Get Some
General => General Chat => Planes, Trains & Automobiles => Topic started by: Ares Helix on March 03, 2011, 10:28:53 am
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It'd be appreciated if someone could Sticky this.
Insurance for any form of performance vehicle, especially for younger drivers is a total nightmare.
Whilst there are a few places I'd recommend, I'll start this off by saying DO NOT UNDER ANY CIRCUMSTANCES INSURE YOUR VEHICLE WITH STATE.
I'd say this goes for their subsidiary company, National Auto Club.
We've moved away after they've treated both me and my wife like total shit.
My wife is now with AMI, and I'm with Clic car insurance, AMI's equivalent of NAC.
Whilst my excess and premiums went up a bit with Clic, they've covered all mods on my vehicle and accept that it's been tuned, as opposed to most insurers.
AA is another good choice, but they ended up being quite pricey.
Anyhow, hope this limited little bit of advice helps people out!
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Thanks for the advice.
It's important to pick a good insurance company.
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Clic is a lot cheaper for me than NAC, with a slightly higher excess.
State won't insure cars with mods worth more than 20% of the insured value, and they also didn't allow me to increase the amount it's insured for without a valuation :/
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With the added bonus of being complete tossers at claim time! YAY!
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I find state to be ok however don't have an extremely modded car.
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Lol paying less than half what NAC wanted to charge me with lower excess too
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If your a young'un and have a car you don't care too much about just get 3rd party. When you drive into that enevitable porsche you won't be in debt for the rest of your life and it costs like 100 bucks a year or something.
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Clic is a lot cheaper for me than NAC, with a slightly higher excess.
State won't insure cars with mods worth more than 20% of the insured value, and they also didn't allow me to increase the amount it's insured for without a valuation :/
Same applies with AMI (I suspect most insurance companies will be the same), I needed to get an valuation when they decided to under insure my car.
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If your a young'un and have a car you don't care too much about just get 3rd party. When you drive into that enevitable porsche you won't be in debt for the rest of your life and it costs like 100 bucks a year or something.
Totally Agree.
It would be silly and irresponsible not to get 3rd party.
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Same applies with AMI (I suspect most insurance companies will be the same), I needed to get an valuation when they decided to under insure my car.
Yep, but at least that value won't decrease (apparently, if it does, you can ask them to put it back up)
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My insurance experiences:
State are horrible full stop
Protecta are horrible to try and make a claim. Will do damn near anything to get out of paying a claim out.
NAC are overpriced but will actually pay out claims with a moderate amount of effort required.
Classic Cover are cheap for modded/tuned/classic cars and motorbikes etc, but will only insure fully license over 30 drivers.
NZI were alwasy really good at paying out, but when they tried to increase my excess by 250% and put my premiums up too I told them to fuck right off.
Currently with AA for contents/car and Classic Cover for my bike. Havnt had any issues with either yet, but havnt had to make a claim yet either.
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Daughter had a cheap car, made her get third party which she did thru AA.
Car was written off when an uninsured driver hit the side of her.
She got value of car $2500 from AA as they have a clause in their third party covering no accidents caused by an uninsured third party.
Did whole thing oevr phone in the week before Xmas and money was in account 6 days afetr accident.
Fantastic service going to look at them when I get quotes for redoing all my cover.
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why would you mod a car...............
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why would you mod a car...............
to make it go Pssssssssh Wah ! look at me, I have no penis.
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Yep, but at least that value won't decrease (apparently, if it does, you can ask them to put it back up)
Mine has been decreasing every year.
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to make it go Pssssssssh Wah ! look at me, I have no penis.
My car goes pssh and wah and I also have a penis! Winning!
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My car is just a tool which I used to reach a location in a shorter time then it would take walking there.
I don't see any advantage in making it louder.
What's up with those idiots who have their number plate hanging on an angle, can't they afford an extra screw?
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haha the screw was taken to hold some other part of the car together sm/ They watch to much TFTF and still think they in the 90's
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NAC insured my car over the phone this morning, no problemo.
