Insurance while cars off the road

[nt_a_foz]

So im paying 107 dollars amonth for my car to be off the road in pieces undrivable.

What i was thinking was getting third party fire and theft as it woudl be cheaper and still cover me for my house burning down and car also as well as someone knicking it.

NAC wouldnt do anything (my current insurer) so rung CLIC they said they can do me a limited cover policy to cover me for fire , theft and transport on a car trialer/truck/transporter.

Its only 50 bucks a month so half the price..

Has anyone done this before or see any way this is going to go pearshaped and bite me on the arse??? Or something i might have misseD?

Cheers

[Guest itsgotgo]

tHe clic policy,does it have to be in a locked or closed in garage?

[nt_a_foz]

it is in a locked garage haha well it is from the front...maybe should make me a wall on that 4th side missing one lol..

[Guest itsgotgo]

Would pay to check brad,I lost 6k due to that clause,in a policy from state 12 years ago!

I was farken spitting bullets my friend!

Fine print, ask all the questions you can imagine

[nt_a_foz]

yeah just talked to nac theyl do the same thing ....

And its 50 a month so il stay with them..

Just got to sort out hte locked garage issue and all will be fine..

Nothing a few bits of 4x2 and a few bits of ply wont fix right?? lol

[Guest lan_killa]

Most insurance compaines will offer "Restoration Insurance" but I think it only applies to classic cars... Give www.classiccover.co.nz a call

Thier Restoration Cover side of things covers you for stuff thats not even in/near/attached to the car and thier CHEAP!!!

[nt_a_foz]

Yeah nac siad with it its called a "storage" policy and i get cover for $2500 worht of tools and parts which is pretty sweet?

might give them a call anyway

[driftrex]

my wrx is on the classic cover restoration policy, cost me $147 per year. definately be your best option brad, and they cover up to $5000 worth of parts that may not be attached to it at the time.

you do have to pay the full amount up front though but hey its not expensive.

[nt_a_foz]

fark for that money il be hitting that shit hard then lol....

Like a 5th of the price...

Iv changed to the nac one for now but can cancel that as well i guess

[driftrex]

 nt_a_foz said:

fark for that money il be hitting that **** hard then lol....

Like a 5th of the price...

Iv changed to the nac one for now but can cancel that as well i guess

i would change it if i were you, classic cover specialise in these kind of policies, so you know your gonna be covered.

[nt_a_foz]

yeah iv emailed them now so ill see what they come back with and if its better then yeah il swap over to that

[ODB]

Hmmm possibly you could look at paying to put it into storage for a few months.

They insure all stuff in their storage i think, and they are pretty secure, and prob cheaper than $50 per month.

Another different point of view you might not of thought of.

[nt_a_foz]

Yeah could be a option but more of a hassle when i want to work on it then..

At least if its at home then iv got my tools etc handy and can do a few bits and pieces on it.

[driftrex]

 ODB said:

Hmmm possibly you could look at paying to put it into storage for a few months.

They insure all stuff in their storage i think, and they are pretty secure, and prob cheaper than $50 per month.

Another different point of view you might not of thought of.

$50 a month for a car lockup? i doubt that, my flatmate used to have one, cost a fortune, think its was around $50 per week lol.

pretty sure they dont allow you to spend time working on your car either.

[Ben]

Can vouch for Clic. Great people to deal with - plus insured value rather than market value for the win =)

[driftrex]

brad, i should probably add that for my $147 a year policy the car also has full comprehensive cover to the value of $12,000 (because my car is financed).

the only condition been that it must not be driven on the road, otherwise there is no cover.

you wont find a better deal than that

just change the policy when you get it going again.

[Guest SPANKU]

shoot i done that for almost 6 months while my car is off the road.

[nt_a_foz]

yeah man im awaiting a price back from classic then il change over if its all good..

[wrx_lou]

 nt_a_foz said:

it is in a locked garage haha well it is from the front...maybe should make me a wall on that 4th side missing one lol..

you could build it with those double brown bottle au b

[Stoffa]

I pay $10 a month for my car, fire or theft as long as its not driven on the road.

Thats with AMI

[nt_a_foz]

Shit 10bucks thats even better...Might have to investigate further..

[driftrex]

 nt_a_foz said:

**** 10bucks thats even better...Might have to investigate further..

check whether that includes parts not on the car, tools, stuff like that as well.

[nt_a_foz]

Classic car is a no goer....

Hi Bradley; thank you for your enquiry regarding Classic Cover Insurance. Our policy excludes drivers under 25; we do offer a Restoration Only policy (no 'drive cover' so age n/a), which would probably suit your needs now, but unless you anticipated the resto taking 5yrs or so (when you would be closer to compliant age) that won't be of help. Also, we wouldn't be able to cover your Subaru(regardless of your age) unless it was a rally/race car. Unfortunately we're therefore unable to help you with insurance at this time. Kind Regards Ann Beale, Classic Cover Insurance Ltd

[driftrex]

 nt_a_foz said:

Classic car is a no goer....

Hi Bradley; thank you for your enquiry regarding Classic Cover Insurance. Our policy excludes drivers under 25; we do offer a Restoration Only policy (no 'drive cover' so age n/a), which would probably suit your needs now, but unless you anticipated the resto taking 5yrs or so (when you would be closer to compliant age) that won't be of help. Also, we wouldn't be able to cover your Subaru(regardless of your age) unless it was a rally/race car. Unfortunately we're therefore unable to help you with insurance at this time. Kind Regards Ann Beale, Classic Cover Insurance Ltd

rat**** bro ???

think mine might even be listed as a road registered race car/restoration or something like that. shit i cant even remember now but im insured.

[nt_a_foz]

another place wouldnt cover it as it wont have a wof...

wof = not legal car even if its off the raod for rebuild in their books