Originally Posted by DannyM
(Post 10010587)
i think it was my generation that did that. i was i'm 22 now and i paid £1,600 for my 53 plate Clio in 2006 when it was worth £3,000
now new drivers are paying triple what i had to pay. which is hardly surprising considering the some of the idiots i knew from school some how wrote of 4 cars in one year. |
Originally Posted by Pramas
(Post 10010541)
PS iam i right in thinking if hit by an uninsured driver the last insurance company to cover cars has to pay for it? my boss was hit by 1 last year and didnt get a bean
Don't think so. My eldest was hit by an uninsured driver, his own insurance stumped up as he was Fully Comp, but he lost his £750 excess. Had he been only third party etc, I'm not sure WHAT would have hapened. We eventually got the excess back, and his insurers to accept that, since it was a "no-fault" claim, they should reinstate his ncd. This was done via the Motor Insurers' Bureau. His insurance company never told him about the MIB, we found that out from on here. The insurance company basically said, "As far as we are aware, there is no scheme, or institution who can help you." Oh, and the uninsured kid? Got done for no insurance and DWDCA.:nono: TOTAL of 6 points and £155 in fines and Victim Surcharge, no costs.:cuckoo: I've seen folk get triple that for speeding:rolleyes: This country is fukced up. |
Originally Posted by gpssti4
(Post 10010653)
Should be 3 strikes and you're out - for both young drivers and new drivers. Three fault accidents in a year and the insurance company should refuse to insure you.
They virtually do: they would quote you £20,000 or so. But how would that help? Those who drive uninsured would STILL drive uninsured. |
And as for young drivers, how come OUR government can't put together a scheme like the Australians have, whereby EVERYONE in the country HAS to by third party insurance from them at the same time as they buy a tax disc, no insurance, no tax disc.
They pay around €200 each for it, no-one pays more. And anyone who wants, or needs more than third party, goes to one of the insurance companies for it, to extend what they already have. Driving uninsured is virtually non-existant, and could be here if OUR government REALLY cared about it. |
What about people that buy a car to fix in their spare time?
Isnt it unreasonable for them to pay ££££ for a car they are not driving? |
AFAIK, as it stands at present, if the vehicle is on your property, it needs neither MoT, nor tax, nor insurance?
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Originally Posted by leecalcars
(Post 10010443)
Where do you stand if the vehicle is sorn as im only using mine soley as a track car surley it dosnt need insuring...!
I thought with SORN it could not be driven on the public highway? Surely Tax and Insurance is required along with an MOT:wonder: |
I know SORN is valid on the way to an MOT but surely if you drive it to a track then that's different? Unless you have a trailer :D
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Originally Posted by Moley_WRX
(Post 10010264)
£4k for a reason though.
Insurers gave young drivers a chance for many years..... but they f**ked up (driving like tits). Now they have to pay for it unfortunately. They had their chance.... they blew it. What a load of bollox.......get a grip If you wasn't in insurance you wouldn't chirp that crap 18 year old girl.....3k for a ford ka. Load of bollox , as usual we are hammered left right and centre and we bend over and take it |
put the uninsured in the town stocks for a few hours, and provide rotten fruit. Flog them merclessly for a 2nd offence; charge spectators and put money in pot for those hit by uninsured. sorted.
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As much as I hate nob'eds for driving around uninsured.. I can sort of see why they do it, I believe I was fairly lucky to insure my 1.4 Seat Ibiza when I passed my test, total of £2000. Not too bad REALLY but still a lot. I've seen a lot of people in here complaining of 4 odd k's worth of insurance costs and frankly that's silly.
If it really is a minority spoiling it for the rest of it, that's incredibly sad. It is the minority racing around the streets at night in there souped up Saxo's, so why should sensible drivers who invest time, money and love into their car get shafted. Phew.. weight off my chest a bit there :P |
partly because of uninsured drivers my own insurance has gone up £100 a yr for the last 2 yrs,ive not had any claims or anything so why punish me and others like me for it. insurance is a joke along with fuel so soon it will just be all uninsured drivers running around in sheds while us lot in scoobs will have to watch youtube vids to remind ourselves how much fun we could be having. alcazar is rite with the aussie rules,something we as a country should think about
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Originally Posted by donny andi
(Post 10011189)
What a load of bollox.......get a grip
If you wasn't in insurance you wouldn't chirp that crap 18 year old girl.....3k for a ford ka. Load of bollox , as usual we are hammered left right and centre and we bend over and take it You're obviously an expert though, so you must know about the costs involved in claims with young drivers. Bollox? Get a grip? If the truth hurts then nothing i try to explain is going to get you to get your head out your arse is it? :hjtwofing |
Originally Posted by Pramas
(Post 10010541)
PS iam i right in thinking if hit by an uninsured driver the last insurance company to cover cars has to pay for it? my boss was hit by 1 last year and didnt get a bean
The insurers can then try to claim their costs back. |
Originally Posted by Moley_WRX
(Post 10011715)
Yes, that's correct.
