Insurance for beginners?

**Neshi** · 21st January 2010, 20:03

does full coverage really cover all, or should one take 3rd party, fire and theft also?

**Sauerkraut** · 21st January 2010, 22:21

Thanks for the info everybody. Will be making some calls and getting some quotes!

**Mully** · 22nd January 2010, 08:36

Originally Posted by Neshi

does full coverage really cover all, or should one take 3rd party, fire and theft also?

Full cover includes 3rd party, fire and theft (unless the policy specifically excludes it, which is unusual)

**Neshi** · 22nd January 2010, 11:24

thanks mate

**KelvinAng** · 26th February 2010, 14:51

Originally Posted by DangerousBastard

Hands up who has had this HAPPEN to them.

ANYONE?

Steve

Somewhat related story but doesn't apply in NZ:

Mate in Singapore was involved in a multi-car accident involving one (or was it two) Mercedes and two or three other vehicles. Total damage incurred: $160,000. He had insurance but the insurance company isn't paying out apparently due to a technicality in the fine print or something like that (not sure of the exact details).

**Cayman911** · 26th February 2010, 14:55

Vero is the cheapest by Faaaaaaar for motorcycles.

full coverage for my bike cost $325 a year. and a $500 excess because im under 25. check them out

**Oscar** · 26th February 2010, 15:02

Originally Posted by Cayman911

Vero is the cheapest by Faaaaaaar for motorcycles.

full coverage for my bike cost $325 a year. and a $500 excess because im under 25. check them out

(sigh) If you buy insurance by price, you'll get what you pay for.

**SMOKEU** · 26th February 2010, 18:54

NAC is cheapest. And they pay out quite easily as well in the event of a claim.

**Cayman911** · 26th February 2010, 20:38

Originally Posted by Oscar

(sigh) If you buy insurance by price, you'll get what you pay for.

Not necessarily true.example is my car. was with state for a year, then decided to change, had a looked around. AMI wanted $700 less a year than state. and guess what happend then? i changed.
and im much happier with ami if anything. i was paying $700 more for state to be more stingy.

**Oscar** · 26th February 2010, 20:41

Originally Posted by Cayman911

Not necessarily true.example is my car. was with state for a year, then decided to change, had a looked around. AMI wanted $700 less a year than state. and guess what happend then? i changed.
and im much happier with ami if anything. i was paying $700 more for state to be more stingy.

Have you made a claim with both companies?
If AMI refuses to pay your next claim, how cheap will they be then?

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