Why bother with insurance?

[YellowDog]

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.

This is a pretty good idea. If you own 5 bikes, one policy to allow you to ride them all (one at a time). The only thing here is what about theft from your garage?

Maybe the houshold policy could be adapted to cover this.

[CookMySock]

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

Thank you mr goody-goody. There's more too where that came from.. the really dirty sort.. you know, the naughty-girlie sort too..

Steve

[JimO]

Take this as a warning - keep the fuck away from my sister.

i would be more worried about your dog

[steve_t]

LOL at how quickly threads degenerate to personal attacks these days

[XxKiTtiExX]

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.

You really are Dangerous

[bsasuper]

Bike waiting at lights, lexus ls400 in front(this was 15yrs ago), car behind fails to stop and I get shunted into lexus, lexus insurance comes after me, $2000 damage and it was only a bumper.

[Brett]

If YOU owned that car, would YOU insure it? You would? So then whats the problem? You're covered! It doesn't have to be insured twice.

This is the thing that people are ignoring. Who is the safer rider? Insured, or non-insured. Think about it.

Steve

Nevermind that the insurance company will come after you, the perpetrator for repatriation of of monies......
Owner of car is covered, but uninsured party can end up having to pay costs still.

[Brett]

Haha, boo fucken hoo.

Go tell your mommy on me. wahhhhhh.. LOL. Fags.

Steve

Do you not comprehend the facts in this area or do you just not care Steve?I can think of many ways a biker can have an accident that would run them up a huge bill where the insurance company would come after them and get their money back...right up until the point of bankrupting them if need be...but then it isn't much concern of mine, I am insured so themost I have to risk is some drop kick who is not insured damaging my property and I have to pay an excess.

Don't try pedal bullshit here...

Edit....Steve, I don't know how you can approach something so unethically. I even finding myself able to agree with Katmans comments which I don't do all that often.

[DarkLord]

I have full insurance and wouldn't ride without it.

When I wrote my first bike off, the car it hit was extensively damaged, as well as $11,700 worth of damage to my bike. I was still paying it off, and now had finance owing, and no bike, but I at least got somewhat of a payout so I was able to get back on the road. If it wasn't for insurance, I would have had finance owing, no bike and a hefty bill for the poor bastard's car coming in the other direction.

So yeah. I wouldn't ride without it, if I were you. Regardless of what kind of bike you have or how much it is worth.

[bsasuper]

Its not just other vechicle's that get damaged, speed camera vans have been damaged with a bill of $100,000+

[The Pastor]

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.

you're an idiot, they will not be forced off the road by insurance. It simply wont happen, so by advocating 3rd party under law, the only thing you are going to achieve is making life way harder for the good people in nz, forgot to pay ur insurance? now you cant drive to work....

[bsasuper]

forget to pay insurance?, are these the same people who forget to pay rego, get a wof, forget where they live?

[short-circuit]

Take this as a warning - keep the fuck away from my sister.

She'll be safe from DB as long as she's over 14

[The Pastor]

forget to pay insurance?, are these the same people who forget to pay rego, get a wof, forget where they live?

alright mr got it made, what if you loose your job, should you then lose the right to drive?


why would anyone want an option for more tickets?

[rapid van cleef]

anyone that takes to the roads without insurance to cover damage to other people and their property should be shot. they do not deserve the right to be on any road. a motor vehicle whatever the power is a dangerous thing in the wrong set of circumstances. would you buy a 300K house and not insure it against loss due to fire/ etc? so we must take out insuance to cover other peoples loss if an accident or other incident causes missfortune to happen to another party on the roads. bring on compulsory 3rd party insurance. if someone crashed into me or my wife n kids without insurance, and caused our vehicles, or them harm, i would go to the ends of the earth to reap my revenge upon them! cant afford insurance?.tough shit.dont drive / ride