Car Insurance Please Help!!

[kookynet]

This is Martine and Robert, Frenchies on world tour with Landy. We are having difficulty regarding insurance for Australia as it will be on temporary registration for 12 months AND it is a Left Hand Drive.

Difficulties are several:
- it seems that anything else BUT 1/3 party is impossible to find in our case
- so far we got 2 quotes for 425 AUD for 1/3 party. And needless to say, details about excess, and so on are not given with quotes...
- we are not even sure of what 1/3 party actually covers or not. Again, details are not given qith quotes...

ANYBODY WORKS IN THE INSURANCE BUSINESS AND COULD ANSWER SOME OF OUR QUESTIONS?
ANYBODY COULD REFER US TO A FRIENDLY BROKER WHO COULD ANSWER SOME QUESTIONS FOR US?

Any other suggestion will be greatly appreciated. Email if preferred is info@kookynet.net

Martine and Robert

[discoute]

This is Martine and Robert, Frenchies on world tour with Landy. We are having difficulty regarding insurance for Australia as it will be on temporary registration for 12 months AND it is a Left Hand Drive.

Difficulties are several:
- it seems that anything else BUT 1/3 party is impossible to find in our case
- so far we got 2 quotes for 425 AUD for 1/3 party. And needless to say, details about excess, and so on are not given with quotes...
- we are not even sure of what 1/3 party actually covers or not. Again, details are not given qith quotes...

ANYBODY WORKS IN THE INSURANCE BUSINESS AND COULD ANSWER SOME OF OUR QUESTIONS?
ANYBODY COULD REFER US TO A FRIENDLY BROKER WHO COULD ANSWER SOME QUESTIONS FOR US?

Any other suggestion will be greatly appreciated. Email if preferred is info@kookynet.net

Martine and Robert

Hey guys.


you may find it easyer to join a club and use the TCIS insurance provided to all 4wd clubs in Australia.

1/3 party covers any vehicle you have an accident with, not your vehicle.

glen

[kookynet]

Glen,
it's a great suggestion that we should look it up with a club!

Ok, third party does not cover damages to our own vehicle. That would be done by a comprehensive, except that it seems impossible to get for a foreign registration car, as will be the case for us.

AS to third party, when you say covers damages to other car: does that mean only to people (physical damage) or car damages as well?

If I understood correctly, bodily damages caused to a passenger in your own car would be covered by insurance taken with MRV when we will register the car. But I am not even certain that it would cover bodily damage to another driver. Any clue there?

Thanks again for your suggestion, I'll put the question with some clubs and see if they could cover us in their package if we joined.

Martine

[discoute]

Martine

the other vehicle will be covered for damage and the occupants are covered by CTP that is with the MV.


glen

[Blknight.aus]

Try shannons.

www.shannons.com.au


Might cost you a bit but they should be able to help ya.


On that note when you get to where Im at, Albury Wodonga ATM, and if your overnighting here Ive got a spare bedroom, a good hotwater system and an excellent BBQ, your welcome to all three.

[waynep]

I think TCIS is underwritten by Alliance ( or used to be ). I went directly with Alliance and the policy looks the same. Alliance is a European based company so maybe you can call Alliance from over there.

[kookynet]

Glen, thanks for explaining that CTP is indeed covered with MV.
Wayne, thanks for suggesting Alliance, good point and I will inquire.

Dave, thanks for pointing to Shannons, will try. A great big thank you for the invite too! Im not very good with Aussie geography -yet. Where are you located? And could you please give us a telephone number? Are you OK with SMS, as for us it will be the most convenient way to liaise with you once we get closer to where you are.

Will let you know how things evolve on the insurance front and... might get back with a new set of questions once we get into the details of premiums and what they cover.

Cheers and thanks again
martine

[RobHay]

Martine & Robert,

To drive on Australian Roads your vehicle will need to be registered here, I am unaware of any agreement that permits a foreign registered vehicle to operate within Australia for any period of time.

Vehicle can be registered in any State of Australia and operate anywhere within Australia.

Part of the cost of registration is a component called Comprehensive Third Party Insurance (CTP) and represents the major portion of the cost of the registration. This covers injury to persons including passengers within the vehicle in the event of an accident.This is manditory.

Within Queensland the Nominal Defendant is sued for costs.Other members maybe able to assist with other States.

There are generally two other forms of insurance you can take out one is fully comprehensive insurance and covers repairs to your vehicle and the other vehicle (If there is one)

The other form of insurance is generally known as Third Party,and covers the cost of repairs to the other vehicle but not your own.

As it appears you will be landing in Western Austalia you had best check out the requirements of that State
First link is in regards to importing a vehicle and second link is in regards to international drivers licence
Link:

http://www.dpi.wa.gov.au/licensing/myvehicle/1383.asp

http://www.dpi.wa.gov.au/licensing/566.asp


Hope this helps

....and of course you would be aware that the other States of Australia are all under par when compared to Queensland :) :D :p ;)

[Michael2]

Third Party Insurance covers property. It will cover a car you might crash into, or a powerpole you may damage, or a house you might crash into etc.

Some insurance companies offer Third Party Fire & Theft. RACV (RAC Victoria) offers this cover. This protects third party property and also pays out for your car if it's stolen or burnt, but not if it's damaged in a crash.

As Rob said, once the vehicle is registered in any Australian state, most of that money goes toward insurance to cover anyone hurt in a motor vehicle accident, whether it be in your vehicle or another.

