Nosey people!

[Spyke]

i wish that people would just think before stiking there nose into other peoples things, would the guy like it if i came and told him that his pool fence was ten centermeters too short and that he would have to raise it or i would ring the council and then the council would tell him he has to raise it or they would drain his pool for the safety of the children that could get over the fence and drown.

[SwanTiger]

yea i can just see your post ......some prick totaled my bike today and he doesnt have insurance buts thats ok because....the present time is the only thing you will ever own, not the past or the future.

GOOD LUCK WITH THAT

Okay Mr. Old Grumpy Fart (actually, you're more the perfect example of what same would call "The Joneses") you took my post a little too seriously, but who really cares!

If you think insurance can put an honest value on your life, if I came to you in person and offered you $10 million dollars in cash, after tax, in exchange for your entire life, everything you currently own, house, vehicles, personal items, etc. All you have to do is walk away with your family and the clothes on your back $10 million richer. Would you do it?

You see I couldn't do that, because I don't put a monetary value on anything personal and to me insurance does that. It has it's application in some business scenarios however personally, the best approach is to financially secure yourself instead of using a scam (insurance) to sooth and calm your insecurities.

Anyway, keep your opinion(s), looks like they're all you'll ever own.

[JimO]

Okay Mr. Old Grumpy Fart (actually, you're more the perfect example of what same would call "The Joneses") you took my post a little too seriously, but who really cares!

If you think insurance can put an honest value on your life, if I came to you in person and offered you $10 million dollars in cash, after tax, in exchange for your entire life, everything you currently own, house, vehicles, personal items, etc. All you have to do is walk away with your family and the clothes on your back $10 million richer. Would you do it?

You see I couldn't do that, because I don't put a monetary value on anything personal and to me insurance does that. It has it's application in some business scenarios however personally, the best approach is to financially secure yourself instead of using a scam (insurance) to sooth and calm your insecurities.

Anyway, keep your opinion(s), looks like they're all you'll ever own.

what ever spins your wheels chum................P

[Ixion]

I make it my business to make sure that no-one DOES total my bike. And that I do not damage their cars etc.

So far, it's worked well for nearly half a century.

If it should fail in the future (sometimes shit happens no matter what you do), the accumulated half century of premiums saved will amply cover any probably expense. And leave a good bit to spare.

You are also assuming that "having insurance" means a certainty of reimbursment. My observation is that this is far from certain. Insurance companies are the biggest crooks unhung. They will wriggle out of their liabilitieswhenever possible.

[JimO]

i wish that people would just think before stiking there nose into other peoples things, would the guy like it if i came and told him that his pool fence was ten centermeters too short and that he would have to raise it or i would ring the council and then the council would tell him he has to raise it or they would drain his pool for the safety of the children that could get over the fence and drown.

the difference is the pool is on his property, you were riding on a public street you and mr swantiger desirve each other so when you run into his bike/car he will have himself covered because he doesnt need the insurance companys scamming him, because he is far to clever for that

[JimO]

I make it my business to make sure that no-one DOES total my bike. And that I do not damage their cars etc.

So far, it's worked well for nearly half a century.
If it should fail in the future (sometimes shit happens no matter what you do), the accumulated half century of premiums saved will amply cover any probably expense. And leave a good bit to spare.

You are also assuming that "having insurance" means a certainty of reimbursment. My observation is that this is far from certain. Insurance companies are the biggest crooks unhung. They will wriggle out of their liabilitieswhenever possible.

thats great for you but you Tbone a new merc the damage could easy run to 30 grand have you got that put aside??
i have never had a problem with insurance companys, but that may be just me, recently i have done some work on a firedamaged house, the owners put hot ashes into the wheelie bin and that set the garage and side of the house on fire total damage around 90 grand, the owners would be in their 40s and have probably been paying house insurance for perhaps 20 years how much in premium would they have paid ??? enough to repair the house ...doubt it

[Wasp]

i wish that people would just think before stiking there nose into other peoples things, would the guy like it if i came and told him that his pool fence was ten centermeters too short and that he would have to raise it or i would ring the council and then the council would tell him he has to raise it or they would drain his pool for the safety of the children that could get over the fence and drown.

if his fence is indeed 10cm too short then go for it, wankers like him need a taste of their own medicine - if not find something else

failing that make a complaint and get noise control to go knock on his door and wake him up at 3am

[Madness]

Rip up his lawn, knobblies are best, Be sure to do it in the middle of the night whilst he's sleeping & don't allow yourself to be identified.

