who drives WITHOUT insurance? poll

[LowEL2XR8]

Maybe to go slightly off topic but... I wish there was insurance for avoiding hitting another car and damaging your own.
I've nearly had it happen to me. I was driving in a suburb and had a car turn in front of me like I wasnt even on the road and thanks to some excellent reflexes I managed to slide around the front of him and up on the curb avoiding hitting his car. Now I have damaged my front lip spoiler.
Now its my fault because I did it on purpose to avoid an accident, so its not covered by insurance. However if I had of just driven into the side of the car I would of been covered but caused a lot more damage so the insurance company would of paid out more.
Now I've thought of "if it ever happened again" I would just drive into the other car to make sure I was covered but common sense and instincts for survival make you try and avoid an accident so thats why I wish there was insurance for intentional damage to your own car for avoiding accidents insurance.
It really annoys me because the guy you avoid has no damage to his car but you do and you pay out because of his error.

[Greenhorn]

ive got no insurance on my EB coz i can't afford it but if someone would like 2 pay me $900+ for it i would gladly have it insured

[LTDHO]

Originally Posted by Greenhorn

ive got no insurance on my EB coz i can't afford it but if someone would like 2 pay me $900+ for it i would gladly have it insured

If you can afford petrol you can afford insurance.
But can you afford to hit someone elses car?

[Cam]

Well at the risk of getting flamed..I'll be truthful.

I own a stroked AU, big brakes, upgraded suspension, custom interior etc etc. Now my car is not insured, yes i can afford it, but i drive my car at most once a fortnight, which is usually around the corner to the shops to give it a run, and on an odd occasion down the coast. I have done 500km in about 4 months, i can not justify spending over 7k on insurance (i am under 25 and lost my licence when i was 18 for speeding) for a car that i rarely drive. **touch wood** i have only had one close call when a twit in a excel hit his brakes to miss a possum, thankfully i managed to swerve and go around him. If i hit him, then yes i would surely pay, but i still dont think i'd insure my car.

If i was driving everyday then it'd be a different story, but i live 100m from work, and i have a company car to run around in.

/end rant

Cam

[Greenhorn]

If you can afford petrol you can afford insurance.
But can you afford to hit someone elses car?

im on gas so it costs about $30 to fill my car. i have no money whatsoever and im keeping my car running off what my mum can afford to give me. there are more important things i could spend $900 on besides insurance like 2 new tyres as my back ones r unroadworthy, new engine and tranny, 2 new xr6 headlights and a tail light. anyways people tell me im a good, safe driver

[LowEL2XR8]

Originally Posted by fastfords-dot-org

Now my car is not insured, yes i can afford it, but

What if someone steals it?
Surely fire and theft would be warranted even if you dont drive it much.

[LTDHO]

Originally Posted by Greenhorn

im on gas so it costs about $30 to fill my car. i have no money whatsoever and im keeping my car running off what my mum can afford to give me. there are more important things i could spend $900 on besides insurance like 2 new tyres as my back ones r unroadworthy, new engine and tranny, 2 new xr6 headlights and a tail light. anyways people tell me im a good, safe driver

Good safe driver.
If I had a dollar for every client that said that, I would be a very rich man.

Remember it takes a milli-second for an accident to occure, you could change CD, see phone ring, or pass a hot babe. If you hit a business vehicle you are responsibe for the $1000's the business looses while their vehicle gets fixed.

[blueoval]

I hear the independants want to change the laws if they get a seat in the next election to penalise people financially for driving on the road without rego or insurance. I cant back it up with facts as I heard this on the tv. But I completely agree with the move.

[snortycorty]

I cant afford to have full full comp on my cars but i have third party. I would never contemplate driving my car around with out some sort of insurance.
My old man has me insured to drive his xr8, (even though i only drive it once in a blue moon) and if i do hit something in it the premium is a huge amount but I'd rather pay that than having to fix the damage to his car as well as the other car! Accidents do happen just because you may be alert it doesnt mean everyone else on the road is.

[70caprigt3k]

The more and more i think about it i really think in my case insurance is a waste of money as if i have an accident im up for about $2000 worth of excesses anyway which if i didn't have insurance could probably pay for the damage in alot of accidents anyway. That said im not stopping my insurance because i know as soon as i did that i would have a crash and end up looking like a tool because i will be up for more than that anyway and theft is good too.

[Cam]

Originally Posted by LowEFGLi

What if someone steals it?
Surely fire and theft would be warranted even if you dont drive it much.

Because it sits in my locked garage missing a couple of simple parts it needs to start..... out:

Cam

[Deadman]

Originally Posted by blueoval

I hear the independants want to change the laws if they get a seat in the next election to penalise people financially for driving on the road without rego or insurance. I cant back it up with facts as I heard this on the tv. But I completely agree with the move.

They'd get my vote.

