should i report uninsured car

WildOscar · 22-01-2011 3:01pm #1

Near me there is someone with a mid 80's car with no insurance or NCT. I would be concerned if it is roadworthy and what if he crashes or hits someone

There is also the issue that I, and you guys, have to pay insurance so why should one be driving without it but mostly it is a concern re if the car is roadworthy and what if there is an accident plus i think it is a bit cheeky/selfish to drive such a car. But maybe he is short of money. i once drove without tax when short of cash but would never drive without insurance.

What do you guys think?

aujopimur · 22-01-2011 3:06pm

Report it.

deman · 22-01-2011 3:07pm

aujopimur wrote: »

Report it.

+1

Mint Sauce · 22-01-2011 3:08pm

WildOscar wrote: »

Near me there is someone with a mid 80's car with no insurance or NCT. I would be concerned if it is roadworthy and what if he crashes or hits someone

There is also the issue that I, and you guys, have to pay insurance so why should one be driving without it but mostly it is a concern re if the car is roadworthy and what if there is an accident plus i think it is a bit cheeky/selfish to drive such a car. But maybe he is short of money. i once drove without tax when short of cash but would never drive without insurance.

What do you guys think?

Have you actully seen them driving it, or is it parked up?

coolbeans · 22-01-2011 3:12pm

If it's being driven I'd report it. He's being dangerously irresponsible and what's more free riding on the backs of others who'll have to pick up the tab if he makes a mess.

Atlantic Dawn · 22-01-2011 3:14pm

Yes I'd report it, I'd hate to be hit by an uninsured driver especially with the amount of money I've shelled out over the years for insurance.

WildOscar · 22-01-2011 3:15pm

irish-stew wrote: »

Have you actully seen them driving it,?

regularly

coolbeans · 22-01-2011 3:17pm

Report the fukk out of him so. Dick.

MarkoC · 22-01-2011 3:23pm

WildOscar wrote: »

There is also the issue that I, and you guys, have to pay insurance so why should one be driving without it

Thats the main reason you should report (knock on someone)
In Aussie its simple, you dont have insurance, you will pay all the fees and costs if you cause damages to someone.
Yealousity is the mayor thing why we should report (knock) on everyone

Love the song

Knocking On Heavens Door

You should ALWAYS report if you see something wrong, that makes you perfect !

Seweryn · 22-01-2011 3:24pm

irish-stew wrote: »

Have you actully seen them driving it, or is it parked up?

Secondly - are you sure it is not insured?

coolbeans · 22-01-2011 3:31pm

"Yealousity". What the hell is that?

If you mean jealousy don't be childish. Insurance is a social contract ensuring that you can pay for any damage done while driving. Reporting this guy if he is uninsured is perfectly acceptable. I don't want it to be socially OK in the vein of "ah isn't he great, a real cute hoor altogether gettin' away without payin' the insurance". Grow up. :rolleyes:

OldmanMondeo · 22-01-2011 3:42pm

Report it if the guy / gal is driving it. Should it hit your car, you will need to claim off your insurance and pay for it for years while they get off scott free.

MarkoC · 22-01-2011 3:43pm

Unfortunately im type of person whos taxes and insurance are always paid.
But i would agitate people to do not pay any insurance and tax at all, as this is more than crazy whats going on in this country, recession and they increasing the insurance prices and taxes.
If nobody will pay them at all, they might start to think to come up with more reasonable fees ....

coolbeans · 22-01-2011 3:52pm

MarkoC wrote: »

Unfortunately im type of person whos taxes and insurance are always paid.
But i would agitate people to do not pay any insurance and tax at all, as this is more than crazy whats going on in this country, recession and they increasing the insurance prices and taxes.
If nobody will pay them at all, they might start to think to come up with more reasonable fees ....

