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The Pub For General Automotive Related Talk |
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#31 | ||
FF.Com.Au Hardcore
Join Date: Jan 2008
Location: brisbane
Posts: 1,316
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Im in my sixties
I have been paying insurance since the seventies and never had a claim $100 for an AP5 Valiant valued at $600 in 73 and at the time I was earning $150 a week then i bought a 327 Monaro in 1975 and I paid $1750 for it yes thats correct in a car yard and the insurance was $1000 a year as it was classed as a sports car even though I was married with 3 kids I was still classed as a hoon with a sports car so todays insurance costs of $2000 for an 18 year old are pretty cheap in comparison today I pay $300 for the Mrs BA Ghia($20k) and $280 for my AU Monty($7K) and the midlife crisis car costs me $180 a year for the 66 T bird($15k) on club rego thanks john |
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#32 | |||
FF.Com.Au Hardcore
Join Date: Jan 2009
Posts: 622
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Quote:
Exactly. Saved since I was 14 too. (Must be a good time to start :P) But, yes Mick, I can afford the XR. And.. The Mods i've done to it, and the Mods I plan to do to it.. 2k+ Insurance is a little hefty for anyones standards don't ya think? Anyway, update is I got a very good price through QBE.. So now, cheaper insurance, which leaves money left over. Pacemaker 4490's here I come? ![]() |
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#33 | ||||
Life begins at 40
![]() Join Date: Jan 2005
Location: Melbourne. Socialist capital of Victoriastan.
Posts: 3,715
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Quote:
My advice is to sell it. Buy an XT or Futura if you really want a BA Falcon. Then after you’ve crashed it a few times and have a few miles under your belt, then get an XR6. I wouldn’t go thinking that you’re being hard done by either. The decision to basically price you out of insurance could be the one thing that stops you from killing yourself. When I was 17, I had the cash to buy an immaculate HZ GTS that had 65,000 k’s on her. My mother wouldn’t help me with insurance and had no option but to let it go. I was an apprentice mechanic and just couldn’t come up with the coin for insurance, so I couldn’t have the car. Simple as that. This probably stopped me from killing myself.
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Quote:
Justice is what you get when you run out of money.
Last edited by Full Noise; 03-07-2010 at 07:51 PM. Reason: Fixed typo |
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#34 | ||
Regular Member
Join Date: Apr 2006
Posts: 477
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It is excellent that you are conscious of the need to insure but if you have modded the vehicle and have more mods in mind then I trust you have notified those to your insurer otherwise any claim may be voided.
That said, impressive that you have saved and bought a relatively new and safe car prior to getting your licence. That shows both foresight and discipline. |
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#35 | ||
Sling Shot
Join Date: Jun 2009
Location: Canberra
Posts: 444
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Hey, Im 22 and I've got a 2006 BF XR6 Turbo. I'm with NRMA and I'm paying $2472 a year and my excess is $700. I don't know, I might have lucked out, but I just got the quote online, called up with the reference number, they asked a few questions and bang, all done. Nobody else listed as the driver, just me.
I went online to get quotes for many different companies, and NRMA gave me the best deal! You should do the same! Good luck! EDIT: Forgot to mention, its insured for $25,000 |
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#36 | |||
Sling Shot
Join Date: Jun 2009
Location: Canberra
Posts: 444
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Quote:
You say you can't afford the insurance, how can you afford all your modifications? Are your parents paying for everything? |
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#37 | |||
2008 BF Futura
Join Date: Sep 2005
Location: Adelaide, S.A.
Posts: 595
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Quote:
__________________
2008 BF Falcon Futura 2009 BF Falcon Wagon Dedicated LPG Previous Cars: 2003 BA Falcon Wagon Dedicated LPG 1999 Ford Fairlane Ghia XF Fairmont Ghia Escort MK2 RS2000 Replica |
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#38 | ||
GT Hardcore
Join Date: Jun 2007
Location: NSW
Posts: 889
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A lot of P plater bashing going on here this thread needs to be closed.
