Read this about car insurance, its a must know

[peter92]

Hi Guys I backed into my daughter car today with the cruiser, in the drive way, so i did the right thing and rang my insurance comp [APIA] to claim for her car on my policy
Great, i thing WRONG
This comes from there book on the last page
"YOU,YOURS means the person or persons named as the insured on your current certificate of insurance and that person or persons family "
Now what do you think thats means, well i will tell you what they told me on the phone
Because my daughter lives under our roof my insurance company will not cover the repairs to her car at all if i hit it doesnt matter where we are and i recon thats crap
What do we have full insurance for
She is claiming the repairs now on her own insurance comp
Please check your own policy to see if you have "YOU, YOURS"
The lady on the phone said a lot of companies now are doing this but wording may be differant
For your own sake check your policies out
Regards Peter
Just got off the phone with the insurance company and because of this act kylie, my daughter,get her car repaired and doesnt have to pay the excess, so she doesnt pay and nor do i because were,re family
www.austlii.edu.au/au/legis/c...84220/s65.html
Which alot of people dont know even exist
Ive got the phone working but havent used it yet

[peter92]

try this one
www.austlii.edu.au/au/legis/cth/consol_act/ica1984220/s65.html

[doublechevron]

How does that work. What if I backed one of my own cars ... Into another one of my own cars :confused: ... Will I make the claim against my insurance company .... or against my insurance company (there all insured through the same mob).

BTW:  Won't her insurance company now send YOU the bill for her repairs?  It may have been cheaper just to get it fixed out of your own pocket than be billed by her insurance company!

seeya,
Shane L.

[peter92]

Hi Shane
Its a real pain ,you think that having them insured we wont have a problem but they always find ways around it
Yes i have just paid to get her car fixed, you should ring your insurance company and ask them what would happen if your wife was in one car and you hit her in your drive way and see what they say
Then you will get an understanding of what i was saying, very confusing
Regards Peter

[doublechevron]

Sept 16, 2014 16:55:42 GMT 10 peter92 said:

Hi Shane
Its a real pain ,you think that having them insured we wont have a problem but they always find ways around it
Yes i have just paid to get her car fixed, you should ring your insurance company and ask them what would happen if your wife was in one car and you hit her in your drive way and see what they say
Then you will get an understanding of what i was saying, very confusing
Regards Peter

I'm pretty sure I'd be fine. All my cars are insured through shannons. I'm hate claiming for my own stupidity too... eg: a few weeks ago I put the bonnet over the roof of my old 1963 Citroen ID19 .... I'd moved it out of the shed and had it on the battery charger and just lowered, but not clipped the bonnet down. The following morning I thought "bugger it, I'm going to drive it too work now it's out of the shed ..............................................". Guess who jumped right in and hurtled down the road without giving a thought to the fact the bonnet was just sitting down but not clipped down in anyway



Now I need to fix and paint another bonnet for it.... No doubt I could claim it on insurance, but I'm to p!$$ed off with myself to do that.



seeya,

Shane L.