizzer at 12:49:08 12/Apr/07
Mr Hardware
Posts: 1712
Location: Brisbane, Queensland
not bagging you here, seriously, what prompted you to buy a natually aspirated skyline? I thought the whole purpose of skylines was the turbo.
mission
Posts: 3100
Location: Brisbane, Queensland
After you pay the next years insurance why don't you open an account and every month transfer the loot into that (980/12) so at the end of the 12 months you have the cash ready to go.
Fizzer
Posts: 530
Location: Brisbane, Queensland
not bagging you here, seriously, what prompted you to buy a natually aspirated skyline? I thought the whole purpose of skylines was the turbo.


Yeah fair call. Basically I didn't go out specifically looking for a skyline. I was just after a decent 6 - I saw a few BA XT's and that with a heap of k's on - the particular skyline seemed like the best option for my price range.

As far as NA 6's go I'm quite happy with it. In hindsight I prolly woulda saved the extra 5k or so and gone the turbo. But insurance was a concern (lol irony). In hindsight I can't say that I would get another import due to insurance and the fact that my alarm is playing up and can't get a replacement on account of me not speaking chinese :P

Mr Hardware
Posts: 1714
Location: Brisbane, Queensland
understood. I am also a big fan on NA 6s. I prefer my falcoon because of the ease of parts and they are a hell of a lot easier to fix/get someone to fix.

Also, age kills cars more than kays do.

I'd rather buy a 4 year old car with 200,000klms on the clock than a 12 year old car with 50,000klms.
Fizzer
Posts: 531
Location: Brisbane, Queensland
Well i'm currently putting about 50,000k's / year on my car so soon it'll be worth about $3 :P
Mr Hardware
Posts: 1716
Location: Brisbane, Queensland
wow, that's impressive! is that for work? If so, do you get Kilometre allowance?
If i was doing that many kays i would look to have the cheapest vehicle possible to run, own and maintain, that is one i could put up with. LPG Falcon i suppose. But then again, i've got my LPG falcon despite only doing a fifth of that. How does the car go on the fuel (L/100klms?)
Fizzer
Posts: 532
Location: Brisbane, Queensland
It's just to get to work and back :P. I was living and working down the Gold Coast. About 6 months I moved back to Ippy (lol) and bought a house.

I now commute each day. I get roughly 10k's / ltr. I'm now thinking that a lpg falcon would be the way to go but I'd sorta see it as a bit of a downgrade. Not to mention I've just forked out 2k for mags not that long ago.
Mr Hardware
Posts: 1717
Location: Brisbane, Queensland
10k's to the litre is excellent for a six city driving.

if its highway/ish then thats a bit average

an lpg falcon is a totally different kettle of fish than a skyline. downgrade in some areas yes. get ready to feel like you're driving and old man car
Fizzer
Posts: 533
Location: Brisbane, Queensland
Yeah I was talking about the highway. Logan mway and M1 all the way :P

And yeah lpg falcons just scream old man. Is yours an ex taxi? I hear you can have a heap of issues with them?
Fizzer
Posts: 534
Location: Brisbane, Queensland
After you pay the next years insurance why don't you open an account and every month transfer the loot into that (980/12) so at the end of the 12 months you have the cash ready to go.


Yeah i pretty much try to that every year :P
whoop
Posts: 11165
Location: Brisbane, Queensland
Do N/A skylines have pretty much bugger all power? being only what 2.something litre? I dunno, never driven one only going by what I was told when I went looking for one.
infi
Posts: 5545
Location: Brisbane, Queensland
yeah don't get me wrong scuzzy, service on claims is very important. in the end if you are happy with the price on a value for money basis why quibble over a few bucks, when you know your claim will be processed quickly.
existence`
Posts: 6167
Location: Brisbane, Queensland
cemax is a burt cockstain wannabe groupie

i see burt at many jobsites, he thinks hes a big boi in his work truck

LOL!
orbitor
Posts: 7250
Location: Brisbane, Queensland
whoop: they aren't too bad - 2.5L RB25DE is still a decent engine, with 140kW.
So an R33 GTS nonturbo would be approx. as quick as a regular falcodore, especially one from the same era.
Fizzer
Posts: 536
Location: Brisbane, Queensland
whoop: they aren't too bad - 2.5L RB25DE is still a decent engine, with 140kW.
So an R33 GTS nonturbo would be approx. as quick as a regular falcodore, especially one from the same era.


I have nfi about specs but I'd assume the skyline is a fair bit lighter. Definately feels lighter (namely in the rear) and tends to launch at the lights.
Mr Hardware
Posts: 1722
Location: Brisbane, Queensland
Well a 1994 Falcon (ED) Is 149kw and about 1400kgs
Or a 1994 Falcon (EF) Is 157kw and about 1500kgs
What's a 94 skyline? (i have nfi too)

So an R33 GTS nonturbo would be approx. as quick as a regular falcodore, especially one from the same era.
Finally someone who thinks right.

Is yours an ex taxi? I hear you can have a heap of issues with them?
Yes, mine is an ex-taxi. I used to be a taxi mechanic so I know what issues to look out for. I bought one of the cars I looked after cos I knew it was gold. Most ex-cabs are orange steaming piles of knackered poo. But mine was a good one, for lots and lots of different reasons which I can list but i suspect no-one wants to hear.
Fizzer
Posts: 537
Location: Brisbane, Queensland
Best i can tell from a google search a gts is about 1390kgs.
Mr Hardware
Posts: 1724
Location: Brisbane, Queensland
so pretty similar to an ED then, power and weight. The only thing the ED would have an advantage on is the ED has about 350nm of torque whereas the skyline would only have about 220nm. Big difference in whether you have to wind the revs up to get it moving or not.
Fizzer
Posts: 538
Location: Brisbane, Queensland
Yeah skyline redline is quite a bit higher than the 4k on falcons and shiz (Think its about the 7/8k rpm) Can't remember exactly but i remember thinking jeez this revs hard :P

I'm by no means anti ford. I had a zj fairlane with a 302 previously and would prolly go a xr6 turbo over a GT-R or something.

Spoiler:
rename thread to skyline vs falcons kthnx
Mr Hardware
Posts: 1725
Location: Brisbane, Queensland
yeah, about 5 and a half grand on a falcon usually.
3-oh-2 powered ZJ Fairlane eh?

http://msnbcmedia4.msn.com/j/msnbc/Components/Photos/070129/070129_borat5p.hmedium.jpg

"VERY NAICE!"
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