NO, and the shit loads of people who come through the panelshop door in the same boat.Uninsured people cause others much greif and should be held accountable but because of our piss weak laws etc you may as well bang your head against a brick wall.I like the UK model, no insurance , no car or impounded. Hita nerve huh!
gunhand,
Jan 31, 3:29am
NO, and the shit loads of people who come through the panelshop door in the same boat.Uninsured people cause others much greif and should be held accountable but because of our piss weak laws etc you may as well bang your head against a brick wall.I like the UK model, no insurance , no car or impounded. Hita nerve huh!
Oh and the deffinition of a hypocrite is, do or say one thing but do another. How do I fit into that!
owene,
Jan 31, 3:30am
Mate if you have no insurance and I do have insurance then I'm sharing YOUR risk and paying to do so. That's what is so wrong with the current setup - people like yourself refuse to carry their portion of their own risk.
loose.unit8,
Jan 31, 3:31am
Fully agree with tonyrockyhorror. If people wish to 'insure themselves', they should be allowed to choose that
owene,
Jan 31, 3:31am
+10
owene,
Jan 31, 3:34am
Dead right. Indeed I suspect that much of what he's said on here today is merely intended to sidetrack the debate and provide him with some light amusement.
pollymay,
Jan 31, 3:36am
You want full cover, pay for full cover. Don't try to pawn it off onto everyone else. Insurance companies are a business model, we have it GOOD here, look at florida and places like that were learner drivers are stung for 1600 a yearly 1/4 and stuff like that. At current prices full cover isn't terribly out of reach for most people so if you want that security then go ahead. What's the moaning! the price is mostly reasonable and YOU are taking that risk with 3rd party just as they risk being uninsured.
I like the gunhand type reasoning of "I don't plan to have an accident", on that basis I'm taking the harness out of my racecar, don't plan on crashing and I drive well, mechanical failure or unseen hazards like cattle won't happen to me.
tonyrockyhorror,
Jan 31, 3:40am
That's easy. Your definition is wrong. The definition is "A person who engages in the same behaviours he condemns others for". You start by berating people for stating their experience then go on to state your own as if it's the only valid one.
gunhand,
Jan 31, 3:41am
Yes insurance is cheap enough here, and guess what you can pay it quaterly to make it easier on the pocket. If you drive a 20k car but cant afford insurance your values are up the river. Its one of lifes nessassary evils (like tax, although said people prob aviod that to) unfortunatly unless you have cash coming out your ears. and we know people like tha tend to be the most misarable in parting with it.
tonyrockyhorror,
Jan 31, 3:41am
Who are the other nine!
tonyrockyhorror,
Jan 31, 3:43am
It's not about affording. It's about value. I can afford a 60" TV. But I don't buy one simply because I just don't see the value.
skin1235,
Jan 31, 3:44am
glancing back ova the thread - who reckons it will cost a $100 per yr, I pay 3rd party on a couple of tractors, a farm ute ( farm rego'd) and the last years premium for 3rd party was hell of a lot more than $300, mind you if I managed to drive up the front of say a 2010 merc the premiums would be well justified, especially if I was in an 8 tonne tractor at the time, perhaps I'd be on a winner if it was made compulsory - the premiums may even reduce
tonyrockyhorror,
Jan 31, 3:45am
Merely crushing the illogic of fools.
gunhand,
Jan 31, 3:46am
what! I gave an example of what can happen with no insurance. Ie CHH. Imagine for 2 secs if we had no EQC or goverenment willing to pay out to uninsured people! bet they would wish they had it then. And what I stated is fact. many people choose no insurance in CHCH but are being bailed out. which almost makes insurance a joke. Lets not have inssurance at all as someone else will bail us out.
tonyrockyhorror,
Jan 31, 3:47am
Overseas they have not and, in fact, that is one of the very reasons that the NZ Insurance Council cited as being a bad reason to make it compulsory: premiums would increase.
edangus,
Jan 31, 3:49am
I believe 3rd party should be compulsory.
So much so, that I pay for my daughters on her car (she can't afford it). I don't see why someone else should be made to suffer if she smacks em.
tonyrockyhorror,
Jan 31, 3:50am
Earthquake cover of assets worth many more times that of motorvehicles is not an example which crosses over to them well.
BTW EQC is compulsory if you carry insurance on your dwelling. How is that working out for the people that were covered! Low stress! I think not.
gunhand,
Jan 31, 3:51am
Now that I agree with. anything that is nessassary or compulsery will no doubt go up in price. It happens all the time here in NZ.Which would in turn cause more people not to insure and take the risk.
pollymay,
Jan 31, 3:53am
It's all balance and risk, I believe it will never be eliminated, compulsory or not. A reasonable person has to size up their own values and bean counting for their own life, blanket policies don't work cause it doesn't work for everyone, just like it doesn't now. It can't, it won't, it never will, too many individual lifestyles.
You just shift the moaning elsewhere and no "problem" is really solved, you've created new ones like impounding vehicles that have just been bought but uninsured on the way home, england is great at this on the reasoning "you should sort it before driving home" great, because I 100% I was going to buy it and hand over the cash to a stranger when I went there
gunhand,
Jan 31, 3:55am
Its about people attitudes toward insurance (well its about 3rd party but.) and what can and has happened. And no, unisured people, just like insured people go through huge stress at times, even if it is a car. Som people reliy on there car and being taken out but uninsured (and insured) drivers is a headache even though its all sorted eventually.
owene,
Jan 31, 3:56am
rocky horros why don't you read what I've repeated on here about 5 times. The premiums for 3P overseas are high as they have to include the personal injury component which in NZ is covered by ACC. that's why it's so much cheaper here.
owene,
Jan 31, 3:57am
Well yes the problem is solved as no longer are innocent bystanders left to clean up an uninsured drivers mess.
gunhand,
Jan 31, 3:59am
Most insurances can be sorted via the phone or net and proabably facebook now 24 hours a day. No real excuse. Unless no one had a phone anywhere near you at the time. And there is such a thing as advising your insurance company beofre you may buy something, And I know mine give me cover for a few days even if i dont tell them
tonyrockyhorror,
Jan 31, 4:00am
But you still can't compare a vehicle and a home.
tonyrockyhorror,
Jan 31, 4:01am
The NZ Insurance Council disagrees. I think I'll listen to them, not you.
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