Insurance isn't optional. If you're in a crash caused by an uninsured driver and he protests that he was protesting against the high cost of premia by not paying will you gladly accept this excuse?

iphone4g · 22-01-2011 4:09pm

MarkoC wrote: »

Unfortunately im type of person whos taxes and insurance are always paid.
But i would agitate people to do not pay any insurance and tax at all, as this is more than crazy whats going on in this country, recession and they increasing the insurance prices and taxes.
If nobody will pay them at all, they might start to think to come up with more reasonable fees ....

Now there's a plan!!

VanhireBoys · 22-01-2011 4:22pm

WildOscar wrote: »

Near me there is someone with a mid 80's car

My car is mid-80's taxed, insured and NCTed to the hilt...!

You guys seem to have a problem with older cars, looking down your noses out of your 11 reg Quasquai's, Picassos, Scenics and other so called cars..

The issue is that person is uninsured and a liability to others not the fact that he is driving an 80's car..

My answer is report him before he hits some poor innocent

mathepac · 22-01-2011 4:40pm

VanhireBoys wrote: »

... looking down your noses out of your 11 reg Quasquai's, Picassos, Scenics and other so called cars..

"so-called cars" - love it, and agree!

On topic - report them. Selfishly stupid clowns like that cost insured drivers add between 15% & 20% to our premium each year.

MarkoC · 22-01-2011 4:59pm

mathepac wrote: »

Selfishly stupid clowns like that cost insured drivers add between 15% & 20% to our premium each year.

Really, what a statement lol

We've read lots of stories here when Insurance companies REFUSED to insure people if they didnt accept the price hike
Theres always uninsured vehicles and they dont affect the insurance market imo.
If the Insurance companies were so desperated about money, they would drop the prices and insure EVERYONE !

coolbeans · 22-01-2011 5:29pm

MarkoC wrote: »

Really, what a statement lol

We've read lots of stories here when Insurance companies REFUSED to insure people if they didnt accept the price hike
Theres always uninsured vehicles and they dont affect the insurance market imo.
If the Insurance companies were so desperated about money, they would drop the prices and insure EVERYONE !

Your argument is defined by sheer ignorance and a complete and utter absence of logic. I think my work here is done. Never argue with an fool for he'll only drag you down to his level and beat you with experience. :P

MarkoC · 22-01-2011 5:43pm

coolbeans wrote: »

Your argument is defined by sheer ignorance and a complete and utter absence of logic. I think my work here is done. Never argue with an fool for he'll only drag you down to his level and beat you with experience. :P

Sry but i disagree with you here.

Overall its the opposite, you get paid well if you sell more, thats the global business logic !
But if you think like local, its nearly impossible to prove the opposite

Life shows clearly that big businesses who sell more for cheap, survive in Ireland.
Its a common sense in the world market and nothing to do with my personal absence of logic

diamondtooth · 22-01-2011 5:49pm

I know of an uninsured car aswell that I want to report.

But who should I report it too?

mathepac · 22-01-2011 5:54pm

MarkoC wrote: »

Really, what a statement lol ..,

I'm rather dumbfounded that the issue of legally insured drivers having to fund uninsured drivers who have crashes is a source of amusement for you.

MarkoC wrote: »

... We've read lots of stories here when Insurance companies REFUSED to insure people if they didnt accept the price hike ...

The price of bread and spuds also went up; this didn't entitle people who wanted bread or spuds at the old prices to pay the old prices at the supermarket checkout.

If someone wants motor insurance they have choices;

either pay the premium quoted
get a cheaper quote
or don't drive.

Seemplez

MarkoC wrote: »

... Theres always uninsured vehicles and they dont affect the insurance market imo. ...

They may be there now, I don't agree that there will always be uninsured vehicles on our roads. Our aim should be to eliminate them. If you believe that uninsured vehicles and drivers don't effect the insurance market, then perhaps you need to educate yourself better about the current state on the insurance market in Ireland, and our need for the MIBI, funded directly from premiums paid by legally insured drivers.

