Why bother with insurance?

[jetboy]

http://www.icnz.org.nz/consumer/purchasing.php

[dipshit]

You would if you are a dangerous bastard.

Or an fucking arrogant arsehole.

[Owl]

So lets say you hit a brand new 7 Series BMW, or a Porsche or such even just enough to dent the door...do you have ANY idea how much you will have to pay to replace that door? Even just to get it repaired and repainted (remembering it is a prestige vehicle...now lets imagine you hit the front panel somewhere and set off the airbags...can you imagine THAT bill?

Too bloody right Brett and to give you some idea of airbags: BMW X5 "door trim with airbags" $7000.

That particular job totalled over $20,000 for a wheel, LF guard, LF door, door trim, panel and paint. Very minor really!

[CookMySock]

Or an fucking arrogant arsehole.

BAHAHA. You see, now you are starting to get it. The world DOESN'T OWE YOU JACK SHIT BRO!

So if someone crashes into your bike (their fault) you would expect them to pay for your damage. But if you crash into somebody else's vehicle (your fault) you would tell them to fuck off and not pay to fix their vehicle?

YES, and YES! LOL! Slowly, slowly you start to understand. Not what your mother told you to do is it.

If you own your own home I hope for your families sake its not in your name. Run your own business too? They'll "take what they can get" alright.

Grow up. The world is bigger and meaner than your perfect view of it. Like it or not, people in business, OR trading in houses, WILL take what is yours and fucking BANK IT and spend it on what they fucking like, and they will laugh at their good fortune, and at your loss, so SHARPEN UP.

I now have full insurance because I simpy can't afford to replace the FZR if such a thing happens again.

THIS is good advice. I have precisely three things of this category, and insure them as well.

You will know what these things are, and you will know that they must be insured.

Listen, stop shooting the messenger and take a hint. Start taking what you can get, or at the very least notice that others are doing it to you, and stand up for your weak self. Society doesn't owe you shit so stop crying.

Steve

[Maki]

THIS is good advice. I have precisely three things of this category, and insure them as well.

You will know what these things are, and you will know that they must be insured.

Don't have a clue what those things are. One thing I do know is that your brain is not one of them.

[The Pastor]

Bring on compulsory 3rd party i say. Too many losers and arseholes in NZ to not to.

Sigh,

You sir are a class a moron, I wont go as far as to call you an idiot, it is clear that you suffer from "notthinkingbeforeyoupost syndrome"

Compulsory insurance - what is it going to achieve?

I'll tell you, on account of your moronism I'd wager that you wouldn't figure it out yourself.

What are the reasons people don't have insurance (we are talking about 3rd party only here, calm down)?

Declined by insurance
Can't afford insurance
are doing something illegal (no wof rego drinking etc)

Now if compulsory insurance was brought in, how exactly would it help? compulsory insurance companies are not going to pay out if the driver was doing something against the law.

So chances are the person who would currently not have insurance (AND NOT BE ABLE TO PAY) would be the same person who would drive/ride around without insurance if it were law.

So basically there is VERY LITTLE BENEFIT for having compulsory 3rd party.

So what are the bad points of new laws?

Firstly it'd be illegal for your mate to drive your car if you didn't get him on the list - doesn't sound so bad, but what happens if you for some unexpected reason cant drive and your mate has to come pick you up to take you home? Suddenly he is illegally driving.

Secondly, what happens when something traffic related becomes law? They introduce Tickets. Why would anyone obey a mindless law if there were no consequences? So if you were driving your mates car/bike for them and went through a checkpoint, hello demerits/fine.

Thirdly, you can fuck off trying to tell me how to live my life.

[YellowDog]

I really dislike this type of argument. Using this logic you should be paying for volcano insurance, terrorism insurance, leaky home insurance, bad hair day insurance ad infinitum.

Wouldn't it be difficult to cause that much damage to a car while riding a smallish bike?
Also, if I caused that much damage I'd probably be dead

I do see your side of the argument though which is "at least get 3rd party dude!".

Getting screwed is not nice. Without insurance, you may well get fucked beyond any recovery for the rest if your life.

Best not to risk it.

NZ is the only developed country I am aware of where insurance is not compulsory. I doubt if this will be the case for long.

Insurance will soon be part of the cost of owning a motor vehicle.

If you can't afford to insure it - you can't ride/drive it.

IMO - Good thing.

[dipshit]

I do know is that your brain is not one of them.

Remember he is one of these people that ride around with a HID headlight on high beam all day long because he doesn't give a flying fuck about anybody else. He's obviously a very arrogant and self-centred human.

[dipshit]

Compulsory insurance - what is it going to achieve?

All the losers and arseholes in NZ that keep doing stupid and dumb shit on our roads will price themselves out of insurance cover and be no longer able to be on the rods. Win win.

[HenryDorsetCase]

All the losers and arseholes in NZ that keep doing stupid and dumb shit on our roads will price themselves out of insurance cover and be no longer able to be on the rods. Win win.

they're the people who dont have registration or warrants and rack up thousands of $ in fines already: lack of insurance won't stop them doing the dumb shit they've always done. Contraceptives in the water to stop them breeding the next generation is the best bet.

[YellowDog]

And by the way, there are so many KB threads about stolen bikes and bikers losing their investments with no cash to buy another.

Having insurance would help to address this problem.

[dipshit]

they're the people who dont have registration or warrants and rack up thousands of $ in fines already: lack of insurance won't stop them doing the dumb shit they've always done.

Whatever. Losers digging themselves deeper and deeper into the shit works for me too.

[Mom]

For all those people that dont have some form of 3rd party cover on their bikes, good luck to you! May you never have an accident and cause damage to someone elses property that is insured.

Sure they will get the damaged repaired, but I can assure you that their insurance company will not just pay the money out and not come looked for reimbursement.

Forget vehicle damage too here for a moment, your vehicle can do an immense amount of costly damage to just about anything it hits (so can your body btw). Best you have a personal liability policy (sometimes covered under your contents, but can be purchased seperately) for a very reasonable cost.

I would not allow my kids to drive anything without a 3rd party cover, that included no driving a mates vehicle either. Once they are big enough to not be legally my responsibility they can do what they will and take the consequences as a result. I would never consider selling my home to bail out one of my kids who got in the shit for no insurance.

Each to their own though. I have some comprehensive insurance cover on vehicles, I have some 3rd party cover too. Read into that what you will.

[lanci]

Why not insure drivers as well as cars? If you are actively driving then insurance is mandatory (random police checks to pick up).

i.e.) I am insured to drive anything for a premium of $X and excess is determined by vehicle involved in accident. So a V8 will cost me $600 excess and a 1.3L I4 will cost me $150 etc etc. If accidents are to be had, then your premiums go up and certain vehicles are off limit.

[Katman]

BAHAHA. You see, now you are starting to get it. The world DOESN'T OWE YOU JACK SHIT BRO!

YES, and YES! LOL! Slowly, slowly you start to understand. Not what your mother told you to do is it.

Grow up. The world is bigger and meaner than your perfect view of it. Like it or not, people in business, OR trading in houses, WILL take what is yours and fucking BANK IT and spend it on what they fucking like, and they will laugh at their good fortune, and at your loss, so SHARPEN UP.

THIS is good advice. I have precisely three things of this category, and insure them as well.

You will know what these things are, and you will know that they must be insured.

Listen, stop shooting the messenger and take a hint. Start taking what you can get, or at the very least notice that others are doing it to you, and stand up for your weak self. Society doesn't owe you shit so stop crying.

Steve

You would be, without a doubt, the most morally repugnant twat to ever pollute this site.