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

[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