Thread: Club plates insurance

Originally Posted by The ho har's

Hey guys..

considering there are MODS here debating about the value of Historic/special registered vehicles.


I think you have totally lost the original posters question

Mrs hh

The insurance issue moved to why classic insurance premiums on historic/club/special vehicles in Victoria is the same as fully registered vehicles doing limited kilometres, where in NSW comprehensive on a HCRS vehicle is about 4 months of premiums in Vic.

Then it moved to the merits of the various schemes. BTW Shane is not a mod

Originally Posted by manic

Here in VIC I don't see it like that at all.

The VIC Full Rego
- requires safety inspection to acquire plates
- can then be neglected

The VIC Club Scheme
- requires safety inspection to acquire plates
- can then be neglected

Man on Full Rego, bought a second hand car at 5 years old, has had it for 10 years with little to no maintenance. Treats it as a banger with view to drive until it dies. It continues to run, has no brake pads, bald tires, worn suspension bushes etc. This is a danger to the road!

Man on Club Scheme rego, +25 year old car. Has just passed safety inspection and received his club plates. He aims to treat his crappy old car as a banger with a view to thrash it around until it dies. On a car this old it not likely to go very fast or last very long without maintenance! The car is much more likely to brake down beyond economical repair before the brake pads wear out!


If you want to improve safety of cars on the road you would do it with an annual safety inspection for ALL vehicles.

The VIC Roads Club Permit scheme is brilliant.

THat's the funniest thing I've read today..... I've had cars here from NSW that have recently passed a "safety inspection"......... OMG .... Talk about needing a ****load of work to be even remotely close to roadworthy. Do they even bother checking the lights work for those inspections All annual roadworthies do is generate lots of employment and government department jobs. They sure as hell don't make the cars any safer from what I can tell.

seeya,
Shane L.

Originally Posted by Lotz-A-Landies

The insurance issue moved to why classic insurance premiums on historic/club/special vehicles in Victoria is the same as fully registered vehicles doing limited kilometres, where in NSW comprehensive on a HCRS vehicle is about 4 months of premiums in Vic.

Then it moved to the merits of the various schemes. BTW Shane is not a mod

I'm not sure what you mean about me being a moderator I'm already admin/moderator on other car forums, I don't want to be one here too... I wouldn't have the time to put into it.

seeya,
Shane L.

When I lived in Sydney my 130 passed it's anual inspection with a cracked brake booster

The tester said the brakes were fine.

There was no way it stopped at the documented rate/pedal pressure.

Once I worked out it had a cracked booster it became clear why the harder you braked the worse it stopped.

Tony

Originally Posted by DoubleChevron

THat's the funniest thing I've read today..... I've had cars here from NSW that have recently passed a "safety inspection"......... OMG .... Talk about needing a ****load of work to be even remotely close to roadworthy. Do they even bother checking the lights work for those inspections All annual roadworthies do is generate lots of employment and government department jobs. They sure as hell don't make the cars any safer from what I can tell.

seeya,
Shane L.

NSW, what a mess!

Having come from London/UK with obligatory annual MOT, congestion charge and low emissions zone (my defender was banned!). I am grateful for the way things are in Melbourne. Insurance is cheaper too!


MOT in the UK is used to abuse... but I wont get into that! Recently the UK made classic cars exempt from the annual MOT/roadworthy. So over there you can have an old banger, drive it as much as you like and not need to pay any road tax or take it in for any safety checks.

I think the VIC Club Permit Scheme has got it right with initial safety inspection, usage limit and log book. Shame it isn't free though

Originally Posted by manic

Originally Posted by DoubleChevron

THat's the funniest thing I've read today..... I've had cars here from NSW that have recently passed a "safety inspection"......... OMG .... Talk about needing a ****load of work to be even remotely close to roadworthy. Do they even bother checking the lights work for those inspections All annual roadworthies do is generate lots of employment and government department jobs. They sure as hell don't make the cars any safer from what I can tell.

seeya,
Shane L.

NSW, what a mess!

Having come from London/UK with obligatory annual MOT, congestion charge and low emissions zone (my defender was banned!). I am grateful for the way things are in Melbourne. Insurance is cheaper too!


MOT in the UK is used to abuse... but I wont get into that! Recently the UK made classic cars exempt from the annual MOT/roadworthy. So over there you can have an old banger, drive it as much as you like and not need to pay any road tax or take it in for any safety checks.