[penrith_panther]

im too cheap to get insurance and i drive very short distances and not every day either so why bother? i guess i would if i was over 25 with a fulltime job but insurance is a rip off to anyone under 25...i'm willing to take the risk and even if something bad did happen im sure it'd be a lot less than what i would have paid with insurance by now

[Yaw]

Originally Posted by penrith_panther

im too cheap to get insurance and i drive very short distances and not every day either so why bother? i guess i would if i was over 25 with a fulltime job but insurance is a rip off to anyone under 25...i'm willing to take the risk and even if something bad did happen im sure it'd be a lot less than what i would have paid with insurance by now

Some simple figures for you.
Lets say you have an accident and you are at fault.
Assume its only two cars, your and the third party you have hit.
Assume both cars are non drivable due to the accident.
You are up for 2 tow truck fees to a holding yard.
in Qld a smash Tow is $244.00 So multiply that by 2 and you get $488.00
Then the tow trucks charge a "trade tow" from the holding yard to a repairer or assesment centre. trade tows depending on distance from $60.00 to $110.00 That also varies from one tow truck company to another. Lets go for this example the cheapest. So that would be another $120.00 + the $488.00
If the other car is insured and it goes to an assessment centre. then there is another tow from there to the repairer. $60.00

So in towing alone before you have even paid for the other persons repairs or your own repairs You are up for $668.00.

An average figure for a repair would be between $4000- $6000.
That is based on a front end repair. Usually there is the actual repair, fans radiators, air con systems, suspension repairs.
I am not even talking about a prestige car, i saw a 1998 mazda 323 with That much in repairs just on Friday.
So thats the other persons car, then what damage is done to yours, it would be roughly the same if you failed right of way, it too would be a front end accident. So another 4000- 6000.

Going on the cheapest of those examples I have just given you that would be a grand total of $8668.

Now that is an average accident. Can you afford that ?
It could always be a lot more too.

[70caprigt3k]

Originally Posted by Yaw

Some simple figures for you.
Lets say you have an accident and you are at fault.
Assume its only two cars, your and the third party you have hit.
Assume both cars are non drivable due to the accident.
You are up for 2 tow truck fees to a holding yard.
in Qld a smash Tow is $244.00 So multiply that by 2 and you get $488.00
Then the tow trucks charge a "trade tow" from the holding yard to a repairer or assesment centre. trade tows depending on distance from $60.00 to $110.00 That also varies from one tow truck company to another. Lets go for this example the cheapest. So that would be another $120.00 + the $488.00
If the other car is insured and it goes to an assessment centre. then there is another tow from there to the repairer. $60.00

So in towing alone before you have even paid for the other persons repairs or your own repairs You are up for $668.00.

An average figure for a repair would be between $4000- $6000.
That is based on a front end repair. Usually there is the actual repair, fans radiators, air con systems, suspension repairs.
I am not even talking about a prestige car, i saw a 1998 mazda 323 with That much in repairs just on Friday.
So thats the other persons car, then what damage is done to yours, it would be roughly the same if you failed right of way, it too would be a front end accident. So another 4000- 6000.

Going on the cheapest of those examples I have just given you that would be a grand total of $8668.

Now that is an average accident. Can you afford that ?
It could always be a lot more too.

You raise a good point there, i too am under 25 and thought that what i have to pay in excess was a joke but all in all from the example you just gave its not all that bad. A real eye opener, thanks. I do have insurance though.

[LTDHO]

Originally Posted by Yaw

Some simple figures for you.
Lets say you have an accident and you are at fault.
Assume its only two cars, your and the third party you have hit.
Assume both cars are non drivable due to the accident.
You are up for 2 tow truck fees to a holding yard.
in Qld a smash Tow is $244.00 So multiply that by 2 and you get $488.00
Then the tow trucks charge a "trade tow" from the holding yard to a repairer or assesment centre. trade tows depending on distance from $60.00 to $110.00 That also varies from one tow truck company to another. Lets go for this example the cheapest. So that would be another $120.00 + the $488.00
If the other car is insured and it goes to an assessment centre. then there is another tow from there to the repairer. $60.00

So in towing alone before you have even paid for the other persons repairs or your own repairs You are up for $668.00.

An average figure for a repair would be between $4000- $6000.
That is based on a front end repair. Usually there is the actual repair, fans radiators, air con systems, suspension repairs.
I am not even talking about a prestige car, i saw a 1998 mazda 323 with That much in repairs just on Friday.
So thats the other persons car, then what damage is done to yours, it would be roughly the same if you failed right of way, it too would be a front end accident. So another 4000- 6000.

Going on the cheapest of those examples I have just given you that would be a grand total of $8668.

Now that is an average accident. Can you afford that ?
It could always be a lot more too.

My concern isn'y the estimated repair bill of $8668 but if the owner of the 323 is a sales rep. Add another $400 for a hire car plu the lost business for the day of accident. We're getting closer to $10k.
Plus you have no car whilst it's at panel shop.

[blueoval]

yes, some people are NOT thinking about the other party if the accident is their fault. A bit selfish really for those not bothered about getting the cheapest form of insurance. Its just common decency really.

