View Full Version : Car cover could become compulsory
SlashWylde
5th June 2005, 12:56
Finally:
http://www.nzherald.co.nz/index.cfm?c_id=9&ObjectID=10329156
Yeah fully support that, would be a very good way of preventing 15 year olds going out in skylines and wrx's.
Eurodave
5th June 2005, 13:23
3rd party insurance is cheap & anyone who drives/rides without it is a fool.
OK it doesnt cover your vehicle but it does cover the other guys expensive BMW etc when you both make accidental contact
Recently Ive had an uninsured young lady rear end my Beemer & its taken over 1 month so far to get it fixed.
The insurance company will be after her for, I estimate,$3500 restitution very soon & then she's got to somehow buy another car to replace her now very f*#ked one
A VERY EXPENSIVE ORDEAL FOR HER THAT COULD HAVE BEEN AVOIDED IF SHE HAD [cheap] 3rd PARTY INSURANCE!!!!
Here endeth the sermon
Ixion
5th June 2005, 13:35
Yeah fully support that, would be a very good way of preventing 15 year olds going out in skylines and wrx's.
Why ? Third party doesn't cover damage to YOUR car, only the other guys. So how expensive your car is doesn't come into it. And performance would only come into it if we accept that performance = dangerous. Given that the whole of motorcycling pretty well revolves around performance I don't think that's somewhere we want to go.
Most of the boi racers don't damage other peoples cars, they write themselves off. So third party insurance won't make any difference.
And , real world now, how many 15 year olds are there in Skylines and WRXs. Very few, and those who are, you may be sure that Mummy or Daddy paid for the car. And Mummy or Daddy will just insure the car in their (Mummy/Daddy) name. No problem
This is just an emotive and illogical knee jerk. After all, thinka bout it. What does it boil down to. Answer, "If you have lots of money you must be a good driver (because you can afford insurance). If you are poor you must be a bad driver (because you can't afford insurance) "
Yeah what you are forgetting is how much it costs for a 20 year old to insure a $10000 wrx. Try around $2000 a year, and thats with a clean driving record. If not then they wouldnt get cover at all.
EDIT: Those figures are for full, its about $800 for 3rd party, but hardy any insurance co's will insure a "boy racer car" for someone under 25 anyway.
eliot-ness
5th June 2005, 15:01
Not before time. How many people walk away from accidents with the words "Sorry mate, no insurance" Over the many years i've been riding I've seen premiums climb sky high, despite never having had a claim. Why the f--- should I subsidise these irresponsible bastards. Would like to think that if I ever get hit at least I won't have to pay for it myself. Do it the pommie way. No insurance=no Wof= no reg. You get caught and you get done for the lot, and it's expensive. Incidentally, My wifes car was hit by an uninsured driver. MY wife had to take them to court to claim damages on behalf of her insurance company. The court awarded $10 a week. Repairs cost over $3000. Hardly worth the day off work
-------------------------
99 percent of lawyers give the rest a bad name
3rd party insurance is cheap & anyone who drives/rides without it is a fool.
OK it doesnt cover your vehicle but it does cover the other guys expensive BMW etc when you both make accidental contact
Recently Ive had an uninsured young lady rear end my Beemer & its taken over 1 month so far to get it fixed.
The insurance company will be after her for, I estimate,$3500 restitution very soon & then she's got to somehow buy another car to replace her now very f*#ked one
A VERY EXPENSIVE ORDEAL FOR HER THAT COULD HAVE BEEN AVOIDED IF SHE HAD [cheap] 3rd PARTY INSURANCE!!!!
Here endeth the sermonPraise the LORD! Amen! I agree. :not:
Eurodave
5th June 2005, 15:56
Praise the LORD! Amen! I agree. :not:
Yea verily, brothers & sisters
The Lord came & he spake unto me saying:
"Get yer f*#kin vehicles insured for 3rd party or the Debble will come & smite thy wallet & there will be wailing & gnashing of teeth"
He saw that the people were sad, pleading poverty & generally acting f*#ked off but still he urged them saying:
"My words have gone unheeded, so there has come a pestilance & it shall be called THE BOY RACERS, & they shall wreck havoc & shed death & destruction over all the land, so its best ye fork out B4 its too late"!
Pixie
5th June 2005, 16:55
Most of the boi racers don't damage other peoples cars, they write themselves off. So third party insurance won't make any difference.
