Home & Contents Insurance renewals...

MasterOfReality said:
Damn it, called up NRMA and told them I run a business from home, its just me and nobody else. Premium went from 2.9k to 3.3k to cover my home office stuff.

Edit - called Allianz. I misinterpreted the PDS, office equipment is covered but the limits are fairly low with no option to increase. $1500 per item up to $10k. NRMA in comparison includes home office equipment under general contents, hence the higher premium.
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Flow-Rider said:
If you claim any at home expenses it also has tax implications when you sell the home.
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MasterOfReality said:
Yes, we don't claim any home expenses for the business for this reason. The home and contents I'll need to wear that myself personally rather than putting some of that through my company.
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We only use personal computers and printer for work - don’t have any specialised equipment

we claim electricity and internet and “cleaning” for tax but yeah can’t do anything on the house - like if we refurbished the office like I wanted to it’s actually improving the house and becomes a tax nightmare
We needed some more storage and could not build a shed or put down a slab and get the business to pay for it - we could however build a pad and put a container on it at business expenses
 
MasterOfReality said:
Unfortunately. It does a shit tonne of numerical modelling and 3d cad type work. When time is money it earns its keep. Dell 7760, xeon, 128gig ram,16 gig video card etc. Price was probably greatly inflated by global shortages.
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Did you need it to be portable?
You made me go look at their webstore. I think you went too low end …..

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Yeh it travels with me to site. Somewhat amusing when it goes through airport scanning, getting it out of the tray is like flipping a cake tin over.

I think the website price for mine was over 15k. I thought that was taking the piss but almost 20k!

Rang them up and was assigned a business rep. Made it clear I was buying that day and price dropped to 8.8k. With the extra ram it rounded out to 10.
 
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MasterOfReality said:
Unfortunately. It does a shit tonne of numerical modelling and 3d cad type work. When time is money it earns its keep. Dell 7760, xeon, 128gig ram,16 gig video card etc. Price was probably greatly inflated by global shortages.
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Why not just build a desktop/server at this price point? That type of work doesn't sound like stuff you do on the run. Or is it?
 
Squidfayce said:
Why not just build a desktop/server at this price point? That type of work doesn't sound like stuff you do on the run. Or is it?
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We did run through this scenario and also with the view to remote in to do work. Too many potential issues with bad internet or 4g on site, plus a lot of the software would need to be upgraded from personal to server/network licenses at great cost.

One of the majors I worked for tried something similar, in the end they just outfitted all their site mining engineers, geotechs and geologists with a variety of Xeon or equivalent i7 thinkpads, zbooks and precisions, whoever offered the best deal at the time.
 
In a bout or ironing we just got our renewal for the next year - turns out we are with Budget Direct - Amount is about same as last year (a freckle cheaper now I took the bikes off it) - I was very honest with our business I gave them all the details and they went off and asked a supervisor - they have marked it down as a "Home Office" but as we have no employees or customers coming to the house it is fine.
 
MasterOfReality said:
We did run through this scenario and also with the view to remote in to do work. Too many potential issues with bad internet or 4g on site, plus a lot of the software would need to be upgraded from personal to server/network licenses at great cost.

One of the majors I worked for tried something similar, in the end they just outfitted all their site mining engineers, geotechs and geologists with a variety of Xeon or equivalent i7 thinkpads, zbooks and precisions, whoever offered the best deal at the time.
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I’ve dragged servers to film set locations, a dell dual Xeon workstation with two 28” monitors is very nice, nothing like screen realestate on site. But no way this can fly about. Back of a vehicle sure. Long road trips on extended dirt roads, I’ve been know you pull the motherboard out so it doesn’t flex itself to death, was never intended to be shaken to shit.

A full sized Dell server, with external hard drive enclosures, that blows hard taking out to location.
 
Hah yes they aren’t exactly portable. I struggle with mine. Pretty much exceeded the carry on baggage with it, charger and other miscellaneous travel stuff.

I paid my 3.4k premium last night, feel dirty about it. Small consolation was they have now listed my business and all of the office stuff is covered under general contents. Upped the total contents value as well, when I did the walk around and read what’s included in the pds I think we were under insured!
 
A week ago I couldn't be arsed chasing up my House Insurance... which I did in the end.

Fucking nothing compared to the minefield of getting a 17yr old 'P' plater his own first fully comprehensive car insurance (and picking up his car)

2 days later I manage a 25km Zwift at 20:30pm.
 
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ozzybmx said:
A week ago I could be arsed chasing up my House Insurance... which I did in the end.

Fucking nothing compared to the minefield of getting a 17yr old 'P' plater his own first fully comprehensive car insurance (and picking up his car)

2 days later I manage a 25km Zwift at 20:30pm.
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When my daughter got her first car before buying ti we rang around and checked insurance etc - ended up buying the car in my name as NRMA did not charge extra premiums for having inexperienced drivers - So premium was super cheap but excess was like $1500 if she was at fault.

Quotes we had on a 2015 Barina for her were all over $1200 a year and I was like $375 or something.
 
ozzybmx said:
Nearly spot on !

His was $1215 with $1150 excess ($750 with $400 for inexperienced driver)

It's in his name so if he keeps the slate clean, it will come down each year.
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Funny thing is when she bought her own car last year they gave here a full rating 1 as she had been driving and on my insurance with no claims - And I got a better credit rating as she was paying for the Barina but in my name :)
 
Minlak said:
Funny thing is when she bought her own car last year they gave here a full rating 1 as she had been driving and on my insurance with no claims - And I got a better credit rating as she was paying for the Barina but in my name :)
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Yeah but have you seen how @ozzybmx's boys treat their bikes?

Chances of being claim-free in 5 years: Slightly less than 0%. :p
 
beeb said:
Yeah but have you seen how @ozzybmx's boys treat their bikes?

Chances of being claim-free in 5 years: Slightly less than 0%. :p
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Sad but true.

Treat their bikes and ride their bikes !

Not sure what the actual stats are on 17yr old boys vs girls smashing cars but the former sound like a riskier option. Saying that, mobile phone distraction would be on par.

It used to be I was more concerned for #1 son, now it's #2, though #1's just starting, he's shown a glimmer of maturity and has given me some hope.

#2... Bob Hope and no fucking hope.
 
ozzybmx said:
Sad but true.

Treat their bikes and ride their bikes !

Not sure what the actual stats are on 17yr old boys vs girls smashing cars but the former sound like a riskier option. Saying that, mobile phone distraction would be on par.

It used to be I was more concerned for #1 son, now it's #2, though #1's just starting, he's shown a glimmer of maturity and has given me some hope.

#2... Bob Hope and no fucking hope.
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Ozzy, you probably won't be able to relax until both of them start complaining about young P-plate drivers...

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