Pretty nice gentleman I spoke to, I'll let you know if anything arises that ain't kosher.
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All i can say is state is terrible. Will really make you sweat come claims time, dont do common sense things like realise everyone ages, meaning you have to tell them you have aged, so your premiums/excess should change.
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I've had no problem with state... Car was broken into while we were away on holiday.
They stole pretty much nothing worth mentioning and due to the excess I decided to just get the window fixed and as I have glass it was free. They gave me a number I called the glass company and dropped the car in. They fixed the window and that was the end of it...
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Brokers - worth their weight in copper or some sort of other semi-precious metal :D
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I didn't really have any Issues with state, I was Insured with them for about 9 years and had two claims, one for vehicle being broken into, the other for someone sideswiping me and scratching all the paintwork, they paid out on both with no hassles (the latter they billed the guy who hit me), the only thing that pissed me off about them was that stupid valuation thing "your car is insured for $18k this year" .. "But I couldnt buy a new one the same for anything close to that" "but thats the market value" "then your market value is fucked up" .. etc ..
went to ASB, they had no issues insuring my car for what I wanted, and the premiums were less, and the comprehensive cover is pretty much the same (minus the 'roadside rescue' but i'm an AA member anyway)
So I guess I would also have to agree with the 'don't use state' purely on the valuation basis
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Brokers - worth their weight in copper or some sort of other semi-precious metal :D
Haha - best not comment ;)
I didn't really have any Issues with state, I was Insured with them for about 9 years and had two claims, one for vehicle being broken into, the other for someone sideswiping me and scratching all the paintwork, they paid out on both with no hassles (the latter they billed the guy who hit me), the only thing that pissed me off about them was that stupid valuation thing "your car is insured for $18k this year" .. "But I couldnt buy a new one the same for anything close to that" "but thats the market value" "then your market value is fucked up" .. etc ..
went to ASB, they had no issues insuring my car for what I wanted, and the premiums were less, and the comprehensive cover is pretty much the same (minus the 'roadside rescue' but i'm an AA member anyway)
So I guess I would also have to agree with the 'don't use state' purely on the valuation basis
Asb if memory serves use IAG for their private motor cover. And unless you have agreed value cover with them, if you have a total loss the settlement will be the lesser of the sum insured and the market value. So it really doesn't matter what you want to insure it for, the settlement would always be less if the car isn't worth that much.
Vero have even stopped putting a value on their comprehensive cover as the wording and basis of settlement is market value.
Basically because cars depreciate so quickly it's harder to get agreed value. Some companies offer it, but it's worth pointing out that you read the t&c's before taking it out. For instance the questions I'd ask are: How often do I need to provide a valuation? Will the insurer reduce the value at renewal? If so, how do they come up with a value? What if you don't agree with what they come up with?
For private motor you'll always get cheaper premiums going direct. But if its important to get claims settled quickly and efficiently, and if you want help at claim time to make sure the insurer doesn't pull a fast one, use a broker.
Same goes for home and contents - however, direct insurers have considerably worse wordings. An example is alternative accommodation. This is something a colleague of mine is seeing in Chch - their clients have a years worth of cover for alternative accommodation. This is where your house is unlivable, and the insurer pays for an hotel, or a rental etc. And some of the "other" covers are only 6 months. That's a huge difference and really important in large losses. And of course the broker is there to help smooth things through, plus of course an insurer like AMI will have thousands and thousands of people calling them and being in the queue, whereas a broker would have considerably less.
Lastly, if you're in business, it's very advisable that you use a broker. For instance, my company gets better wordings from a number of providers due to the amount of business we and our group have with them. Plus you get the advice about the correct amount of cover - things like business interruption aren't as simple as companies like Tower seem to think. Also, liability covers aren't all made equal - an example is one of my clients needed cover for sea testing boats he repairs, and only one company I went to would offer the cover without going to a really expensive ship-repairers policy.