) "
O.K...where's the problem?
zadok
5th June 2005, 18:13
Sounds like a great idea to me. :yes:
skidMark
5th June 2005, 18:41
god planned for people without insurance to be on the earth.....
http://aksquad.net/gallery/albums/Far-Side/FarSide_GodSprinklesJerks.jpg
250learna
5th June 2005, 19:27
3rd party insurance is cheap & anyone who drives/rides without it is a fool.
OK it doesnt cover your vehicle but it does cover the other guys expensive BMW etc when you both make accidental contact
Recently Ive had an uninsured young lady rear end my Beemer & its taken over 1 month so far to get it fixed.
The insurance company will be after her for, I estimate,$3500 restitution very soon & then she's got to somehow buy another car to replace her now very f*#ked one
A VERY EXPENSIVE ORDEAL FOR HER THAT COULD HAVE BEEN AVOIDED IF SHE HAD [cheap] 3rd PARTY INSURANCE!!!!
Here endeth the sermon
My brother was driving his work car, XJR Jaguar, if you know what it is you will know its worth over $150k. There was something going on on the motorway and he had to stop in trafic, the girl in a rust bucket behind him didnt. He was stationary, she was doing around a 100 at the time.
****BOOOOOOOOM****
Aprox $15k worth for poor girl to pay, as well as her car spliting, and i think the engine droped . No 3rd party either...
He tells me that the airbags worked magic, he just had a bit of a shock after it all hapened but all was well on his side.
The rust bucket hasn't got 3rd party because you can't get 3rd party for a vehicle under $1000 - I've had to bullshit the value of my cars many times.If it's compulsory it has to be all cars,no matter their value...
FEINT
5th June 2005, 20:47
About time. This is will be good. At least when somebody runs in to you, you won't have to worry about losing your NCB. :D
The rust bucket hasn't got 3rd party because you can't get 3rd party for a vehicle under $1000 - I've had to bullshit the value of my cars many times.If it's compulsory it has to be all cars,no matter their value...
You sure?? I had 3rd party for my pos $500 mazda 323 a few years back, told the insurance co (AMI) how much it cost aswell.
Fluffy Cat
5th June 2005, 21:18
You guys are either POMs or dont know you've had it so good or just well off.
Have you been to old England recently and insured a vehicle not cheap. Now try to do your bike.Yeah when you get to 35 it goes down a bit.....
It wont solve a thing but i would love to be in insurance i can see $$$$.
250learna
5th June 2005, 21:26
You sure?? I had 3rd party for my pos $500 mazda 323 a few years back, told the insurance co (AMI) how much it cost aswell.
ya i asked for a quote for an old toyota carina worth bout $500 if that, i said it was worth $500 and they said its ok... this was bout 3 months ago, the car is now dead :no: i loved that car
Ghost Lemur
5th June 2005, 21:57
You guys are either POMs or dont know you've had it so good or just well off.
Have you been to old England recently and insured a vehicle not cheap. Now try to do your bike.Yeah when you get to 35 it goes down a bit.....
It wont solve a thing but i would love to be in insurance i can see $$$$.
I've heard similar things from other poms too.
I have a feeling half the people currently cheering will be moaning after it's been in place a couple of years.
Btw, the real worries are the no licence//no reg/wof//etc crew. Does anyone think these guys are really going to be bothered about breaking the law and having no insurance.
Btw, the real worries are the no licence//no reg/wof//etc crew. Does anyone think these guys are really going to be bothered about breaking the law and having no insurance.I don't want to understand the mindset of these peeps who *won't* get a WOF or Rego for their vehicle...could be just sheer laziness? I know my rego & warrant has lapsed a few times over the years but usually because I forgot about it and time passed me by, got them done straight away though. Been warned at a checkpoint once about a lapsed warrant. :D
How high do you think the number of these wof/rego evaders is in NZ GL? Can't be a very large percentage? I've never known any? and I think the risk of getting caught is much higher out there nowadays with the increases in checkpoints & random stops.
Clockwork
6th June 2005, 07:52
Anyone who thinks this means that his preimums will go down....... tell 'im he's dreeeeeamin'
Anyonone who thinks this will remove uninsured rustbuckets from the road..... tell 'im he's dreeeeamin' too.
geoffm
6th June 2005, 10:35
I've heard similar things from other poms too.
