Third party insurance soon to be compulsory

**GR81** · 14th August 2006, 09:26

i was reading my policy for some unknown reason last night and i think it says something about if i have an accident and the other person has no insurance but i can prove they were at fault, they will pay upto $3k from memory.
which is better than nothing i guess, especially since my vehicles are all of a reasonably low value.

**The_Dover** · 14th August 2006, 09:31

Originally Posted by GR81

especially since my vehicles are all of a reasonably low value.

are they ALL hondas?

**GR81** · 14th August 2006, 12:26

Originally Posted by The_Dover

are they ALL hondas?

yes

CBR, CR and Civic

**The_Dover** · 14th August 2006, 13:17

I'm sorry GR81.

I really feel for you, I'll stop taunting you now. No man should carry the burden of that much shame.

**skidMark** · 14th August 2006, 15:32

Originally Posted by GR81

yes

CBR, CR and Civic

somebody put this shell of a man out of his misery

**Sniper** · 14th August 2006, 15:34

Originally Posted by skidMark

somebody put this shell of a man out of his misery

If it were legal, but the guy is OK.

You on the otherhand.....

**skidMark** · 14th August 2006, 16:49

Originally Posted by Sniper

If it were legal, but the guy is OK.

You on the otherhand.....

if i were to point a gun at you....would you dance?

**The_Dover** · 14th August 2006, 16:51

once his erection had gone down

**mattp** · 14th August 2006, 23:22

3rd party insurance is what everyone on the road should have. Also it would be a good way of getting a lot of the "rubbish" cars off the road as the council estate people would not have the money to pay the insurance.

**Motu** · 14th August 2006, 23:39

Who are insurance companies to decide what I should and should not drive - it's not their business.If they won't insure me,I'll run uninsured,simple as that.

**sAsLEX** · 14th August 2006, 23:52

Originally Posted by Motu

Who are insurance companies to decide what I should and should not drive - it's not their business.If they won't insure me,I'll run uninsured,simple as that.

I think you would be one that takes on what used to be known as "personal responsibility" though. People these days dont understand things like that.

And what you going to hit out the back of Huntly anyways?!

**Motu** · 15th August 2006, 07:33

I say ban all insurance,it give a false sense of protection - people just don't care,their car will be fixed good as new and have a courtesy car while it's being repaired....no consequences for actions whatsoever.The best way to stop accidents is to remove seatbelts and fit a 6in spike to the centre of the steering wheel....and for motorcyclists,they should be made to ride without a helmet and in shorts and jandals - how many risks would they take then...how many cars pull out in front?

**digsaw** · 15th August 2006, 07:57

ezactlee Moto,they is just theives

**moko** · 15th August 2006, 08:29

Originally Posted by Lou Girardin

Unfortunately, I can see lack of insurance as being a low priority for enforcement. Perhaps they can tie it to reg and wof's.

That`s what they`ve done here recently Lou.All that info`s on a computer in Swansea.When I renewed my road tax last week all I had to do was tap in the reference number on the reminder via my phone keypad,I then had to confirm that my bike was a Yamaha and the reg.no.The system then checked the computer to verify that my bike was M.O.T`d(same as wof) and insured,tax disc came in the post,all done with buttons and computers.To tax a vehicle here you need to show you`re vehicle`s m.o.t.`d and insured,used to be a case of taking all the paperwork to a post office,now it`s all on their database as soon as you insure or your bike passes the M.o.t.Not only that but the police have cameras which read numberplates and check directly with the computer,anything out of date or not registered to that vehicle and they get pulled,quite often the vehicle is impounded and often crushed.
As for the insurance itself that`s probably why the average age of bikers here is a lot higher than in N.Z,,riding experience and age are big factors and I know 17 year-old riders paying well over a grand(that`s pounds)for insurance,often bunged on their credit cards.As stated third party insurance here is compulsory and yes it`s high because it covers things like being sued for personal injury claims,this includes pillion passengers so you can save quite a bit by telling your insurers you wont carry a passenger,if you do and you have an accident you`re looking at probable bankruptcy given the pay-outs here so it`s not worth winging it.Another insurance issue here is that certain top of the range are all but un-insurable unless they`re alarmed,have an immobiliser fitted and garaged overnight somewhere secure.
Plenty here ride/drive with no insurance but with the new technology that`ll be just about impossible to do without getting nicked in the next few years.
Just to really cheer you up we`re also starting to see cameras that can work out your average speed between 2 points.