Uninsured drivers

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

what’s your view on the government statistics regarding uninsured drivers?
the government, and insurance companies will have you believe that an uninsured driver is more likely to be a danger to other road vehicles, they also claim that they are more likely to be involved in criminal activity.
i think it’s a crock of [zb] cooked up by those who want to fleece everyone.

many years ago before ANPR, and cameras on every corner, loads of people didn’t bother with insurance, we also used beer mats as tax discs. did we drive like idiots? No. if you drive like a [zb], you will draw attention to yourself, and then you get into trouble.
so an uninsured driver will probably be a more sensible driver.

2

limeyphil:
if you drive like a [zb], you will draw attention to yourself, and then you get into trouble.
so an uninsured driver will probably be a more sensible driver.

That’s what I’d do if I had no insurance or something to hide, the problem is most of these people are too stupid to realise this :slight_smile:

3

Before cameras and ANPR, drivers were pulled based on police hunches or suspicious behaviour or certain times / certain roads etc.

So, police caught people who’d stolen a car, or were drunk driving, or borrowed daddys car for a joy ride etc. In all these situations the camera will say everything’s ok, when it’s not.

Insurance is a con and it’s an arse, I’m insured to drive my car fully comp, I’m also insured for any other car I don’t own 3rd party, but not any other car I do own?

Other car also has to have insurance? Why, if I’m insured to drive it, and it’s legal, why does it need extra insurance? To make more money?

What the asian community do is buy a car between them, all chip in to insure it, then all insure their Nissan Micra’s fully comp to enable them to drive the STI Impreza / EVO 10 / Nissan 350z etc legally.

Also, speed bumps, these will only slow down legal drivers of their own vehicle and people who care (ambulances, police etc), so people in stolen cars or drivers of company cars just fly around, and these bumps are then just a nuisance.

Motoring in this country is an arse

4

waynedl:
What the asian community do is buy a car between them, all chip in to insure it, then all insure their Nissan Micra’s fully comp to enable them to drive the STI Impreza / EVO 10 / Nissan 350z etc legally.

Probably why insurance companies have stopped under 25’s having a “driving other vehicles” clause.

5

mrpj:

waynedl:
What the asian community do is buy a car between them, all chip in to insure it, then all insure their Nissan Micra’s fully comp to enable them to drive the STI Impreza / EVO 10 / Nissan 350z etc legally.

Probably why insurance companies have stopped under 25’s having a “driving other vehicles” clause.

That’s ok for under 25’s, I’m 35 and I pay around 700 quid on a diesel bmw, so 380 quid on a micra, then say 200 quid towards the ‘group insurance’ on a performance car is a bargain.

6

limeyphil:
what’s your view on the government statistics regarding uninsured drivers?
the government, and insurance companies will have you believe that an uninsured driver is more likely to be a danger to other road vehicles, they also claim that they are more likely to be involved in criminal activity.
i think it’s a crock of [zb] cooked up by those who want to fleece everyone.

many years ago before ANPR, and cameras on every corner, loads of people didn’t bother with insurance, we also used beer mats as tax discs. did we drive like idiots? No. if you drive like a [zb], you will draw attention to yourself, and then you get into trouble.
so an uninsured driver will probably be a more sensible driver.

Well,I think if everybody should(ie it’s a legal requirement)pay insurance,then if I am paying it,I would like to see Everybody pay it. The price is a pain in the arse,but it is there for a reason(mainly for scams if you read a paper),if you make a mistake,supposedly,thay help financially.
On a sidenote,was talking to a worker in one of the yards we go into,he has a 2000 vauxhall corsa diesel-loves it–and he told me that the insurance was 4 grand a year!!!I said what!,he said Yeah 600 odd pound deposit and 300 odd pound a month. Just goes to show that some of our younger generation can show responsability.