Old bastards like him love their lawns, aye Jimjim?

[SwanTiger]

what ever spins your wheels chum................P

Ixion has established a very valid point.

I own a number of vehicles and have done so over the years, none have been insured. I estimate I've saved between $15,000 and $20,000 in insurance so far.

I spend between 30 and 40 hours solid on the road each week and have had my license for approximately three years.

So yes, my wheels are spinning.

[Ixion]

thats great for you but you Tbone a new merc the damage could easy run to 30 grand have you got that put aside??
i have never had a problem with insurance companys, but that may be just me, recently i have done some work on a firedamaged house, the owners put hot ashes into the wheelie bin and that set the garage and side of the house on fire total damage around 90 grand, the owners would be in their 40s and have probably been paying house insurance for perhaps 20 years how much in premium would they have paid ??? enough to repair the house ...doubt it

Which is why I DO have insurance on the house. We were talking about vehicles. A house is too big a sum for an individual to self insure. But, Housing NZ do self insure. They don't have insurance in their houses. Because they can cover the cost if the worst happens.

If the worst happened and I pranged that Merc, I could cover it. But, given that it's very unlikely to happen and even less likely that I would be liable (that's my job, to make sure I'm not), the fact that I would have saved a lot more than 30K (inflation adjusted) over the fifty years, makes it well worthwhile.

Of course, it only works if you have the self discipline necessary not to crash every year or so.

[SwanTiger]

the difference is the pool is on his property, you were riding on a public street you and mr swantiger desirve each other so when you run into his bike/car he will have himself covered because he doesnt need the insurance companys scamming him, because he is far to clever for that

Go and invest in some safe Government bonds and don't forget to button up your HIVIZ vest before you saddle your bike so you can ride down and make your monthly insurance payment.

thats great for you but you Tbone a new merc the damage could easy run to 30 grand have you got that put aside??

Most of the cars on NZ's roads are old shit heaps, the chances of SEEING a new merc let alone T-Boning one (or ANY car for that matter) are pretty slim.

Why not be original and say "T-bone a new Ferrari driven by Helen Clarks lesbian lovers sisters cousins neice".

[SwanTiger]

Anyway - each to their own.

I like your choice of bike jimjim. Some call it the poor mans Italian, but it's engineering excellence. Ask Frosty.

[ZeroIndex]

Why are there so many people that like to stick their noses in other peoples businesses.

its seems in the last five years people have got really bad at it.

the last two days i took my bucket bike (not road legal) up my street and back again (no cars down our street at midday on a weekday). because i have no other bike and i was having withdrawl symptoms from the racing on sunday.

the first day a guy at the end of the street came out and gave me the evils (scary stuff wish i had tints), then the next day he followed me home in his cage and and gave me a blasting about the fines i would get and about how i was an idiot for riding without wof and reg (man only going up and down our street), then said he would call the cops if i did it agian. (could be looking out for me or just hates bikes)

i knew if i was caught by cops they would give me a $400 fine for no rego and warrent, but only if they caught me but now hes on their side ive got no choice but to do nothing.

why do people have to be so pc and dob people in for reasons not worth while, i mean yes if i was flying down the street at 200 with no helmet on, but i would not be here to write the post anyway.

and whats it to him if my bike doesn't have a warrent, its not like im taking it out for a road trip.

so i put it to you guys why do people have to be nosy and ruin peoples fun???

If you run him over with your bike and break his jaw, he'll have a problem speaking to the police from A&E...

[JimO]

Ixion has established a very valid point.

I own a number of vehicles and have done so over the years, none have been insured. I estimate I've saved between $15,000 and $20,000 in insurance so far.

I spend between 30 and 40 hours solid on the road each week and have had my license for approximately three years.

So yes, my wheels are spinning.

wow 3 years, 30 to 40 hrs a week on the road, what a special person you are.

[JimO]

Anyway - each to their own.

I like your choice of bike jimjim. Some call it the poor mans Italian, but it's engineering excellence. Ask Frosty.

so what do you ride