Non-insured vehicles

rogermunns

Many people who have been abroad will have seen that for most countries it is a legal requirement to display proof of current insurance on the car windscreen. It's just a little 4cm square ticket, dated appropriately.

Why why why can't this be done in UK? For as long as I can remember (I'm 65) there has been this continual bleating about uninsured drivers.

Get it sorted, UK.

vusys1

Jersey & Guernsey have been doing it for years.

alistair.long

good idea, Personally I believe insurance should be done with the fuel so maybe fuel companies can come up with something. So the last place you filled up will be responsible, so you are always insured.
A simple solution would be the insurance company will give you a card and when you topup you give your card and accordingly your details will be with the company and they will add the surcharge you have agreed to on a compare site or something similar.

So if you only drive 10 miles that year you save a lot, or if you drive over 10,000 you pay more.

dacouch

How do you propose to drive the new car home you buy at short notice

LittleMissAspie

vusys1 wrote: »

Jersey & Guernsey have been doing it for years.

Does it work? I mean people still drive around untaxed even though you should have a disc in the window. I actually drove around with no tax disc for years (didn't realise I needed one as the car is tax-exempt) and no-one ever spotted it to tell me...

lisyloo

the last place you filled up will be responsible, so you are always insured.

Terrible idea.
Fuel stations will stop selling to the under 25s for a start.
Perhaps there will be a pink "sheilas wheels" petrol station?

magpiecottage

lisyloo wrote: »

Perhaps there will be a pink "sheilas wheels" petrol station?

Fortunately, that would be outlawed by the EU.

More seriously, though, a vehicle's insurance must give it minimum legal cover throughout the EU and putting it onto fuel will not achieve that.

In addition, this will, presumably only give minimul legal cover anyway and those who want more will have to pay more.

There is also the problem that there is more to the risk than fuel consumption.

notafan

I agree that car insurance as it stands needs a lot of work but i dont think a ticket in the window would do much good and it'd just impose more cost on people that do pay. Plus they'd be ways to forge it etc.

I'd rather the full concept change, at the least where the car is insured instead of a person.

It winds me up so much that at the minute the fine for driving without insurance is not far off what I'm paying, and i know im not the worst out there many people pay more then the fine so its cheaper to not have it. How many of the police camera action shows do they see where they just take the old wreck of a car off them and then let them walk off?

As normal everyone that pays insurance foots the bill whilst people that don't likely don't get caught or if they do they are fined to a maximum of what they'd pay a year anyway and in most cases its less or they get the car took off them which is worth less the what it costs to get it back after being impounded- no real deterrent - all the while the people that follow the law and pay, keep paying through the nose.

I'd love to see people caught driving with no insurance to have the car seized which should then be auctioned off. They should also be made to pay for the full years insurance that they didn't pay for PLUS the fine of 1k all of which should go into a fund. The fund could then pay out when drivers with insurance where involved with people that weren't, or when people go back to their cars and find someones driven into it and just left etc.

alistair.long

If you have just bought a new car, tell the owner to take it to the petrol station and then you fill up.

If you have your insurance card that deducts your money when you fill up. e.g high risk £10 per letre, medium risk £5 per letre, and low risk £1 per letre. now if you are high risk for every 10 letres you will have to pay £100.
What you get is full indemity on a pay as you drive system, if you dont drive you dont pay.
Its just an example, I think if the petrol station types in your reg and they know what to charge.

Every new idea will have bumps till it settles out.

I do like it that the Police are clamping down on uninsured drivers, they do crush cars but this does not deter some perople.
Some people need a car but are too poor to get insurance.
Some people have convictions in the past that send their premium up the roof,
some people drive for the fun of it- with no insurance,
and sometimes the car is not insured coorectly, e.g incorrect reg noted by insurance company.

I think driving habbits are a problem, and also the fact that some people think they own the road.

notafan

alistair.long wrote: »

If you have just bought a new car, tell the owner to take it to the petrol station and then you fill up.

If you have your insurance card that deducts your money when you fill up. e.g high risk £10 per letre, medium risk £5 per letre, and low risk £1 per letre. now if you are high risk for every 10 letres you will have to pay £100.
What you get is full indemity on a pay as you drive system, if you dont drive you dont pay.
Its just an example, I think if the petrol station types in your reg and they know what to charge.

Every new idea will have bumps till it settles out.

I do like it that the Police are clamping down on uninsured drivers, they do crush cars but this does not deter some perople.
Some people need a car but are too poor to get insurance.
Some people have convictions in the past that send their premium up the roof,
some people drive for the fun of it- with no insurance,
and sometimes the car is not insured coorectly, e.g incorrect reg noted by insurance company.

I think driving habbits are a problem, and also the fact that some people think they own the road.

I'm sorry I'm totally skint after being made redundant but it doesn't mean i should just not pay and let everyone else. If people are too poor then you have two options, pay up or get rid of the car. Partly the reason everyone pays more is because of people that don't. I don't think theres any excuse for not paying it, not that i don't think its extortionate or the full system needs work. But its partly this way because people have that attitude.

If people have convictions its because they were convicted of doing something wrong like speeding or drink driving. Therefore they should pay more because they are more risky.

Inactive

rogermunns wrote: »

Many people who have been abroad will have seen that for most countries it is a legal requirement to display proof of current insurance on the car windscreen. It's just a little 4cm square ticket, dated appropriately.

.

Not sure where in Europe?

In Spain they have little window stickers, but they do not relate to insurance, they relate to their version of our MOT.