Anyway, some advice is always better than no advice - and an insurance specialist is always going to be your best option :)
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What the Pom said.
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Got a new car, my dad was insuring it for me. I had just read this whole thread and was like lol never going with state then. Dad rings the insurance company trying to insure my car (i dont know what insurance company hes with) and they call me because my car is under my name and they need my permission to talk about it with him etc. So im like cool, then the person is like "hello its blahblahblah here from STATE insurance........"
Fuck
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Got a new car, my dad was insuring it for me. I had just read this whole thread and was like lol never going with state then. Dad rings the insurance company trying to insure my car (i dont know what insurance company hes with) and they call me because my car is under my name and they need my permission to talk about it with him etc. So im like cool, then the person is like "hello its blahblahblah here from STATE insurance........"
Fuck
One piece of advice. Make sure the insurance is in your name, and you are named as the main driver.
If you're not, and there's a claim, there's a good chance it will be declined due to non-disclosure. The cover will be more expensive, but otherwise you're actually just throwing money away - and if you want to do that, throw some over here ;)
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One piece of advice. Make sure the insurance is in your name, and you are named as the main driver.
If you're not, and there's a claim, there's a good chance it will be declined due to non-disclosure. The cover will be more expensive, but otherwise you're actually just throwing money away - and if you want to do that, throw some over here ;)
Yeah we tried to do that but they wouldn't because of my age for some reason, so we had to do it under his with me being a driver. And i have a $1000 excess.
They're pretty strict considering its only an AE101 1.6L 4AGE which has an alarm with an immobilizer.
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YEs but the risk isnt of it getting stolen...
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arent you only early twenties onion?
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arent you only early twenties onion?
From his profile - Date of Birth - May 6, 1995 (15)
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well if hes 15 no wonder they arent going to insure the car under his name
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well if hes 15 no wonder they arent going to insure the car under his name
Yep - also that engine doesn't help, 20 valve, vvt, all adds to the risk profile. Hell if was me, I wouldn't want that liability on my books.
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Yeah we tried to do that but they wouldn't because of my age for some reason, so we had to do it under his with me being a driver. And i have a $1000 excess.
They're pretty strict considering its only an AE101 1.6L 4AGE which has an alarm with an immobilizer.
As I said, make sure you are noted as the MAIN DRIVER, not just a driver.
Big difference come claim time.
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Yeah its 20v vvt but its only like 157hp, probably at the crank not even the wheels. I could understand if it was like a 2l turby but a naturally aspirated 1.6?
Oh well, and Xt im pretty sure im a main driver, will check though. Cheers.
YEs but the risk isnt of it getting stolen...
Its still a risk which the insurance company will have to pay out for...
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I've had no troubles with state. But am now with a different provider.
AA wanted double what I pay now.
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But the them the real exposure is of you fucking up a merc or some other really expensive motor through inexperience and irresponsibility. The cost of replacing your car is fuck all int he scheme of their risk assessment.
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Yeah its 20v vvt but its only like 157hp, probably at the crank not even the wheels. I could understand if it was like a 2l turby but a naturally aspirated 1.6?
Sadly, they treat VVT in the same way that they treat Vtech - barge pole.
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Ah true, so its just my age then doesn't matter what kind of car?
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That's the major factor, but I'm sure the car comes into it.
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Young fuckwits and cunty cars...yep...it's your age indeedy :)
Love my car. Old fuckwit and decent car. No need to speed however, just going 50 gives us a buzz.
Oh yeah, have insurance anyway, much as I hate the bloodsucking bastards (sorry XT, it's how I feel...are you well off,or poor?)
