Our Success is in our members who value our strength as a valued community.
Forum Stats
12328 Members
65 Forums
73257 Topics
989100 Posts
30 posts in the last 24hrs
Max Online: 7831 @ 8th Apr 2013 4:18pm
Who's Online - Click Me
83 registered (alan128, 10 invisible), 1442 Guests and 292 Spiders online.
Key: Admin, Global Mod, Mod
Social Media : Follow Us


(Views 7days)This Weeks Most Read
Finsbury Park mosque. 1016
Round the Wirral with a movie camera[1934] 450
Washing machine 207
Range Rover P38A Air Suspension Help Needed 149
Loving Home Wanted For 3 Cats. 124
Ant and Dec 98
Another Scam 80
Benefit Cap is Unlawful 71
Wanted roof box 70
Loving Home Wanted For 3 Cats. 62
New General Forums
Deja Vu, Lightning Strikes Thrice, Groundhog Day
by fish5133
Yesterday at 07:38 PM
Ant and Dec
by cools
18th Jun 2017 2:11pm
Another Scam
by Excoriator
18th Jun 2017 10:00am
Happy birthday Ste
by Dilly
12th Jun 2017 7:54am
New Wirral History
Round the Wirral with a movie camera[1934]
by snowhite
16th Jun 2017 2:03pm
Bascule Bridge
by Sufee
6th Jun 2017 9:09pm
Pathe news short - merseytunnel 1934
by oldpm01
5th Jun 2017 1:57pm
1878 Post Office Directory of Cheshire query
by derekdwc
1st Jun 2017 10:41pm
Bakery at 275 Poulton Road 1925 onwards
by JAFitz
30th May 2017 8:59pm
Forum Tips
Photo Gallery Forums
wirral from Liverpool big wheel
New Brighton Big Wheel
Topic Replies
Bexit Offer for EU Citizens
by diggingdeeper
58 minutes 38 seconds ago
VW t4 fixed side window replacement
by lansyp
Today at 10:22 AM
Unilever's Power Stations
by Jimbo620
Today at 08:18 AM
Where In The Wirral Is It??
by diggingdeeper
Yesterday at 09:22 PM
Benefit Cap is Unlawful
by RUDEBOX
Yesterday at 07:37 PM
Suspended sentence for 37,000 benefit fraud mum
by Mark
Yesterday at 06:45 PM
What song are you listening to?
by granny
Yesterday at 10:18 AM
live webcam from africa, a must see
by granny
Yesterday at 09:49 AM
Sailing volunteers
by diggingdeeper
Yesterday at 12:34 AM
June
M Tu W Th F Sa Su
1 2 3 4
5 6 7 8 9 10 11
12 13 14 15 16 17 18
19 20 21 22 23 24 25
26 27 28 29 30
Recent Posts : What's On ?
Shotwick - Old And New (Hall and Solar Farm)
by diggingdeeper
18th Jun 2017 11:41am
Sefton Park
by diggingdeeper
17th Jun 2017 7:28pm
Page 1 of 2 1 2 >
Topic Options
Rate This Topic
#824139 - 12th Sep 2013 5:06pm Abolition of compulsory car insurance
Andy2020 Offline
Beginner

Registered: 9th Dec 2012
Posts: 3
Loc: Wirral
If you think like me that car insurers are just taking the piss now because they know we need to have it in order to drive then sign this and share it to as many people as you can, it would be nice to not get bullied by insurers and their fake reasons why they have to put the price up so much. Something needs to change.

http://epetitions.direct.gov.uk/petitions/46820

Please sign and share to as many people as you can, it's worth a try isn't it?

Top
Google Ads
#824245 - 12th Sep 2013 9:00pm Re: Abolition of compulsory car insurance [Re: Andy2020]
dizdazdoz Offline

Wise One

Registered: 17th Jan 2010
Posts: 872
Loc: Here
No thanks, I personally don't mind paying. It protects ME & MY FAMILY. Imagine if I didn't have insurance and had a minor collision but the car I hit had 1000+ etc damage. I could never afford to pay it.

