PLEASE get yourself some insurance!

[slowpoke]

On my way home from the Manfeild test day last Friday, just coming into Ashurst round that right hander after the 50kph sign. The road continues straight on but the main road sweeps right. A dude has a brain fade, thinks I'm continuing straight on even though I haven't indicated, and pulls out in front of me. CERRUNCH! With a loaded bike trailer on the back there wasn't much slowing down on my part but luckily no serious injuries, just one of the passengers ambo'd to hospital for observation

But the guy has absolutely no insurance.....

Only a young-ish guy (mid-20's?) driving a $1500 mid-90's Mitsi' Diamante, he's obviously battling, but the poor bugger is gonna be in some serious financial pain now. Our 2003 Subi Outback 3.0R isn't an expensive car....but it's going to be an expensive wreck (I seriously doubt they'll repair it) for that poor guy to pay off. With "follow up action" (cop-speak) to come

Please don't let yourself be him, even if you just get 3rd party, get something to cover your arse.

[rapid van cleef]

sorry to ear about your crash. it pisses me off when people take to the roads with no consideration for others by not taking out 3rd party insucrance. its so cheap anyway and is only for the benefit of other road users.

good luck getting your cash back.

[steve_t]

Yeah, that young guy will get hit with 'careless driving' or whatever it's called as well. What are the arguments against compulsory third party insurance as a minimum? Is it that PC bollocks about removing people's freedom to choose etc etc?

[ducatilover]

Yeah, that young guy will get hit with 'careless driving' or whatever it's called as well. What are the arguments against compulsory third party insurance as a minimum? Is it that PC bollocks about removing people's freedom to choose etc etc?

I think the only valid argument is the insane prices when it becomes compulsory, look at the U.K.


It sucks to be that dude, but, it could have been worse and now, hopefully he'll wake up behind the wheel.

[scumdog]

Yeah, that young guy will get hit with 'careless driving' or whatever it's called as well. What are the arguments against compulsory third party insurance as a minimum? Is it that PC bollocks about removing people's freedom to choose etc etc?

"When I was a lad" your annual rego had third-party insurance built into it, part of the cost of your rego was for the 3rd party ins.

One of our forward thinking governments decided to cancel that idea - but kept the money anyway...

[Mully]

"When I was a lad" your annual rego had third-party insurance built into it, part of the cost of your rego was for the 3rd party ins.
.

When you were a lad?

Yeah, but how much damage can you do with a horse and cart?

*runs for cover*

[FJRider]

Yeah, that young guy will get hit with 'careless driving' or whatever it's called as well. What are the arguments against compulsory third party insurance as a minimum? Is it that PC bollocks about removing people's freedom to choose etc etc?

Some are "choosing" not to pay Rego NOW ... and would probably choose not to pay insurance as well ...

And without Rego ... any insurance premiums paid wouldn't be worth zip ...

[Mully]

And without Rego ... any insurance premiums paid wouldn't be worth zip ...

Please don't start this argument again - it's been had so many times on here already.

EDIT: Actually. fuck it. Go nuts.

[Mom]

Please don't let yourself be him, even if you just get 3rd party, get something to cover your arse.

I was a very un natural mother, not only did my kids cars have to be insured, they had to have the current excess in their bank accounts at all time, just in case :D

[BMWST?]

Please don't start this argument again - it's been had so many times on here already.

EDIT: Actually. fuck it. Go nuts.

he is referring to the fact that IF rego included third party insurance....so you dont re register your vehicle cos its too expensive,so you are unregistered AND uninsured because the insurance premium is part of the rego fee.

[Mully]

he is referring to the fact that IF rego included third party insurance....so you dont re register your vehicle cos its too expensive,so you are unregistered AND uninsured because the insurance premium is part of the rego fee.

That's not what he said.

[steve_t]

I think the only valid argument is the insane prices when it becomes compulsory, look at the U.K.



Is it the fact that insurance is compulsory that's driven up the premiums or is it that there are too many people in too small an area having a lot of crashes and thus a lot of claims? I'd have imagined that compulsory third party, if the number of claims stayed similar or slightly more due to more people insured, would allow the industry to reduce premiums... hmmm... that should read that the industry would attract more players increasing competition and driving down premiums. Obviously, if claims skyrocket, then premiums would follow

[hellokitty]

My step son is 17 and on his restricted - his 3rd party insurance is $7 a fortnight.
Surely everyone can afford that? There is no excuse at all for not having 3rd party insurance.

