Insurance

[LJH]

Hey guys I'm new here 

I've run into a pretty major issue, I've just bought myself a 2007 aurion sx6 as an 18 year old red p plater who commutes to sydney city daily around 165km round trip (six days per work) for work. When I was younger I got done with some heft demerits and was given a police suspension (Dec 2022-Feb 2022) in court the judge ordered my license to be canceled (hence the red P plates at nearly 19) and I was suspended again in December of 2023 until March 2024 when I got caught by a camera doing 6km over the limit in the tolls tunnels (stupid ik) - and just before I bought my car I was T-Boned on my motorbike not at fault but a claim was made, most insurers are flat out refusing to insure me and the ones that don't refuse quote me around $5000-$6000 for full comprehensive. Have no family whose insurance I can be added to and as an apprentice I really can't afford $5000 for insurance. 

I know all of this is a result of stupid decisions made when younger - but if anyone has any helpful tips or advice it would be greatly appreciated 

I have been on the train for the past 3 months and it's a 4 hour trip each way so kind of need this sorted 

[L4WL3SS]

If you've answered all their questions honestly & tried all the majors then there's nothing you can do other than find the cheapest quote for 3rd party because that's the minimum you need to be out on the roads.

Some 3rd party insurance will also cover your car up to a small amount ($3000) if the other party is at fault & they have no insurance.

Because you will be driving around with no insurance for your own car, I suggest getting quality dashcams front & rear to cover yourself incase of any claims you need to make against someone at fault.

I recommend the viofo A129 pro duo

https://www.ebay.com.au/itm/295468431227

Start getting quotes again for comprehensive insurance, once enough time lapses to have confidence answering those licence disqualification questions without needing to disclose. Usually 3-5 years after the fact....

Edited September 27, 2024 by L4WL3SS

[LJH]

Yeah, kind of what I've been thinking, but due to how bad the drivers are through Chatswood and those areas I'll probs ensure it with someone like AusPost who have the cheapest insurance and will insure me but I will definitely get the cameras you suggested thankyou so much 

[TimW]

They may not choose to insure you, but there's a budget/low cost insurer you could check out 
They'd only offer 3rd party, but maybe worth a go https://www.essentialsbyaai.com.au/

Edited November 9, 2024 by TimW