facthunter Posted May 4, 2013 Share Posted May 4, 2013 You can't insure against everything. Life insurance, surely a misnomer. Nev 3 Link to comment Share on other sites More sharing options...
Bandit12 Posted May 4, 2013 Share Posted May 4, 2013 iSelect was the broker, and the insurer is AMP (Elevate policy). St Andrews was previously but they didn't cover me. They went through a large number of statements where you had to declare whether you had this problem, or undertake that activity. One was flying, but not as a fare paying passenger in a commercial aircraft (from memory). I said that I did, and they then went on to ask more questions about licencing and number of hours each year etc. In the end it was cheaper than St Andrews. Link to comment Share on other sites More sharing options...
dazza 38 Posted May 4, 2013 Share Posted May 4, 2013 I have $ 120 000 death benefit as apart of my Super. I don't have Life insurance and don't need any as the 120 K will be more than enough to pay out all of my debts. 1 Link to comment Share on other sites More sharing options...
turboplanner Posted May 4, 2013 Share Posted May 4, 2013 Maybe check the clauses in the super - death benefits are what we are talking about. Link to comment Share on other sites More sharing options...
ahlocks Posted May 4, 2013 Share Posted May 4, 2013 I'm pretty sure I won't be too interested in money when I'm carked. 3 Link to comment Share on other sites More sharing options...
turboplanner Posted May 4, 2013 Share Posted May 4, 2013 I'm pretty sure I won't be too interested in money when I'm carked. When your buckets of rivets land in the child care centre your assets will be toast, so the family will be out on the street. Link to comment Share on other sites More sharing options...
ahlocks Posted May 4, 2013 Share Posted May 4, 2013 I only fly near retirement homes and besides, no insurance, no assetts, no worries... remember?! 2 Link to comment Share on other sites More sharing options...
turboplanner Posted May 4, 2013 Share Posted May 4, 2013 I get it, sort of help them over the great divide........ Link to comment Share on other sites More sharing options...
ahlocks Posted May 4, 2013 Share Posted May 4, 2013 It's a sport really... 1 Link to comment Share on other sites More sharing options...
kaz3g Posted May 4, 2013 Author Share Posted May 4, 2013 It's a sport really... Steady on... You could be speaking about me in a few years, Kaz Link to comment Share on other sites More sharing options...
Marty_d Posted May 9, 2013 Share Posted May 9, 2013 Big difference between perception and reality. Just because something is perceived as dangerous doesn't mean it is.Interestingly, aircraft are the most dangerous vehicles (fatalities per trip taken) after bicycles and motorcycles. - boingk Is that limited to light aircraft or all aircraft including commercial? I was under the impression that commercial aviation was statistically the safest form of transport, although that might have been calculated on a distance basis rather than per trip. Link to comment Share on other sites More sharing options...
turboplanner Posted May 9, 2013 Share Posted May 9, 2013 There was a huge difference between RPT and light aircraft last time I looked, so I would leave RPT out of the equation Marty. It's when there's a regular popping off and you know many of them that the statistics start to have meaning. Link to comment Share on other sites More sharing options...
facthunter Posted May 10, 2013 Share Posted May 10, 2013 I resemble some of those remarks. There is no justice only LAW. The only ones safe are the very rich and the destitute. The original socialist, JC said " those who have nothing have nothing to lose'. Certainly the truth, I would suggest. Nev 1 Link to comment Share on other sites More sharing options...
turboplanner Posted May 10, 2013 Share Posted May 10, 2013 Don't leave out the prudent ones who insure FH Link to comment Share on other sites More sharing options...
ahlocks Posted May 10, 2013 Share Posted May 10, 2013 You sure you're not an insurance parasite rep Tubz..?! Link to comment Share on other sites More sharing options...
Gentreau Posted May 10, 2013 Share Posted May 10, 2013 You can't insure against everything. Life insurance, surely a misnomer. Nev That's why the correct term is Life Assurance, not insurance. Insurance covers a potential risk, assurance covers a certain event. 1 Link to comment Share on other sites More sharing options...
rankamateur Posted May 10, 2013 Share Posted May 10, 2013 That's why the correct term is Life Assurance, not insurance.Insurance covers a potential risk, assurance covers a certain event. Assured that just as you have one, you will be losing one. So just what are they assuring? Link to comment Share on other sites More sharing options...
facthunter Posted May 10, 2013 Share Posted May 10, 2013 That they will make money. Betting on when you die doesn't stop you dying. I'll bet all I own against your car that the world won't end in the next 3 years. If it does end how do you collect. Free beer tomorrow!!!!! Nev 1 Link to comment Share on other sites More sharing options...
turboplanner Posted May 10, 2013 Share Posted May 10, 2013 You sure you're not an insurance parasite rep Tubz..?! I tried being rich, but all my friends wanted to go waterskiiing and then Captain gave me some forum advice on timing for the Evinrude, only telling me after the blow up that he'd obtained it from a Magirus Deutz manual, so then I became poor and sat outside a coffee shop in an old army greatcoat, with a tin and a sign saying "Blind since the age of three" and the bloody council videotaped me perving on the chicks, so now I'm just prudent - can you make money being an insurance rep Locksette? (Please don't repeat this but the reason Ahlot calls insurers parasites dates from when he did a lot of insurance business and became rich, owning a Mercedes Benz, flashy clothes and even his own private aircraft which could take him anywhere - Rio, Monaco, or Paris, although with the engine it had, Gumley Gumley was usually as far as he got. Then the Insurance companies jacked up, the general consensus being that repairs to a Lockwood No 1 after a robbery were not worth the $1875.00 that he used to charge, since a new one was only $27.50) 2 2 Link to comment Share on other sites More sharing options...
johnm Posted May 10, 2013 Share Posted May 10, 2013 .............. I'll die trying .............. I'll die trying to keep the premiums current, so I they get a good life assurance payout Link to comment Share on other sites More sharing options...
boingk Posted May 10, 2013 Share Posted May 10, 2013 Is that limited to light aircraft or all aircraft including commercial? I was under the impression that commercial aviation was statistically the safest form of transport, although that might have been calculated on a distance basis rather than per trip. Taken from a table here: Deaths per billion kilometres: Bus 0.6, Rail 0.4, Air 0.05 Deaths per billion hours: Air 30.8, Bus 30, Rail 11.1 Deaths per billion journeys: Motorcycle 1640, Bicycle 170, Air 117 So per billion kilometres air travel is by far the safest, although most air journeys worldwide are relatively much longer than most other journeys anyway so that in itself isn't a good indicator. By travel hours it is the 3rd safest (marginally) after rail and bus, and then it plummets to 3rd most dangerous per journey after bicycle and motorcycle. So, while airlines and private pilots usually tout the 'per kilometres' statistic... reality suggests that we aren't actually as safe as we think. - boingk Link to comment Share on other sites More sharing options...
pmccarthy Posted May 10, 2013 Share Posted May 10, 2013 Turbo ... As a Wagga Wagga boy I can tell you Gumley Gumley is an OK place to get to. 1 Link to comment Share on other sites More sharing options...
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