MarkoC wrote: »

... If the Insurance companies were so desperated about money, they would drop the prices and insure EVERYONE !

Motor insurance is a legal necessity and in general the premiums charged reflect the risk undertaken.

I am not a fan of insurance companies, I see them as a necessary evil, but in order to effect an immediate reduction in accidents, deaths, uninsured claims, and in premiums overall, the easiest thing to do would be to get all uninsured drivers off the road, IMHO.

Mr NoTV · 22-01-2011 5:55pm

Dob him in. I'm sick and tired of these people who think they can hit walls, bend a phone pole or scrape a car ... and run - usually calling 'daddy' to get the tractor out of a night to get the car home and into the back yard where nobody will see it. This leaves the wall owner, €ircom or the unfortunate party with a bill - quite a big one if it's a dry-stone wall that needs repairing.
Driving is NOT a right but a privilege - earned and funded. No funds? Then get off the road! We always end up paying for these lamers.

mathepac · 22-01-2011 5:58pm

diamondtooth wrote: »

... But who should I report it too?

Maybe start here -

"Garda Confidential Line This FreePhone number allows you to leave information on criminal activities confidentially on a voice recorder, so you do not speak to any person. All details given are handled in the strictest confidence.
The Garda Confidential Line Number is: 1 800 666 111"

http://www.crimecouncil.gov.ie/crimestoppers.html#Confidential

CarrickMcJoe · 22-01-2011 6:07pm

Report it.
Saw a guy early one Sunday morning drive out of a side street at speed nearly hitting a car with an old couple in it.
Reached for my phone to report it but didnt have it with me.

Cut a long story short, heard thet evening the guy crashed head on into a car killing the driver, he also died and to this day I regret not having that bloody phone with me.

obliviousgrudge · 22-01-2011 6:08pm

Don't say anything, times are tight, the last thing people need is people grassing others.

Sids Not · 22-01-2011 6:09pm

mathepac wrote: »

Maybe start here -

"Garda Confidential Line This FreePhone number allows you to leave information on criminal activities confidentially on a voice recorder, so you do not speak to any person. All details given are handled in the strictest confidence.
The Garda Confidential Line Number is: 1 800 666 111"

http://www.crimecouncil.gov.ie/crimestoppers.html#Confidential

Think you'll find this helpful............................:)

MarkoC · 22-01-2011 6:16pm

mathepac wrote: »

1. The price of bread and spuds also went up; this didn't entitle people who wanted bread or spuds at the old prices to pay the old prices at the supermarket checkout.

2. If someone wants motor insurance they have choices;
either pay the premium quoted

get a cheaper quote

or don't drive.

Seemplez
3. I don't agree that there will always be uninsured vehicles on our roads. Our aim should be to eliminate them. If you believe that uninsured vehicles and drivers don't effect the insurance market, then perhaps you need to educate yourself better about the current state on the insurance market in Ireland, and our need for the MIBI, funded directly from premiums paid by legally insured drivers.
Motor insurance is a legal necessity and in general the premiums charged reflect the risk undertaken.

4. I am not a fan of insurance companies, I see them as a necessary evil, but in order to effect an immediate reduction in accidents, deaths, uninsured claims, and in premiums overall, the easiest thing to do would be to get all uninsured drivers off the road, IMHO.

1. Prices of bread came down if you didnt notice that, Always special offers, bought Brennans Family Pan today from Centra for 1.09, year ago it was nearly 2 yoyos ? Dont blame you if you dont fo your family shoppings :P
2, totally agree with you BUT, in fair price
3. you living in a dream world lol there were always prostitutes, killers and uninsured vehicle drivers and ALWAYS will be ! About educating myself, well i suggest you to educate yourself too, just simplu ask yourself a wuestion, who are ruling the wordl and get google help

4. And at the end of the day we should all wear a tracking device under our skin, be afraid of the big brother and pay and be like milkcows ..