*puts on flame suit*

[ssb2005]

i got insurance. paying off a recked porsche if i hit it would be uncool.

i know a guy who's project car got smashed up by someone who didnt have insurance and his was only 3rd party property at the time, so basically he lost his car and is still trying to get the full amount out of this guy.

[CaRtZ]

1. im 17 and in school and i cant afford the quoted $1600 a yr
2. i have not long put it in my name so i just havent got around to it yet

[blueoval]

Originally Posted by CaRtZ

1. im 17 and in school and i cant afford the quoted $1600 a yr
2. i have not long put it in my name so i just havent got around to it yet

insurance in your parents name is ok, by me.

[Yaw]

Originally Posted by blueoval

insurance in your parents name is ok, by me.

Until it comes to claim time and stories don't gel as to usage of the car.

[blueoval]

Originally Posted by Yaw

Until it comes to claim time and stories don't gel as to usage of the car.

well yes, but at least the other party is covered and that to me is important.

[Yaw]

Originally Posted by blueoval

well yes, but at least the other party is covered and that to me is important.

Uhh if the claim is denied on grounds of disclosure...your on your own, or at very least be made to pay what should have been paid for the policy plus any excess that may be due.

[blueoval]

Originally Posted by Yaw

Uhh if the claim is denied on grounds of disclosure...your on your own, or at very least be made to pay what should have been paid for the policy plus any excess that may be due.

so either way your screwed, is that what you are saying?

seems to me like you cant win regardless, if thats the case, I can understand why people dont bother with insurance if your no better off with it. :togo:

[Yaw]

Originally Posted by blueoval

so either way your screwed, is that what you are saying?

seems to me like you cant win regardless, if thats the case, I can understand why people dont bother with insurance if your no better off with it. :togo:

No just pay the correct amount and be honest and you will not have an issue. If you can't afford it get Third Party, that will cover the other person.

[LTDHO]

Originally Posted by CaRtZ

1. im 17 and in school and i cant afford the quoted $1600 a yr
2. i have not long put it in my name so i just havent got around to it yet

'I haven't got around to it' The first cry of the uninsured motorist.

'I can't afford to pay $#####.##, I'm only 17' The second cry of the unisured.

[mosman69]

(flame suit on before i begin)

I am 20, used to drive my parents car up until late last year, i moved to Mildura from Melbourne. I had a LOT of infringments in the period just before i left (late '05 and early '06). talking two instant one month suspensions, a red light and 5km over. yes i was stupid and all those great thigns ur going to call me but i have learnt my lesson since then. I havent done ANYTHING bad since my last infringment (march this year). i practically drive like a grandma these days and i dont see my driving style changing.

Now i know what i have said so far isnt encouraging but i promise im not kidding when i say i have learnt my lesson i came close to death and dont wanna go back. To get to the point with my less than perfect history no one wants to insure me, i have tried RACV, AAMI and just car. None of them really like my infringment and suspension history (fair enough too, i dont like it and its my history)

Where can i go for basic third party?? I dont want to be involved in a crash that i cant afford and i really dont kow where to turn to from here?

[Yaw]

Originally Posted by mosman69

(flame suit on before i begin)

I am 20, used to drive my parents car up until late last year, i moved to Mildura from Melbourne. I had a LOT of infringments in the period just before i left (late '05 and early '06). talking two instant one month suspensions, a red light and 5km over. yes i was stupid and all those great thigns ur going to call me but i have learnt my lesson since then. I havent done ANYTHING bad since my last infringment (march this year). i practically drive like a grandma these days and i dont see my driving style changing.

Now i know what i have said so far isnt encouraging but i promise im not kidding when i say i have learnt my lesson i came close to death and dont wanna go back. To get to the point with my less than perfect history no one wants to insure me, i have tried RACV, AAMI and just car. None of them really like my infringment and suspension history (fair enough too, i dont like it and its my history)

Where can i go for basic third party?? I dont want to be involved in a crash that i cant afford and i really dont kow where to turn to from here?

Try an insurance broker that deals with Loyds of London

[Gab250]

I have driven cars without insurance and with insurance, I prefer to have it, but not having it has never stopped me in the past.

Gab

[The H Man]

I'll give u some interesting stats; I used to work for the enemy, and I didn't have insurance when I was younger and had nothing to loose. These are all averages and its the reasons that insurance company's make so much money, and if us as customers look at it the same way it makes insurance seem not worth having.

The average driver has one crash every 10 years.
The average crash repair costs aprox $3000 to fix.
The average city policy costs $600 a year.

To add all that up it really gets ya thinking that every 10 years you’re paying $6000 for something that could have only cost you $3000.

But like Casper said replace an average ford or holden with a porsche or a merc. We’re all really insuring our selves for that once in a life time above average fuc4 up.

And financially it’s easier to $600 a year than come up with $3000 grand all at once.

So I'm fully covered now for both my cars and I'll keep modifying both of them.

Drive safely now!!