Insurance and the uninsured

msg11

Not sure if anyone heard the last topic on the FM104 phoneshow tonight. I realise I share the road with some absolute uninsured morons. Which I knew before just didn't know how moronic these people are.

One didn't understand how Adrian was paying his insurance, because he didn't have one (insurance).

Also some other plank, who didn't see the difference between been insured and uninsured. Basically the Irish Insurance Federation are handing out money from thin air.

Then this other bloke, who justified driving with no insurance because he only used the car twice a week but hold on folks, 'he is a safe driver'.

Now , I think it's time. We changed the way we do insurance in Ireland to stop these fools costing genuine people like myself and others who follow the law paying insurance so high for these jokers.

We should do away with car tax and insurance, and pile it on the price on petrol, the more you use the more you pay. Simple as, everyone is insured.

In the mean time, if your moronic to have no insurance. Your also going to take other risks more often such as drink driving and dangerous driving because you basically don't give two ****s.

So my suggestion , is there and then the person car is taken and sold. Also there license also removed from them for 1 year or more... If the person is caught at the scene of an accident, they should be hounded to the ends of this earth for the money back from the claim they made. They wouldn't be so quick to hope in the car without insurance if they had to fork out for the claim they make.

What are others feelings on this, I am sick of paying threw the roof for insurance... Something has to be done, cause the uninsured are giving the two fingers to all insured drivers and saying sure the insured pay for it.

Saila

the phone show lmao do people still listen to that ****e?

Balfie

I don't know what a tracker mortgage is..

Hank_Jones

msg11 wrote: »

Not sure if anyone heard the last topic on the FM104 phoneshow tonight. I realise I share the road with some absolute uninsured morons. Which I knew before just didn't know how moronic these people are.

One didn't understand how Adrian was paying his insurance, because he didn't have one (insurance).

Also some other plank, who didn't see the difference between been insured and uninsured. Basically the Irish Insurance Federation are handing out money from thin air.

Then this other bloke, who justified driving with no insurance because he only used the car twice a week but hold on folks, 'he is a safe driver'.

Now , I think it's time. We changed the way we do insurance in Ireland to stop these fools costing genuine people like myself and others who follow the law paying insurance so high for these jokers.

We should do away with car tax and insurance, and pile it on the price on petrol, the more you use the more you pay. Simple as, everyone is insured.

In the mean time, if your moronic to have no insurance. Your also going to take other risks more often such as drink driving and dangerous driving because you basically don't give two ****s.

So my suggestion , is there and then the person car is taken and sold. Also there license also removed from them for 1 year or more... If the person is caught at the scene of an accident, they should be hounded to the ends of this earth for the money back from the claim they made. They wouldn't be so quick to hope in the car without insurance if they had to fork out for the claim they make.

What are others feelings on this, I am sick of paying threw the roof for insurance... Something has to be done, cause the uninsured are giving the two fingers to all insured drivers and saying sure the insured pay for it.

In fairness though, the people that listen to that show aren't comparative to Irish society as a whole.

They are much, much dumber.

AlmightyCushion

Moved from after hours.

jamesr123

I am exactly the same as you mate. I am saving and saving and saving just so I can pay off my insurance and it really sickens me to see lads my age driving around with no insurance like they are bullet proof:mad::mad: But they don't pay insurance and that's why they can afford to drive a few cars.

I do know a few people driving around with no insurance and even no license:eek: my neightbour comes to mind has a range of cars from a 2005 mondeo to a 1999 is200 and a skyline with a really nice bodykit and never been insured on any of them, He also has a few motorbikes. He has a license for the car but nothing for the bike. It just aint right considering what others have to pay for insurance......

AlmightyCushion

jamesr123 wrote: »

I am exactly the same as you mate. I am saving and saving and saving just so I can pay off my insurance and it really sickens me to see lads my age driving around with no insurance like they are bullet proof:mad::mad: But they don't pay insurance and that's why they can afford to drive a few cars.

