Current location - Health Preservation Learning Network - Healthy weight loss - About the insurance and other expenses of buying a car in Australia. Please answer those who know
About the insurance and other expenses of buying a car in Australia. Please answer those who know
Used cars need to pay attention to many places, but they don't cost much. It depends on the condition of the car, so as not to increase the maintenance cost in the future ~ so I will say a few more words on the basis of the score you gave 100 ~ Don't forget to add a point: 1 must be a basic inspection.

-Contact the car buyer, agree on the time and place to see the car, and always check the car and trade at the residence registered in the seller's driver's license and license application. It's best to be near expressway, so as to test drive on expressway. Clearly tell each other the documents they need to bring? Driver's license, car registration certificate and insurance policy. This car must be seen on a sunny day. Take your driver's license, car advertisements, records or tapes with you when you look at the car. If a friend is willing to help, let's go and have a look.

-Insist that the seller must provide identification (such as driver's license) and car license. Check whether the registered names on the two are the same, and write down the information for future verification.

(1) Look at each other's driver's license carefully to see if they sell cars.

(2) See if the name on the car registration form is the name of the seller.

(3) See if the description of the car on the registration form is the car to be sold. It also depends on whether the registration has expired.

If these three points are all right, we can avoid the car from being stolen. Copy four pieces of information from the registration form: car registration number, vehicle identification number or chassis number and engine number. The vehicle identification number (VIN) is printed on the conformity plate, which is attached to the partition between the engine and the passenger compartment. (Its location is usually listed in the user manual. )

Ensure that the owner's name, license plate, vehicle identification number, engine number and other details match the information on the VicRoads registration certificate. Check the number yourself, instead of relying on the information on the previous owner or registration label. If any information does not match, the car may be stolen. It is important to remember that the name on the registration certificate is not necessarily the owner's name. Also remember that the VicRoads register is not a register of ownership. )

Check the inside and outside of the car carefully, according to the instructions in the advertisement, light the engine, try on all the seat belts, listen to the player, roll all the windows, fiddle with all the seats, light all the lights and honk the horn. If everything is satisfactory, go on. If you don't want to give up something advertised, you have bargaining capital.

Ensure that the documentation of the car is consistent with the information in the mileage traveled, the owner's manual or receipt and the service history section of the vehicle logbook. It's a good idea to call a service center or a repair shop to verify the car's records.

Test drive. Before driving, show your driver's license to show your driving qualification. Definitely want to go to expressway with a speed limit of not less than 90. After starting, for outsiders, it is mainly to listen to the sound and wind of the engine and feel whether the car is running smoothly and whether the water temperature is too high. There is no problem with the test drive. It's time to bargain.

-You can contact the transportation unit to make sure that the car is not stolen and the license plate is registered correctly. Supplier? Real registrant.

(1) It is your responsibility to check that it has not been stolen and there is no debt. Please call1311to contact the Vehicle Securities Registry (VSR) (8.30am to 5.00pm from Monday to Fri and 8.30am to 2.00pm from Saturday). They can call you for free, or issue a certificate of registered interest (currently about $8).

(2) You should also use the registration number and vehicle identification by calling VicRoads at13171or 1800 8 14 762 (when calling from int erstate) or on the VicRoads website. In this way, you can know whether the car has suffered any major damage that may affect its future performance.

Do you need to check again within 24 hours before payment? 10 yuan? Books. This? The function of the book is that if the website provides you with wrong information to buy a car, you are not responsible for paying the unpaid car money.

Even after these inspections, you should pay more attention to whether this car belongs to others. That's right.

2. Negotiate transactions

Draw up a reasonable price first, and then offer a lower price. If the seller agrees to this price or is close to it, the deal is done. If not, keep looking elsewhere.

The golden rule? Don't let the seller know whether you really want to buy this car or whether you will buy it from other sellers. There is still room for price reduction before the real deal is made.

Look around, shop around, let one car dealer or seller give you a price, and then use this price to let another car dealer or seller give you a lower price.

Ask the seller to give it to you when comparing prices? On road price? If it is a trade-in, do you need to change the price? . The price shall include all accessories, additional conditions, taxes and transaction costs. In order to avoid a lot of things that I didn't notice before? Invisible? Cost.

