It's soooooo unfair (sniffle)

[GrayWolf]

I think that picture said you are just trying to hide from the facts... didn't see any sensible (or even typical) response from you.

because sometimes it is apparent that you will come across one who will refuse to accept there is another side to an arguement. (All i see is a typical entrenched response from you)...... What the cost difference between your 3rd party insurance and a fully comprehensive is,, the value of your bike is a factor in fully comp. In your case? a $4000 payment would all but replace your BMW, it certainly isnt going to replace my MT, is it?
There can be arguement for and against compulsory insurance, at the end of the day I support it, I came from a place where it has been in force for many decades. Basicaly it works, and the incidents of non compliance? I would suspect has risen in correlation to unemployment and/or low income. To be honest? I have seen youngsters on the rock n roll with cars valued at higher costs than they can reasonably expect to afford (running costs etc). Maybe I am an old F**Ker? Society has become an "I want the best' now and I wont settle for crap".. so Joe blo on the benifit has a smoking old mitsi glx etc?? Nah more likely a bloody decent looking car that he's paying off on our taxes. Then cant afford full maintanance etc.. so the vehicle degenerates and becomes a liability over a few years....
I'll stand by wanting compulsory car insurance, as equaly as you will stand against it......

[scumdog]

I can't imagine why anyone would want compulsory third party insurance.

(1) If you have 3rd party insurance in NZ, it includes first party cover.
If compulsory insurance comes in we will lose this neat system. And the number of people with insurance in NZs voluntary system is as high as in countries with compulsory cover.

(2) If you have 3rd party insurance in NZ, it includes first party cover.
So why worry about the other guys insurance ? If you have cover you are insured even if he is not.

.

So why is there the need/want for anything OTHER than 3rd party insurance?

[davereid]

which means that with a compulsory and lets add the UK, legal requirement.. those 'dropkicks' are going to be found eventualy and 'removed'... ...

At what cost ?

If you want insurance go and get it.

As I have already shown, for modest cost you can buy third party insurance, and you are covered against those dropkicks.

You dont need to worry if they are insured as long as you are.

What would my BMW cost to insure under the British CTP scheme you clearly love ?

No pictures please, adults can read, use a number you can backup.

[Drew]

This thread used to be cool.

Fuck you Scummy and Rastus!

[davereid]

So why is there the need/want for anything OTHER than 3rd party insurance?

Because the reason for your crash may not involve another driver, so so you may wish to cover yourself. Or you may need more than the $3-4k cover you get. If you cant identify the other driver you are also not covered, but of course thats the same for compulsory cover.

[scumdog]

Because the reason for your crash may not involve another driver, so so you may wish to cover yourself. Or you may need more than the $3-4k cover you get. If you cant identify the other driver you are also not covered, but of course thats the same for compulsory cover.

Then I'll stick with my type of insurance, don't cost me much.

No worries and had five windscreens for 0$$$

[davereid]

because sometimes it is apparent that you will come across one who will refuse to accept there is another side to an arguement. (All i see is a typical entrenched response from you)...... What the cost difference between your 3rd party insurance and a fully comprehensive is,, the value of your bike is a factor in fully comp. In your case? a $4000 payment would all but replace your BMW, it certainly isnt going to replace my MT, is it?
There can be arguement for and against compulsory insurance, at the end of the day I support it, I came from a place where it has been in force for many decades. Basicaly it works, and the incidents of non compliance? I would suspect has risen in correlation to unemployment and/or low income. To be honest? I have seen youngsters on the rock n roll with cars valued at higher costs than they can reasonably expect to afford (running costs etc). Maybe I am an old F**Ker? Society has become an "I want the best' now and I wont settle for crap".. so Joe blo on the benifit has a smoking old mitsi glx etc?? Nah more likely a bloody decent looking car that he's paying off on our taxes. Then cant afford full maintanance etc.. so the vehicle degenerates and becomes a liability over a few years....
I'll stand by wanting compulsory car insurance, as equaly as you will stand against it......

If you want to ride your MT relying only on the third party cover of the other person, thats your choice. But making it compulsory for him to have it wont improve you odds, as on average he is as likely to have it in NZ as in the UK.

So, in NZ simply buying 3rd party gives you $3-4K of protection against him you did not have in UK. Buy better insurance if you want it same as you would have in UK.

[GrayWolf]

I'm sorry, I think you'll find these dropkicks still on the road in the UK, compulsory insurance does nothing except raise prices.
As for ACC, separate issue & I'm quite happy to subsidize everyone under the original workings. I'm not happy with the privatization scheme its currently working under

i wont disagree there are dropkicks on the road without insurance there...but,,, the car crusher removes said offenders vehicle quite effectively! I would also admit that the level of traffic over there could indeed make playing that 'numbers game' more favourable than here, hence the invention of number plate recognition systems. Compulsory insurance may increase the prices.. but then there will be age factor, experience, type of vehicle that will also 'dictate' the insurance bracket for your premium. So the young 20yr old with a 1000cc? is going to pay through the nostrils, often it will effectively price them out of the market to purchase the machine. Would you consider that a bad thing?
It would also mean those with Holden/Ford V8 FPV/HSV's are going to be 'tolled' at a higher premium. lets cut through the shit and be realistic... under the present regieme here,,, a 20yr old can buy and run a tuned Evo/WRX which is capable of 250kph+ and acceleration equal or even superior to a mid sized sprot bike. Or, just own one of said 600cc+ sprot bikes without any form of accident cover. Is that really what you would call an acceptable and realistic scenario? if it was you whose car/bike was totalled by one and neither of you have insurance? Who is going to pay for your vehicle? Who will replace your pride and joy at $5 a week, after the long wait for a court hearing?
Thats the 'cost' of insurance I guess, and its a choice at present whether you take it.