I do know a few people driving around with no insurance and even no license:eek: One lad that comes to mind has a range of cars from a 2005 mondeo to a 1999 is200 and a skyline with a really nice bodykit and never been insured on any of them, He also has a few motorbikes. He has a license for the car but nothing for the bike. It just sint right considering what others have to pay for insurance......

Report him to the gardai so.

jamesr123

AlmightyCushion wrote: »

Report him to the gardai so.

He has been stopped several times..He was stopped on the main road the other day (youngfella drivin those type of cars would be a target for the gardai i'd imagine) nothing has ever come from it.. Unless he is waiting on a nasty letter from the gardai?

CiniO

I think it's all the result of the insurance system we have in Ireland.

You buy insurance which usually is very dear, and it usually covers only yourself, and only in specific circumstances, only when you are driving privately, only if your car is not modified, etc, etc,etc....

That's a joke.
There is barely any law regarding insurers, so they cover whatever they want.

I pay insurance, but there's so many circumstances that can cause my insurance to be void, that it really scares me.
It's a private insurance, so if I only dare to use my car to carry a small load connected with my employment - I'm not insured. If i do, even a small modification to my car (say I put new alloys) - I'm not insured. If I borrow a car to my friend - he's most likely not insured. If I change my job - I'm not insured.

My point is - that there's way to many cases when someone might become uninsured - very often even unintentionally.

Just for compare I'll tell you guys how it looks like in Poland.
Every car which is registered in the state has to be insured - no matter if it's driven or not. That's requirement towards car owners.
But on the other hand - all insurers are obliged to provide cover in almost all cases. That means, that I can use my car for whatever purpose I want to. I can modify it whatever way I like. Anyone can drive it. Just in all cases I'm insured. That's a legal requirement towerds insurers. That causes, that uninsured drivers are extremally rare on the roads.

Senna

msg11 wrote: »

We should do away with car tax and insurance, and pile it on the price on petrol, the more you use the more you pay. Simple as, everyone is insured.

Petrol would be about €2.00 per litre if tax and insurance was added. I'd be all for the idea, and i would be willing to pay an extra 50c or so per litre if i didn't have to pay tax or insurance (i'd have a collection of older big engine cars outside) but it will never happen in Ireland.

Vertakill

Sorry, but I have to say, piling the cost onto petrol is completely retarded. There are far, far too many variables to factor into insurance to just lump everyone into the same category.
You'd be throwing the importance of NCB's out the window and disincentivising safe driving.

The best method that I've heard about is what CiniO is talking about. Insuring the car, rather than the driver.



I was hit by an uninsured, untaxed, Czech driver once and he got away scot free. The Gardai didn't even bother their hole to follow it up.
However, I still got paid the money that I was owed by the MIBI. This made me think... why the fk am I paying thousands of euros for insurance when people can just drive around uninsured, get away with it, and they don't even have to feel guilty because the MIBI will bail the victim out if you hit them.

Absolutely retarded system.

Raskolnikov

Senna wrote: »

Petrol would be about €2.00 per litre if tax and insurance was added. I'd be all for the idea, and i would be willing to pay an extra 50c or so per litre if i didn't have to pay tax or insurance (i'd have a collection of older big engine cars outside) but it will never happen in Ireland.

Someone (no idea who) has said that if you wanted to pass the cost of motor tax onto fuel, you'd need to put another 50 cent charge on a litre. For insurance, I imagine you'd be looking at up to another Euro. That would give us petrol selling at €3 a litre.

TestTransmission

jamesr123 wrote: »

Unless he is waiting on a nasty letter from the gardai?

Or perhaps your facts are wrong and he is insured?

Atomic Pineapple

TestTransmission wrote: »

Or perhaps your facts are wrong and he is insured?

I agree, he probably has a garage/trade policy or something.

If you want to spread insurance costs out put it on the cost of buying a car like in Australia.