I do trust my driving and feel that most do, our insurance also helps is someone bumps us, quicker payout than going through the courts and costs to get money owed + costs of case and maybe car hire, fees if suffering life threatening injuries and so on I feel this is a really important thing to remember.

I do however feel that young/new drivers insurance is vastly overpriced (you can include certain jobs) and it's good to see some companies trying with driver monitoring devices trying to help

Overall all I feel compulsory insurance should stay, it may need tweaking in areas but mostly I think it works.

Top
#824256 - 12th Sep 2013 9:26pm Re: Abolition of compulsory car insurance [Re: Andy2020]
pokerchamp Offline
Wise One

Registered: 29th Aug 2011
Posts: 820
Loc: wallasey
im a 39 yr old driver,ive been driving for 6 yrs now and my job is a delivery driver,my insurance for my 1.4 ford fiesta (which is worth approx 300) is 1100 because of my post code!!i live in liscard so the area really isnt that bad,BUT if i was to insure my car from my fathers address in north wales my insurance would be 350!that is a hell of a difference and people have said to me that i should insure it from there but i couldn't afford to have an accident and the insurance company not to pay out!!so in my opinion these insurance companys are total rip offs!

Top
#824294 - 12th Sep 2013 11:10pm Re: Abolition of compulsory car insurance [Re: pokerchamp]
mrhanky Online   scary_mood
Forum Addict

Registered: 1st Dec 2010
Posts: 1236
Loc: my house
this has got to be the most insane petition i've ever heard of????

who in their right mind thinks this is a good idea??

Top
#824300 - 12th Sep 2013 11:42pm Re: Abolition of compulsory car insurance [Re: Andy2020]
Dilly Online   Reading
Wiki Veteran

Registered: 17th Jul 2011
Posts: 7895
Loc: wallasey
Its worth a try, no not a cats chance in hell you are p##sing in the wind.

Top
#824304 - 13th Sep 2013 12:21am Re: Abolition of compulsory car insurance [Re: Andy2020]
rhoobarb2002 Offline
Veteran

Registered: 13th Aug 2011
Posts: 680
Loc: Wirral
Yes the insurance is a rip off, yes they know we have to have it, but it made compulsory for a reason. I don't think they should abolish it, but IMO what they do need is;
-Tighter government controls and strict, realistic guidelines on how much they can charge.
-Stricter penalties/fines/even jail time for 'cash for crash' type scammers.
-Scrapping the postcode system so that it is dependent on the car/age/History, not where someone lives.
After all, the areas that would have the lowest insurance are probably the areas that can most afford it.
-Encourage competition among insurers so customers can get the lowest rates, not some back room price fixing.
-Cap the insurance rates for each type of car, so you don't get silly 5000+ quotes for a Corsa, etc.
-Bigger discounts for taking safe driving courses.
-Allow 'seasoned' drivers to take the courses.
-Get rid of some of these 'automatic fault' rules that are easy prey for scammers.
-Big discounts for using dashcams
-Dare I even say, a license to ride a bicycle??
I'm sure proper cyclists wouldn't mind.

But I agree something has to be done, when I was young I understood that insurance was meant to go down as you got older, but it seems to do nothing but go up.

Just my two cents worth


Edited by rhoobarb2002 (13th Sep 2013 12:21am)

Top
#824341 - 13th Sep 2013 9:16am Re: Abolition of compulsory car insurance [Re: Andy2020]
organiser Offline
Old Hand

Registered: 24th Oct 2012
Posts: 366
Loc: new brighton
I know we live in a democracy which allows freedom of speech and thankfully a degree of civilised existence, but I question the moderators allowing an initial post such as this to appear on this forum

Top
#824343 - 13th Sep 2013 9:33am Re: Abolition of compulsory car insurance [Re: organiser]
TheDr Offline
Forum Master

Registered: 23rd Feb 2010
Posts: 2631
Loc: Wirral
Originally Posted By: organiser
I know we live in a democracy which allows freedom of speech and thankfully a degree of civilised existence, but I question the moderators allowing an initial post such as this to appear on this forum



Many countries don't have compulsory insurance, so, right or wrong, the question put forward for debate is a valid one.