7

Skippy70:

limeyphil:
what’s your view on the government statistics regarding uninsured drivers?
the government, and insurance companies will have you believe that an uninsured driver is more likely to be a danger to other road vehicles, they also claim that they are more likely to be involved in criminal activity.
i think it’s a crock of [zb] cooked up by those who want to fleece everyone.

many years ago before ANPR, and cameras on every corner, loads of people didn’t bother with insurance, we also used beer mats as tax discs. did we drive like idiots? No. if you drive like a [zb], you will draw attention to yourself, and then you get into trouble.
so an uninsured driver will probably be a more sensible driver.

Well,I think if everybody should(ie it’s a legal requirement)pay insurance,then if I am paying it,I would like to see Everybody pay it. The price is a pain in the arse,but it is there for a reason(mainly for scams if you read a paper),if you make a mistake,supposedly,thay help financially.
On a sidenote,was talking to a worker in one of the yards we go into,he has a 2000 vauxhall corsa diesel-loves it–and he told me that the insurance was 4 grand a year!!!I said what!,he said Yeah 600 odd pound deposit and 300 odd pound a month. Just goes to show that some of our younger generation can show responsability.

That was his quote, doesn’t mean he’s paying it :laughing:

I think insurance costs would come down if they scrapped Fully Comp. It might also improve the driving standards. I see that many people in flash cars driving like complete plonks, if they ■■■■ up, the insurance pays out, everyones insurance goes up.

8

Sorry,should have made it clear he was paying it,he is actually paying more each month to insure a 12 year old corsa than i am paying to lease and insure a brand new car. Oh and my first insurance cost £250 in 1989 for a 900cc fiat 127. I find it hard to believe the way the cost has skyrocketed.

9

It is all a game:

They want to extract as much money from us for the least return possible
We want to pay the least possible for the maximum cover.

The rules of the game are fairly clear - Give them all the information they ask for and DON’T tell lies.

Playing the game is more complicated:

First decide what cover you need. This is not as simple as you think.

‘Comprehensive’ doesn’t mean what it used to mean and may companies don’t offer TPT&T anyway.

Roadside assistance? You may already have it from elsewhere (your bank account may have it included)

Annual mileage? (look at your last few MOTs to see what you actually do).

Windscreen cover used to be standard but is often extra now. Check the price of a windscreen for your car to see if it’s worth the extra.

Excess. You should probably choose the maximum possible and make sure you have that much money available in case you need it.

Other drivers. The history of other drivers on your policy will affect the price you pay and this can be used to your advantage. My 24-year-old daughter puts her mother on her policy, even though she may never actually drive the car, and this reduces the cost by as much as 10%. (This is perfectly legal).

How you pay. Many, but not all, insurance companies charge extra for paying monthly.

NCB protection. Protecting your no claims discount which may well be six or eight years and 60% or more may look well worthwhile, but it only works as long as you stay with that particular company and we all know that we should shop around every year.

The obvious way to keep future premiums down is to make no claims. If you make a claim (or even report an incident without making a claim) they will increase your premium the following year, and this would apply even if you change insurers. If you are in a collision with no casualties then take loads of photographs - the cars and the people - that keeps them honest. Try to negotiate a settlement without involving the insurers since that will increase everyone’s premiums.

10

Santa:
It is all a game:

Couldn’t agree more. The insurers pulled off a master stroke with that CIE (Continuous Insurance Enforcement) though. How cool is that, getting the government to round up your customers for you !!

11

Another stroke some of them pull that Ive just discovered is to nobble your NCB. Insure a car a year ago with 9 years NCB.Have a minor "at fault" bump,renewal comes in this year I have 3 years NCB. Phone them up to ask where the other 4 years are and they tell me they dont recognise over 5 years NCB,so without saying anything last year they take my premium and knock 4 years of the NCB.I have my bump and bang goes another 2 years leaving three.
Apparently 70% of British insurers do this.

12

NCB protection. Protecting your no claims discount which may well be six or eight years and 60% or more may look well worthwhile, but it only works as long as you stay with that particular company and we all know that we should shop around every year

.

I take my NCB with me every time I change (most years).all you need is a renewal notice from your old company staing what NCB they have allowed. Different companies do have different upper limits for NCB’s which can affect it.