__________________
BF GT - 6spd ZF Auto - 292.8 rwkw 1/4 mile 13.385@ 108.32mph @ Willowbank 5/03/11. in Qualifiying STREET SERIES ROUND 7 http://www.fordforums.com.au/showthread.php?t=11295036 Cragsted Race Engines -http://cragsted.com.au/ BPR CAI , PACEMAKERS 4-1, BALLISTIC 100cell RACING CATS, CROW CAMS GTP, K LINE , XFORCE ,PSI VALVE SPRINGS, MANLEY H BEAMS, SRP PISTONS & RINGS, ACL RACE BEARINGS MELLINGS BILLET OIL PUMP, POWERBOND UNDERDRIVES, TT1-160 THERMOSTAT. |
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#39 | ||
FF.Com.Au Hardcore
Join Date: Nov 2009
Location: Ipswich, Qld
Posts: 1,354
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I think well done to you for having the ability to save...hell, I never did...and now I drive a pullstart...however, check out AAMI if you're still looking, with modifications, just cars is undewritten by AAMI (a little more expensive), but I've always found AAMI to have the cheapest premiums - and if you own your car outright, it should be a little cheaper again...good luck!
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----------------------------------------------------- 2012 Focus ST Tangerine Scream Continually having a battle of wits with unarmed opponents. Sez ![]() Photo's by Sez |
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#40 | ||||
Life begins at 40
![]() Join Date: Jan 2005
Location: Melbourne. Socialist capital of Victoriastan.
Posts: 3,715
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Quote:
Why should the thread be closed because you think that there’s “P plate” bashing?
__________________
Quote:
Justice is what you get when you run out of money.
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#41 | |||
Regular Member
Join Date: Nov 2008
Posts: 354
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Quote:
i pay just shy of $2k for my three cars only one of which is standard: My Pulsar SSS (1988) is listed under me with me as driver and all mods listed (exhaust, suspension, brakes, stereo, wheels) that is $560 full comp agreed value ($4,000, $1200 excess) My TRX Bluebird is as above, also all mods covered (twin SU's, extractors, exhaust, suspension, brakes, wheels, stereo, interior seats) that is $670 full comp agreed value ($6,500, $850 excess) And my EF Ghia is as above no mods is covered for the price of $745 market value, which is more then i could ever sell it for ($5,500, $1000 excess) All that is with AAMI (in Melbourne) Im only 20, but! some insurers give you discounts for completing driver training and what not i got a 15% decrease in my insurance and premiums by completing their driver training which was free... 'High risk' p-plate cars will carry high insurance and excess's, it is that simple, don't like it, don't own one. ![]() Good luck with the insurance hunt! |
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#42 | |||
Former BTIKD
![]() Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Quote:
__________________
Dying at your job is natures way of saying that you're in the wrong line of work.
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#43 | |||
FF.Com.Au Hardcore
Join Date: Oct 2005
Posts: 3,412
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Quote:
Maybe you should think about what you are going to say before writing it. |
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#44 | ||
FF.Com.Au Hardcore
Join Date: Sep 2008
Posts: 1,112
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Well firstly, just up the page the OP said he has his insurance sorted, so good work there.
Just an observation though: whats the point in owning an XR6 as a P Plater? Why not just drive an XT or Fairmont? With a few minor mods (wheels & suspention) you'll have immediately surpassed an XR6 performance-wise, but without (I assume) the huge insurance premiums. |
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#45 | ||
Thailand Specials
Join Date: Aug 2009
Location: Centrefold Lounge
Posts: 49,013
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Dad originally had me under his name on my car but AAMI told him I won't be covered if I have an accident, so its going up to $2040 a year now for my 09 Fiesta from $530...
I'm thinking of just getting an old banger, chucking on 3rd party insurance. |
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#46 | |||
Barra Turbo > V8
![]() ![]() Join Date: Jan 2005
Posts: 25,696
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Quote:
Moral to the story do your reasearch b efore buying simple.
