2 questions (activated carbon & car insurence)

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tkgit

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#171462 19-Apr-2015 14:09

Hi all,
- in my my home country i used like this
http://www.sukamart.com/id/home-kitchen/housekeeping/bathroom-toilet/bagus-anti-bau-toilet-100-gr.html#.VTMMAU5zXMI
for smell absorber, now i'm in NZ, where can i buy like that?

- should we insure our car? If the car must hsve insurance, where is the affordable one? (not too much expensive comparing their services)

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#1287212 19-Apr-2015 14:19

Can't help with your first question, but in regards to the second: YES.

While not compulsory in NZ you would be silly to drive without it. Not only does it cover you if you stuff up, but (with the appropriate level of cover) it covers you even if you are in no way at fault.

Insurance costs can differ greatly based on your location, car and driving history. Best bet is to use a couple of online quotes to get an idea on costs/coverage and than shop around.

AA insurance have always been good to us and very reasonable price wise. Other major brands include AMI, State, Tower, Youi, Clubauto, Vero etc. Or try through your bank.

Batman

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#1287295 19-Apr-2015 17:04

if you hit a BMW/Audi/Merc/Porsche you better have insurance if you want to live from that point on

lxsw20

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#1287297 19-Apr-2015 17:07

If you aren't worried about your car so much, just get 3rd party insurance. In the case of you hitting someone elses car and it's your fault, then the insurance company pays to get the other persons car fixed, but not yours.

Batman

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#1287299 19-Apr-2015 17:09

you really need to shop around. every insurer has different formula to calculate your premium depending on your demographic. so we cannot tell you who's cheaper without you revealing your entire life. even then we still won't know.

nakedmolerat

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#1287317 19-Apr-2015 17:17

If you trust your driving and you are confidence that you shall never make mistake, you don't need insurance.

Batman

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#1287319 19-Apr-2015 17:23

I didn't know perfect humans exist ...

Or perfect judicial systems. If the Porsche driver sues you for damages to his car you can go to court and prove you didn't make a mistake. Good luck.

scuwp

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#1287377 19-Apr-2015 18:50

nakedmolerat: If you trust your driving and you are confidence that you shall never make mistake, you don't need insurance.

It's all the other nutters that we need to worry about. Get insurance!!! It should be compulsory IMO.

...and I have no idea what that product is, or where you can get it. You can buy odour 'eating' sprays in the supermarket? Or light a match?

Lazy is such an ugly word, I prefer to call it selective participation

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toyonut

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#1287380 19-Apr-2015 18:58

nakedmolerat: If you trust your driving and you are confidence that you shall never make mistake, you don't need insurance.

That is the dumbest thing I have ever heard. I am hoping there was meant to be a sarcastic wink in there somewhere. Accidents happen and you don't want to be paying for an accident for years.

If you are getting insurance for house and contents too, see if you can go with someone who will do car and house to save some money. We go through ASB for banking and insurance and it is pretty reasonable.

Try Vultr using this link and get us both some credit:

http://www.vultr.com/?ref=7033587-3B

nakedmolerat

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#1287386 19-Apr-2015 19:11

paulmilbank:
nakedmolerat: If you trust your driving and you are confidence that you shall never make mistake, you don't need insurance.

That is the dumbest thing I have ever heard. I am hoping there was meant to be a sarcastic wink in there somewhere. Accidents happen and you don't want to be paying for an accident for years.

If you are getting insurance for house and contents too, see if you can go with someone who will do car and house to save some money. We go through ASB for banking and insurance and it is pretty reasonable.

No, it isn't.

I have known a handful of people who didn't take insurance ever. I personally won't bother with car insurance if I live in Masterton or West Coast (despite my cars are brand new, fully paid) . The risk there are too small. You can further reduce the risk if never drink alcohol, only drive when you're 100%, no night time or bad weather driving etc.

You're much better off saving/invest the money rather than paying others to manage your risk.

Remember, you're only needed to pay if you're at fault.

JamesL

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#1287392 19-Apr-2015 19:26

http://www.damprid.com/product/disposable-moisture-absorber-with-activated-charcoal from mitre 10

Lurch

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#1287396 19-Apr-2015 19:35

nakedmolerat:
I have known a handful of people who didn't take insurance ever. I personally won't bother with car insurance if I live in Masterton or West Coast (despite my cars are brand new, fully paid) . The risk there are too small. You can further reduce the risk if never drink alcohol, only drive when you're 100%, no night time or bad weather driving etc.

You're much better off saving/invest the money rather than paying others to manage your risk.

Remember, you're only needed to pay if you're at fault.

There is some good logic in there, until one day your car is stolen.

lxsw20

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#1287405 19-Apr-2015 19:48

nakedmolerat: If you trust your driving and you are confidence that you shall never make mistake, you don't need insurance.

If you are new to New Zealand roads, this simply isn't good advice.

floydbloke

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#1287413 19-Apr-2015 19:58

nakedmolerat:
paulmilbank:
nakedmolerat: If you trust your driving and you are confidence that you shall never make mistake, you don't need insurance.

That is the dumbest thing I have ever heard. I am hoping there was meant to be a sarcastic wink in there somewhere. Accidents happen and you don't want to be paying for an accident for years.

If you are getting insurance for house and contents too, see if you can go with someone who will do car and house to save some money. We go through ASB for banking and insurance and it is pretty reasonable.

No, it isn't.

I have known a handful of people who didn't take insurance ever. I personally won't bother with car insurance if I live in Masterton or West Coast (despite my cars are brand new, fully paid) . The risk there are too small. You can further reduce the risk if never drink alcohol, only drive when you're 100%, no night time or bad weather driving etc.

You're much better off saving/invest the money rather than paying others to manage your risk.

Remember, you're only needed to pay if you're at fault.

What if your car suffers a mechanical failure which leads to an accident, even if you're not 'at fault' per se, you will still be liable.

Besides that, I can sleep easier knowing that if my car gets damaged by another party the insurance will cover repair/replacement and they do all the hard work of chasing up the 'at fault' party.

Did Eric Clapton really think she looked wonderful...or was it after the 15th outfit she tried on and he just wanted to get to the party and get a drink?

nakedmolerat

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#1287419 19-Apr-2015 20:16

Lurch:
nakedmolerat:
I have known a handful of people who didn't take insurance ever. I personally won't bother with car insurance if I live in Masterton or West Coast (despite my cars are brand new, fully paid) . The risk there are too small. You can further reduce the risk if never drink alcohol, only drive when you're 100%, no night time or bad weather driving etc.

You're much better off saving/invest the money rather than paying others to manage your risk.

Remember, you're only needed to pay if you're at fault.

There is some good logic in there, until one day your car is stolen.

You can reduce the risk by having trackers with geofence and capability to cut off the fuel. It costs less than a year insurance.

Batman

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#1287424 19-Apr-2015 20:31

I like the she'll be right mentality. Has saved them for centuries, no need to change

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