The insurers can then try to claim their costs back. If this was to happen does it effect ur no claims? Am insured by yourself if that makes any diff, guessing all companys are diff |
Doesn't effect you at all, aslong as your policy isn't covering that car still (ie you cancelled it or swapped it onto another car)
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Originally Posted by gpssti4
(Post 10010653)
Should be 3 strikes and you're out - for both young drivers and new drivers. Three fault accidents in a year and the insurance company should refuse to insure you.
What is the answer to this? I dunno? Surely it is not ANPR on every corner though? |
Originally Posted by alcazar
(Post 10010749)
And as for young drivers, how come OUR government can't put together a scheme like the Australians have, whereby EVERYONE in the country HAS to by third party insurance from them at the same time as they buy a tax disc, no insurance, no tax disc.
They pay around €200 each for it, no-one pays more. And anyone who wants, or needs more than third party, goes to one of the insurance companies for it, to extend what they already have. Driving uninsured is virtually non-existant, and could be here if OUR government REALLY cared about it. But yes it's got nothing like on the scale of Bradford with 50% illegal metal razzing about and all claiming whiplash. |
Originally Posted by tony de wonderful
(Post 10011795)
What is the answer to this? I dunno?
ie banned for 6 months, and if you caught driving in those 6 months then you go inside. Would need bigger/more prisons though. |
Originally Posted by alcazar
(Post 10010749)
And as for young drivers, how come OUR government can't put together a scheme like the Australians have, whereby EVERYONE in the country HAS to by third party insurance from them at the same time as they buy a tax disc, no insurance, no tax disc.
(was a report on Watchdog about it this evening) |
Originally Posted by Arkynsei
(Post 10011506)
If it really is a minority spoiling it for the rest of it, that's incredibly sad. It is the minority racing around the streets at night in there souped up Saxo's, so why should sensible drivers who invest time, money and love into their car get shafted.
Phew.. weight off my chest a bit there :P |
my daughter passed her test 12 months ago pass plus etc fiat punto 800 quider box in the car insurance first years insurance 1250 come to insure this year 3500 wtf 19 yrs old 1 years claims bonus nopoints anyway to cut a long story short got a multicar policy off admiral 11oo for daughters car and 200 for wifes monthly payment 160 for both:thumb:
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Originally Posted by Moley_WRX
(Post 10011707)
I don't insure any 17/18 year olds, so my opinion isn't based on me trying to insure them.
You're obviously an expert though, so you must know about the costs involved in claims with young drivers. Bollox? Get a grip? If the truth hurts then nothing i try to explain is going to get you to get your head out your arse is it? :hjtwofing |
I have no idea how they do it. I'd guess a lot of those cars belong to mum or dad, and the youngsters are insured as an 'occasional' driver. ;)
I certainly wouldn't be able to afford to drive if i was 17 again. I paid £500 when i was a lad!!! |
Originally Posted by Moley_WRX
(Post 10011840)
I have no idea how they do it. I'd guess a lot of those cars belong to mum or dad, and the youngsters are insured as an 'occasional' driver. ;)
I certainly wouldn't be able to afford to drive if i was 17 again. I paid £500 when i was a lad!!! |
in 1983 i insured a escort rs mexico 18 yrs old 600 quid lol i was only on 35.00 a week apprentice wage all my money paid the insurance nice car though wish id kept it id be loaded:D
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when i was 18 i had a cav sri, had to find a specialist company to insure that car and this was some 15yr ago or so, was still a bit pricey but if thats the kind of car u want, u have to pay for it
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Pah ! Kids today are spoilt, not many driving 15 year old cars.
My first car was ! Mind you the insurance was a whopping £43... :lol1: Gotta luv' the 70's. dunx |
£43 what where u driving a trabant ! lol wished my 1st quote was that
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someone has already posted this, but surely it is as simple as limiting the engine size of the car until x years have passed, just like they do with motor bikes. ok wont stop, not going to say youngsters, inexperienced drivers from crashing, but should decrease the size of the crash.
those that drive unisured are not going to be stopped by adding points to their licence etc, because they just dont give a dam anyway. Like most things in life, it is those that play by the rules that pay for those that stick 2 fingers up to the law!!!! hang them all!!! ;) |
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