Top
#824346 - 13th Sep 2013 9:53am Re: Abolition of compulsory car insurance [Re: TheDr]
organiser Offline
Old Hand

Registered: 24th Oct 2012
Posts: 366
Loc: new brighton
would you like to be a driver there Dr?

Top
#824351 - 13th Sep 2013 10:13am Re: Abolition of compulsory car insurance [Re: Andy2020]
DeanoBirko Offline
Wise One

Registered: 12th Oct 2011
Posts: 783
Loc: Birkenhead
Its all about risk. A 40 something, healthy, careful driver in a nice area with a gated driveway is going to be less risky than a car parked on a road outside a house in Birkenhead.

Its common sense. Its not about affordability, its about risk.

The more likely the car is going to get stolen or written off the higher the premium.

Top
#824358 - 13th Sep 2013 10:57am Re: Abolition of compulsory car insurance [Re: Andy2020]
Gibbo Offline
Forum Addict

Registered: 27th Dec 2010
Posts: 1787
Loc: Oxton
Its not a rip off for everyone. I only pay a couple of hundred fully comp.

Do what you can to get your premiums lower if you can.

As for getting rid of compulsory insurance, I have an old "AA Book of the road" where it states lodging a bond of something like 20,000 with the coroner or court means you don't need insurance. I'll dig it out later.

As for the petition, what a joke. Badly worded, badly thought out. I loved the bit about ANPR. What about car tax dodgers?

Top
#824369 - 13th Sep 2013 12:00pm Re: Abolition of compulsory car insurance [Re: Andy2020]
DeanoBirko Offline
Wise One

Registered: 12th Oct 2011
Posts: 783
Loc: Birkenhead
Just read your petition. Its a bit silly really.

What if Im a fully insured, careful driver and some uninsured driver ploughs straight into me. Why should I have to pay for my own car damages and injuries just because he is uninsured?

I would have to claim on my own insurance when it wasn't my fault, pushing my own premium right up.

How do you suggest you make this fair?

Top
#824480 - 13th Sep 2013 8:35pm Re: Abolition of compulsory car insurance [Re: Gibbo]
mrhanky Online   scary_mood
Forum Addict

Registered: 1st Dec 2010
Posts: 1236
Loc: my house
Originally Posted By: Gibbo


As for the petition, what a joke. Badly worded, badly thought out. I loved the bit about ANPR. What about car tax dodgers?


to be honest i'd be surprised if the petition starter could even read or write anyway??

has to be the daftest idea for years.

Top
#824507 - 13th Sep 2013 9:24pm Re: Abolition of compulsory car insurance [Re: organiser]
TheDr Offline
Forum Master

Registered: 23rd Feb 2010
Posts: 2631
Loc: Wirral
Originally Posted By: organiser
would you like to be a driver there Dr?


It all depends on the system you were brought up with.

In the states insurance is not a legal requirement, although you do need to have personal liability insurance (in all but one state), so it can work.

In New Zealand there is no requirement to have any form of insurance, and the cases of whiplash are almost zero, as you cannot sue the other person in the event of an accident, you are however entitled to health treatment to return you back to your original state, but this is paid to the doctors (by the ACC) not the accident victim.

To reduce insurance quotes the answer is quite simple (to me):
Your driving licence should be a record of ANY driving accidents, it should show if you were at fault, or not, and how many people were involved
It would be quite simple to have a database against your licence number, disqualified drivers would vanish overnight as you couldn't get a number to link the insurance to, the same for provisional licence holders.
It should be COMPULSORY for insurance companies to see ALL licences in the event of a claim. If you hit someone all of your details are checked, but no one checks the other drivers, so they get a big payout as long as their insurance exists, valid licence or not.
Whiplash claims and cash/flash for crash cases go, as your licence would show repeated accidents.