Thats the whole point of the world, to make you pay as much as possible so the bifg brothers could enjoy laughing at you ...

Dont you see that we all became sheep ?

Just PAY or you will be reported !

PAY PAY PAY PAY PAY.

300 y ago people paid around 10% of theyr incomes, today you pay around 80% and thats what you call freedom or good INSURED life ?

Pure Matrix

And i still keep paying even if i disagree with all this **** ...
Im a sheep like all payers ... and i hate myself beying 1 of the sheep ...

And at the end of the day, if i had no money for the insurance and my kids needed a food, i would drive without it, no question about it ...

Irish Fire · 22-01-2011 6:17pm

Nail them!!!!!!

kirving · 22-01-2011 6:18pm

You could stop him driving around uninsured another way too - smash up his car tonight. Best part is, he has no insurance to cover it!

*May not be legal....

Pkiernan · 22-01-2011 6:18pm

FYI - The Gardai will tend to do nothing.

My gf has reported 3 uninsured and untaxed vehicles owned and in daily use by her neighbours.

She has made 2 separate complaints to the Guards who will not do anything about it.

She even asked the cops if it was okay to drive without tax and insurance. They replied that it was not. But still they won't do anything about it.

I cannot understand why they won't. Anyone got any ideas???

Pkiernan · 22-01-2011 6:20pm

emmetmcl wrote: »

Don't say anything, times are tight, the last thing people need is people grassing others.

Wonder if you will feel the same way when an uninsured motorist writes off your car, leaving you with a big fat juicy premium hike next year.

Eoin · 22-01-2011 6:30pm

MarkoC wrote: »

Really, what a statement lol

We've read lots of stories here when Insurance companies REFUSED to insure people if they didnt accept the price hike

Of course people will be refused insurance if they're not going to pay what the company is looking for! Would you not refuse to sell a product if the customer wasn't prepared to pay what you wanted for it?

MarkoC wrote: »

Theres always uninsured vehicles and they dont affect the insurance market imo.

From the MIBI website:

All insurance companies underwriting motor insurance in Ireland must, by law, be members of MIBI and contribute to funding for claims in proportion to market share.

So you can see there is a very real and direct effect on the market and premiums we pay.

MarkoC wrote:

Overall its the opposite, you get paid well if you sell more, thats the global business logic !
...
If the Insurance companies were so desperated about money, they would drop the prices and insure EVERYONE !

You don't always get paid well if you sell more; if the cost of you selling more is not worth your while.

Do you really think that all the insurance companies (who are trying to generate profits) have missed out on some fundamental rule of business that only you are aware of?

You really think that a load of untaxed and uninsured drivers could really be a good thing?

Seriously, you're not making any sense.

kildare.17hmr · 22-01-2011 6:34pm

OP how do ya know tghe car is not insured??

Cartel Mike · 22-01-2011 6:37pm

OP if you were that concerned about the safety and well being of random people you would have done it already.

Jesus this thread is like a Victor Meldue conference.

I once didn't pay my tv licence what you think about that?

MarkoC · 22-01-2011 6:42pm

Eoin wrote: »

Do you really think that all the insurance companies (who are trying to generate profits) have missed out on some fundamental rule of business that only you are aware of?

I really dont understand the cap between 800 and 4000 yoyos between 2 insurance companies, really i dont and im really sorry about that.
And even this 800 sounds too expensive in many cases.
Its really weird that in the countries, here the car prices and car parts (cat A parts) are nearly the same, labour is a bit cheaper, maybe 10-20% in the main dealers garage, insurance prices are over 3 times cheaper ... Isnt that the Insurance bosses are after 300K salarys ? And ther secretarys after 50K salarys >?
But if you cant see the whole insurance thing in global climate, i dont blame you ...

