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| Motorist ripped off - Page 2 | |
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| Posted: Sun Dec 2nd, 2012 16:27 |
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11th Post |
Robert
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Yes, In fact you can't insure a van as a private, non commercial vehicle, try taking a van into a local authority recycling centre, or through the blackwall? tunnel under the Thames, they charge you more than double the car rate even for a car derived van. I tried to take Louise over the Severn Bridge some years ago, but the toll was so high for my little van that I refused, and caused chaos while I was escorted out via a service exit, which probably cost them ore than letting me through at the car rate but I was indignant I wasn't paying their rip off charges. I enquired of my current car insurance company whether I would be OK carrying a bucket of tools to a job in my Astra estate car, which is a van with windows, they were horrified, saying I must under no circumstances engage in commercial activities because they are not registered for that type of insurance business. What a strange world we live in. I hate to say this but we need some major catastrophe to shock some of these wasteful ideas and principles out of existence.
____________________ Robert. |
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| Posted: Sun Dec 2nd, 2012 16:34 |
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12th Post |
jk
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A complete failure of Lloyds would only result in loads of whinging aristocrats and chinless wonders going on the dole as they had lost all their money. I dont buy/use insurance except for the car which is obligatory. The amount saved in premiums pays for any necessary repairs.
____________________ Still learning after all these years! https://nikondslr.uk/gallery_view.php?user=2&folderid=none |
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| Posted: Sun Dec 2nd, 2012 16:40 |
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13th Post |
Andy
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i don't really understand insurance.....spoke to my current insurance company.....if I put Ieuan on as the main driver with me being named driver they would charge £1,600. Thing is my car is a Citroen C4, 1.4 VT coupe.......what ever way I go I dont think I'll bet buying myself a christmas present this year.
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| Posted: Sun Dec 2nd, 2012 17:01 |
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14th Post |
Eric
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Robert wrote:Yes, In fact you can't insure a van as a private, non commercial vehicle, try taking a van into a local authority recycling centre, or through the blackwall? tunnel under the Thames, they charge you more than double the car rate even for a car derived van. I tried to take Louise over the Severn Bridge some years ago, but the toll was so high for my little van that I refused, and caused chaos while I was escorted out via a service exit, which probably cost them ore than letting me through at the car rate but I was indignant I wasn't paying their rip off charges. Well just goes to show how things have changed with commercial vehicles. I am surprised at the comment regarding the tools in your car. I frequently carry the 'tools' for my business use in my car and I am covered.???
____________________ Eric |
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| Posted: Sun Dec 2nd, 2012 17:11 |
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15th Post |
Eric
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jk wrote:A complete failure of Lloyds would only result in loads of whinging aristocrats and chinless wonders going on the dole as they had lost all their money. Not even you camera gear?? I have my camera gear insured which includes public liability cover. All it would take is a lamp to drop on someone's head....fortunately the only time that happened to date it was on MY head! I did consider suing myself. 
____________________ Eric |
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| Posted: Sun Dec 2nd, 2012 17:19 |
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16th Post |
steve of oxford
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Robert wrote:Seems to me they don't want the business. Yes I have an idea.....nationalise insurance companies, they've been ripping us off for years. Same with fuel distribution, there's a cartel begging to be broken, nationalise those buggers as well. As for the female driver thing, well I'm afraid I see lower rates for women as an example of sexual discrimination, and they are actually a higher risk in situations requiring reaction & focus. In my view, insurance should be based on wnkr factor, because that would bode well with innocent until proven guilty. For example, a presentable educated young lad with good references, maybe a full motorcycle license, who wants to insure a 106, Corsa etc is innocent and a low risk. Retrospectively, the wnkr factor would instantly clear the roads of farm boys, subarus, audis, vans, buses and plant hgv's....the main causes of accidents in the UK. I'd also make road rage legal in certain circumstances, and ban bus lanes or make it illegal for buses to use ordinary carriageway. Cutting people up for no justified reason particularly on roundabouts would carry a sentence of smashed fingers on both hands. Tailgating on the motorways, now that one gets me.....tailgaters should be strapped to some device and propelled head first at 70 mph into a large steel block. Personally when someone tailgates me I just dab the brakes hard, that usually lets em know they were too close. It's also amusing to watch them swerving around in a panic trying to avoid a collision because the thought of them being in the wrong if they touch your car has flashed painfully through their tiny brains in less than a tenth of a second. This is the problem, due to our nanny surveillance state it's no longer possible to punish anyone who has it coming without some bloody nosey parker camera on you. Gone are the days when you gave someone a black eye and this is one reason why we have idiot killers on the road.
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| Posted: Mon Dec 3rd, 2012 03:00 |
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17th Post |
blackfox
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andy there is a way around the high teenager insurance ,my grandson passed his test this year and was faced with the same problem ,we researched and found a company that fit trackers to the vehicle and then limit driving to between the hours of 6a.m and 11p.m .this effectively cut the premium to £2000 ,still high but just within the expected budget and thats on a 1.4 peugeot 206 . j.k not taking out insurance over here is a fools errand these days ,with the natural disasters we seem to be encountering almost daily .although how long it remains affordable is anyones guess after the flooding of this year though . steve petrol company cartels and energy company cartels (mostly french and german owned) are behind a lot of our sorrows ,but the goverment wont do a thing as they all probably have large shares in the companies GGGRRRRRRRRRRRRRRRRRRRRRRRRRRR
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| Posted: Mon Dec 3rd, 2012 07:10 |
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18th Post |
Robert
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Insurance is one thing I have never skipped, Lapsed MOT's, Car Licence duty holidays and exceeding the speed limit yes but never no insurance. Now it's a fools errand, the roadside cameras can clock your number and check instantly if you are insured and up to date with MOT and licence, you simply get a massive fine and a ban through the letterbox. Many of the cameras are mobile and hidden. They can even put cameras in the cat's eyes in the middle of the road and on bridges. Talk about big brother...
____________________ Robert. |
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| Posted: Mon Dec 3rd, 2012 10:17 |
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19th Post |
Ray Ninness
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Insurance companies !!!! Always make a profit, and our yearly premium increases assure that!!! After 20 years I stopped my commercial camera insurance policy, in 20 years I never had a claim against it, and pretty much paid $20,000 for that privilege  With my four car, two motorcycle fleet, insuring that mess is getting prohibitive, especially for a retiree, with expensive tastes!!! The bad part is that insurance is so expensive, that it's getting harder to afford the stuff that needs insuring??? catch 22 perhaps??? :dumb:
____________________ Ray Ninness F8Photos.com Bedford, New Hampshire USA |
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| Posted: Mon Dec 3rd, 2012 12:12 |
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20th Post |
steve of oxford
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Ha ha! well as it happens I've just been driving one of my cars for two weeks without road tax. Up yours DVLA !
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