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i went with a broker, agreed value and glass cover etc, no roadside rescue or breakdown. car has factory immobilzer (holden commodore). mags, body kit, hot motor, sub n amp etc etc. im in my mid 20's
car garaged in locked and alarmed garage(has various farm things in it) in north canterbury. used to be with state $780 premium $1300 excess, broker got me $520 premium and $300 excess... i is happy.
inlaw's with AMI and they tried to get insurance for my mrs on thier 03 ford escape 3lt v6, wasnt happening, tried for me ... again not happening. we gave them the insurance poliy numbers of other companies i had with my 99 wrx sti ra, and 94 gtb and my commodores. they said no we still cant ensure you for the escape..... we was like WTF, weve had no accidents or claims ever and they still said no
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Damn, I just did the State online quote thing and it came out cheap as.
And it allowed me to set my own value for the vehicle rather than market value?
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Damn, I just did the State online quote thing and it came out cheap as.
And it allowed me to set my own value for the vehicle rather than market value?
must have changed since 2 years ago
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It wasn't an issue setting the value for my car, the issue was changing it.
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But the them the real exposure is of you fucking up a merc
Hit my merc, and I'll bash you at school bru.
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I don't think you would be very amused if I hit your merc....
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Lol at the "club auto" insurance ad advertising cheap insurance for modified cars when they have a stock Lotus Elise in the background. Would definitely put me off them straight away if i was looking for insurance with a modded car.
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Er, probably because you will probably struggle to get insurance for an Elise from a mainstream car insurance company derp.
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He's 15, leave him alone.
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If anyones interested, I ended up going AA rather than State.
Only a couple hundred more, and pretty much guaranteed no hassles (unlike State).
All the others (Tower, AMI, NAC, Club Auto) were all gonna be at least another $400 on top of AA.
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Er, probably because you will probably struggle to get insurance for an Elise from a mainstream car insurance company derp.
Still an unmodified car hurrr
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He's 15, leave him alone.
And this is why he needs to be told:
Still an unmodified car hurrr
Hurrr - may be heavily modified, but not in ways that show in its appearance - duuurrr
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nah m8, you can totes tell a modified car by the stickers on the side.
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If anyones interested, I ended up going AA rather than State.
Only a couple hundred more, and pretty much guaranteed no hassles (unlike State).
All the others (Tower, AMI, NAC, Club Auto) were all gonna be at least another $400 on top of AA.
AA Didn't want a thing to do with my Skyline, too modded. My wife was with them, but they ended up about $500 more expensive per year than AMI and had a higher excess. :(
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And this is why he needs to be told:
Hurrr - may be heavily modified, but not in ways that show in its appearance - duuurrr
Yeah but it would make more sense to animate a car with a heavily modified appearance or a shot of a modified engine bay etc into the advert rather than a stock looking lotus.
nah m8, you can totes tell a modified car by the stickers on the side.
Yeah good point....
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nah m8, you can totes tell a modified car by the stickers on the side.
moar stickers = faster amirite
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moar stickers = faster amirite
You decide...
(http://1.bp.blogspot.com/_2lrqPzp7Bts/TC02_SFIBhI/AAAAAAAAABA/Zbrar5WGdOQ/s1600/bumper_stickers.jpg)
(http://www.foxnomad.com/wp-content/uploads/2009/03/bumper-car-cropped-medium.jpg)
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fuck they look quick
wouldn't want to meet them in a dark rape dungeon
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(http://i24.photobucket.com/albums/c5/llmitchellll/IMG_1856.jpg)
DOHC VTEC
Fuck that must be quick, with DOHC VTEC.
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BerG has the right idea.
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Fuck.
AA just rejected me on getting the new R34 GTT insured with them, because of having one to many mods.
I was like 'the turbo timer isn't really a mod, it just makes the car stay running slightly longer when I turn the key off'.
Not interested. Fucking arseholes, not taking into account my spotless history with them.
Called State (forgetting this thread).
Told them every miniscule mod including turbo timer. The chick was telling me 'theres no way the computer will let this go through'.
But it did!
$800 premium! Cheap as boooooiii!
Nasty $2500 excess though, but I will never crash amirite.
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wow how the fuck is your excess so high, mines $800 with my gtb and im 22.... 50 a month
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Age I'm guessing. Berg - don't stop there, get some quotes from Clic, AMI and NAC. If you plan to put any other mods on it, state will tell you to gtfo and besides they're total shit service wise.