Oh yes, and a real bugbear with me, stop people parking on the zigzags outside schools, never mind "I'm only dropping my kids off", so is everybody else, they didn't leave them clear for you to park in, it's to protect children crossing the road !!! Grrrrr

Top
#824535 - 13th Sep 2013 10:25pm Re: Abolition of compulsory car insurance [Re: TheDr]
CVCVCV Offline
Forum Addict

Registered: 4th May 2010
Posts: 1452
Loc: ex Wallasey now Atlanta GA USA
Dr, vehicle insurance (not just personal liability insurance) is indeed a legal requirement in (I do believe) all States of the USA. Not sure where you got that from?

Top
Page 1 of 2 1 2 >

Moderator:  StuyMac 
Random Wirral Images

Click to View Topic.
Newest Topics
Bexit Offer for EU Citizens
by granny
Today at 09:38 AM
Benefit Cap is Unlawful
by RUDEBOX
Yesterday at 07:37 PM
VW t4 fixed side window replacement
by Mike72
Yesterday at 08:00 AM
Range Rover P38A Air Suspension Help Needed
by Martin1943
20th Jun 2017 8:06pm
Loving Home Wanted For 3 Cats.
by DavidC
20th Jun 2017 8:32am
For Sale & Free
Washing machine
by GingerTom
20th Jun 2017 9:05pm
22" full 1080p hd and freeview tv
by monsterz4
20th Jun 2017 8:50pm
Apple TV box the 1gen
by monsterz4
20th Jun 2017 8:48pm
42 lf smart tv
by stumpyduck
20th Jun 2017 8:15pm
Wanted roof box
by monsterz4
19th Jun 2017 10:32am
Featured Member
Registered: 15th Jun 2012
Posts: 7
Newest Members
Fairz87, mikerobbo84, Robbo1960, Gwhiz03, SamphireGreen
12328 Registered Users
Today's Birthdays
No Birthdays
New Wirral Info
Shotwick - Old And New (Hall and Solar Farm)
by diggingdeeper
15th Jun 2017 10:19pm
Sefton Park
by diggingdeeper
15th Jun 2017 10:02pm
Property Law
by lau2908
14th Jun 2017 8:04pm
van driver needed
by futurepast
14th Jun 2017 7:34pm
Sailing volunteers
by dogsbrain
14th Jun 2017 4:31pm
News : New Topics
Bexit Offer for EU Citizens
by granny
Today at 09:38 AM
Benefit Cap is Unlawful
by RUDEBOX
Yesterday at 07:37 PM
Finsbury Park mosque.
by Beethoven
19th Jun 2017 11:42am
Grenfell Tower - Notting Hill
by diggingdeeper
14th Jun 2017 5:13am
Manchester airport
by Dilly
9th Jun 2017 6:01pm
New Enthusiast Forums
VW t4 fixed side window replacement
by Mike72
Yesterday at 08:00 AM
Range Rover P38A Air Suspension Help Needed
by Martin1943
20th Jun 2017 8:06pm
Loving Home Wanted For 3 Cats.
by DavidC
20th Jun 2017 8:32am
Loving Home Wanted For 3 Cats.
by DavidC
18th Jun 2017 6:02pm
Code reader
by madrob
16th Jun 2017 9:09am
(Views 24hrs)Trending Newest Topics
Benefit Cap is Unlawful 71
Deja Vu, Lightning Strikes Thrice, Groundhog Day 41
Bexit Offer for EU Citizens 34
Wirral Sunrise Sunset
Sunrise Fri 4:43am
Sunset Fri 9:45pm
Local Time Fri 1:01pm
WikiWirral Can . . . .