I have a feeling half the people currently cheering will be moaning after it's been in place a couple of years.
Btw, the real worries are the no licence//no reg/wof//etc crew. Does anyone think these guys are really going to be bothered about breaking the law and having no insurance.
Australia has 3rd party as part of their rego - only for medical expenses as there is no ACC. As a reult, their rego is $A600 ish in NSW.
The ins. caoompanies would be the main winner of compulsory insurance - the lowlifes would still drive without it as they do now for rego. It might stop some of the Asian student+fast car+ Chinese "license" = someone else out of pocket
Ixion
6th June 2005, 10:56
O.K...where's the problem?
Same problem as ACC. Once the government move in you can guarantee that premiums will increase astronomically. And, like ACC, you can bet that bikes will get it in the goolies.
And what difference is it going to make ?
The justification is to make it too expensive for young guys to run hot cars. Anyone actually had any PROBLEMS with such young guys in Subarus etc? I know they're jerks, and a pain in the [arse/ass strike out according to preference] but personally, I don't have a problem with them. They're not the ones U turning front of me, moving in on my lane etc.
The ones that do that are the fat cats in BMWs.And the soccer moms in SUVs, who already have insurance. So I don't see why I should support something that is just a "oh those people are different to me, hate, hate, what can I do to shaft them" response.
Since bikers, like young guys in hot cars, are a minority, and not favourably regarded by authority, you can be quite sure that any "get them off the road" moves will also flow onto bikes. There are a lot of people in Wellington who would LOVE to see motorbikes forced off the road. This would play right into their hands.
It's bound to be tied into registration , like ACC is. So expect to see $1000+ rego costs in the future for bikes.
For the record, I have third party fire and theft. But only because I want the theft cover and you can't get it separately.
As far as I'm concerned it's my business NOT to hit other people and to make sure that THEY don't get a chance to hit me.
Motig
6th June 2005, 10:59
Like the theory but I figure as usual it would only be the good citizen that'll front up and pay probably the ones that are already insured. How do you get that 40% that already don't bother getting rego/WOF,insurance? They won't give a damn :brick:
No insurance = reg and WoF are null and void = confiscation of vehicle and loss of licence on top of three fines (no WOF, no reg, no insurance). Driving without licence = confiscation of vehicle and prison term - getting fucked up the arse for six months then bashed over by your mate (for getting his car confiscated and auctioned) when you get out will ensure that they won't be so keen to drive without licences again.
It would work if the consequences were severe and instant: "get out of the car, give me the keys and your licence, and here's your tickets for the thousand dollars' worth of fines. You want me to call you a taxi or are you going to walk?"
"Oh, you're disqualified, "Sir", place your hands behind your back" *click* "and as you drove recklessly trying to evade arrest, you're looking at a year in prison rather than six months."
And you'd have to multiply the amount of time you want them to spend in prison by about 20 to get the "sentence" you need in the arse-wipe judicial system we have. Otherwise they'd be paroled and driving another car in a couple of days. Actually expecting them to serve an entire six month sentence is out of the question in our fucked-up "justice" system - that'd be unfair on the poor criminal...
It'll never happen tho' 'cause politicians also have young arse-wipe snot brats who get into acting like dicks in cars.
Aitch
6th June 2005, 13:02
Who's the best insurance (ie cheapest) company for a a grown up on a new GS1200SS? Swan quoted be about $1200 for full and about $850 for 3rd party fire and theft.
.......you'd have to multiply the amount of time you want them to spend in prison by about 20 to get the "sentence" you need in the arse-wipe judicial system we have. Otherwise they'd be paroled and driving another car in a couple of days. Actually expecting them to serve an entire six month sentence is out of the question in our fucked-up "justice" system - that'd be unfair on the poor criminal...
So you will be fine with paying an extra 2% in tax to have these people picking there nose for 6 months while you pay for food, cable, lights roof over there heads and some people to keep an eye on them. And you will have this "facility" in you backyard right ..... ???
On the subject :
I think i should be compulsory with 3rd party. I really can't bellieve it isent, I think it is in 99 of a 100 "westen" countries. But I must say i can see Ixion's point. I agree totally with the soccer mum's in the SUV's with no respect or consept of size and speed and feeling totally safe in there cage.
