Non-insured vehicles

liam8282

We also have the window stickers for MOT's, whether anybody uses them or not though is something else.

Inactive

liam8282 wrote: »

We also have the window stickers for MOT's, whether anybody uses them or not though is something else.

Indeed, I have never seen anybody use them.;)

In fairness, ours are designed as a reminder, the ones in Spain are compulsory.

oscarward

alistair.long wrote: »

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.
.

Which is a recipe for encouraging driving off without paying or draining someone elses tank. It's bad enough round here at present prices so imagine what it will get like if the above was introduced.

liam8282

Instead of overhauling the whole insurance system, wouldn't it be easier to simply increase the penalties and punishments?

Make the fixed penalty £1,000 + points, that will deter those who go buy bangers for < £500 and risk the current £200 fine + points.

mikey72

liam8282 wrote: »

Instead of overhauling the whole insurance system, wouldn't it be easier to simply increase the penalties and punishments?

Make the fixed penalty £1,000 + points, that will deter those who go buy bangers for < £500 and risk the current £200 fine + points.

And agree to pay it off at £1 a week?

liam8282

mikey72 wrote: »

And agree to pay it off at £1 a week?

What do you suggest?

mikey72

Something that will affect them.

A fine they'll never pay won't matter.
Several fines they'll never pay will matter less.
All you'll do it penalise the ones who make a mistake, rather than the ones who do it on purpose.
To drive all you need is a car and petrol.
You can buy a car privately, or keep it for 20 years, so you can't add the insurance when you buy the car.
The only way to collect the insurance premium is to put it on petrol.
So the government can collect the premium for third party cover, and I'm sure any insurance company will be happy to take the contract, and then sell you an upgrade to fully comp as well.

Or cap the insurance to a realistic level, and limit the record profits the companies are making.

"Admiral announces another record profit coupled with continued strong growth. Profit before
tax at £266 million was 23% ahead of 2009, whilst turnover rose 47% to £1.58 billion"
http://www.admiralgroup.co.uk/press/pressreleases/02_03_11.php

So long as insurance is compulsory, it will always be a licence to print money, even if it goes on petrol, but at least you'll be forced to pay.
Although when it goes over an extra 50p a litre for the insurance, it'll be worth pinching the car just for the fuel tank.

Inactive

Crush the car with the offending driver strapped in it.:D

Seriously, fines do need to be increased to make it less worthwhile to cheat the system.

lisyloo

Seriously, fines do need to be increased to make it less worthwhile to cheat the system.

But they are no use for people that don't have to pay them.

I can see some logic to putting it on fuel.
I'm not happy with the general standard of driving and feel a lot ofaccidents are unnecessary, but this would mean that everyone paid and that there were no issues with un-insured motorists.
We'd save the whole of the MIB for a start and remove the entire problem of driving uninsured.

I personally feel I'd be subsidising some less careful motorists but at the moment I'm subsidising the uninsured.
On the whole I think it has merit although I can't see it happening.

alistair.long

lisyloo wrote: »

I'm not happy with the general standard of driving and feel a lot ofaccidents are unnecessary, but this would mean that everyone paid and that there were no issues with un-insured motorists.

I was thinking about this myself today, I do believe that people need some kind of training to teach them how to drive because most accidents are silly. People assume they have priority.
A friend I was talking to said he was reversing into a parking bay when the car stopped behind realy close, he was adimant that it would not have been his fault, were as if he did reverse in to the car it would be his fault for not stopping.