Great Idea
Bad Idea
Hardcore Biker
I have lived in a few compulsory insurance nations, and it just costs EVERYONE more, alot more, if it less than triples I will be suprised. The irresponsible ones are going to be even worse, insurance companies will increase there take 10 fold.
We have a pop of only 4 million, theres going to be no competition, Just like it costs a fortune here for cell phone use.
We are screwed.
In the riders seat
Yes it is cheap at the moment but do you really think that will stay the same when it is made compulsory?Originally Posted by YellowDog
They may be ineligble for driving but that doesn't mean they wont drive
"If you can make black marks on a straight from the time you turn out of a corner until the braking point of the next turn, then you have enough power."
Hardcore Biker
[QUOTE=Ixion;1518980]No. They don't. Insurance companies use a thing called "knock for knock". what that means is that if you report that you've been in a crash, they don't care or consider if you were at fault, or the other party, If both are insured, your insurance covers your repairs, his insurance covers his. They don't even try to decide who is at fault. You lose your no claims bonus and your premium goes up, because you made a claim. So does his (if he makes a claim) .
Not with my insurance, if I'm not at fault I don't lose no claim bonus premium doesn't go up.
How will you feel when an uninsured hits you and either refuses to pay up or drip feeds at $5/week
L-Plate Rider
Yeah but in the UK they dont have 15 year olds driving high performance cars. Been there and had to pay high prices but also acts as a deterrent to drive safer or risk not getting insurance next time, bloody great idea, i just dont understand why it has taken so long to get this through law.
BogOff-Cant you see I'm busy?
Well maybe I've called this one the wrong way regarding insurance prices. I hope I haven't.
Logic and market forces says the prices should go down however if this is a 'screw you' market, then it may be a problem. With ACC being in place, the actual cover provided and risk to the insurers is small compared with other countries.
In the case of Motorcyclists, the number one problem is damage to the riders, which is covered by ACC.
Damaging our own bikes is a risk that many accept and this would not change with compusory third party insurance, so I can see why being forced to have insurance would be a pisser and of minimal benefit to some.
How about:
Insurance for cars = Compulsory
Insurance for Motobikes = Optional
Anyone interested in starting a lobby group?
“PHEW.....JUST MADE IT............................. UP"
Deus ex ukulele
Given the concerns some have about affordability versus compliance, one wonders whether North Korea or the former USSR had compulsory third-party insurance?
"Standing on your mother's corpse you told me that you'd wait forever." [Bryan Adams: Summer of 69]
Keep out of Direct Sunlight
Come on, all or none, lets not start excluding people depending on what they drive/ride. Next they will be limiting the power of bikes for learners
Should we add:
Insurance for Trucks = Optional (not as many crash compared to cars, lets ignore the cost of when they do)
Insurance for mopeds = Compulsory ($1000 moped hits a $50,000 car)
I finally got my knee down! …and my shoulder …and my pillion’s head.
One, two free, floor!
Here's my prediction.
Those not wanting insurance don't give a toss, don't get it and drive uninsured. If getting a WoF means you need to be insured (per the UK system, as I understand it) then theuy drive without a WoF too (*gasp* - law breakers!)
They drive and hit someone
They get charged with a number of offences including no insurance which carries a fine
The fine of $100 comes out of their coffers ahead of any reparations awarded to the poor sod they hit... so instead of struggling to pay for the damage done, they're now $100 poorer before they start paying for the damage done.
The bad guy goes broke (or hides their money) per usual
The victim is $100 worse off.
Yeah - sounds like a GREAT idea to me... NOT
$2,000 cash if you find a buyer for my house, kumeuhouseforsale@straightshooters.co.nz for details
The 2nd-most bad arse KBer.
This thread is full of idiots.
looks like i'll fit in.
it aint going to "solve" shit.
Then I could get a Kb Tshirt, move to Timaru and become a full time crossdressing faggot
Hardcore Biker
No, that's not what i am saying at all. I have always had insurance for any vehicle or bike that i have operated on the road as i consider it to be my responsability to do so and it should also apply to all road users. Just having your own insurance does'nt cover all the inconvenience of an incident or accident. Being without your vehicle while it is being repaired, having to fork out for a rental vehicle if required and losing your no claims bonus and having your premiums increased because the un-insured party that caused the accident now decides to change his story of the events and you end up carrying the consequences yourself.
If you have ever experienced this situation yourself then you will understand where i am coming from in supporting compulsory insurance with third party being the minimum level.
Who supplies this insurance is another matter and i would prefer that Govt did not do it but left us to make our own choices on who we choose.
Hardcore Biker
You have it spot on.
Forum whore
Some insurers don't deduct a NCB after a claim. AA will give you a permanent no claims bonus. It comes to the same thing, they just load the price up up front. They still do knock for knock.
As to an uninsured hitting me, if anyone hits me, property damage is going to be WAY down my list of worries. I ride on the principle that if I crash, I'll die. So I make it my job to make sure that no-one DOES hit me.
If you manage to hit me, more fool me for letting you have the chance.
One invidious aspect of compulsary insurance is that it reinforces the mindset (so widely prevalent and defended on KB) that crashing is a normal thing, that it happens, there is nothing you can do about it, it's someone else's fault. As exemplified by your question. And if everyone has insurqance, why, there's nothing to be bothered about at all inc rashing, is there. The magic gear will make it certain that you won't be injured at all. And the insurance will fix everything up.
I do not accept that mindset and I make it my job to ensure that I don't crash (or let anyone else hit me). So far it's worked for over 40 years.
L-Plate Rider
unless there's a set fee to follow or the government govern the insurance fee... it will be a bad bad idea....look at the insurance cost in UK or any other country where 3rd party is compulsory
Hardcore Biker
...means I can get a decent bike 3 times as fast then eh?
Forum whore
This is really the crux of the problem. Day after day, you hear on the news that the driver involved in an accident, esp. causing injury or death, was unlicenced, disqualified or driving outside their licence conditions - in a car that is stolen, illegal, unreg/WOF - driving drunk/drugged - excessive speed - in other words, breaking about every law in the book!
Those who need it most, are those who couldn't care less about the law and will not obey the law. They certainly won't cough up for insurance!
You don't get to be an old dog without learning a few tricks.
Shorai Powersports batteries are very trick!
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