[Kickaha]

hmmm... that should read that the industry would attract more players increasing competition and driving down premiums. Obviously, if claims skyrocket, then premiums would follow


You're dreaming, the insurance companies will anally rape you with rusty barb wire and no lube

[HenryDorsetCase]

When you were a lad?

Yeah, but how much damage can you do with a horse and cart?

*runs for cover*

they were rolling rocks along the savannah, pushing them with sticks. Thats what we did for fun in the late Pleistocene

[BMWST?]

That's not what he said.

you are right but it is what he meant I think

[slowpoke]

As a point to note for you impatient folk, the question was asked at the time, what if I had been indicating left and continued straight on? The response from the the constable was it makes absolutely no difference: if you are at a give way sign you must give way NO MATTER WHAT. I could have been indicating, pointing, everything indicating I was turning, even hit him with my left indicator still blinking, he would have been in the wrong.

I tend to err on the side of caution (just like my racing, d'oh!) but it makes ya think about all those times you've pulled out in front of someone indicating one way or the other eh? If they change their mind you are screwed, no matter what.

[steve_t]

As a point to note for you impatient folk, the question was asked at the time, what if I had been indicating left and continued straight on? The response from the the constable was it makes absolutely no difference: if you are at a give way sign you must give way NO MATTER WHAT. I could have been indicating, pointing, everything indicating I was turning, even hit him with my left indicator still blinking, he would have been in the wrong.

I tend to err on the side of caution (just like my racing, d'oh!) but it makes ya think about all those times you've pulled out in front of someone indicating one way or the other eh? If they change their mind you are screwed, no matter what.

Yeah, it's kind of crap that that's the way it is but I guess it has to be that way or the other party would always just claim that the other one was indicating to try and shift blame

[sinfull]

Must have been some brain fade Spud, there's like 20m of curve before you'd get to where he comes out ! He must have crawled out of there in low range or just freaked and stopped dead in ya path !


<iframe width="425" height="350" frameborder="0" scrolling="no" marginheight="0" marginwidth="0" src="http://maps.google.co.nz/maps?hl=en&amp;ie=UTF8&amp;ll=-40.294206,175.75118&amp;spn=0.000941,0.001719&amp;t=h&amp;z=19 &amp;output=embed"></iframe><br /><small><a href="http://maps.google.co.nz/maps?hl=en&amp;ie=UTF8&amp;ll=-40.294206,175.75118&amp;spn=0.000941,0.001719&amp;t=h&amp;z=19 &amp;source=embed" style="color:#0000FF;text-align:left">View Larger Map</a></small>

[Captain_Salty]

someone approaching an intersection while indicating left may also be intending to pull over to the side of the road, just beyongd the intersection. I've seen it a few times so yea, you cant assume anything.

[slowpoke]

Must have been some brain fade Spud, there's like 20m of curve before you'd get to where he comes out ! He must have crawled out of there in low range or just freaked and stopped dead in ya path !


<iframe width="425" height="350" frameborder="0" scrolling="no" marginheight="0" marginwidth="0" src="http://maps.google.co.nz/maps?hl=en&amp;ie=UTF8&amp;ll=-40.294206,175.75118&amp;spn=0.000941,0.001719&amp;t=h&amp;z=19 &amp;output=embed"></iframe><br /><small><a href="http://maps.google.co.nz/maps?hl=en&amp;ie=UTF8&amp;ll=-40.294206,175.75118&amp;spn=0.000941,0.001719&amp;t=h&amp;z=19 &amp;source=embed" style="color:#0000FF;text-align:left">View Larger Map</a></small>

Way hey, good work on the piccy! Yep, the latter I think. There were three passengers in his car so who knows what distractions he had, but he's had a brain fart and thought I was heading down alongside him rather than following the main road and just pulled out at the last minute. The classic go-stop-go kangaroo hop when he realised his error just made contact inevitable.

[Oscar]

You're dreaming, the insurance companies will anally rape you with rusty barb wire and no lube

Normally we stay clear of anal and/or barb wire, but in your case we'll make an exception.

[James Deuce]

Good to hear you're all right.

[Edbear]

I was a very un natural mother, not only did my kids cars have to be insured, they had to have the current excess in their bank accounts at all time, just in case :D

Sigh, there you go, being all reasonable again... Teaching your kids to be responsible, doncha know that's not the way it's done these days...? :innocent:


My step son is 17 and on his restricted - his 3rd party insurance is $7 a fortnight.
Surely everyone can afford that? There is no excuse at all for not having 3rd party insurance.

If only all parents could have the same views, eh..? :yes:


Good to hear you're all right.

