Driving Insurance nation-by-nation

UK PROFESSIONAL DRIVERS FORUMS THE UK PROFESSIONAL DRIVERS FORUM (INTERACTIVE)
1

We have a lot of insurers in this country.

How does that compare to other large-population nations like America, Russia, China, and Brazil?

You see the same kinds of cars and trucks on the roads - but a poorer standard of driving…

I’m thinking that insurance either isn’t mandatory in these places, or it’s a lot cheaper than we pay here for a lot less risk to insure one of our own.

One tends not to see in dashcam footage from around the world - what happens after an accident, in particular when there are injuries…

Those who’ve driven in other countries… What’s the score there?

2

In Denmark it is the vehicle that is insured and not the driver. If I insure my vehicle and you have the licence of the correct catagory then you can drive it.

3

The same in Baltic states (Estonia, Latvia, Lithuania). (That’s part of the world where out prominent Truck|Net member “Immigrant” is more than likely to be originated from…)

In average up to 2/5 of UK price.

Can be bought by month and changed very quickly, not much fines for early cancellation etc…

Heard the same in US…

Heard UK is way way too overpriced and messed up Insurance system… even compare to US/Canada

4

Winseer:
We have a lot of insurers in this country.

How does that compare to other large-population nations like America, Russia, China, and Brazil?

You see the same kinds of cars and trucks on the roads - but a poorer standard of driving…

I’m thinking that insurance either isn’t mandatory in these places, or it’s a lot cheaper than we pay here for a lot less risk to insure one of our own.

One tends not to see in dashcam footage from around the world - what happens after an accident, in particular when there are injuries…

Those who’ve driven in other countries… What’s the score there?

It’s an interesting question.

I think one factor is that the government recover NHS costs directly from insurers, and possibly other emergency service costs too - so it operates as an indirect (and often regressive) healthcare tax.

Another factor in this country is the volume of street furniture and roadside structures, and their cost and nature of their construction - many other countries seem to make do with less.

Cars in this country also tend to be kept to a higher standard (especially in bodywork), and the costs of insured repairs are often vastly higher. Modest bodywork damage seems to be better tolerated in other countries, and what over there might involve second-hand bumpers or wings being fitted by a back-street mechanic, over here involves thousands of pounds being spent.

Many other countries legal systems are not as efficient as our own. That is often seen as an advantage in general, but it does serve to deter a large volume of minor or spurious potential claims, and perhaps encourages minor crash victims to be more efficient with repairs and achieve informal resolutions, and tolerate minor scrapes and dents as being normal wear and tear.

5

Something I notice in a lot of these EE dashcam vids one sees on Youtube - When two cars hit causing damage to both, you don’t so much get the drivers getting out and coming to blows over the impact - but rather one side rushes over to pull the less fortunate victim of the impact from their wreckage…

This stands up well when one compares impacts in the UK for example, where the first thing to be said is as much likely to be “Look what you’ve done to my bloody car!” as is “Hey, Mister - are you alright?”

No one is looking to apportion blame by the looks of it on these dashcam vids.
You do get the ones where someone does something really dumb right in front, and the cam driver starts ranting into one though… THAT at least is similar to the UK. Not so much the actual collision/crashes though.

It’s also comforting to see that EE drivers are no better at driving in the snow than we are, kinda squashing the argument that "You Brits don’t know how to drive in snow, 'cos we don’t know what real snow is!"

6

speaking for Manitoba Canada ours is $1700 at near full %off for a 7yr old 5.3ltr pickup but not a lot of difference overall, if you live or travel to Winnipeg its more.Now in MB there is no choice of companies its MPI Manitoba public insurance.(ran by the local provincial government),the vehicle is covered … your driver licence is renewed every yr 3 months after your birthday iirc the base rate is$50 a year less if lots of merits But if you are a bad boy $2000 + per year for licence.
benefits inc.death insurance lump sum ,if injured wk payment +medical coverage + traveling money paid also to attend physio. just a basic look at things jimmy.

7

wanna see bad Driving? Go to London!
Just saving you the Way to other Countries :bulb:

8

Immigrant:
wanna see bad Driving? Go to London!
Just saving you the Way to other Countries :bulb:

Wanna see bad driving? Go to YouTube and type in ‘Eastern European bad driving’…

9

It’s a bloke thing.

“Other” drivers are bad.
“This” driver is good in bed
“That” must have been a Woman/Eastern European/Piecrust/Expenses Fodder/Guy with a very small ■■■■■.

I’ve yet to meet a bloke who said “I’m a lousy driver, I’m crap in bed, and I have a tiny todger”. :unamused:

There’s been a few that are “Lousy” with lice, “crap in the bed”, and act like a todger (tool) all the time though. :neutral_face:

10

Winseer:
We have a lot of insurers in this country.

How does that compare to other large-population nations like America, Russia, China, and Brazil?

You see the same kinds of cars and trucks on the roads - but a poorer standard of driving…

I’m thinking that insurance either isn’t mandatory in these places, or it’s a lot cheaper than we pay here for a lot less risk to insure one of our own.