I would put up the driving age to 18, for under 18's a 50cc certificate could be taken or it would be on your bike. This would help public transport and therefore make it a more viable option for "normal" motorists and maybe that would help the congested motorways. I would make deffensive driving course compulsory. This would drive up the price for a drivers license and delay some. As i see it there is not nearly enough trainning in NZ before a license is given.
eliot-ness
6th June 2005, 16:40
Who's the best insurance (ie cheapest) company for a a grown up on a new GS1200SS? Swan quoted be about $1200 for full and about $850 for 3rd party fire and theft.
I found Swan the cheapest. Bonneville. 800 Value $14000 =$750. $250 excess
comprehensive based on no claims, accidents or speed tickets. They don't seem to differentiate between cruisers, tourers or sports bikes. The first quote I got was from bike dealer. $950. Second directly from Swan. $850. Third, with the help of the missus, 'she who must be obeyed.' $750. so it's worth haggling if you have a good record. An interesting point for riders of up to 500cc bikes. I insured a Suzuki GS 500 with NZI. (Swan is in the same group) By including it in my home and contents insurance. Believe this or not. $180. full comprehensive. $250 excess. They won't insure over 500cc though
although I argued the Suzuki was probably faster.
-------------------------
what's the speed of dark???
Aitch
8th June 2005, 09:12
I found Swan the cheapest. Bonneville. 800 Value $14000 =$750. $250 excess
comprehensive based on no claims, accidents or speed tickets. They don't seem to differentiate between cruisers, tourers or sports bikes. The first quote I got was from bike dealer. $950. Second directly from Swan. $850. Third, with the help of the missus, 'she who must be obeyed.' $750. so it's worth haggling if you have a good record. An interesting point for riders of up to 500cc bikes. I insured a Suzuki GS 500 with NZI. (Swan is in the same group) By including it in my home and contents insurance. Believe this or not. $180. full comprehensive. $250 excess. They won't insure over 500cc though
although I argued the Suzuki was probably faster.
-------------------------
what's the speed of dark???
Yay! $600 for full cover on the GS, market value $10k. I spose it didn't hurt that I'm old with a clean record....
vifferman
8th June 2005, 09:23
No comments on this:
"The Government review follows a campaign co-ordinated by the Christchurch City Council, which sought support for the introduction of mandatory insurance, an objective test for vehicle noise emissions, ..."
And:
"The Ministry of Transport had also contracted an acoustical consultant to investigate methods that could be used to objectively measure noise."
Put away your nosiy aftermarket cans, guys...
geoffm
8th June 2005, 09:29
The justification is to make it too expensive for young guys to run hot cars. Anyone actually had any PROBLEMS with such young guys in Subarus etc? I know they're jerks, and a pain in the [arse/ass strike out according to preference] but personally, I don't have a problem with them. They're not the ones U turning front of me, moving in on my lane etc.
The ones that do that are the fat cats in BMWs.And the soccer moms in SUVs, who already have insurance. e and to make sure that THEY don't get a chance to hit me.
Well I have had trouble with boi racers in tarted up cars. I am sure the examples I am thinking of got their "licenses" in the packet of Chinese Noodles, so any new laws wouldn't apply to them anyway...
Agree that SUVs, taxis and couriers are the worst
G
Ixion
8th June 2005, 09:41
No comments on this:
"The Government review follows a campaign co-ordinated by the Christchurch City Council, which sought support for the introduction of mandatory insurance, an objective test for vehicle noise emissions, ..."
And:
"The Ministry of Transport had also contracted an acoustical consultant to investigate methods that could be used to objectively measure noise."
Put away your nosiy aftermarket cans, guys...
Yep. Be exceeding cautious of wanting the Government to control anything. You will invariably find that you don't like the result.
You sure?? I had 3rd party for my pos $500 mazda 323 a few years back, told the insurance co (AMI) how much it cost aswell.
Must vary from company to company.
My rustbucket old 1985 nissan pulsar is insured for 2 grand (WAY more than its worth), because thats the minimum NZI would insure it for. Still pretty cheap, costs me ~140 a year for 3rd party fire and theft.
GOD how I wish someone would thieve it lol.
R6_kid
8th June 2005, 10:50
im paying around $1 a day for full comp on my ZXR. Insured for $3500 at the moment. Thats on a restricted licence with a previous accident.
Chocolate fish to the person that can name the insurance company im with :whocares:
Powered by vBulletin® Version 4.2.5 Copyright © 2025 vBulletin Solutions Inc. All rights reserved.