Sorry Katman, but fu@king cagers!

[McDuck]

I'd kinda like those too, Dainese do some, but I was put off by the bright yellow colour...

We should get quasi to make us some

[Slyer]

I was thinking of DB's son who, he says, would be hit hard if 3rd party were compulsory.

And I'm saying he won't be hit hard.

[McDuck]

I got full cover for the katan for around 200 bucks per year. The only dissadvatage was an excess of around $1200 which was the same as my car. If you dont drive like a cock (or get caught driving like a cock) you should be fine.

[Tank]

While I do not disagree with you, what about my 15 y/o son? Has his own after-school job, saves up seven grand, buys black GT250R, top of his year academically, super nice kid, uber-responsible, young-achievers award, takes great care with others rights, feelings, and property. Unlikely he could afford even 3rd party, and there would be no point as the excess would be enormous.

It is fine to want a simple solution, but there will be side-effects.

Steve

So you son - who 'cannot afford' insurance causes an accident (it can happen to anyone), and does many '000's of damage to someones car.

The other persons insurance pays but then comes after your son. You son who cannot afford to pay it has judgements placed against him, fucking his credit and ends up unable to get a mortgage etc etc.

All the time the debt is getting larger and larger due to intrest and it takes him 10 years to pay it off.

It is typical small small minded thinking that "he cant afford" to ride uninsured - the truth of the matter is that he cannot afford to ride without it.

[madbikeboy]

When I think about this from a pragmatic view, the ideal of 3rd party actually still makes sense. Regardless of your son's personal position, I think it's a responsibility of each person to ensure (insure) that they can rectify damages in the event of a crash.

In the early 1990's, a schoolgirl from EGGs wrote off a Ferrari in her old bomb, and can you imagine how long it would take to pay off $500k in old money?

Point is, and I'm not lecturing, it's always been drummed into me that you can only afford the bike that you can insure. 3rd party is cheap, even for youngin's if they're riding something reasonable - and if they're Carver riding a GSXR1000 at age 20, then they're likely on the wrong bike anyhow.

Finally, and not to stretch the point, even if the excess is $2000, it's cheaper than replacing the bumper on a Lamborghini Diablo($20k), the door on an S8 ($6k), or the airbags in a small BMW ($8k)....

[PrincessBandit]

In regard to third party insurance, I support it from this perspective: If I am on the receiving end of someone elses stuff up why should my insurance have to cover it, losing my no claims bonus etc. Or this scenario, worse still, I have no insurance (because I can't afford it) and am hit by another person who also has no insurance - why am I left out of pocket for something that I didn't cause? It might seem hard, but if you want to have the wheels you should also factor in the extra expenses that go with that. There is more to owning a vehicle than just paying the dosh to get the ownership papers and ignition key.

[CookMySock]

And I'm saying he won't be hit hard.

Well to be fair, it was an assumption. We didn't even look up what it would cost.

The main reason we didn't insure him, is so he was forced to reconcile the concept of "What ever I break - I pay for." While many people are happy to cover their risk by purchasing a policy, life in general doesnt rotate in this fashion, so it was an important basic fundamental to get well-seated into his mind. You can be sure he feels this in his heart every time he rides his bike, and the results of this are directly observable in his behaviour on the road - a trait I wanted to set in concrete before we even put a helmet on him, and I think I have succeeded. If my hunch is correct I will have permanently built a responsible rider. I guess we will see.

Anyways, time for a hijack alert, as our dear PB's thread is getting quite off-topic.

My point was, not all teenagers are assholes. I have met PBs kids and she has met mine, and I think we are both exceedingly grateful for the responsible kids we have - they have an excellent chance of still being alive in 20 years. It's scary to have the less responsible act dangerously around us.

With regard to the problem at hand, if said clown is going to dangerously pass me regardless (on duty as tail-end-charlie) I usually do a large exaggerated finger-point at them and then at the L-Plate, and then move out of their way and let them do as they choose. I have not had a failure with this method yet, and it is certainly much safer than closing up the gap and going into mother-hen mode, which as has been observed bunches the traffic up dangerously.


IMO,
Steve

[Tank]

The main reason we didn't insure him, is so he was forced to reconcile the concept of "What ever I break - I pay for." While many people are happy to cover their risk by purchasing a policy, life in general doesnt rotate in this fashion, so it was an important basic fundamental to get well-seated into his mind. You can be sure he feels this in his heart every time he rides his bike, and the results of this are directly observable in his behaviour on the road - a trait I wanted to set in concrete before we even put a helmet on him, and I think I have succeeded. If my hunch is correct I will have permanently built a responsible rider. I guess we will see.

