PLEASE get yourself some insurance!

[Hanne]

Recently been trying to convince a friend of mine she needs to get insurance (her parents used to insure her car and now she reckons it's too expensive). Sent her the link to post 1 to have think about...

My sisters and I were not to go anywhere near our own vehicles until we had insured them and even though mum and dad are not the bosses anymore, that is one lesson that has stuck (especially after my sister's incident with brake/accelerator confusion and a little old lady's car that ended up resembling a milk bottle put out for recycling)

[hellokitty]

Recently been trying to convince a friend of mine she needs to get insurance (her parents used to insure her car and now she reckons it's too expensive). Sent her the link to post 1 to have think about...

My sisters and I were not to go anywhere near our own vehicles until we had insured them and even though mum and dad are not the bosses anymore, that is one lesson that has stuck (especially after my sister's incident with brake/accelerator confusion and a little old lady's car that ended up resembling a milk bottle put out for recycling)

That is something that my parents insisted on as well, and is a good habit to get into. I have always been insured, even if it was only 3rd party insurance at times.

[baptist]

I think the only valid argument is the insane prices when it becomes compulsory, look at the U.K.

So true, my nephew has just got his full car licence in the UK and the isurance he has to pay for a 1.2L is criminal it really is, but I still believe 3rd Party should be compulsory for all road users.

"When I was a lad" your annual rego had third-party insurance built into it, part of the cost of your rego was for the 3rd party ins.

One of our forward thinking governments decided to cancel that idea - but kept the money anyway...

As a POM I didn't know that, a good idea but as you point out another thing to be screwed up by Politicians.

I was a very un natural mother, not only did my kids cars have to be insured, they had to have the current excess in their bank accounts at all time, just in case

good for you.

[davereid]

News to me.

I have been labouring under the impression that:
If you are 3rd party insured and if somebody else was a fault and crashed into you and they were not insured it was bad luck for you...

No, thats not correct.

Most companies include cover for your vehicle if the other driver is at fault and you can identify them.

The amount of cover you get varies with the insurance company.

Via my insurance broker, I get market value.
AMI offer $3000.
AA is $4000.

AMIs policy document showing how it works is here :

http://www.ami.co.nz/Documents/Polic...e%20Policy.pdf

The bottom line is, that we have a great and low cost third party insurance system.

As long as YOU have negotiated the level of cover YOU need then you don't worry about the other chap.

And even if he is fully insured, whats the bet relying on his insurance will let you down ? He may be drunk, or unlicensed or operating outside the terms of his licence. and the claim will be declined.

So you will still end up reliant on the cover you purchased.

[Aristocat]

Completely agree Spud. People need to get their head around the consequences - before they have a massive bill. Young lady next door to me knocked my steed over in my driveway - she was uninsured. Also guilty of underestimating the repair costs of a bike being knocked over; now she's paying it off to my insurance company. Not a big deal for me other than I had no bike for December while we waited for paintwork etc; but (like you) I can't help but think that 3rd party starts to look real cheap real fast.

Unselfishly - glad to hear you're OK; hope you got your subsequent transport sorted out.

And selfishly - I'm glad you'd already unloaded my gear in Feilding - cheers dude

[Indiana_Jones]

News to me.

I have been labouring under the impression that:
If you are 3rd party insured and if somebody else was a fault and crashed into you and they were not insured it was bad luck for you...

I got hit by a drunk prick running a red and then did a runner.

I didn't get a cent from my 3rd party and his insurance wouldn't pay as he was drunk. Got told I'd have to drag it through the courts. Couldn't be shagged for the sake of a tired FXR150 so just flicked it off.

-Indy

[Indiana_Jones]

No, thats not correct.

Most companies include cover for your vehicle if the other driver is at fault and you can identify them.

Oh yeah, the chick on the phone at AMI told me that was only for cars....

Then again this was like 5 years ago now

-Indy

[HenryDorsetCase]

I got TP F T on a $2000 scroter (Suzuki AN125) for ~$13/mo

why does it cost more to register the fucker than to insure it?

why does it cost more to register it than put fucking petrol in it?

Why Jebus, why??

[HenryDorsetCase]

No, thats not correct.

Most companies include cover for your vehicle if the other driver is at fault and you can identify them.

The amount of cover you get varies with the insurance company.

Via my insurance broker, I get market value.
AMI offer $3000.
AA is $4000.

AMIs policy document showing how it works is here :

http://www.ami.co.nz/Documents/Polic...e%20Policy.pdf

The bottom line is, that we have a great and low cost third party insurance system.

As long as YOU have negotiated the level of cover YOU need then you don't worry about the other chap.

And even if he is fully insured, whats the bet relying on his insurance will let you down ? He may be drunk, or unlicensed or operating outside the terms of his licence. and the claim will be declined.

So you will still end up reliant on the cover you purchased.

Lawks a lordy, I had not even considered that. but you are of course right.

[Kickaha]

I got TP F T on a $2000 scroter (Suzuki AN125) for ~$13/mo

why does it cost more to register the fucker than to insure it?

why does it cost more to register it than put fucking petrol in it?

Why Jebus, why??

It's Gods way of telling you "DON'T FUCKING RIDE SCOOTERS"

[superman]

As a 19 year old male my 2L car costs me $170 3rd Party, and bike 3rd party $47. It's cheap as chips! (Though mine's with a no-claims bonus due to never crashing :P).

[Hanne]

As a 19 year old male my 2L car costs me $170 3rd Party, and bike 3rd party $47. It's cheap as chips! (Though mine's with a no-claims bonus due to never crashing :P).

Yeah, $4 month on our old GN250, 3rd party, fire and theft...

[Bullitt]

I had an uninsured driver do a 3 point turn in front of me on my Thruxton. Ended up with me hitting the car and the bike ended on its side without hitting the car.

Still the cost was $6,000 + $900 for the cellphone that was in my pocket where I hit the car.

AMI sorted out my bill at motorad then chased him for the money which he didnt have so was I supposed to be a witness at disputes tribual (he admitted he was 100% at fault but disputed the cost of fixing it) till he settled at the last minute.

As somone driving a 25 yo BMW with no insurance I'm sure the $7000 bill is gonna impact him for a long time.

I just dont understand why anyone would risk not having at least third party.

[Hanne]

Well we managed to convince my friend to buy third party.
The insurance company didn't make it easy though! They were asking questions like 'why do you want to get insurance'?
Ummm... When the call centre operator asks that I think it is good to reply 'well, why do you try to sell it?'
The call centre operator didn't think so though.
It took 3 phone calls to finally buy the cover ><

[varminter]

Third party, I'm still waiting to get invited to the first two.