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I'm 24 wtf.
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One year off the magic 25 where things get better :)
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Thought i would revive this thread tiwa style. Bought a new car recently, and just got around to looking for insurance on it, and wanted to know roughly what is a good and bad deal. I am 21, had full for 4 years nearly. Car (levin bzg) is technically modified in that it has adjustable suspension fitted, and it also has some mags(pretty ave) on it. Gave my old insurer state a call, and they couldn't give me a final figure without knowing the costs of the modifications (which were done by the original guy who got it from japan 6 years ago, so they want me to get a dealer to give it a value). So before I get back to them, would be nice to have a number. For full insurance ofc.
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Go NAC. Fucking great, and you get promos etc.
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I was with NAC. I find Clic cheaper, and with better coverage.
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What kind of numbers are you guys getting on those though. My car is hardly modified compared to most in this thread, so i am hoping state won't make some deal about it.
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If the modifications are worth more than, I think, 25% of the car's value, State won't insure it.
My 96 VR4 is about $800pa, for full coverage + windscreen. $750 excess, but only applies to fixing my car.
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Well initial numbers state gave were about $130 per month, so its well above what you are paying. I believe that was with $500 excess though. And given they said they would do 3rd party for $40, it seems like they have an issue with the car (which again does blow my mind, since i wasn't expecting any issues with such a basic mod). I will def check out clic and NAC, then go back to state and see what they can do. But sounds like state isn't going to be at all a good option.
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Go NAC. Fucking great, and you get promos etc.
NAC only wanted to double my insurance costs and double my excess lol. I'm with state, ~50 a month for full cover 700 excess. NAC wanted 130 a month with 1500 excess
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That's why you only go with them if you get turned down by a mainstream company.
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Hey yo,
thread was started by me, my car really isn't stock and neither was my previous Levin.
Ok, First off - Don't go with State (worst service ever) or their subsidiary, NAC (sure they'll insure anything, but you'll pay for it BIG TIME)
Having said that, the suspension shouldn't be over the 25% it depends what you're insuring it for...
and the cost of the suspension.
One thing to note, is that you may need to have it certed (required for adjustable suspension) - check this out asap, as if it's not and needs to be, then your insurer
won't pay you a cent.
I'd recommend clic if you are planning extra mods - i've got all my mods covered and only have a nasty excess on theft - if not ring around man, but personal preference
is stay the hell away from state bro. AA is a good place to startbut they're a lil pricier than other companies. Best thing about them though is you pay your premium,
and insure your car for the price listed, and the value doesn't depreciate, as far as i'm aware they're the only company that does this.
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Well the car has the LVV cert for the suspension, so no problems there. I can't imagine I would do any real modifications, since most my time will be spent just fixing up stuff the previous owners have done, as well as making the car look a bit sharper. That being said this car is pretty much some temp car i bought to drive to work, and the only reason it has mods are it was just priced so well, it was a solid buy in terms of resale. But i do plan to get a nicer car in half a year or so, so it would be nice to remain with the same company if i did go the mods route.
I will probably give clic a call 2mrw or so, and see what they can do. I will probably stay away from state. The only reason i even went that route is my parents are on everything with state (cars, H&C etc), and they said i could probably get a good pricing just going under their plan, and paying them. But it might just be easier to go with another company.
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Im with NAC.
5 star alarm got me down to $1500 theft excess (from $5000?). Just had a cracked windscreen which was sorted with a very easy 2 min phone call.
May smash windscreen again soon so I can once again enjoy the service.
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FWIW, if any of you are 30+ and have had your full license for 2 years, classic cover is just about guranteed to be your cheapest option. Specialise in classic cars, modded cars, and bikes. Halved my bike insurance.
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Just rang clic, would be the same price as NAC, $1300 a year premium.
God knows how you managed to get off $50 a month at State for full cover codex :(
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Because his car is largely unmodified I suppose.