I think the VIC Club Permit Scheme has got it right with initial safety inspection, usage limit and log book. Shame it isn't free though

And have either of you, (or anyone for that matter,) subjected to these dodgy inspections ever taken the time to report the inspection station to the authorities?

I can assure you the RMS (RTA) does take dodgy examiners very seriously, frequently charge them with offences under the regulations and remove their authorisation*.

While the RMS does do regular audits of examiners, the system also needs the reports from private citizens.

Don't just slam the system unless you are also prepared to take your own responsibilities seriously by reporting dodgy and sham examiners to the authorities.

At least by requiring all cars over 3 years old to be examined annually there is some chance of catching the bombs.

* a couple of years ago I needed a blue slip for the first registration of an ex-Army Haulmark trailer. I got a list off the local RTA only to find out that at least a third of the examiners on the list had been cancelled for non-compliance. It doesn't say much about the RTA communicating with the RTA though!

Originally Posted by DoubleChevron

Rubbish?? Statistics don't lie, that's why Shannons exist. There target market and only market they want is car nutters. Why??? 'Cos they are statistically far less likely to damage there car.... Given this, they are offered far cheaper insurance 'cos there a much better risk than your average driver.

If they weren't Shannons wouldn't exist. And if they did, they would be far, far, far more expensive than a modern car to insure (only there a fraction of the cost). Everything you have stated here is patently wrong.... full stop.

All evidence it to the contrary. Do you know why South Australia NEVER have roadworthies on any car ... even when they change hands?? Because statistically the condition of a car is irrelant in accident statistics. Don't believe me?? NSW has annual roadworthies, is there less accidents there than South Australia ?? Answer: No: accident due to poor vehicle condition are so incredibly small, they don't even rate in any of the statistics you'll find.

Why do you feel so threatened by the scheme. Are you someone in control of club permits that feels they should have power over everyone ?? ( most clubs have one of those poeple sadly).

The only people I know of that dislike the victorian scheme and complain about it now are the ones that "lost all there power" when it came in ... Have a read here, this is just what the poeple are like

CarClub2

seeya,
Shane L.

I found the article a little offensive towards members of auto clubs. I hope it was meant to be a joke as I stopped reading after a few generalisations and the abuse aimed at the generalised characters.

I have been a member of an auto club and have allowed my membership to lapse, it wasn't because of the rivet counters, the people who volunteer year after year so that clubs can keep going or any one that may have even appeared to be power hungry. I simply did not get that much out of the club, monthly meetings didn't do it for me and some club trips were filled to capacity before they were even advertised. I think the Vic 90/45 day scheme is great, having to gazette your trips in the club news letter to be able to use your old car just does not sound that flexible. In Melbourne the weather can expose you to four seasons in one day, I'd rather drive my old car when the weather was good instead of try to forecast in advance when I might want to drive my car.

You just have to work with the system you have, I like the Vic system. I am glad that Lotz-A-Landies likes NSW's.

Originally Posted by Mick_Marsh

You can keep the NSW scheme if that is what the NSW people want. Don't let us Victorians tell you what works best for you.
Me, I love the Victorian scheme. I bought a 90 day permit last year. I think I've used ten. I'll be lucky to get to twenty. The two Mercs are on full reg. One will be put on the club permit scheme this year. I'd put them both on but I want to keep my custom plates.

Reading the Vicroads website, it says this.


Can I take my Custom Plates off my vehicle?

Yes. You can take your plates off your vehicle at any time, provided you inform us of this decision. However, you will need to replace your Custom Plates with General Issue plates. These are available by visiting a VicRoads Customer Service Centre. It is important you do not remove your Custom Plates before receiving your replacement General Issue plates.
After you've removed your plates, you'll need to make a decision. If you would like to hold onto your custom registration number, you'll need to let us know, and then store your plates securely. We call this process self-retention.
If you've grown tired of your combination, and you've decided you would prefer not to hold onto that number, please return your plates to a VicRoads Customer Service Centre to ensure that you cannot be held responsible for their misuse. We'll be happy to ensure that they're disposed of correctly.
If you do decide to re-attach your plates to your vehicle you will need to call us to ensure that your car is legally registered. Please call 1300 660 417 to speak to a VicRoads customer service representative. Please be aware that an administration fee will apply to reattach your plates.


Took a bit of finding !!!