car seizures by police for no insurance

eschaton

I hope it was a nice car. Will they let you say goodbye to it before they crush it?

photome

McKneff

Troll it is then, I thought it was a bit of a stupid question to be honest.

Aretnap

Herzlos wrote: »

And if you drive without insurance you probably won't be too concerned about being driving whilst disqualified as well.

Probably true, but there's at least one big difference between having no insurance and being disqualified. You can't be sentenced to quality time showering with Bubba for driving without insurance. You can for driving while disqualified.

dacouch

Jamie_Carter wrote: »

That's where there needs to be a huge review of the insurance industry. The companies are even making money now out of GAP insurance, which is mainly needed because the insurance companies have put their prices up.

How does that work when GAP Insurance is to pay the difference between what you owe on your finance and the market value the car insurer paid for writing it off?

Jamie_Carter

dacouch wrote: »

How does that work when GAP Insurance is to pay the difference between what you owe on your finance and the market value the car insurer paid for writing it off?

To be honest I'm not an expert. I'm just going by what the insurance company sales rep said to me about it covering uninsured losses.

Do you mean they were telling me porkies?

dacouch

Gap Insurance is entirely separate from car insurance and the majority of Insurers are not involved in car insurance.

Gap Insurance which I explained earlier, has no real effect on car insurance.

Car Insurance premiums rising is mainly down to the recession and regulation

worried_jim

dacouch wrote: »

Gap Insurance is entirely separate from car insurance and the majority of Insurers are not involved in car insurance.

Gap Insurance which I explained earlier, has no real effect on car insurance.

Car Insurance premiums rising is mainly down to the recession and regulation

And chavs (or the op) driving with out insurance!

Jamie_Carter

worried_jim wrote: »

And chavs (or the op) driving with out insurance!

As well as the 'no win no fee' injury payouts. There is a junction near me that is well known for staged accidents. In fact there was possibly one there today when I went past.

I know a couple who had a rear end shunt last year, who received a payout when they claimed whiplash. Then they found out that they could also claim for their kids, so they did. The really funny thing was that they found out last week that the payout for the kids is going straight into a trust fund...they were furious :rotfl::rotfl::rotfl:

Aretnap

worried_jim wrote: »

And chavs (or the op) driving with out insurance!

Insurance companies would like you to think that, but the truth is that the cost of uninsured drivers is relatively small - the industry's own figures suggest that they add about £33 to the average premium, which is £33 too much admittedly, but it's less than 5% of the average premium (£800-ish) and nowhere near enough to explain the increase in insurance prices in the last few years. Inflated costs added by claims management companies, no win no fee personal injury lawyers and the gravy train of approved repairers (nearly everyone I know has a story of how their insurer's approved repairer wanted a grand to do a job their local garage had quoted a couple of hundred quid for) probably have a lot more to do with it.