Doesnt matter if he IS a responsible rider - accidents DO happen. I think your advise to your child about riding uninsured is short sighted and incredibly poor advise to give to a child.

Its all well to teach personal responsibility - but what happens if the responsibility of the fix is financially outside the ability of your child.?

"What he breaks - he fixes" - how the fuck can a 15 yo kid fix 40k of someone else's property - he cannot.

SO - DB - If you son has the misfortune to be in the wrong and causes an accident - and does 40k's worth of damage - what are you going to tell him????

oh thats right - lie, and hide like a bitch:

Ah that sucks bro. Yeah bikes are for goofing off on, and sometimes we screw it up - thems the breaks! This time you got off lightly.

Right, any damage to anyone else ? Any liability ? If so, deny everything and refuse to discuss the accident with anyone. Disappear into the long grass, and say nothing. Fix your own bike with your own money, and let your sore knee mend itself etc. If anyone wants to knock on your door and talk about the incident, tell them they are at the wrong place. If the feds turn up, tell them u dunno jack about that, and shut the door and go back to what you were doing. Letter from some insurance company demanding payment? bew hew hew, chuck it in the bin. Life goes on. Dont FFS admit the whole thing to the feds in the hope things will be better..

Seriously - is that the kind of person you want your child to grow up like?

So what is it DB (and have the decency to reply) - you teaching personal responsibility - or just a veneer of it being your responsible for your own shit and lie, hide and hope.

[Tank]

Typical - no reply huh!

Im guessing you go with the run, lie hide and hope.

Top values there to teach ya kid DB. Hope you understand how annoying it is when someone does the same to you.

[Pixie]

So you son - who 'cannot afford' insurance causes an accident (it can happen to anyone), and does many '000's of damage to someones car.

The other persons insurance pays but then comes after your son. You son who cannot afford to pay it has judgements placed against him, fucking his credit and ends up unable to get a mortgage etc etc.

All the time the debt is getting larger and larger due to intrest and it takes him 10 years to pay it off.

It is typical small small minded thinking that "he cant afford" to ride uninsured - the truth of the matter is that he cannot afford to ride without it.

And "causing an accident" can be something like dropping the bike on a corner,which then slides across the road and takes out someones Aston Martin

[Dragon]

I'm a young person (18) that doesn't always go slow and I don't have a light foot but I am aware of what else is on the road. But one thing I never do is ride/drive without insurance I have full cover on my car and it's $1800 a year. Recently have pulled head in for verious reasons.

[Katman]

Typical - no reply huh!

Im guessing you go with the run, lie hide and hope.

Top values there to teach ya kid DB. Hope you understand how annoying it is when someone does the same to you.

Man, I am looking forward to seeing him try to answer that one.

Nice find Tank.

[jrandom]

Well to be fair, it was an assumption. We didn't even look up what it would cost.

Jesus H. Christ. You really are an idiot.

Y'know, I know it makes you sad, and I would like to not have to repeatedly point out in public that you are a mouth-breathing moron, but you just make that impossible.

Third-party insurance is two or three hundred dollars per year, tops. Most probably less. If your kid could save up for the bike, he can afford insurance.

You really are a bit... fucked in the head, aren't you? As in not quite aligned with reality.

[Tank]

Man, I am looking forward to seeing him try to answer that one.

Nice find Tank.

I don't think we will see a reply - he 'red repped' me saying he wont be posting in here and called me a troll.

See - he is tough.

[dipshit]

The main reason we didn't insure him, is so he was forced to reconcile the concept of "What ever I break - I pay for." While many people are happy to cover their risk by purchasing a policy, life in general doesnt rotate in this fashion, so it was an important basic fundamental to get well-seated into his mind. You can be sure he feels this in his heart every time he rides his bike, and the results of this are directly observable in his behaviour.....

....blar blar blar... wank wank wank.


The responsible thing to do is to have at lest third-party insurance. If you carn't afford it then no ride the bike.

If he crashes then he will have to pay more for his insurance next time... and so on and so on untill he can no longer afford insurance... so no ride da bike/drive da car.

That is the whole idear of keeping the fuckwits off the roads!