Write off?

**JDM EP3** · 02-04-2012 10:47 AM

Yep you can drive without any third party insurance, they should have it as a minimum i think though. Just like nightkids, I rather not get $5 a week repayments. Although Im assuming it wont be that low it will still be a hassle if your car is written off and its worth 30k. But thats why you have insurance so if some knob with none hits you then you have your insurance pay you out and let them chase them for the money.

**trism** · 02-04-2012 10:52 AM

Originally Posted by JDM EP3

Actually no man it isnt. There is no such crap as CTP here in VIC.

Actually there is, its just included in the cost of rego, not separate like nsw.

**curtis265** · 02-04-2012 10:54 AM

ohh yea don't be like my mate. 25k car written off after some retard rear ended him at 60km/h

Both parties had no insu.

inb4 $10/wk for 20 years

**drsilliez** · 02-04-2012 11:55 AM

Originally Posted by JDM EP3

Actually no man it isnt. There is no such crap as CTP here in VIC.

That's wrong. There is ctp. U pay it as part of your registration every year. It's a few hundred dollars. Check ur rego renewal papers. It doesn't cover u but the other person or something.

**JDM EP3** · 02-04-2012 12:02 PM

Originally Posted by drsilliez

That's wrong. There is ctp. U pay it as part of your registration every year. It's a few hundred dollars. Check ur rego renewal papers. It doesn't cover u but the other person or something.

Im pretty sure thats for TAC. I could be wrong but, if you smash into someone I guarantee that wont cover their repairs and you will have to fork out for it.

**trism** · 02-04-2012 12:34 PM

Ctp in NSW and it's equivalent in other states only cover personal injury.

Optional is third party property, which covers other persons car, or if you take out a fence etc, and then you have third party fire and theft, covers all of the above and if you car gets burnt out or stolen.

**Bludger** · 02-04-2012 12:38 PM

Originally Posted by trism

Ctp in NSW and it's equivalent in other states only cover personal injury.

Optional is third party property, which covers other persons car, or if you take out a fence etc, and then you have third party fire and theft, covers all of the above and if you car gets burnt out or stolen.

in which the latter, it's not illegal to be without.

**markismaximus** · 02-04-2012 12:42 PM

CTP insurance doesn't cover you for shit as trism has said, only personal injury.

I agree with all the above posts, anyone without insurance shouldn't be driving...

**kyzz** · 02-04-2012 05:41 PM

Reminds me - gotta pay insurance tomorrow; going full comp

Maybe op should do the same for his next car for that ease of mind

**Indie** · 02-04-2012 07:06 PM

Originally Posted by Drifter995

To correct indie, no insurance at all is illegal... He would have third party. I doubt anybody is that stupid.

"Correct" me? Everything I said was correct. Of course I'm aware that it is illegal or at least strongly inadvisable to drive uninsured, it's common knowledge. With the stupidity displayed on these forums, driving uninsured is a definite possibility.

In future, don't claim you're "correcting" people; it makes you seem either stupidly arrogant, or simply a social retard.

**JDM EP3** · 02-04-2012 07:30 PM

If it was a legal requirement to have insurance you would have the cops asking you to see your insurance papers.....

**Drifter995** · 02-04-2012 07:46 PM

Originally Posted by Indie

"Correct" me? Everything I said was correct. Of course I'm aware that it is illegal or at least strongly inadvisable to drive uninsured, it's common knowledge. With the stupidity displayed on these forums, driving uninsured is a definite possibility.

In future, don't claim you're "correcting" people; it makes you seem either stupidly arrogant, or simply a social retard.

I was going to change it to 'to add to' or something else, but got rushed away from the computer -.-