Yep, I'll bet you it will work out cheaper for me anyway (compulsory insurance = more expensive insurance)
Plus no matter what the punishments are you are still going to end up with uninsured drivers to worry about, they still have that problem in the UK despite their rather draconian approach.
owene,
Jan 31, 4:14am
!Uh
What are you claiming that the NZIC disagrees with about my last comment! I've merely stated fact. That is that 3P cover does NOT now include personal injury - only property. That's a fact. Please elaborate.
pollymay,
Jan 31, 4:15am
I'll test drive and maybe buy 4+ cars a years, it's a big enough hassle sorting out payment and dealing with them, meet up times, people being late and having to be somewhere without another hurdle of red tape. I really couldn't care less what you make some law.
Insurance companies are a business, they aren't there to specifically help you. They are there to make money, they turn huge profits. Give them an excuse to raise prices, hell it doesn't have to be a good one but they will. And what is this innocent stuff! People can still hit you in a carpark and take off and other junk, you are not fully covered unless you have full cover which you pay for, you cannot completely eradicate the problem and hence the only way to eliminate risk is to take the initiative and do it yourself using your own bean counter balance to work out if your car is worth it, you're given the choice, it's simple
vtecintegra,
Jan 31, 4:16am
Was pretty clear to me he meant regardless of liabilty making insurance compulsory is going to drive prices up across the board.
owene,
Jan 31, 4:16am
Bullshit. They no longer have that problem in UK. I spend 3 mths a year there so know exactly how it works. No insurance = no road tax. No road tax - sensors on bridges triggered. Cops stop you. Vehicle impounded. Not negotiable. I can tell you for sure that it's working in UK!
owene,
Jan 31, 4:18am
So you're full or excuses and reasons to not be insured. I can imagine that your wriggling and squirmy excuses/reasons would continue when it came to settling the damage that you caused when you crashed into an innocent party.
owene,
Jan 31, 4:18am
Wishful thinking and yet more excuses to not insure.
vtecintegra,
Jan 31, 4:19am
And yet they still DO have uninsured vehicles on their roads, often with foreign plates.
Also we do not have that kind of infrastructure here, and I definitely would not want to see it built - to easy for it to be co-opted for other purposes once its there.
pollymay,
Jan 31, 4:26am
Oh wow, get real, I'm not getting insurance for a 4 minute test drive around the block. I usually load them straight on the trailer. Will you be happy when you make all valets ring up to drive cars into the parking bay around the side! They're a great risk, what if they crash into an innocent bystander!
owene,
Jan 31, 4:34am
Not true. EEC law applies and even non-UK vehicles have to be 3P insured. Same treatment applies - vehicle seized.
I see your paranoia still exists!
owene,
Jan 31, 4:35am
Now you're talking even bigger crud. if you run a business, you will have public liability insurance (or do you even have that!) that covers that sort of move.
vtecintegra,
Jan 31, 4:36am
Yes, if caught. The automated systems only work on UK plated cars.
pollymay,
Jan 31, 4:54am
I'm implying you're being nitpicky based on your own views and assume everyone else isn't capable of making good decisions. I have my main car insured, you can what if and throw out wild situations all you want but if you are going to try push for legislation that impedes me from doing what I do freely with excuses just as desperate as you seem to think mine are then I'm going to oppose it. Especially if what you are suggesting threatens a system that currently in my opinion works, you always have outliers without insurance, you can never cover all bases with legislation. What's more I cannot stand the thought of america 2.0 or england 2.0 with the way they handle it, cause it's insane the costs for just owning a turdy little bike that your kids ride around the paddock on, that's not new zealand, that's some hole I don't want to be in, if I wanted that I'd move there
owene,
Jan 31, 8:05am
You have obviously never been the victim of an uninsured drivers actions.
pollymay,
Jan 31, 8:24am
Not written off but certainly decent damage. You are also talking to someone who owns a racecar and has had it basically (well completely really) written off several times due to someone else, there is no insurance on the track, I'm quite used to being a victim of others if you will. You can't just apply the reasoning "impound cars, fix the problem" cause then why do so many cars get impounded! Cause they drive without insurance, why would they do that! Because they are priced out of it or don't follow that mindset/don't care.
