Drivers face compulsory third-party insurance

[Ixion]

Me too, we're about to get fucked good and proper

I currently pay $27 a year for my bike, so even if it is $100 a year it's a substantial % increase

Absolutely will NOT be $100. trry adding another zero. For each vehicle.

[Ixion]

W..We have to budget for these things, just as we budget for household insurance, health insurance rah de rah rah. If we were unable to afford to do it we wouldn't be owning them. Self righteous rant over!
Seriously though, the system seems to be geared at the moment for the benefit of those who don't have any insurance at all - it's all "covered" by those of us who do pay our premiums, whether we think it's fair, nice, or annoyingly unjust.

That's all very well for wealthy people like you. For poor people an extra $1000 a year (in your example $4000) is a very significant expense. So what you are REALLY saying is that poor people should be driven off the road , for the crime of being poor? And of course, no transport probably menas no job too. Serves 'em right 'eh, for being poor.

And far from the system being geared for the ebnefit of thos ewho don't have insurance at all - you ELECT to pay for insurance, presumably because you recognise that you are not a good driver/rider. and are likely to have a crash. Those who do not have insurance do so because they choose to ENSURE that they do not crash, thus costing neither themselves nor others anything.

[HornetBoy]

That's all very well for wealthy people like you. For poor people an extra $1000 a year (in your example $4000) is a very significant expense. So what you are REALLY saying is that poor people should be driven off the road , for the crime of being poor? And of course, no transport probably menas no job too. Serves 'em right 'eh, for being poor.

And far from the system being geared for the ebnefit of thos ewho don't have insurance at all - you ELECT to pay for insurance, presumably because you recognise that you are not a good driver/rider. and are likely to have a crash. Those who do not have insurance do so because they choose to ENSURE that they do not crash, thus costing neither themselves nor others anything.

Agreed ,i personally would put the big thumbs down for this law too,you make some valid points in your past posts Ixion

[swbarnett]

$100 a year for experienced motorists with few traffic offences? Utter total pig swilling CRAP.

That statement has to be the prime piece of bull shit of this century. Try adding at least one zero. For every vehicle you own!

I don't know where you get your figures from. I just did a quick quote at Swann with the following details:

Date of birth: 01/01/1940
Use: Private
CC Rating: Over 1000cc
Year of manufacture: 1990
Market Value: $4000
North Island
Claim free for five years or more.
Full licence.

Quoted prices as follows:
Third Party Only: $130.00 per annum
Third Party Fire and Theft: $232.00 per annum
Comprehensive: $282.00 per annum

[Ixion]

That's a cage. And for someone already insured. try a bike.

[jonbuoy]

That's all very well for wealthy people like you. For poor people an extra $1000 a year (in your example $4000) is a very significant expense. So what you are REALLY saying is that poor people should be driven off the road , for the crime of being poor? And of course, no transport probably menas no job too. Serves 'em right 'eh, for being poor.

And far from the system being geared for the ebnefit of thos ewho don't have insurance at all - you ELECT to pay for insurance, presumably because you recognise that you are not a good driver/rider. and are likely to have a crash. Those who do not have insurance do so because they choose to ENSURE that they do not crash, thus costing neither themselves nor others anything.

If you don't have insurance and someone else without insurance rear ends you at the traffic lights, you don't stand a shit show of getting a penny out of them without taking them to court, paying for lawyers time off work out of your own pocket. If your fully comp or they have third party only you claim off your insurance and leave it up to them to chase the third party or insurers up. Everyone should have it.

[Coyote]

That's all very well for wealthy people like you. For poor people an extra $1000 a year (in your example $4000) is a very significant expense. So what you are REALLY saying is that poor people should be driven off the road , for the crime of being poor? And of course, no transport probably menas no job too. Serves 'em right 'eh, for being poor.

And far from the system being geared for the ebnefit of thos ewho don't have insurance at all - you ELECT to pay for insurance, presumably because you recognise that you are not a good driver/rider. and are likely to have a crash. Those who do not have insurance do so because they choose to ENSURE that they do not crash, thus costing neither themselves nor others anything.

