who drives WITHOUT insurance? poll

[loxxr6]

Arguing with you Rick is like masturbating with sandaper. It's painful and not good for you but it's just not possible to stop.

lol

Car didnt make it all the way to the house though, it was an AU wagon beached on the rock garden (the underside would have been screwed) but not before taking out all the powerlines etc by taking out the support cable for the telephone pole.
If (s)he wasnt insured its going to be HUGE $$$. Police, 2 fire trucks, electical guys, amblance, damage to the yard. Thats going to be a big bill.

That's one bill I wouldn't want.

I came close once to hitting a house once but instead swerved after i went thru their front gate and slid across the lawn to their dividing fence.....I was told a cop either/was a family member of the person who owned the joint. My old man fixed their fence so they were happy.

[Sox]

Originally Posted by XA Coupe

Arguing with you Rick is like masturbating with sandaper. It's painful and not good for you but it's just not possible to stop.

Stop? I haven't even started yet, some people just can't accept other views, they'd rather have a mass debate......

What you don't realise is, I don't care whether you think I'm right, wrong or in between, as I'm simply putting forward a different view, you either like it, or not.
I know I won't lose any sleep because you (or a thousand others) have a different view to me.

Rick.

[RED_EL_XR8]

Originally Posted by Sox

Stop? I haven't even started yet, some people just can't accept other views, they'd rather have a mass debate......

What you don't realise is, I don't care whether you think I'm right, wrong or in between, as I'm simply putting forward a different view, you either like it, or not.
I know I won't lose any sleep because you (or a thousand others) have a different view to me.

Rick.

Good on you! you are entitled to an opinion! I agree with some of what you said and disagree with other parts agreed with a most of what XA said too.

You have presented your arguements with some reasoning behind them unlike some of the manic mumblers.
Stick to your guns, there is a bid difference between stong opinions and fanatacism, I wish a few around here could understand that,there is no harm in strong debate.

[XA-Coupe]

Originally Posted by Sox

Stop? I haven't even started yet, some people just can't accept other views, they'd rather have a mass debate......

What you don't realise is, I don't care whether you think I'm right, wrong or in between, as I'm simply putting forward a different view, you either like it, or not.
I know I won't lose any sleep because you (or a thousand others) have a different view to me.

Rick.

One thing about you ... you are unique.
You obviously misread what I posted .. I don't want to stop you .. way too much entertainment in it.

[GT 8888]

I have a question......does the sandpaper need to be used ??

[RED_EL_XR8]

Originally Posted by xr8888

I have a question......does the sandpaper need to be used ??

I cant speak from experience on this one, but you would probably get similar results with a fresh sheet of sandpaper! sleep: Maybe someone who knows their grits could comment. :

[the_scotsman]

LMAO...this has been one very interesting read...
Just one question...I am confused....
Are you guys talking about NO INSURANCE??? not even Third Party????
Im sorry but thats ****in mad! Its compulsory in NSW I know that much, so does my wallet! I wouldnt have it any other way though!
I am lost for words....I absolutely CANNOT understand why it is not compulsory to get at least 3rd party!?!?
For all you ignorant selfish tight **** so-and-so's please get off our roads! Thats just crazy!

[Casper]

Originally Posted by the_scotsman

Its compulsory in NSW I know that much, so does my wallet! I wouldnt have it any other way though!

The compulsary portion you refer to is for personal injury only. It will not cover you for anything else. So if you crash into a house and injure the occupants, their medical is covered but you are paying for EVERYTHING else... including the house.

[the_scotsman]

Ah ok I see, thats where I got confused...I do have 3rd party property, THAT should be a minimum at least!

[bindi]

XA Coupe,

Your avatar is friggin painful to look at!!!

[GreenMachine]

Rick:

OK, I accept that this dude will "self insure" to a certain extent, and I see where he's coming from. From memory, you said he had something like 5 vehicles. Let's call seriously expensive insurance on those $5000 a year (i.e. $1000 per vehicle)... So over 10 accident free years, he's banked $50,000, enough for a fairly decent write off of another vehicle. But what happens if he crashes in to a house, as mentioned above?

He could easily cause $100,000 worth of damage. He could cause 400,000 worth of damage, come to think of it. I highly doubt that even the most docile bank manager would lend an extra 100k to pay for accident damage. This basically leaves him with 2 options: Strip assets or declare bankruptcy. What if there isn't enough to cover it?

Do you see that it's not actually a matter of him taking on a risk, rather a matter or him putting others at risk?

[Pearly]

I don't go without it.

It's cheaper and easier for me to pay insurance premiums than is it to worry about something happening.

[neb]

hey guys.. you will all be happy to know this thread inspired me to get insurance again... i now have third party fire and theft cover on my car starting from today !

[FTE217]

Some good posts here compared to too many useless threads.
Me I'm always insured.....I will have to tell my son when the time comes go to Bunnings and get wet and dry, spare the embarassment going to the chemist asking for ky gel LOL

[RED_EL_XR8]

Originally Posted by the_scotsman

Ah ok I see, thats where I got confused...I do have 3rd party property, THAT should be a minimum at least!

