Mud-club
Chat & Social => The Bar - General Chat => Topic started by: Bush Tucker Man on January 20, 2009, 23:15:21
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Can they really clamp down on uninsured drivers??
Let's hope so, the rest of us might start to see a slight fall in premiums
http://www.dailymail.co.uk/motoring/article-1123684/Uninsured-motorists-risk-1-000-fine-losing-car--dont-drive-it.html
NB; It does state that 'SORNd' vehicles are exempt - for everyone with a 'project' on the go.
But, some (if not all?) insurance companies offer a 'Laid-Up' cover for projects/vehicles not used in winter
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What they should be doing is dealing with the uninsured vehicles that are being driven ON the road. My 90 is off the road right now and will be for a while until I get all the jobs sorted that need doing so I have not renewed my insurance, and its not sorned because it still has 6 months left on the tax (can you even sorn a vehicle thats taxed). so am I now to become a criminal for that ? I dont want to get a refund on the tax as if for some reason I do need to use it I can get a daily/weekly policy. All this will do is earn money for the insurance companies and of course the goverment in the form of insurance premium taxes.
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The insurance industry reckon it costs every policy holder an extra £30 a year for uninsured drivers, if the number of uninsured drivers decreases, hence insured drivers increase, call me sceptical but do you think we will see the decrease in premiums ?
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The problem is a lot of uninsured drivers are probably in insured cars; while they have the named or limited drivers it can't work.
What it needs is for insurance to cover the vehicle period; the problem is that the insurance companies will shove up the premiums to do that.
In South Africa Road accident insurance is basically on the fuel and to insure the car itself it totally your choice - once the insurance companies have to get the business on merit instead of by law its loads cheaper.
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[quoteIf they have no reasonable explanation, they will be liable to a fixed penalty fine of £100. If they fail to pay the fine after a certain time their vehicle will be crushed. They could also face another fine of up to £1,000.[/quote]
Think this bit seperates those who have restorations and vehicles off the road for a particular reason.
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So,m, they're going to "save" me £30 on my insurance by.................
......charging me £400 to insure a car I never use.
This country is truely run by idiots :roll:
They'l be exempt if they are SORNed huh, that sort of implies that currently it's ok to have an uninsured car taxed and running about :-k, how exactly did it get taxed :-.
Time they stopped robbing us blind in the name of protecting us. If I decide to use the train for siz months whilst I'm at Uni they're going to make me a criminal? for "doing my bit for the environment"?
p*****s.
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It will be interesting the first time baliffs are sent in to seize a car under the proposed rules, and need Police assistance. I would have to find something more important to do :-'
I think its a liberty that this is being proposed.
More cops on the roads, getting the uninsured cars off the roads, as statistics show that most uninsured cars on the road are dangerous and more than likley used in the course of crime.
But is that logical to do that? Of course not. It doesn't make money for Brown's Politbureau!
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Insurance is a load of rubbish anyway!
I got pulled up, car towed away, 6 points and a £360 fine for no insurance. The car WAS insured and i had/have a policy that states i can drive any car third party only so long as it does not 'belong' to me.
The was was owned by my old man but it was my name on the log book because of my private plate on it (please look at your log book, it states 'the registered keep is not necessarily the legal owner') and my insurance hand book stated i could drive any car so long as i didnt own it and the wording on the policy stated so long as it didnt belong to me (http://www.askoxford.com/results/?view=dev_dict&field-12668446=belong&branch=13842570&textsearchtype=exact&sortorder=score%2Cname)
I still got done for it even though i tried about half a dozen motoring solicitors, their response btw was 'you are right but insurance companies have more money than you and WILL win if you go to court'.
So now i have a IN10 with £360 fine which does my premium wonders :roll: :roll: :roll:
I will calm down a little now :lol: :lol:
Gavin.
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Log books should stae the owner and the keeper, it would make it harder for people to sell cars that are on finance that way. As for insurance companies they think that the keeper is the owner, some wont insure a car that is registered in someone elses's name.
Let's face it, insurance is a big scam anyway. If you have an accident you will end up thousands out of pocket whatever happens.
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I'm going to stick my neck out here, and say I agree with the idea.
If you use your motor, it is taxed and insured. If you don't, it is SORNed.....I can't see the problem really.
While there might be a few people with a reason to have a taxed, but not insured motor, I'm sure the majority of people who have taxed/uninsured motors are driving them illegally on the road.
Anything which gets the uninsured driver off the road sounds good to me.