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Im with NAC.
5 star alarm got me down to $1500 theft excess (from $5000?). Just had a cracked windscreen which was sorted with a very easy 2 min phone call.
May smash windscreen again soon so I can once again enjoy the service.
That's impressive mate. My quoted excess for theft was $4,500 after taking into account its 5 star alarm.
Lias - I've looked into that, but the only way they'd cover me is if I drive the car for less than (from memory) 5,000 a year.
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Just rang clic, would be the same price as NAC, $1300 a year premium.
God knows how you managed to get off $50 a month at State for full cover codex :(
Luck I guess xD
Because his car is largely unmodified I suppose.
Only mod is exhaust and tein adjustables (fully certed)
Also what nz considers a 5 star alarm isn't even allowed to be sold as a one star in most other countries lol avs and mongoose being some of the bads, uniden being the worst >_>
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None of the usual's wanted to know about me, Clic and NAC were going to give me insurance but it was going to be pretty expensive
Amazingly, even though I have lost my licence three time in the last 5 years State insured me (age 23) for $860 with a $900 excess across the board
Car is a 2003 Legacy GT E-Tune (In other words a twin turbo 280hp GT-B with lots of cosmetic shit and a short shifter) manual with exhaust, non standard subbie rims, sounds etc - Insured for $13,900 (their valuation) even though I got it for $10,000
Only has the standard Subaru semi-alarm with immobiliser too
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State take your money, but not always so keen to pay out.
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^Yea, they probably have their deny claim stamp & reason for denial all sorted, before they even offered to insure you.
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None of the usual's wanted to know about me, Clic and NAC were going to give me insurance but it was going to be pretty expensive
Amazingly, even though I have lost my licence three time in the last 5 years State insured me (age 23) for $860 with a $900 excess across the board
Car is a 2003 Legacy GT E-Tune (In other words a twin turbo 280hp GT-B with lots of cosmetic shit and a short shifter) manual with exhaust, non standard subbie rims, sounds etc - Insured for $13,900 (their valuation) even though I got it for $10,000
Only has the standard Subaru semi-alarm with immobiliser too
Ask any dealer, none will be able to tell you difference between third gen gtb and third gen gtb e tune, the only difference I could ever find from both factory specs was skirting is different rofl.
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So ASB/IAG just dumped me today because my car is too modded... sigh...
So I've filled out the quote form for NAC and Club Auto.
But who would be better NAC, CA or CLIC?
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Clic is a lot cheaper than NAC for me.
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So someone hit the side of my mums parked car, and she went to her insurer (state), and they said they will fix it (as expected), but that she (and my dad cos they share a policy) will lose their no claim bonus, and expect to pay $300 odd more a year. Is this correct for insurers. To me it makes sense to only lose your no claim bonus, if the accident is your fault.
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I thought since they claim was in your favour you wouldn't lose no claims since it's their insurance company that should be fixing it?
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Well not really. Unfortunately they've only got your mum's word for it that it was someone else, and they'll probably see it like that.
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I'm not to sure how you could manage to hit the side of your own parked car.
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I'm not to sure how you could manage to hit the side of your own parked car.
MUM BUSTED DRIFTING!
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Yea sounds like the insurance has said something similar. And with no parking lot camera, seems like they gotta take the loss of no claims bonus.
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Just in case no one has noticed, the NZ star rating system for car alarms is now null and void, it means nothing and the industry now has 0 moderation.
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So anyone got any updates on good/bad insurers. Bought a new car(skyline gts20 manual), and not sure who to go with. Car has slight modifications, 4 average mags, full exhaust, lowered ever so slightly on springs.
State's online system has given me $52 a month (but i am assuming they will bump it up a little on the phone). AMI/Club auto (through tower) gave me $80. Kiwibank (through tower as well) gave me $120. At the moment state seems the obvious choice, but i am always weary of going with them. So anyone who has any advice (especially for a sligthly modified car which always gets the awkward questions).