I've had cars beaten and parts stomped on by scumbags fresh out of the locker, got nothing. What they did was illegal, does that change the outcome for me! Absolutely not, stuff still got broken, never saw a dime. However my dad had this thing called full cover, which he opted for, and claimed on, his truck got fixed, not my cars. However that's my call if I have insurance on some turds sitting idle at my place that I'm working on. 3rd party wouldn't help, there's always a victim no matter how you twist it. You can look out for yourself with full cover, no one is forcing you to stay 3rd party. Or do you just want 3rd party cheaper! what if they jacked up prices and you landed up with 3rd party at the price of full, that's great for big corporate turnover but at your end you've not gone anywhere and gained no advantage
If uninsured/becoming a victim of circumstance annoys you then get full cover, there are plenty of people that don't want your grievance pawned off onto them under a compulsory scheme, it stands to full reason I could get hit by an uninsured driver as well as you however I'm just more accepting of that risk given I'm fairly satisfied with current options and prices available to me.
owene,
Jan 31, 1:40pm
But hang on a minute here mate. Racing carries the full acceptance that you are not covered and everyone has a choice to compete under those conditions. Thats totally different to public places, public roads etc. I don't have a choice about where I locate my garden fence and so when som shit-faced little uninsured scroat ploghs into it, why should I be made to fix it!
You are totally missing my point. What you are saying is that by making 3P a voluntary issue, it's OK for a certain faction of society to wilfully expose the rest of us to a risk over which we have no control. Why should I have to insure against YOUR behaviour!
Hopefully this sub-culture of society who don't give a toss about the rest of us will be forced to take 3P as has been the case in just about every other country. NZ is the odd one out here - I wonder why!
elect70,
Jan 31, 4:57pm
I dont think it would be very expensiveif allvehicles covered , cost graduated onengine size /powerdriver history /risk ,more peopleinsured cuts the premiums . No insurance no =rego .
elect70,
Jan 31, 4:57pm
I dont think it would be very expensiveif allvehicles covered , cost graduated onengine size /powerdriver history /risk ,more peopleinsured cuts the premiums . No insurance no =rego .Insurance co s are always afternew blood -shares the risk .
shelleigh,
Jan 31, 6:18pm
Lol. To be honest Owene, I don't see why they shouldn't have their car sold or other possessions sold until the debt is paid off. It's a personal choice to have insurance or not and if you choose not to then it should NOT mean you get off paying for damaging someone else's vehicle!
pauldw,
Jan 31, 6:50pm
"The Ministry of Transport has been working on a review of compulsory third party vehicle insurance. In the last year (2009), two surveys of motor vehicle insurance have been carried out. This report provides a summary of the key findings of the larger second survey.
The survey found that 7.6 percent of respondents were either uninsured, or did not know if their vehicle was insured. This is comparable with places with compulsory motor vehicle insurance systems."
"It should be noted that places with compulsory vehicle insurance do not achieve 100 percent compliance. In the United Kingdom, about six percent of all registered vehicles are estimated to be uninsured. This figure has not changed markedly over recent years despite compulsion, increasing levels of enforcement, and more severe sanctions." www.transport.govt.nz/./Vehicle_insurance_in_New_Zealand.pdf
pollymay,
Jan 31, 7:48pm
As stated above the numbers do not stack up for compulsory. It's not like I'm just spewing retard all over my keyboard, it's just not a smart choice EXCEPT for corporate turnover. Our fence is in the middle of nowhere, people still hit it and the insurance undervalues it or tries to send yahoos out to fix it all crooked so there is a clause for the fence in the insurance. If you think it's worth it slightly overvalue to cover the excess as well. I cannot see compulsory solving anything because it won't get that many off the road and you can make it illegal, doesn't stop you being that victim, you're still out a car and they can still try to worm their dishonest way out of it; if they'd freely rip you off they'll freely play the courts to.
Even if you made third party compulsory you then have insurance in on everything and they can still underpay you and you can land up not able to replace the car anyway. Valuing yourself under full is the ONLY way to cover your bases.
wrong2,
Jan 31, 8:13pm
bla bla bla
the point is that compulsory will equal a massive price gouge. the people telling you "NO" obviously get that point & you obviously dont
owene,
Jan 31, 9:25pm
Correct. The data was gathered in 2007 and published in 2009. In 2008, the enforcement was significantly increased and the accepted rate of uninsured is now <0.5%.
owene,
Jan 31, 9:26pm
Sorry, my 40 years of corporate life have not allowed my comprehension skills to untangle your last posting.
owene,
Jan 31, 9:28pm
Where do you get that info from! If you are correct, can you please explain why 3P only cover is currently <$100 (source: AMI & AA independant quotes)!
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