And wot he sed! :yes:

[Ferkletastic]

Good message, I'm pretty evangelical about always having 3rd party cover as I used to be a claims debt recovery officer for a major insurer and have seen many young peoples financial situations massively dented by a lapse of judgement mixed with the bad luck of hitting something expensive.

One of the reasons I left the industry to be honest.

The word I had from those in the know is that the major insurers don't want 3rd party to be compulsary because then they have to cover everybody and lose the right to refuse cover based on high risk.

[Scuba_Steve]

Yeah, that young guy will get hit with 'careless driving' or whatever it's called as well. What are the arguments against compulsory third party insurance as a minimum? Is it that PC bollocks about removing people's freedom to choose etc etc?

All compulsory insurance would do is skyrocket the prices for everybody, it would achieve little else.
Last study I saw into it (AA I think) showed most drivers were insured & of those that weren't most of them couldn't be

[St_Gabriel]

If someone is not insured, not my problem. I am comprehensively insured and dont have to be too concerned with the other parties side of things. Their choice and they have to live with that decision.
When I had my accident, the guilty party asked what she had to do, my reply was that I was going to ring my insurance company..... (This is of course after the police had attended and taken statements from all parties)
The reason I said I didnt have to be TOO concerned about the other party, I was obligated to turn up to the disputes tribunal to assist the insurance company in getting a ruling.

[davereid]

.. I am comprehensively insured and dont have to be too concerned with the other parties side of things. ...

Even if you are only third party insured, as long as you can identify the at-fault party your insurer will pay to repair your vehicle.

Thats why I dont support compulsory third party. As I have it, I dont care if the other chap does not. But if it is compulsory, it will be expensive.

A sleeping dog best left asleep IMHO.

[scumdog]

Even if you are only third party insured, as long as you can identify the at-fault party your insurer will pay to repair your vehicle.
.

News to me.

I have been labouring under the impression that:
If you are 3rd party insured and if somebody else was a fault and crashed into you and they were not insured it was bad luck for you...

[FJRider]

News to me.

I have been labouring under the impression that:
If you are 3rd party insured and if somebody else was a fault and crashed into you and they were not insured it was bad luck for you...

News to me too ...

According to Google ...

Third-party insurance ... Definition

Liability insurance purchased by an insured (the first party) from an insurer (the second party) for protection against the claims of another (the third) party. The first party is responsible for its own damages or losses whether caused by itself or the third party.

[Hanne]

Recently been trying to convince a friend of mine she needs to get insurance (her parents used to insure her car and now she reckons it's too expensive). Sent her the link to post 1 to have think about...

My sisters and I were not to go anywhere near our own vehicles until we had insured them and even though mum and dad are not the bosses anymore, that is one lesson that has stuck (especially after my sister's incident with brake/accelerator confusion and a little old lady's car that ended up resembling a milk bottle put out for recycling)

[hellokitty]

Recently been trying to convince a friend of mine she needs to get insurance (her parents used to insure her car and now she reckons it's too expensive). Sent her the link to post 1 to have think about...

My sisters and I were not to go anywhere near our own vehicles until we had insured them and even though mum and dad are not the bosses anymore, that is one lesson that has stuck (especially after my sister's incident with brake/accelerator confusion and a little old lady's car that ended up resembling a milk bottle put out for recycling)

That is something that my parents insisted on as well, and is a good habit to get into. I have always been insured, even if it was only 3rd party insurance at times.

[baptist]

I think the only valid argument is the insane prices when it becomes compulsory, look at the U.K.

So true, my nephew has just got his full car licence in the UK and the isurance he has to pay for a 1.2L is criminal it really is, but I still believe 3rd Party should be compulsory for all road users.


"When I was a lad" your annual rego had third-party insurance built into it, part of the cost of your rego was for the 3rd party ins.

One of our forward thinking governments decided to cancel that idea - but kept the money anyway...

As a POM I didn't know that, a good idea but as you point out another thing to be screwed up by Politicians.


I was a very un natural mother, not only did my kids cars have to be insured, they had to have the current excess in their bank accounts at all time, just in case :D
:clap::clap::clap: good for you.

[davereid]

News to me.

I have been labouring under the impression that:
If you are 3rd party insured and if somebody else was a fault and crashed into you and they were not insured it was bad luck for you...

No, thats not correct.

Most companies include cover for your vehicle if the other driver is at fault and you can identify them.

The amount of cover you get varies with the insurance company.

Via my insurance broker, I get market value.
AMI offer $3000.
AA is $4000.

AMIs policy document showing how it works is here :

http://www.ami.co.nz/Documents/Policy%20documents/AMI%20Third%20Party%20Fire%20and%20Theft%20Vehicle %20Policy.pdf

The bottom line is, that we have a great and low cost third party insurance system.