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3rd party?
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Full insurance.
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State always been good for me with vehicle. Can't fault them there.
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State quoted me $60 for full for a r34GTT on their online system, they wanted closer to $100 over the phone due to the mods. Club Auto have been pretty good about modifications from others i know who have ended up with them (as long as they're legal), they offered me $80 a month. I missed out on the car though :(
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Under 25? Only Club Auto or NAC will take you.
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Yea under 25. Ended up going with state after i called and they gave me a good price with the mods. The guy mentioned something about nac on the phone, but after listing my mods he seemed happy to do the policy at $54 a month. Was able to explain the mods are fairly low key, and near impossible to steal (other than the wheels which i dont know why anyone would steal other than for tires), and that they all came with the car (which he seemed to put some emphasis on, so prehaps they are less interested in people actively modding their car). Fairly happy i guess, since my previous car had modifications (including certed suspension), and ended up getting quoted at $140 something (and ended up just going third party since the car was only worth 3.5k).
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State are a pack of wankers.
They would insure me on a 107hp race bike with headlights, but wouldn't insure me for a 105hp 1989 mx5 because it was considered a high performance car
(http://media.tumblr.com/tumblr_lvv4jvx4xj1qemoij.png)
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All you guys should get over 25 already.
It's awesome.
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Its awesome until you realise you're almost 30. 1/3 of the way through your existence. You are no longer a youngen. You have a career, and a long term girlfriend. You still dont own a home. Why did you waste all that money on cars and computers? Why didn't you save your money so you would now have a huge deposit for a house and have a bunch of schmucks living in it paying it off for you? Why didn't you keep going to those Tae Kwon Doe lessons as a child? You would have had a black belt by 12. Why didn't you leave school and travel the world, living on whatever shit paying job you could find? Its too late now.
But worst of all...why didn't you have sex with Sally? It was there for the taking.
If only we could go back.
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If only we could go back.
I'm working on that. I just need to acquire enough plutonium.
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Its awesome until you realise you're almost 30. 1/3 of the way through your existence. You are no longer a youngen. You have a career, and a long term girlfriend. You still dont own a home. Why did you waste all that money on cars and computers? Why didn't you save your money so you would now have a huge deposit for a house and have a bunch of schmucks living in it paying it off for you? Why didn't you keep going to those Tae Kwon Doe lessons as a child? You would have had a black belt by 12. Why didn't you leave school and travel the world, living on whatever shit paying job you could find? Its too late now.
But worst of all...why didn't you have sex with Sally? It was there for the taking.
If only we could go back.
*owned home at 25*, *has travelled around*, *didn't want sex with sally*
oh, and inb4.. *doesn't have rich parents*
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Its awesome until you realise you're almost 30. 1/3 of the way through your existence. You are no longer a youngen. You have a career, and a long term girlfriend. You still dont own a home. Why did you waste all that money on cars and computers? Why didn't you save your money so you would now have a huge deposit for a house and have a bunch of schmucks living in it paying it off for you? Why didn't you keep going to those Tae Kwon Doe lessons as a child? You would have had a black belt by 12. Why didn't you leave school and travel the world, living on whatever shit paying job you could find? Its too late now.
But worst of all...why didn't you have sex with Sally? It was there for the taking.
If only we could go back.
THIS MAN SPEAKITH THE TRUTH *off for a cry
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*didn't want sex with sally*
Sex with Sam?
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All you guys should get over 25 already.
It's awesome.
yeah I am 25 now so it's a moot point, but they're still cunts.
Its awesome until you realise you're almost 30. 1/3 of the way through your existence. You are no longer a youngen. You have a career, and a long term girlfriend. You still dont own a home. Why did you waste all that money on cars and computers? Why didn't you save your money so you would now have a huge deposit for a house and have a bunch of schmucks living in it paying it off for you? Why didn't you keep going to those Tae Kwon Doe lessons as a child? You would have had a black belt by 12. Why didn't you leave school and travel the world, living on whatever shit paying job you could find? Its too late now.