Let the car dealers or sellers bid first, and then ask for a price reduction with the prices given by other car dealers or sellers.

Don't worry, if other buyers put you? Only this life? Buy your dream car, and you will soon find another car that suits you.

Pay a deposit

If the seller asks for a down payment, isn't there a down payment required by law? How much, so the lower the payment, the better. At the same time, make sure that you can get your deposit back if the car fails the inspection.

The seller may be required to include the following clauses in the contract:

This agreement is subject to the inspection report obtained by the buyer from (your inspection company). If the reported vehicle condition is not satisfactory to the buyer, he/she may terminate the contract and the deposit paid shall be returned to the buyer in full. ? If the buyer is not satisfied with the inspection results, the buyer has the right to terminate the contract and get back the deposit. )

Road qualification certificate

If the car is registered, the seller needs to provide you with a valid road certificate. The road qualification certificate is a general safety check conducted by the driver's license examiner. It is valid for 30 days from the date of issuance. Never agree to get a certificate suitable for driving on the road, because the car may have hidden problems and it may be expensive to repair.

4. Transfer of license registration

When a car. When the ownership changes hands, the vehicle license registration must also be transferred from the seller to the buyer. It is the buyer's responsibility to determine whether the procedure is carried out in accordance with the regulations, but the seller is also requested to pay more attention. Write a receipt by yourself or the owner, and write down the buyer's name, purchase date, purchase amount, vehicle VIN number and seller's driver's license number. Sign by both parties. This is the only evidence that this car belongs to you. The seller signs the back of the car registration form and fills it out as soon as possible? Vehicle registration and transfer form? Give it to the buyer and the transportation unit, and ask the transportation unit to give a copy of the authorization seal.

When you buy or obtain a registered vehicle, you need to transfer the registration to your name within 14 days and submit relevant documents to VicRoads. Generally, you need to provide the following information to VicRoads:

(1) Complete copy of vehicle registration transfer form

(2) Road certificate

(3) Pay transfer fee and motor vehicle tax (except tax exemption)

It is best to call Vic Roads131171six weeks after buying the car to verify the transfer.

5. Matters needing attention after the transaction

When you buy a used car, you'd better change all the oil-engine, transmission, main reducer, brake oil, etc. And engine coolant. Sometimes the oil may not be changed for a long time.

Check whether the car has a timing belt. When was the last time it was replaced? What time? Usually, the timing belt is time-limited, and it should be replaced regularly according to the times recommended by the manufacturer.

After the transfer is completed, the car is ours. At this time, you have to buy insurance.

1) Call the insurance company in advance to make an inquiry and compare the prices.

(1) Relatives and friends can surf the Internet, enter relevant web pages, fill in specific car information and driver information, and then they can check the quotations of various insurance companies.

(2) You can also call the insurance company for direct consultation. Of course, you should also prepare the information of the car and driver in advance. If you are worried that your English is not good enough and you can't fully understand the questions asked by the staff on the phone, first look at these questions online and write them down, and you will know fairly well. When the staff asks you questions, you can answer them, basically not to mention pardon ~

(3) The following friendship provides websites and telephone numbers of three insurance companies:

RACV:。 au/ 137228

AAMI:。 au/ 132244

Allianz: au/ 13 1000

(4) The prices of insurance companies may vary greatly. Take our insurance as an example. If you buy 1 year all risks, the quotations of the three companies range from more than 600 yuan to more than 1 1,000 yuan. So be sure to shop around.

(5) After making an inquiry to the insurance company, they will give you a quotation number. Keep this number. If you want to buy insurance for this company, just tell them this number when you call them again.

2) After the transfer is completed, you must call the insurance company immediately before you can drive. Tell them your quotation number and tell them that you want to buy insurance, which is basically enough. The insurance came into effect at that time. You can choose to pay by credit card or check and money order. If you use checks and money orders, the insurance company will send you an invoice, and you can find the amount above to write a check or buy a money order.

Three kinds of common automobile insurance:

comprehensive insurance

Protect your car, other cars and property from damage, fire and theft. This kind of insurance is usually necessary if you borrow money to buy a car.