Not judging the lass, don't know the full story. However;

What I've learnt in my relatively short existance is there's a lot of "better off people" that believe that everyone deserves what they have. The CEO that gets the bonus for firing all those workers really did work harder than that one person he fired that scrubbed the toilets, 60 hours a week. Less money = you worked less hard and you deserve to be where you are.

According to the government, I belong to a rich family. Well, we're not any richer. The bank is.

By the way, my girlfriend says she communist, but then she complained about me having some very deep hatred for "no reason" towards any big corporation, and in fact she doesn't mind living in a capitalist society. Should I be concerned?

[Owl]

That's a cage. And for someone already insured. try a bike.

I priced up insurance for my Harley back in 1999 and State came back with $1271=comprehensive and $8=third party. I thought she was having me on but it was legit. Her comment was "cheap eh" and it was. Third Party for a bike is not bad at all!

[Usarka]

Got a quote online for an £800 1992 GN125 on a provisional licence for an 18 year old with no insurance history. Living in NW London.

Cheapest for Third Party only:

£385.35

(equivalent to around $800)


£214.88 for 3rd party for a 35yr old with licence for 10yrs insuring a 2006 CBR600rr

£903.88 for the same with comprehensive insurance.

[YellowDog]

Tower Insurance quoted me $1,876.50 for my new Tiger. I told them they were over $1000 more than the competition and they said Huh?

[homer]

Why? Have you got 200K in the bank in-case you clip someone's Lamborghini?

Its not the cost of the car . its the car +

if it was me and someone hit me , then theres the car , the damage to what ever else is in the car , maybe medical costs , id sue for that .

The main point i have is since i pay insurance , how will they collect it .
I thought they would collect it in the cost of the rego , do i now pay twice
or will the rego get cheaper , if they do it this way.
Also if the idea may actually work which i doubt, then is the acc premium going to be lowered?

[Ixion]

By the way, my girlfriend says she communist, but then she complained about me having some very deep hatred for "no reason" towards any big corporation, and in fact she doesn't mind living in a capitalist society. Should I be concerned?

well, I am a communist, and I do indeed have a very deep hatred towards big corporations. Sort of goes with the territory. Don't think you can be a communist and approve of big corporations.

[BiK3RChiK]

I agree with you jimjim. So why not make penalties tough to encourage compliance. Missing one of those three things could be considered an oversight and warrant a fine. Miss any two and your vehicle is confiscated and sold.

heh! Do you think these type of people care about their vehicle being confiscated? They will just go out tomorrow and buy another $200 car or go and steal another one and use that for their life of crime.

Personally, I can't see it working, but, all the best bringing it in! I would be for it.

[pete376403]

It might be expensive (or not) but I'm sure the guy who used to own the crashed GS1000 I bought wished he had had TPI. In a moment of inattention he rode into the back of a stopped car which was waiting to turn. He was badly injured (two broken legs) his pillion was concussed, the car he hit was written off and his own bike wrecked. He had no insurance. In addition to the court fine, he had to pay the car owner around $10k.

Pretty much right up to the moment of the crash he had been a fairly good rider, no tickets, no other crashes - the sort who believes he is good enough (and safe enough) not to bother with insurance.

Incidentally I just tried the swann online quote for tpi. Old (55) full licence, no previous insurance, '08KLR650, North island -
Policy Type:
Third Party Only

Annual Premium:
$130.00

https://www.swanninsurance.co.nz/Our...uote/Post.aspx

[Oakie]

Me and my bike to get third party with Swann = $130 for the year.
Mrs Oakie and her CB250 even with her claim for a stolen bike last year to get third party with Swann = $130 for the year.

We both have comprehensive policies anyway so it's a moot point. Incidentally, the $1000 that's been mentioned for third party would cover both our comprehensive policies for a year.

And yeah, like I'm really going to feel sorry for those people who are riding around on bikes bigger than the current licensing laws allow.