But worst of all...why didn't you have sex with Sally? It was there for the taking.
If only we could go back.
Also having a plan.
I was yarning with some of the dudes in my class the other week, a dude asked what our plans were when we left uni, the 20-22's were all "ohh...yeah....no plans yet aye.....maybe travel....I dunno really" I said "Get a job at fisher and paykel, 3 to 5 years there then get into the automotive industry in japan, uk/europe or maybe america" with total conviction.
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"Get a job at fisher and paykel, 3 to 5 years there then get into the automotive industry in japan, uk/europe or maybe america" with total conviction.
Don't get a job at fisher and paykel.
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Don't get a job at fisher and paykel.
as a controls engineer? why not?
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You still dont own a home.
Well luckily since you don't have a house (aka a giant financial anchor) you can up and run at any point, save every penny for a few months quit your job and fuck off around the world for a year or 2. You will soon forget about Sally once you start mingling with the locals.
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as a controls engineer? why not?
well i guess it depends on whether its healthcare or appliances. Was referring to healthcare.
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Well luckily since you don't have a house
How is he lucky he doesn't own something worth hundreds of thousands of dollars?
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How is he lucky he doesn't own something worth hundreds of thousands of dollars?
Because most NZ home owners (especially young ones) have the title to a house and are hundreds of thousands of dollars in debt and are paying thousands of dollars of interest every year.
Sure you can rent out to get some flexibility but then you then need to always worry about the tenants moving out (if you stop getting rent for a couple of months you are fucked) or fucking over the house, have to worry about the rental market, have to worry about house prices, have to pay for maintenance and buying insurance.
I feel it puts many people into a mindset where they can't take any risks because "I have a mortgage to worry about", can make for a pretty boring late 20s and early 30's IMO.
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Because most NZ home owners (especially young ones) have the title to a house and are hundreds of thousands of dollars in debt and are paying thousands of dollars of interest every year.
Sure you can rent out to get some flexibility but then you then need to always worry about the tenants moving out (if you stop getting rent for a couple of months you are fucked) or fucking over the house, have to worry about the rental market, have to worry about house prices, have to pay for maintenance and buying insurance.
I feel it puts many people into a mindset where they can't take any risks because "I have a mortgage to worry about", can make for a pretty boring late 20s and early 30's IMO.
property management company?
note: I know fuck all about how the property management company-property owner thing works.
well i guess it depends on whether its healthcare or appliances. Was referring to healthcare.
I'm 50/50 on appliances vs healthcare. I just see F&P as a means to an end.
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Cleaning appliances
Pros:
Doesn't complain when you need something cleaned.
Cons:
Can't stick your dick in the whiteware.
Brilliant thing about insurance companies, young people and vechicles on the 'risk' list:
They'll happily take all your money for your overpriced premium, but when it's time to claim, you're a young person in a sports car, it's your fault, no payment.
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Brilliant thing about insurance companies, young people and vechicles on the 'risk' list:
They'll happily take all your money for your overpriced premium, but when it's time to claim, you're a young person in a sports car, it's your fault, no payment.
Pretty much what i am worried about. That being said, hoping it will just be $50 a month for peace of mind and i never need to claim :>
I'm 50/50 on appliances vs healthcare. I just see F&P as a means to an end.
I dont think just aimlessly going to F&P (or even a lot of big companies is a great way to develop your skills). Its definitely worth looking around the smaller companies. Assuming you already have prior skills, you will get a much better chance to showcase them in smaller companies.
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Double post back on topic. Got the documents today, and one thing i noticed was they listed the mods as being done after purchase, rather than before. I am wondering whether this is something thats worth chasing up? Is it likely to effect premium or claims etc. Anyone know how they use that criteria (as in more likely to insure people who buy with mods rather than mod themselves etc).
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Insurance companies will find ANYTHING to get out of paying up when its time. Make sure everything to do with your policy is correct.