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Have you heard the latest on insurance!

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The Fat Controller:
ask BARRY SCOTThe's into insurance questions maybe he can shed some light as we all have at least one vihicle SORN

MuddyMike:
This one gets my full support, its about time the gov acted to reduce the number of uninsured drivers out there.

Mike

drum:
I have an "Any Vehicle Policy" because I drive a multitude of vehicles in a week, and it is safer and easier to me, to know that I'm insured as long as basically the value is less than £xxx and I'm licensed to drive it.

I already get stopped about once every couple of month because a traffic cop has spotted an uninsured vehicle. Most understand, and accept my exlpanation, occasionally I get a producer. This is fine with me, I can understand the checks, and they are acceptable.

Automatic fines could be very interesting indeed.

datalas:
whilst I am a firm believer in the need to reduce the number of uninsured vehicles out there, I do also believe to some extent that there is a side issue which is commonly overlooked which is that whilst it is a legal requirement to have insurance, and in some cases a practical requirement to have a car, the expense of insuring it is likely to be one of the factors why some people don't.

Don't get met wrong, the ever increasing cost of third party claims and the blossoming ambulance chaser society is to blame for the insurance companies having to increase charges to compensate (hello barry) but I have yet to find a quote from any of the mainstream companies which is less than four digits long, for *any* vehicle.

Now, to me that was just another thing to do, couldn't change the price of the car, had to pass a test, needed to buy fuel and got ripped off for insurance..  but some people aren't as dogmatically law abiding as I am :?  and when faced with a £2000 a year insurance bill, you can partially understand why.

Perhaps, we could sell the body parts of the boy racers (when they've been peeled off the road) to pay for subsidising those of us that drive legally :D

xmob:
Yeah, but if the insurance companies actually started putting up a fight against these "claim anything" types, it wouldn't cost them much.  Initially it would, in legal fees and the like, but you won't see an "accident claims 4 u direct helpline lawyers" advert every 2 bl00dy minutes when they realise they have to work for a claim!  BUT, I doubt very much we'd see premiums come down.  Just profits going up.

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