CoDy1 · 22-01-2011 7:07pm

MarkoC wrote: »

I really dont understand the cap between 800 and 4000 yoyos between 2 insurance companies, really i dont and im really sorry about that.
And even this 800 sounds too expensive in many cases.
Its really weird that in the countries, here the car prices and car parts (cat A parts) are nearly the same, labour is a bit cheaper, maybe 10-20% in the main dealers garage, insurance prices are over 3 times cheaper ... Isnt that the Insurance bosses are after 300K salarys ? And ther secretarys after 50K salarys >?
But if you cant see the whole insurance thing in global climate, i dont blame you ...

The what now?

Sofiztikated · 22-01-2011 7:08pm

MarkoC wrote: »

1. Prices of bread came down if you didnt notice that, Always special offers, bought Brennans Family Pan today from Centra for 1.09, year ago it was nearly 2 yoyos ? Dont blame you if you dont fo your family shoppings :P
2, totally agree with you BUT, in fair price
3. you living in a dream world lol there were always prostitutes, killers and uninsured vehicle drivers and ALWAYS will be ! About educating myself, well i suggest you to educate yourself too, just simplu ask yourself a wuestion, who are ruling the wordl and get google help
4. And at the end of the day we should all wear a tracking device under our skin, be afraid of the big brother and pay and be like milkcows ..

Thats the whole point of the world, to make you pay as much as possible so the bifg brothers could enjoy laughing at you ...

Dont you see that we all became sheep ?

Just PAY or you will be reported !

PAY PAY PAY PAY PAY.

300 y ago people paid around 10% of theyr incomes, today you pay around 80% and thats what you call freedom or good INSURED life ?

Pure Matrix

And i still keep paying even if i disagree with all this **** ...
Im a sheep like all payers ... and i hate myself beying 1 of the sheep ...

And at the end of the day, if i had no money for the insurance and my kids needed a food, i would drive without it, no question about it ...

MarkoC wrote: »

I really dont understand the cap between 800 and 4000 yoyos between 2 insurance companies, really i dont and im really sorry about that.
And even this 800 sounds too expensive in many cases.
Its really weird that in the countries, here the car prices and car parts (cat A parts) are nearly the same, labour is a bit cheaper, maybe 10-20% in the main dealers garage, insurance prices are over 3 times cheaper ... Isnt that the Insurance bosses are after 300K salarys ? And ther secretarys after 50K salarys >?
But if you cant see the whole insurance thing in global climate, i dont blame you ...

Hi, welcome to my ignore list. Make yourself at home, you'll be there a while.

Seriously, that second post doesn't actually make sense. Honestly. Oh and its Euro. Or €. Not yoyos. Makes you sound like a tit.

Are you trying to say you recommend not buying insurance because CEO's get highly paid? What about the CEO's of the car marque that you are driving? They get highly paid. Should you not pay for a car then either?

My insurance is €582 this year, fully comp. That means should anything happen to my car, or if I happen to make an error, and crash into someone elses property/car, damages for up to €30,000,000 are covered. I know for certain I don't have access to €30,000,000. I don't know for certain that an error won't occur.

OP, regardless of the age of the car, rat them out. At least then you have done your bit. If it's not followed up on, then at least your mind will be at ease should something happen.

sdanseo · 22-01-2011 7:13pm

I'd be wary. I know of someone who was down on their luck, driving along, rolled into a cab driver who proceeded to screw them for everything they had. Cost of insurance tripled, this person had no other way to get to work and worked late nights till after public transport hours; and yes drove without it for a short period of time. All settled now, but at the time while illegal it was out of complete nessecity.

If on the other hand this guy is roving round on Sundays in this thing and appears to be perfectly able to go about his business, perhaps in another car, then that's different. Remember that if he's insured on ANY car, if he doesn't actually own the vehicle in question then he's likely insured to drive it.

MarkoC · 22-01-2011 7:34pm

Sofiztikated wrote: »

Seriously, that second post doesn't actually make sense. Honestly. Oh and its Euro. Or €. Not yoyos. Makes you sound like a tit.