One tends not to see in dashcam footage from around the world - what happens after an accident, in particular when there are injuries…

Those who’ve driven in other countries… What’s the score there?

You have crazy insurance policies in UK, especially against young people. Canada has high insurance like UK, its crazy.
US is a lot better from UK regarding car insurance. On a Bulgarian licence and being 21 I was paying 110 dollars a month, 2 month later I got Missouri licence(I lived there) and my liability insurance dropped to 700 a year, just by having local licence, I was driving 9 year old Saturn while living in a 3 million town. Tell me when this is going to happen in UK for young people, driving on cheap insurance. Few year later I bought a 3 year old Camry for 13K, I was 23 and my full coverage(plus road assisstance) was 900 a year while living in 12 million city.
Several year later I was paying 300 a year liability insurance on a Civic.

I checked online quote in UK, where a friend of mine lives(small Yorkshire town) for 10 year old Honda Accord with 15+ years of experience and 0NCB, UK licence issued this month, car parked on the street, used for commuting to work and shopping = 1200 pound per year. This is CRAZY, I don’t want to think how young people feel, insuring a car in UK must be the biggest scam of the century.

In Bulgaria the liability insurance is a joke, 70-80 euro per year, regardless of the driver age, experience etc. Full coverage is around 7% of the car value by “Schwacke liste”. Here the insurance is for the vehicle not the drivers, anyone with licence can drive insured car without paying additional charge to the insurance sharks. :grimacing:

Both in BG and US car insurance is mandatory…it’s the law :neutral_face:

11

In Oz it’s the vehicle registration (rego) that includes third party insurance. The trouble is that if you get hit up the arse by some twonk with no insurance other than the rego, you have to claim off your own insurance which can cost you in the long run, even if the claim is settled in your favour. The amount of rego you pay is determined on how many cylinders your car has (different for commercials).

I reckon the no claims bonus is arse about face. Instead of paying a fortune up front because of age or first time insurance take up, you should pay the reduced rate, only going up if you’re involved in an at fault collision or pick up driving convictions. I also think that insurance cover should be compulsory here but at the rates described above.

12

Dolph:
I checked online quote in UK, where a friend of mine lives(small Yorkshire town) for 10 year old Honda Accord with 15+ years of experience and 0NCB, UK licence issued this month, car parked on the street, used for commuting to work and shopping = 1200 pound per year. This is CRAZY, I don’t want to think how young people feel, insuring a car in UK must be the biggest scam of the century.

That’s more than I paid at 0 yrs experience! With that I could insure the car and the bike. Funnily enough being a professional HGV driver does absolutely nothing. Having all those miles experience, the ability to look ahead, being able to adapt to different vehicles with different layouts/controls…

UK insurance is utter ■■■■■■■■. Waiting till I’m 21 to get my next bike because bankruptcy has never struck me as a good time.

13

Dolph:

Winseer:
We have a lot of insurers in this country.

How does that compare to other large-population nations like America, Russia, China, and Brazil?

You see the same kinds of cars and trucks on the roads - but a poorer standard of driving…

I’m thinking that insurance either isn’t mandatory in these places, or it’s a lot cheaper than we pay here for a lot less risk to insure one of our own.

One tends not to see in dashcam footage from around the world - what happens after an accident, in particular when there are injuries…

Those who’ve driven in other countries… What’s the score there?

You have crazy insurance policies in UK, especially against young people. Canada has high insurance like UK, its crazy.
US is a lot better from UK regarding car insurance. On a Bulgarian licence and being 21 I was paying 110 dollars a month, 2 month later I got Missouri licence(I lived there) and my liability insurance dropped to 700 a year, just by having local licence, I was driving 9 year old Saturn while living in a 3 million town. Tell me when this is going to happen in UK for young people, driving on cheap insurance. Few year later I bought a 3 year old Camry for 13K, I was 23 and my full coverage(plus road assisstance) was 900 a year while living in 12 million city.
Several year later I was paying 300 a year liability insurance on a Civic.

I checked online quote in UK, where a friend of mine lives(small Yorkshire town) for 10 year old Honda Accord with 15+ years of experience and 0NCB, UK licence issued this month, car parked on the street, used for commuting to work and shopping = 1200 pound per year. This is CRAZY, I don’t want to think how young people feel, insuring a car in UK must be the biggest scam of the century.

In Bulgaria the liability insurance is a joke, 70-80 euro per year, regardless of the driver age, experience etc. Full coverage is around 7% of the car value by “Schwacke liste”. Here the insurance is for the vehicle not the drivers, anyone with licence can drive insured car without paying additional charge to the insurance sharks. :grimacing:

Both in BG and US car insurance is mandatory…it’s the law :neutral_face:

The difference between your cover in Missouri and the UK, is the cover in the UK has unlimited cover for claims against you for personal injury and either unlimited cover for claims against you for property damage or £5m. That’s the law in the UK

The minimum cover required by State law in Missouri is just £17.5k for injury and £7k for property damage, as you were young I’m guessing you chose the legal minimum of cover or near it