Re: Dashcams: Drivers' footage leads to prosecutions
Originally Posted by Realist
Man A is a claim free driver, never had any convictions or claims
Man B has 2 speeding tickets, 3 claims under his belt and has been previously done for drink driving
Are you saying that both men will receive the same quotation figure on the basis that they just have the same car?
Where and how the car was stored would have far more bearing on the premium - as far as I am aware they only ask, and I quote:
In the last 5 years have you had insurance refused, cancelled, avoided or renewal not offered, no claim refused and no special conditions imposed?
Have you had a licence cancelled or suspended due to driving offences in the last 2 years?
The insurance application also says:
You can reduce the under 25 age excess from $1600 to $400 by telling us that a person under 25 might drive the vehicle. This may affect the premium you pay.
As I say you insure the car not the driver if you fall foul of the two conditions above just register and insure the car in your wife's/son's/daughter's name. That would be no good to me because I get my rego free because I am a pensioner.
As an aside different companies view risks differently. My son used to have a new Holden Thunder Ute which is viewed as a sports car here (3.5 litre V6 or 6 litre V8) some companies will only insure them if the applicant is over 30. My son (25 at the time) shopped around and found comprehensive premiums varied by over $1200 per year.
The funny thing is that now he has a 2004 2 litre VW Golf with just bomb insurance.
I should also add that if you drive without a valid licence, not only are you charged with driving unlicensed but you are also charged with driving whilst uninsured because your CTP insurance is only valid if the vehicle is driven by a licensed driver.