Are you trying to say you recommend not buying insurance because CEO's get highly paid? What about the CEO's of the car marque that you are driving? They get highly paid. Should you not pay for a car then either?

Sy, for me personally €'s are yoyos, seems you one of the least who dont mss the old good pound, whatever, thats not the case here but i appreciate you pointed me that terrible mistake i made here by calling Euro mpney as yoyo.

Feel free to use the ignore list, im not going to cry here, all im sayng that people pay way TOO MUCh for the taxes and insurance in this recession and sspecially Insurance companies dont make ANY sense with theyr price difference.

For example in Estland the difference between 2 insurance companies is max 200 YO YO-s and its all regulated ny national regulator, in ireland theres NO LAW which regulates these hungry muppets ?
Well theres is some sort of regulator who does basicly nothing.

Had a case 4 years ago, not my fault, just road assistance case. They (AXA) owed me 700+ Yo Yo's and i got it after 2 years with the help of my solicitor to whom i paid half of the money insurance company owned me ..
Justice eh ? Was MY money they owed me, why the hell theres so many court cases ?
And thats the main reason the insurance is so high that the lose too often in courts and have to pay out more money than it was claimed in the first stage ! Oh and of course theyr huge wages are 1 part of it-

Well im in your ignore list now so i wont expect any anwers to my last question :P

Mr NoTV · 22-01-2011 8:06pm

Victor MelDREW ...

)

kildare.17hmr · 22-01-2011 8:07pm

haha nice 1 markoc:D

goat2 · 22-01-2011 8:09pm

emmetmcl wrote: »

Don't say anything, times are tight, the last thing people need is people grassing others.

what is that about,,, if that person who is not insured hits someone putting them in wheelchair, they will not have a dime from him, the taxpayers would be footing the bill,,,, of course report him/her

Mr. Presentable · 22-01-2011 8:11pm

Report him. Consider how you will feel if tomorrow he hits your nearest and dearest and you knew you could have maybe prevented it.

Mycroft H · 22-01-2011 8:17pm

Open drive policy ?

Maybe he has another car with an open drive policy? Allowing him to dirve legally the car that supposedly uninsured.....

CoDy1 · 22-01-2011 8:26pm

landyman wrote: »

Open drive policy ?

Maybe he has another car with an open drive policy? Allowing him to dirve legally the car that supposedly uninsured.....

Open drive means any one can drive your car, you are talking about DOV (driving other vehicles) and this does not extend to cover a vehicle also owned by you.

kildare.17hmr · 22-01-2011 8:30pm

alot of asumptions here, id like the op to tell us how they know the car or the driver is uninsured before he goes reporting any1

JerCotter7 · 22-01-2011 8:31pm

landyman wrote: »

Open drive policy ?

Maybe he has another car with an open drive policy? Allowing him to dirve legally the car that supposedly uninsured.....

Car has no NCT either so that wouldn't work.

CoDy1 wrote: »

Open drive means any one can drive your car, you are talking about DOV (driving other vehicles) and this does not extend to cover a vehicle also owned by you.

Maybe it isn't owned by him?

kildare.17hmr · 22-01-2011 8:36pm

JerCotter7 wrote: »

Car has no NCT either so that wouldn't work.

diesnt say anywhere in my policy the other car im driving has to have an nct

dr.fuzzenstein · 22-01-2011 8:41pm

Pkiernan wrote: »

FYI - The Gardai will tend to do nothing.
I cannot understand why they won't. Anyone got any ideas???

Breakfast Rolls.

JerCotter7 · 22-01-2011 8:51pm

kildare.17hmr wrote: »

diesnt say anywhere in my policy the other car im driving has to have an nct

That's if the car has insurance. With Quinn it doesn't need insurance but needs tax and NCT.

should i report uninsured car

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