Non-insured vehicles

alistair.long

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.

It is a fine upto £1000 + points. The other day I was in magistrates and a Polish driver was arrested for no insurance, for buying a car and drinving with no insurance. I was surprised to see that the judge hit him with a £1000 fine and 6 points, and the judge tried to make the man pay something.
I got the impression that the judge knew the person would just go back to his own country and not pay the fine, and court cost.

Fines wont work because people would just want to drive away from the Police.

When people want to change their ways they are hit with a high insurance premium.

Just incase you think I am saying things to aid me, fortunatly I have never had a speeding ticket, points etc..

billymadbiker

You could stick the cost of road tax onto the petrol as well, that way, everybody pays, and the more you drive around wearing out the road the more tax you pay.
However, If insurance etc is added to the cost of petrol how much will it cost me to cut my grass & hedges??

If I could still get cheep petrol for my lawnmower etc whats to stop me pouring it back into my car?

Also, what about my boat? should I pay car insurance and tax to move a boat in international waters??

We are actually one step closer to everybody having insurance with a new law arriving in april saying ALL cars have to be insured regardless of if they are used on the road or not. Automatic fines are going to be sent out if your insurance lapses

mikey72

billymadbiker wrote: »

You could stick the cost of road tax onto the petrol as well, that way, everybody pays, and the more you drive around wearing out the road the more tax you pay.
However, If insurance etc is added to the cost of petrol how much will it cost me to cut my grass & hedges??

If I could still get cheep petrol for my lawnmower etc whats to stop me pouring it back into my car?

Also, what about my boat? should I pay car insurance and tax to move a boat in international waters??

We are actually one step closer to everybody having insurance with a new law arriving in april saying ALL cars have to be insured regardless of if they are used on the road or not. Automatic fines are going to be sent out if your insurance lapses

There's a working system for diesel.

You won't need insurance for all cars. You will need insurance for all taxed cars. If you don't insure it, you have to sorn it.

liam8282

Why would the petrol stations agree to be insurance fee collection offices?

Who would pay for the extra costs involved in making petrol stations insurance fee collection offices?

Insurance companies would still be needed to sell the insurance so costs wouldn't go down. Any person could still get in a car and drive it, they don't necessarly have to be insured.

I could get my gran with 50 years no claims discount, who pays £100 a year insurance to go fill up my Ferrari. She pays the cheaper insurance, petrol price etc. but I drive the car.

The people with the £500 bangers could get somebody with insurance to go pay for their petrol for them, still doesn't make the car or person actually driving insured.

Just a few reasons why adding the insurance to petrol could easily be manipulated.

Quote

The petrol station idea is utterly ludicrous. Nothing else needs to be said about it.

C_Mababejive

I've never been stopped in my car nor bumped it in 20 years. If i had not bothered being insured,i could have saved a fortune and put aside a few hundred quid to pay the fine had i been caught.

lisyloo

I've never been stopped in my car nor bumped it in 20 years. If i had not bothered being insured,i could have saved a fortune and put aside a few hundred quid to pay the fine had i been caught.

Alternatively you could have had a heart attack, rolled down an embankment onto a train track, derailed a train and injured/killed people at a cost of £50m.

birkee

alistair.long wrote: »

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.

What incentive isthere for private business to accept responsibility?
Silly suggestion.

birkee

notafan wrote: »

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.

.

How would a 4" square of paper to put into your windscreen add more cost?

Penalties for no insurance REALLY need to be higher!
Perhaps even a lifetime ban from driving.
Kill a breadwinner, and a family could be destroyed, and they're likely to lose a house too, if they don't have morgage protection.
So someone can save the insurance money?

lisyloo

Kill a breadwinner, and a family could be destroyed, and they're likely to lose a house too, if they don't have morgage protection.

Actually they go to the MIB which we all pay for (so we all pay a subsidy for uninsured drivers).
But morally, I totally agree with your outrage.