__________________
-2011 XR6 Turbo Ute - Lux Pack - M6 -2022 Hyundai Tucson Highlander Diesel N Line |
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#47 | |||
FF.Com.Au Hardcore
Join Date: Sep 2008
Posts: 1,112
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Quote:
Insurance companies dictating what people drive makes me sick. This is a perfect example of a young driver being forced out of a totally sensible and safe, clean modern car, into some 'old banger' just because of insurance company statistics. Young drivers in modern non performance cars should have access to affordable insurance. |
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#48 | ||||
Life begins at 40
![]() Join Date: Jan 2005
Location: Melbourne. Socialist capital of Victoriastan.
Posts: 3,715
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Quote:
Having said that, I don’t back away from anything else I’ve said in the post.
__________________
Quote:
Justice is what you get when you run out of money.
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#49 | ||
FF.Com.Au Hardcore
Join Date: Feb 2005
Location: Sydney
Posts: 544
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If you put your car in someone elses name, and that person has no financial interest in its loss or damage, the insurer can legitimatly claim that their insured has no insurable interest in the car, and choose not to pay.
The principal issue is that while an insurable interest is not requried at the start of the poilcy, one is certinally needed when the loss occurs. Be careful. |
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#50 | |||
Regular Member
Join Date: Nov 2008
Posts: 354
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Quote:
my 2c's And further more, insurance companies don't dictate what people drive, people dictate what people can drive. And if you want the insurance companies not to see an XR as a non performance car, then tell Ford to stop marketing them as one. |
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#51 | ||
Starter Motor
Join Date: May 2010
Posts: 10
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It is interesting to see just how many parents feel that it is ok to have their child's car insured under their own names without having them listed as a driver. If the child is the registered owner of the car the insurance policy needs to be under their own name as a policy holder (the child is the one with the insurable interest - the rightful owner of the car, and the one who would get paid in the event of a claim).
Further to this while admittedly nobody likes paying insurance, it is a necessary evil. However all insurance companies have their guidelines that they operate by. And like any company does they will have 'target markets' determined through what they see to be acceptable risks and they will therefore price accordingly. If you get a quote off an insurance company that you find too high or unreasonable they do it for a reason. Chances are there is a company out there that is more suited to taking on your particular risk and will therefore charge a better premium. The bottom line here is that you need to be honest when you are insuring anything or else when it comes time to claim you will be in for a world of hurt. You don't want to be in a situation where you're insurance is treated as not having existed just because you didn't tell them that your child is actually a driver of the car. Good to see the P-Platers & Learners with so much common sense when it comes to buying safe modern cars and covering their buts when it comes to insuring them! Enjoy driving once your on your P's One Six! |
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#52 | |||
FF.Com.Au Hardcore
Join Date: Aug 2008
Posts: 1,128
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Quote:
__________________
GT 335 11.3@124.1mph 383rwkw/513rwhp Forced Performance Tuned |
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#53 | ||
BF XR6
Join Date: Mar 2007
Location: Western Australia
Posts: 1,809
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Deffinately think you need to get out of this thread full noise, nice P plater bashing.. we're only allowed to have an XT and we're going to crash it hey..
in the year ive had my BA ive put 1 2cm mark on the rear bar. by reversing into a bin full speed... (dumb ****).