[scumdog]

If you want to ride your MT relying only on the third party cover of the other person, thats your choice. But making it compulsory for him to have it wont improve you odds, as on average he is as likely to have it in NZ as in the UK.

So, in NZ simply buying 3rd party gives you $3-4K of protection against him you did not have in UK. Buy better insurance if you want it same as you would have in UK.

4K?
If the air-bags go off you won't be fixing it.

Only good if you have an old shitter....

[GrayWolf]

If you want to ride your MT relying only on the third party cover of the other person, thats your choice. But making it compulsory for him to have it wont improve you odds, as on average he is as likely to have it in NZ as in the UK.

So, in NZ simply buying 3rd party gives you $3-4K of protection against him you did not have in UK. Buy better insurance if you want it same as you would have in UK.

HUH?? where did you come to that conclusion? I certainly do not rely on the 'other's' 3rd party insurance. You are quite correct in your statement it protects me from the dropkick, it protects me from something beyond my control, my cover protects me from 'me' as well. I am content to pay that 'price' for the peice of mind it brings me, just as you are content to ride your BMW and have the level of cover you have. I am pretty damn sure though, if you had an $18,000 bike in your damend garage, you would not be sitting there espousing how good the 3rd party, $4000 uninsured driver cover you currently have is.
I could be wrong on that, you may be one of those with no household insurance either. After all what is the statistical probability you will actualy need to use it? Likely to be a lower risk than a claim for an accident on your motorcycle. I havent claimed on my insurance for over 15 yrs, last time was due to the bike being knocked over in a parking area. 3rd party would not have been a lot of help there, no one was around to take responsibility or to 'finger' as the culprit.

[Scuba_Steve]

i wont disagree there are dropkicks on the road without insurance there...but,,, the car crusher removes said offenders vehicle quite effectively! I would also admit that the level of traffic over there could indeed make playing that 'numbers game' more favourable than here, hence the invention of number plate recognition systems. Compulsory insurance may increase the prices.. but then there will be age factor, experience, type of vehicle that will also 'dictate' the insurance bracket for your premium. So the young 20yr old with a 1000cc? is going to pay through the nostrils, often it will effectively price them out of the market to purchase the machine. Would you consider that a bad thing?
It would also mean those with Holden/Ford V8 FPV/HSV's are going to be 'tolled' at a higher premium. lets cut through the shit and be realistic... under the present regieme here,,, a 20yr old can buy and run a tuned Evo/WRX which is capable of 250kph+ and acceleration equal or even superior to a mid sized sprot bike. Or, just own one of said 600cc+ sprot bikes without any form of accident cover. Is that really what you would call an acceptable and realistic scenario? if it was you whose car/bike was totalled by one and neither of you have insurance? Who is going to pay for your vehicle? Who will replace your pride and joy at $5 a week, after the long wait for a court hearing?
Thats the 'cost' of insurance I guess, and its a choice at present whether you take it.

I would rather be left with the choice of affordable insurance cover then be forced to pay unaffordable insurance cover I would rather pay 500 for full cover than 1500 for 3rd party alone I would rather have 20yr olds on the road then not, I would like freedom of choice when it comes to vehicles.
If you want restrictions I hear theres already a country offering these, maybee you should move there?

[GrayWolf]

I would rather be left with the choice of affordable insurance cover then be forced to pay unaffordable insurance cover I would rather pay 500 for full cover than 1500 for 3rd party alone I would rather have 20yr olds on the road then not, I would like freedom of choice when it comes to vehicles.
If you want restrictions I hear theres already a country offering these, maybee you should move there?

This really does explain why NZ drivers are such arrogant assholes on the road....... I give up!

[Kickaha]

This thread used to be cool.

Fuck you Scummy and Rastus!

Not their fault every other cunt decided to turn it into an insurance thread but being donut munchers they probably deserve a big "fuck you" anyway

(lucky I aint heading south anytime soon and hopefully Rastus doesn't know what I drive)

[merv]

Scummy and Rastus seem like OK cops to me, and then there was that other bloke we don't seem to hear from these days - spudchucker - whatever happened to him?

[MSTRS:Me]

Scummy and Rastus seem like OK cops to me, and then there was that other bloke we don't seem to hear from these days - spudchucker - whatever happened to him?

Oh - he's still here. He must have been an intelligence/attitude transplant donor though. Goes by another login now...
Nodman and Dynamytus were good value too. As was Patrick.