Car insurance compulsory?

[imdying]

How is severly restricting his choices making him take responsibility for them?

[Ewan Oozarmy]

Right... and when they calculate that the risk on an 18yo riding a GSF250 is $4500 per year, and it's compulsory, how are you going to feel about it then? But that'll never happen they cry!

I've been riding bikes since I was 16 and driving cars since I was 17 and I can assure you my 1st of each weren't a 50cc scooter and 850cc Mini respectively and I was no rich kid.

[Finn]

I think it's a good idea. A few years back, some punk rear ended my car and caused over 35k of damage. No insurance so I had to claim on mine. He didn't give a shit either.

[imdying]

Ahhh, good for you?

[Ocean1]

How is severly restricting his choices making him take responsibility for them?

I don't have a problem with him owning whatever he can afford. Why should everyone else subsidising his choice? Nobody's offering to help me pay the mortgage on a house I can't afford.

[Bass]

How is severly restricting his choices making him take responsibility for them?

By making him understand that if he wants his vehicle to be his toy as well, then he's gonna have to pay accordingly.

[Griff]

I'd feel that at last an 18yo was being asked to take responsibility for his choices, rather than being encouraged to expect the rest of us to. I'd hope more such initiatives might be instituted for 15yo's etc etc.

I would hope that most parent would not like having to fork out for their speeding little munchkins and buy them bus tickets instead.

That would be sweet!

[imdying]

I don't have a problem with him owning whatever he can afford. Why should everyone else subsidising his choice? Nobody's offering to help me pay the mortgage on a house I can't afford.

Can afford? I would guess that plenty of people are driving cars they 'can't afford'. The insurance, just put that on the finance... this country doesn't need compulsory insurance, it needs finance market regulation more.

[imdying]

By making him understand that if he wants his vehicle to be his toy as well, then he's gonna have to pay accordingly.

How will hocking another few k on the finance do that?

[Ewan Oozarmy]

How will hocking another few k on the finance do that?

I think the point here is only borrow what you can afford to repay. Ever noticed how much finance co. repo stuff there is available these days?

[Bass]

How will hocking another few k on the finance do that?

Isn't your argument getting a bit circular here?
On the one hand you are saying that the cost of insurance will limit his choice.
On the other hand you are saying it won't cos he will just put it on tick anyway.
Which is it to be?

[Ocean1]

Can afford? I would guess that plenty of people are driving cars they 'can't afford'. The insurance, just put that on the finance... this country doesn't need compulsory insurance, it needs finance market regulation more.

Dude you can't stop idiots spending more than they can afford, you're up against the advertising behemoth, the single largest budget on the planet.

You can, however decline to pay for that idiocy yourself. If you do this for a teenager you stand some chance that the workload involved in digging themselves out might teach ‘em somat.

Oh, and the finance regulation thing: I agree, long overdue.

[Griff]

Can afford? I would guess that plenty of people are driving cars they 'can't afford'. The insurance, just put that on the finance... this country doesn't need compulsory insurance, it needs finance market regulation more.

I think it DOES need compulsory Insurance

1. I would hope that vehicles caught without insurance should be impounded. No questions..

2. I also hope that if they opt to put their insurance on finance and drive like twats, then they will reach a level where they will be refused insurance (return to Point 1).

[imdying]

Isn't your argument getting a bit circular here?
On the one hand you are saying that the cost of insurance will limit his choice.
On the other hand you are saying it won't cos he will just put it on tick anyway.
Which is it to be?

It'll limit the choice of smart people, and not of idiots...

I think it DOES need compulsory Insurance

1. I would hope that vehicles caught without insurance should be impounded. No questions..

2. I also hope that if they opt to put their insurance on finance and drive like twats, then they will reach a level where they will be refused insurance (return to Point 1).

1. Ha, you're living in a dream world.

2. Of course they'll reach that level, and they'll drive anyway, just like they do now... having no license doesn't stop people from driving and crashing into you, why would compulsory insurance?

[Griff]

It'll limit the choice of smart people, and not of idiots...

1. Ha, you're living in a dream world.

2. Of course they'll reach that level, and they'll drive anyway, just like they do now... having no license doesn't stop people from driving and crashing into you, why would compulsory insurance?

Go back and see "Point 1." Give the Police the power to automaticly impound vehicles without insurance.