As long as YOU have negotiated the level of cover YOU need then you don't worry about the other chap.

And even if he is fully insured, whats the bet relying on his insurance will let you down ? He may be drunk, or unlicensed or operating outside the terms of his licence. and the claim will be declined.

So you will still end up reliant on the cover you purchased.

[Aristocat]

Completely agree Spud. People need to get their head around the consequences - before they have a massive bill. Young lady next door to me knocked my steed over in my driveway - she was uninsured. Also guilty of underestimating the repair costs of a bike being knocked over; now she's paying it off to my insurance company. Not a big deal for me other than I had no bike for December while we waited for paintwork etc; but (like you) I can't help but think that 3rd party starts to look real cheap real fast.

Unselfishly - glad to hear you're OK; hope you got your subsequent transport sorted out.

And selfishly - I'm glad you'd already unloaded my gear in Feilding - cheers dude :)

[Indiana_Jones]

News to me.

I have been labouring under the impression that:
If you are 3rd party insured and if somebody else was a fault and crashed into you and they were not insured it was bad luck for you...

I got hit by a drunk prick running a red and then did a runner.

I didn't get a cent from my 3rd party and his insurance wouldn't pay as he was drunk. Got told I'd have to drag it through the courts. Couldn't be shagged for the sake of a tired FXR150 so just flicked it off.

-Indy

[Indiana_Jones]

No, thats not correct.

Most companies include cover for your vehicle if the other driver is at fault and you can identify them.

Oh yeah, the chick on the phone at AMI told me that was only for cars....:facepalm:

Then again this was like 5 years ago now

-Indy

[HenryDorsetCase]

I got TP F T on a $2000 scroter (Suzuki AN125) for ~$13/mo

why does it cost more to register the fucker than to insure it?

why does it cost more to register it than put fucking petrol in it?

Why Jebus, why??

[HenryDorsetCase]

No, thats not correct.

Most companies include cover for your vehicle if the other driver is at fault and you can identify them.

The amount of cover you get varies with the insurance company.

Via my insurance broker, I get market value.
AMI offer $3000.
AA is $4000.

AMIs policy document showing how it works is here :

http://www.ami.co.nz/Documents/Policy%20documents/AMI%20Third%20Party%20Fire%20and%20Theft%20Vehicle %20Policy.pdf

The bottom line is, that we have a great and low cost third party insurance system.

As long as YOU have negotiated the level of cover YOU need then you don't worry about the other chap.

And even if he is fully insured, whats the bet relying on his insurance will let you down ? He may be drunk, or unlicensed or operating outside the terms of his licence. and the claim will be declined.

So you will still end up reliant on the cover you purchased.

Lawks a lordy, I had not even considered that. but you are of course right.

[Kickaha]

I got TP F T on a $2000 scroter (Suzuki AN125) for ~$13/mo

why does it cost more to register the fucker than to insure it?

why does it cost more to register it than put fucking petrol in it?

Why Jebus, why??

It's Gods way of telling you "DON'T FUCKING RIDE SCOOTERS"

[superman]

As a 19 year old male my 2L car costs me $170 3rd Party, and bike 3rd party $47. It's cheap as chips! (Though mine's with a no-claims bonus due to never crashing :P).

[Hanne]

As a 19 year old male my 2L car costs me $170 3rd Party, and bike 3rd party $47. It's cheap as chips! (Though mine's with a no-claims bonus due to never crashing :P).

Yeah, $4 month on our old GN250, 3rd party, fire and theft...

[Bullitt]

I had an uninsured driver do a 3 point turn in front of me on my Thruxton. Ended up with me hitting the car and the bike ended on its side without hitting the car.

Still the cost was $6,000 + $900 for the cellphone that was in my pocket where I hit the car.

AMI sorted out my bill at motorad then chased him for the money which he didnt have so was I supposed to be a witness at disputes tribual (he admitted he was 100% at fault but disputed the cost of fixing it) till he settled at the last minute.

As somone driving a 25 yo BMW with no insurance I'm sure the $7000 bill is gonna impact him for a long time.

I just dont understand why anyone would risk not having at least third party.

[Hanne]

Well we managed to convince my friend to buy third party.
The insurance company didn't make it easy though! They were asking questions like 'why do you want to get insurance'?
Ummm... When the call centre operator asks that I think it is good to reply 'well, why do you try to sell it?'
The call centre operator didn't think so though.
It took 3 phone calls to finally buy the cover ><

[varminter]

Third party, I'm still waiting to get invited to the first two.