Insurance + Traffic light urgent help asap!!

[Hybrid34]

let me restate myself, im in a tizz because I need to insure my new car that im getting tomorrow, but also i have to tell them about my traffic light, which in no way is fraud. Im saying if i mention both, I have a feeling they won't insure me.....?!?!

this post has been repleated twice, sorry for the double post, but this is urgent as its tomorrow that i have to make a descision, hope you guys understand where im coming from.

[Hybrid34]

The main problem I have is that I need to insure my new car which im getting tomorrow with RACV, which are my insurance company is now. Thus if i tell them i've hit a traffic pole i need to be covered for that, yet in the next breath i say, oh and i want to insure my new car i just got, they might not insure me anymore, thats my main problem:S....any ideas?

[Laminge]

.... and what are you going to tell another insurance company if you don't use RACV, that you have had no accidents in the last 5 years?

I would like to read your question in such a way that your not trying to scam the system, but alas...

Rest assured though, like all forums, your posts would have been already noticed by insurance companies trolling the forums.

[gthofan]

just play it straight down the lines. insurance companies WILL come down on you hard if they find out you have held information back.

[holmsy]

just tell them dude. there is no way around it.

[[Tonko]]

Insurance fraud mean anything to you?

[Hybrid34]

nooooo
its not holding information back, im saying how can i insure my new car if i tell them before i need to get cover for the traffic light

[XRated]

FFS! Ring up whoever the crashed car is insured with.... Tell them the truth and what happened. They are going to find out sooner or later. If they choose not to cover you now, they will choose not to cover you later when they do find out.

If anything, they will just make your excess higher for the next car to be insured under your name.

[Allen]

I think they would expect you to have a new car after you crash your old one... Its not going to seem suss that you would like to continue having insurance after having a stack.

Just tell them what has happened.

[Hybrid34]

Yeah I am, I wasn't going to dodge them at all, I just wanted to know how i should go about things, thanks for the replys, and people who understand what type of position im in.

[kyro_02]

tell 'em wouldn't be worth it if you get found out. the light pole has probably seen better days though,

[Psycho Chicken]

What's the point of having insurance if you're not going to use it?

[Hybrid34]

Ahhh ok i think i wrote it wrong, i just wanted an Idea of how i should approach the insurance companies about the pole, the car and my car im getting, no dodging here as i know I wouldn't want a black mark next to my name for the rest of my life....
thanks!

[LTDHO]

When insuring the new vehicle advise you insurer of the previous accident.
You have a duty of disclosure.

[naughtyfalcon]

have you lodged a claim at all,if not do it,then tell them you another car and will they insure it,they can only give one of two answeres.

or,insure the second vehicle and let then know at the same time you need to claim on the first one.

[Racecraft]

one at fault accident will not make you uninsurable, you might have a higher premium but you will still get covered.. Don't stress, just tell the truth and everything will be apples..

[Hybrid34]

yeah thanks guys im calling them this morning as im gettin my xr6 tonight, but yeah going to lodge the claim aboitu the pole then insure the new car. cheers for all your help...

[Sorted]

Was the car you had the accident with insured?

If it was all you have to do is a change of vehicle with your current insurer as the policy will still be current if you were only insured for Third Party Only or Third Party Fire and Theft..............

So remove the car you had the accident with off the policy and replace it with the new car, the policy will still cover you for all third party costs as at the time of the accident your other car was the insured vehicle.

If it was insured for Comprehensive then thats a different story.......

[EA2BA]

You report the pole on your old insurance, ask them to move the policy to your new car and all done, simple as that usually. They may turn around and say I am sorry sir we wont insure you which is entirely within the right of the insurance company.

[LTDHO]

Originally Posted by DRHEMI

Was the car you had the accident with insured?

Have you read the thread?

Originally Posted by DRHEMI

If it was all you have to do is a change of vehicle with your current insurer as the policy will still be current if you were only insured for Third Party Only or Third Party Fire and Theft..............

So remove the car you had the accident with off the policy and replace it with the new car, the policy will still cover you for all third party costs as at the time of the accident your other car was the insured vehicle.

If it was insured for Comprehensive then thats a different story.......

If you claim for a written off car you do not get a refund in premium.

[Hybrid34]

Hey guys, called them uptoday, they said its all fine and doesn't affect my preimuim:S, so its $755.48 for 3rd party at RACV for 18yr old under my partents name.
Told them about the traffic light, and its all good whooa its a whole load off my back!

[Sorted]

Originally Posted by LTDHO

Have you read the thread?.

His is reporting the pole on his insurance so I presume he is insured.

Originally Posted by LTDHO

If you claim for a written off car you do not get a refund in premium.

Did you read the bit where I said "If it was insured for Comprehensive then thats a different story......."

How can he claim for a written off car if he does not have comprehensive insurance?

If there is no pay out for a total loss then the contract is not fulfilled on a TPO or TPF&T policy therefore the policy will still be current.

[EDXR6T]

Originally Posted by DRHEMI

Was the car you had the accident with insured?

If it was all you have to do is a change of vehicle with your current insurer as the policy will still be current if you were only insured for Third Party Only or Third Party Fire and Theft..............

So remove the car you had the accident with off the policy and replace it with the new car, the policy will still cover you for all third party costs as at the time of the accident your other car was the insured vehicle.

If it was insured for Comprehensive then thats a different story.......

Put your Glasses on.

He didnt hit any one else, There was suposably another car involved but no collision of any type.

[Sorted]

Originally Posted by EDXR6T

Put your Glasses on.

He didnt hit any one else, There was suposably another car involved but no collision of any type.

Post whore

That has nothing to do with a TPO or a TPFT policy still being current after a write off

[EDXR6T]

Originally Posted by DRHEMI

Post whore

That has nothing to do with a TPO or a TPFT policy still being current after a write off

Na just a smart *** ****er.

And when did I say it had anything to do with anything????
It was correcting your incorrect presumption in beliving he hit another vehicle.

[Hybrid34]

yeah was third party fire and theft, and only took out the traffic light, nothing else, and yeah car is write off but no insurance as they other car didn't own up, thus I lost out...

[Sorted]

Originally Posted by EDXR6T

Put your Glasses on.

He didnt hit any one else, There was suposably another car involved but no collision of any type.

LOL I think you need glass's, no where did i write that he hit another car?

I was only talking about this written off car and his new car on his insurance policy.......... :togo:

Where i wrote "Was the car you had the accident with insured", it was meaning Hybrid34's car, not the commodore, as then I went on to say "if it was all you have to do is a change of vehicle with your current insurer as the policy will still be current if you were only insured for Third Party Only or Third Party Fire and Theft.............."

How can his insurance relate to the other drivers vehicle? Noice!

[Laminge]

No point to this thread anymore