[kookynet]

Rob, thanks for the link to these pages from DPI. I had not been able to find such details as opening hours and all that. Also, your explanation is quite clear. To answer to your comment as to a foreign car re registration, the info we have is that we will get temporary registration which will waive for us need to alter vehicle and all that for a period of up to 12 months, because we are on a tourist visa, not resident and because our car travels on a Carnet. We will see if this theory is indeed followed by the authorities, as we hope it will. Will let you know as soon as it is cleared.

Michael, thanks for the info re 1/3 party fire and theft, I was not aware of this option. Thanks also for the details as to the fact that TPI covers other damaged property than just another car, good to know...

I'll get back to you with some news as soon as all this is finalised. I'll make sure that I will put it all in writing so that the next time a foreigner bugs you again with tons of questions, you'll have it all for them.

Thanks again for the info and the support. It is warming and works great on our moral.

Martine in Dubai and Robert in Perth

[DirtyDawg]

Try this sell your vehicle too Omaroo for $1.. then as a citizen have him Insure it with you guys as nominated drivers..when you leave he sells it back...all above board and have you covered for your trip comprehensively:) a suggestion anyways

[Omaroo]

Try this sell your vehicle too Omaroo for $1.. then as a citizen have him Insure it with you guys as nominated drivers..when you leave he sells it back...all above board and have you covered for your trip comprehensively:) a suggestion anyways

Hmm... interesting notion. You may be on to something here.

Martine? Want to sell me Alistair? I'll let you drive it! :D

[p38arover]

I think TCIS is underwritten by Alliance ( or used to be ). I went directly with Alliance and the policy looks the same. Alliance is a European based company so maybe you can call Alliance from over there.

Allianz or Alliance?

TCIS used to be underwritten by CGU. When they changed to CGU, my comprehensive policy went from about $450 to $1500 for lesser value. I changed to AAMI for $537 (at that time).

Ron

[waynep]

Allianz or Alliance?

TCIS used to be underwritten by CGU. When they changed to CGU, my comprehensive policy went from about $450 to $1500 for lesser value. I changed to AAMI for $537 (at that time).

Ron

Sorry, it is Allianz. I thought TCIS used them earlier on but being a broker I guess they change every now and again. I thought Shannons use Allianz too.

[Blknight.aus]

Glen, thanks for explaining that CTP is indeed covered with MV.
Wayne, thanks for suggesting Alliance, good point and I will inquire.

Dave, thanks for pointing to Shannons, will try. A great big thank you for the invite too! Im not very good with Aussie geography -yet. Where are you located? And could you please give us a telephone number? Are you OK with SMS, as for us it will be the most convenient way to liaise with you once we get closer to where you are.

Will let you know how things evolve on the insurance front and... might get back with a new set of questions once we get into the details of premiums and what they cover.

Cheers and thanks again
martine


Not a problem yall can get me on 0408849649 but Im not supposed to have it on during work time so if you call me and leave a message or sms I'll get back to you from 10:00-10:15 12:15-13:00 15:00-15:15 and 17:00-07:30

If you want to borrow the big book of maps let me know I'll line up posting it to you.

give us a weeks warning for what delicacies youd like me to charcoal on the BBQ and me and SWMBO will get it lined up for ya...

[camel_landy]

OK... I went through all of this when I brought my 110 into Oz last year.

The long & the short of it is that unless you happen to stumble onto a specialist, you're not going to get fully comp cover for your vehicle in Oz. :(

However... Things aren't all doom & gloom.

Despite the comment earlier in the thread, you CAN bring a foreign registered vehicle into Oz & use it on the roads, without having to go through a full registration process for up to 12 mths. I was happily driving my UK registered 110 around for 6mths without problems...(even the QLD cops gave my paperwork a clean bill of health when they stopped me).

Once through customs & quarantine, the only thing you have to do is get the vehicle registered at your local registration office (I landed in Melbourne so I went to a Vic roads office), pay a fee to get your TAC (Temportary Accident & Collision.. or something..) cover and off you go. That TAC cover is essentially the same cover that everyone in Oz has as part of the annual registration renewal and gives you the 3rd party cover.

If you have any more questions, feel free to drop me a PM.

HTH

Mark.

[LieutenantRover]

Hi Robert and Martine Re: insurance I have my landrovers insured with Shannons and have found them good to deal with. If you are passing through Kalgoorlie and would like a guide or assistance or just to say hi please drop by.

[kookynet]

We got turned down by Shannons and Allianz and Lumley etc etc etc...
Found a broker specialised on tourists, but would only do 1/3 party for the price what one would reasonably expect for comprehensive coverage. And we did not like the excess at all...

It seems that we found a way of insuring our vehicle comprehensive, glass break, fire, theft and all for a decent price. I would tell you how if I was not afraid of you all making fun of our poor Alistair...

All, right, if you must know: Alistair from now on will be a....

campervan

All we need to do is register

[kookynet]

all we need to do is register with this campervan association and they will fully cover us for 534 AUD with basic excess of 200 and 2000 excess for theft of inside equipment. The beauty of it is that this will even cover us the next next ocean leg of our trip.

And they accepted to waive the need to prove our no claim bonus status. I guess they did not want to deal with the Arabic statements they would have got from our recent insurance companies in Jordan, Saudi, Emirates and Oman...

So it looks like we won't have to sell Alistair to Chris Omaroo after all...
DirtyDawg, I liked your creative approach though, and I will make sure I put the next admin hurdle we encounterr to the test of your out-of-the-box lateral thinking!

Thanks again to you all for your suggestions and most of all for your support.
Thanks to you all, we do not feel all alone anymore fighting the admin difficulty of getting organised for our Aussie adventure.

I'll put a update post shortly to let you know how we are getting on.

Cheers
Martine