__________________
BA Falcon XR6 [JS92WA]in Winter White, 6 Speed ZF - BF Tail Lights, Pacemaker Twin 2.5" catback DBA Gold Series Rotors, 5% tint >>ITS BACK - The REBUILD IS ON, BF 2 Ghia 3v V8 5.4L, Full Fairmont Ghia Interior with FPV GTP seats,Boss Bonnet,BF Front End, DJR 302 Rear Wing, BF steering Column with BF ignition and FG keys, << 2010 FG Falcon XR6 [XRLNT] in Lightning Strike, 6 Speed Auto - 15% Tint, Ipod, Bluetooth, Climate Control, custom plates, DJR 302 Wing |
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#54 | |||
FF.Com.Au Hardcore
Join Date: Jan 2009
Posts: 622
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Quote:
I really didn't expect this to go the way it has. And to be frank, let em' bash us all they want. I honestly couldn't care less. And for those who think I didn't factor it in? I bought it before my L's and rang the insurance people. The prices they gave were more than reasonable. It was the hidden stuff that popped up when I rang to change it to P's. Hence, I changed insurance. To Full Noise. XT, Fairmont, XR.. Exact same car minus Body Kit. And to be honest, I like the look of the XR's as i'm sure SeducedXR would agree. The interior, the body, all that blah blah.. XT's just not the same? And so what? Maybe we aim a little higher than other P platers? But good for us I say. Because I think it's the P platers like us, (Me and Seduced) That actually respect the cars they've worked their asses off for >_< For whoever, questioned mods. They've all been declared.. And for whoever asked if my Parents were paying for it. I say nopes. I'm still at school and I work every night til well past 9. So I can afford the few mods i've done, each of which I research before conducting them, so I know it's worthwhile. .. |
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#55 | ||||
FF.Com.Au Hardcore
Join Date: Jan 2009
Posts: 622
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Quote:
Thanks mate. And as i've said in a post or so above, the insurance issue is sorted, and i'll be keeping her, and looking after her. And yeah, as you said, i'd rather be in a modern car, not just for looks and comfortability (If that's a word o_O) But for the safety aspect of things as well, and without the chance of it dying on any given occasion. I know a few P platers, that have just stuck their cars under third party insurance. And some that haven't even bothered to do that. Which I think is a tad silly, not to mention unresponsible. You smash up another blokes car, and you've got third party. Fine. He's covered. But you? Not sure many P platers, have the money to replace a car, and if it's a decent car that they've outlayed a bit of cash for, then the repercussions of paying that back, could devastate them financially for years. I had to have Full Comp on mine. And I doubt i'd have had it any other way. Quote:
![]() Not too long now :P |
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#56 | |||
FF.Com.Au Hardcore
Join Date: Jan 2009
Posts: 622
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Quote:
![]() And yeah, all been declared, and noted. All when we changed insurers, we told them. |
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#57 | ||
Lucifer's Angel
Join Date: Dec 2004
Location: Sydney
Posts: 5,282
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Not sure where you're located, but have you also made sure that the mods you have/are planning are legal for you to have as a P plater?
__________________
![]() ![]() Blueprint, manual, 4490's, Redback 2.5" dual exhaust, BA Typhoon rims, tint, fog light covers, BF tailights, blue illuminated window switches, Ghia bootlid carpet, lower grille, FPV door spears, steering wheel & interior bits, XR6T + F6 intake, K&N filter, Typhoon spoiler, tuned, sway bars, custom angel eyes & plates..YUM!
If there's one thing guys in Holdens hate more than being beaten by a Ford... It's being beaten by a girl driving a Ford ![]() |
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#58 | ||||||
Life begins at 40
![]() Join Date: Jan 2005
Location: Melbourne. Socialist capital of Victoriastan.
Posts: 3,715
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Quote:
Quote:
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You could always try looking over your shoulder when you reverse.
__________________
Quote:
Justice is what you get when you run out of money.
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#59 | ||
Formerly XG-Panelvanman
Join Date: Apr 2005
Location: Im in Cranbourne,VIC.
Posts: 476
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hate to say it mate but get used to paying high premiums until your 25.
im 23 turning 24 in december and have a bog stock BAmk2 dedicated lpg wagon. im paying just shy of $1000 full comp with a rating 1. but the excess is still $900. death, taxes and bills. unless you win tattslotto, its never gonna get better
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My Ride: BA MK2 Wagon, dedicated LPG, white. modifications: cargo barriers, tow bar |
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#60 | ||
Thailand Specials
Join Date: Aug 2009
Location: Centrefold Lounge
Posts: 49,013
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Falcon, Fiesta or Jap Import, insurance is still going to kick you in the groin when you're 18, doesn't matter what you drive. Third party is cheap for us but who wants third party on their $15,000 car?
Insurance companies prefer we don't own or drive cars it seems. |
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