Insurance? What a scam!
 

So then...knocked off the 749 by uninsured driver 100 yards from my house in April 2007, paid insurance for a whole year and not gone out on either bike. Sept 08 Tax, MOT and insure the SS and take my son out for a blat 100 miles later and quarter of miles from the house we're knocked off by another uninsured and the SS is written off....

So... my insurance goes from £200ish quid fully comp to (Wait for it!)

£1 600 fully comp or £200ish quid third party (oh not fire and theft oh no!)

So then...tell me what the point is for paying insurance...?
2 accident's not my fault one proven but he's so many CCJ's against him the insurance company won't pursue it and the other "fault accident" until proven otherwise...both pulled out and turned right in front of me!:mad:

Have rang so many companies but no-one will touch me with a barge pole!:(

Totaly unfair and only ecourages more to not bother with insurance.
There must be statistics relating to the number of uninsured drivers around, be interesting to see the trends over the last decade

that is so wrong, the fact you cannot choose who wrecks your bike/car and your penalised. There should be an automatic two year ban for no insurance and if you have an accident no licence until you have recompensed the other parties.

Of course the police dont seem to have a target for uninsured drivers so unless they accidently catch one with the ANPR the uninsured drivers just carry on. Everyone in our area know where the ANPR van parks and even which days its likely to be there.

Maybe another system is required, one where the licence is issued by the insurance company or insurance is only available from the DVLA.

Have you offered to insure for limited mileage ?

.......Of all the databases available to police, the Insurance one is THE most proficient and up to date!!!!! and most widely used!!!!!!!

I can assure you if a vehicle is checked and found to be uninsured its removed from the road at the cost of £120 to the owner/driver, they are then charged £14 a day for the storage for 14 days when it then becomes a fridge. The driver is on the spot fined £200 and 6 points..........let alone anything else that can be fined for......

Unfortunately the police dont make the rules...........but in this case it is enforced strongly!

On another thread were moaning about cctv and anpr and its invasion,.........guess we fit the circumstances to the best moan!

Lisa, it is an absolute pain of a set of circumstances, i hope its sorted for you.....

CCTV...ANPR....ID cards.....all an intrusion IMHO too far...and most of it useless except agianst citizens who are for 99% of the time law abiding...but thats another issue

the first step to resolve it is have everything on your windsceen, as in other countries. Scrotes who continually drive uninsured, and swap cars around never registering them, still have to park somewhere and with all the wardens, parking attendants etc it makes it a higher rosk and therefore more likley to get caught

but the real issue is cost of insurance; over £1000 (often way over!) for a car worth a couple of hundred is ridiculous! Rather than putting £30 a policy (or whatever it is) away to account for claims against uninsured drivers, this fund should be used to subsidise early drivers so they can afford a car which, lets face it, has become a nessecity in the world we now live

What hacks me off is when I read in the local paper that someone has been caught driving without tax, insurance, mot and they get a fine LOWER than the cost of tax insurance etc.....

I've written before, I have a relative who buys old bangers from blokes in pubs (last car was an XR2 swapped for 200 fags). He never insures his cars, never taxes them, never gets an MOT. He gets caught and his fines add up to less than I pay to keep my car and bike legal!.

It's ridiculous.

kwikbitch, you have my sympathies.

So sorry to here this Lisa somtimes the law sucks.

I thought a motivated bloke like you would apply a sense a reality.....wheres your evidence this is the case?

At the risk of ramming fact down yer throat, (you complained about that once!) god forbid......i use this stuff on a daily basis and CAN provide the evidence that it is used against 99% of the time non law abiding citizens......the odd occasion you get the good guy, its an apology and away we go.....

wait til you lot get to see the hand held fingerprint gizmo........( although law abiding lot that the majority are you probably wont!)lying about who you are? stick yer sticky ones here mate.......2 mins and if we know you from previous convictions, your identified!!

but caught twice and hell be banned, caught again and he will be remanded.....caught again and he will go to prison..........

i agree......

more laws to restrict civil liberties under the current regime than in teh last 100 yrs of parliament, says it all really! In fact, we are folliwng Germany in the mid-20's at the mo...and we know where that ended! I have loads of evidence where it doesn't work and why its should be taken back a peg or two...but lets NOT hijack the thread, eh ;)

think its terrible that ins co's are treating you like this, maybe try a specialst broker?? te kind of peolpoe who find ins for those woth DD convictions, awful you are now being put in a similar bracket!!

[quote=andyb].......Of all the databases available to police, the Insurance one is THE most proficient and up to date!!!!! and most widely used!!!!!!!

I can assure you if a vehicle is checked and found to be uninsured its removed from the road at the cost of £120 to the owner/driver, they are then charged £14 a day for the storage for 14 days when it then becomes a fridge. The driver is on the spot fined £200 and 6 points..........let alone anything else that can be fined for......

quote]

big deal !

I know the police dont make the laws but they are the interface that we (the tax payer) have to deal with and it is the police that decide what offences to target.

I pay for my tax, insurance, MOT and it grates when we see the paltry fines dished out by the courts to those that dont bother. Whats even worse is when you see the scrotes just going to the pub to get another vehicle.

Anyway, theres nothing I can do except hope that KB and other innocent victims get their insurance sorted and the scrotes who cause the carnage and loss get their cumuppance.

[quote=YMFB]
wrong again.......Government driven im afraid.

still keep moaning!.......you wanna see the fines they dont get for burglary on your house........:o

The officer on patrol is the tool that is used by those higher up the food chain, we need to apply pressure to the decision makers.

ANDYB

methinks you work in a perfect policing state, have a trip up to Teeside, Geordieland or some parts of Yorkshire mate, might change your opinion on yer buddies in blue.

We all know that you work under testing conditions and are driven from above, but please take the blue tinted specs off ;-)

Can you apply the need to change the narrow minded views, sensationalisms and generalisations to everyone then?......

Get a grip, dry your eyes and knuckle down to do the best you can at your level.....the same as most of us.

I've seen sights and experienced things in conflict that would turn the stomach of many a mortal sole, I don't get upset at every dig or comment against Bliars war, nor do i feel the need to correct every person on their misguided and ill advised views.

I do take solace in the fact that I and my team do the best that we can when we are called upon. I also know that my morals are sound and without question. I sleep well at night, I do not worry how I am percieved.


However.......my insurance (through Ducati Ins) has risen from £187 to £450 per year with just a small change in vehicle.
No convictions (in 23 years) no claims (in 23 years)
Apparently I now need a Thatcham approved Cat1 Immobiliser to help drain my battery :-/

So just to clarify you want me to give and change ......but not anyone else?

thats the beauty of website mate, people express opinions.......and generally theres a contradictory opinion....thats how these things work, even here!

Do i look worried........? thanks for your advise you obviously know me well....:rolleyes:

However my insurance has gone down...yours has trebled??:o You wanna move down here where nothing happens..

Been there, done that, got bored.......

This thread has got out of hand, interesting reading though.

Point one, I totally agree with, Insurance Co's are scum bags. Always on the take. Unregulated swindlers, and it's legal.

Point two, the little scotes that cause these issues should be treated more ruthlessly by our pathetic juducial system. Or remove them of their liberty..... permanantly!

My sympathy's, hope you get sorted.