Third Party Property, Fire and burglary insurance

Provide insurance for the damage caused by your car to other people's cars and property, as well as the fire or theft of your car.

Third-party property insurance

Provide insurance for the damage caused by your vehicle to other vehicles and property that does not belong to you!

Used car list

car body

When the light is good and dry during the day.

1 Is there any damage or rust caused by the car accident?

2 Whether there is dark red or other dark stains, rust, dents or blistering paint on the hood, floor, door or frame. You can use the small magnet in the refrigerator to check whether the board is full of plastic. The top of vinyl fiber may be covered with rust or other damage.

Insurance?

Relax the insurance? Explain that this car may have had an accident or a car accident, or it often travels on rugged roads.

Engine/trunk lid door

Should be able to close and seal well; Pay attention to whether the rubber pad at the edge is damaged.

hail

Most of them are on large flat metal plates, such as hood, roof and trunk lid. If the damage is extremely obvious, please consult the insurance company first The insurance company may ask you to repair it before you can insure it.

car paint

Really? Uneven color, excessive paint, precipitation, sludge or bubbles.

Interior decoration, carpet

Whether it is damaged due to time and use.

Body interior

Seat belt

Whether there is damage or burr, check whether every part of the seat belt, belt, buckle, adjuster and child seat is in good condition.

lamplight

Check all lights inside and outside the car. If the car is equipped with ABS and/or SRS (airbag), check whether the indicator light on the dashboard is there. Whether to shine for a while after moving.

Devices and equipment

Check air conditioning, ventilation equipment, electric windows, audio, etc. If it is repaired or replaced afterwards, it may cost a lot of money

Jack and tool kit

These items should be available.

backstage

Engine number and VIN (vehicle certification number) and body.

These numbers should be the same as those on the registration certificate. Check the number for signs of vandalism. -Scratches, abrasion, drilling, etc. This means that someone may try to change the number illegally.

The car was born? date

Check whether the date is the same as advertised, and these figures are all born in Australia after the compliance/building card (1970). All vehicles are equipped with this identification plate, which is usually located on the engine unit)

motor oil

Dirty or thick engine oil and dust accumulated in the engine indicate that the vehicle has not been maintained. The oil is gray or milky white, indicating that there is water in the oil, which may indicate that the engine has serious problems.

Engine appearance

If there is accumulated oil or dirt, it may indicate mechanical problems or poor maintenance.

Engine condition

Start the engine and listen for abnormal collision or metal vibration.

Oil smoke smell

In the engine? Open the oil cover when moving. If there is a lot of smoke, it may indicate that the piston ring or cylinder is worn.

Radiator coolant

It should be clean and transparent, or light color. The oil in the coolant may indicate that the cylinder head is cracked or the gasket is leaking.

Radiator and central pipe

Whether it is corroded or damaged.

Batteries and panels

Check for acid corrosion.

bottom

oil leak

Check the engine, transmission, main shaft, brake, power steering wheel and shock absorber.

Tires (including spare tires)

Uneven wear indicates that the front wheel alignment or suspension system is damaged or incorrect.

exhaust system

Excessive smoke or noise indicates that the exhaust pipe or muffler is cracked or rusted.

test-drive

Note: discuss with the seller before the test drive and what to do if there is an accident during the test drive.

Steering wheel operation

Check whether the steering wheel is too large or whether the steering wheel will be on a straight road. Fluttering? This situation may indicate that the front position is not good or the suspension system is worn.

Fasten the goods firmly

The car should stop smoothly. Straight line. The brake pedal should not feel that it can directly step on the floor or be as soft as a sponge, and the steering wheel should not vibrate.

engine

During driving, refueling and deceleration, the engine should run smoothly and the temperature should be kept within the "safe" measurement range. If there is a strange or colliding sound, it may represent improper adjustment or excessive damage.

exhaust pipe

If the smoke is blue, it means that the gasoline is burnt excessively.

Suspension system and body

When driving on uneven ground, pay attention to whether there is collision or strange noise.

transmit

When shifting gears (whether manual or automatic), it should be smooth and there should be no collision sound. What if? The noise of the car driving in front of the ship represents the wear of the constant velocity joint.