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  1. #81
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    Quote Originally Posted by callmedragon22 View Post
    But that's why they have insurance?? Not everyone can afford car insurance, and public transport isn't viable for everybody. My car isn't worth the money to have car insurance, simple as that.
    Wow. It's still cheaper to pay for insurance than it is to repay the cost of repairing someone else's car after you damage it.

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  3. #82
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    mummabec is offline I could hold you for a million years, to make you feel my love
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    Ctp does stand for compulsory third party but there's 2 types of third party. One for bodily injury (compulsory) and one for property damage (not compulsory) if your not at fault and you have to claim through your own insurance you should lose your no claim bonus!

    We have a small amount of savings, wish it was more but we just can't seem to grow it any more
    Last edited by mummabec; 19-08-2013 at 15:45.

  4. #83
    rainbow road is offline look at the stars, look how they shine for you
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    Quote Originally Posted by TeBe View Post
    So you agree that ctp is an acronym for compulsory third party insurance? Why did you say that third party insurance is not compulsory?
    Because CTP and third party are different.

    CTP is COMPULSORY - you cannot register a car without it. It covers the driver, not the car. I called it CTP because it is called CTP.

    Third party is optional that covers the other driver's CAR if you have an accident and are at fault. It doesn't cover your own vehicle though.

    Comprehensive insurance covers both your own vehicle and the other vehicle if in an accident, at fault or otherwise.

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  6. #84
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    Quote Originally Posted by rainbow road View Post
    Then don't insure your car, insure yourself for if you hit someone else's. you need to look into it, because like I said, my grandpa was hit by an uninsured girl. His insurance paid for the repairs but she is on a payment plan with the insurance company a year and a bit later because if you're at fault, you do still have to pay.

    IMO if you can't afford basic third party insurance (I paid $30 a month for mine, peanuts) you can't afford a car.
    See, now I'm just confused. When my Mum was hit by a car (uninsured), she got a payout for her insurer (car was written off) and they were never chased up by her insurer...

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    Yes I have savings to try buy a house

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  9. #86
    rainbow road is offline look at the stars, look how they shine for you
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    Quote Originally Posted by callmedragon22 View Post
    See, now I'm just confused. When my Mum was hit by a car (uninsured), she got a payout for her insurer (car was written off) and they were never chased up by her insurer...
    How on earth do you know if the chased up the other person? They would have.

    It's the insurance company who deal with it.

    Just say you hit me. You have no insurance. I call AAMI and claim, my car gets fixed and I go on my way. AAMI however, will chase you up, and you will have to arrange to pay back AAMI. I don't hear from you again. The insurance company is the intermediary.

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  11. #87
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    LifeInShadesOfGrey is offline Just a little bit silly :)
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    Deleted because rainbow road explained for me

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    I agree with RR - you should def look into third party! If you go through youi it would be SO cheap and just for peace of mind! Not only that but its hardly fair to say oh well if they have their car insured and its a half decent car and I hit it, then oh well they can pay for it! I mean just because someone DOES have insurance and a nice-ish car doesnt mean they can afford to pay for the excess etc if they have to claim! Or that they dont make sacrifices to insure!

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  14. #89
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    What if someone hit my car and neither of us were insured. Even though I am not at fault does it mean I get nothing?

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    Quote Originally Posted by rainbow road View Post
    How on earth do you know if the chased up the other person? They would have.

    It's the insurance company who deal with it.

    Just say you hit me. You have no insurance. I call AAMI and claim, my car gets fixed and I go on my way. AAMI however, will chase you up, and you will have to arrange to pay back AAMI. I don't hear from you again. The insurance company is the intermediary.
    Because we knew the family who hit us. Hmmm definitely going to look into insurance now though, clearly I had everything all wrong (I haven't been driving for long!!)

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