That's a common mistake with you latter day convicts, :Reverend: its a little different to the UK system. And yes your right 3rd party property should be the minimum, I know of more than a few English that mistakenly thought they were insured for property damage. :

[TheSneakiness]

Originally Posted by neb

hey guys.. you will all be happy to know this thread inspired me to get insurance again... i now have third party fire and theft cover on my car starting from today !

Good to hear neb. I wish others would follow suit if they don't happen to have insurance.

[jabba]

Originally Posted by neb

hey guys.. you will all be happy to know this thread inspired me to get insurance again... i now have third party fire and theft cover on my car starting from today !

That is a very smart and responsable Neb... :

I am glad that this thread has had an impact on you and others.

Matt

[UNR8D]

i pay just on $2100 full comp all mods disclosed with JUST CAR for full comp, piece of mind really.

[Chucky]

Originally Posted by neb

hey guys.. you will all be happy to know this thread inspired me to get insurance again... i now have third party fire and theft cover on my car starting from today !

One of the best things I think I've ever read on a Forum. Well done mate.

Ripping thread guys & gals.. Top reading..

For myself I've been driving for 12 years & have always had full comp on all my vehicles. Should be no other option IMO...

[Yaw]

Originally Posted by neb

hey guys.. you will all be happy to know this thread inspired me to get insurance again... i now have third party fire and theft cover on my car starting from today !

Good on you mate.
Great to hear this.
You deserve a big pat on the back.



Hey guys I think we achieved something here

[XA-Coupe]

did anyone in melbourne see the car into a house in reservoir last night ??

Neb .. well done ... you may never need it but if you do you will be thankful of it !

[RED_EL_XR8]

Neb gets this weeks Green Elephant stamp, for caring and attention. !! :evil_laug

[DivHunter]

I was paying ~$3300 for the Ghia full comp... worth every cent :P

[deankdx]

good to see some people are learning from this thread. (good on ya BEN )was talking about it to a couple of work mates and another said he can't get insurance due to drink driving offences, and speeding offences. high risk, but so far no accident. he doesn't like the situation but has to put up with it.

[T_Terror]

Originally Posted by deankdx

good to see some people are learning from this thread. (good on ya BEN )was talking about it to a couple of work mates and another said he can't get insurance due to drink driving offences, and speeding offences. high risk, but so far no accident. he doesn't like the situation but has to put up with it.

Even more interestingly is whether you can manage to get insurance on your car deankdx!?
What do the insurance vultures have to say about Lexus powered XFs?

[neb]

thanks for the elephant stamp! glad i made some people's day! it does feel good to have some insurance again! i had to go through just car insurance because of the mods to my car. they are pretty good, they allow unlimited mods as long as they are legal. but you have to tell them every modification. also i think they calculate the cost of your insurance on how many mods you have... its costing me $655 for third party fire and theft which i thought wasn't too bad.

[deankdx]

Originally Posted by T_Terror

Even more interestingly is whether you can manage to get insurance on your car deankdx!?
What do the insurance vultures have to say about Lexus powered XFs?

hence the thing sits in the yard most(99.5%) of the time, it is still registred as a six and has third party property Damage cover., an engineer has inspected it and it will pass, but needs the roadworthy issues to be fixed so he can do the roasd tests(brakes and suspension) the only mods are lowered,tints,CD player,duel fuel(might not keep as mixer is a restriction) and lexus motor and auto. shouldn't be a problem for some form of propper insurance
no extractors(yet) no extra performance stuff etc. if i did happen to have an accident on the at this stage rare occasion i dive it, theres a good chance they wouldnt need to see my car anyway. there is plenty of engine transplanted cars getting around with insurance once they are engineered, cost may be a little more but thats to be expected.

[Uncle_Ken]

Its a pain but you got to pay.
To ensure my second car for an under 21 driver in NSW (he had 1 small prang just after getting his P's) would have cost me $3,500 a year for full comp.
So I bought him an EA Fairmont instead for $1,500 and made him get third party property as well. He reckons he's saving me $$$ now.
Uncle_Ken

[Sox]

Originally Posted by XA Coupe

One thing about you ... you are unique.
You obviously misread what I posted .. I don't want to stop you .. way too much entertainment in it.

Cool, entertaining is good.... ing_sm

Rick.

[LTDHO]

26 = No
181 = Yes

I can't believe the 26 that don't. You will be screwed reallybad one day. I know you've heard the line 'what if you hit a mercedes' but think it will never happen to you. I've seen it happen that often where people are in serious debt and their lives turn to SH1T because they couldn't afford TFT (third Party Fire Theft) insurance.

On my cheapest car I still had TFT, even if insurance is $300 and the car is worth $1500, it is better than owing $100,000!
Insurance also gives you $1,000,000 for liability. That's if you cause damage indirectly. If you are uninsured you don't have this either. Don't think of the car you hit, think of the damage it causes, especially to business. $1,000,000 is easy to add up too!