GolfGTIforum.co.uk
General => Insurance => Topic started by: Mooby on 04 April 2008, 15:51
-
I would never drive uninsured... But why is it whenever you hear of some 18 year old pikey tooling around uninsured and getting caught for it, they only seem to get something like a £500 fine? My first year of having the VR6 I payed £1200 for TPFT. :angry:
It seems like the judges that impose these fines are totally out of touch with how much it actually costs a younger person to insure a car! Surely they should get a quote for insuring said person on said car, and then at least double that to get the fine?
Just venting... don't mind me :evil:
-
No you fool, this is England! we don't punish our criminals here - we victimise the victims further - that my friend is called justice! I.E. you get hit by an uninsured driver, he get's a £500 fine, and you have to claim so your insurnace goes up by 50% for the next 3 or 4 years!
-
Ah yes sorry I forgot that I signed up to be the real criminal by passing my driving test and paying my taxes. My bad. I should've read the small print at the time, now it's too late!
I guess someone needs to pay for Tony blair's TV licence (http://news.bbc.co.uk/1/hi/uk_politics/7329749.stm), it may as well be me. I had no other plans for that money anyway.. my 5 month old daughter could probably do with losing weight I guess :sad:
I do often wonder why I bother continuing to live in this country. I think its only because the odds of someone shooting you, or of local wildlife eating/poisoning you, are much reduced than in most other countries.
-
So someone caught driving w/out insurance or nulled insurance due to mods or what have you only get a 500 quid fine and no points, losing license etc etc? thats balls.
-
Sorry lads this is not true for driving with out insurance they will
1.take your car of you then and there and crush it unless you can prove it was insured.
2. Have a 2 year driving ban
3. Have to retake your driving tests
4. And then your insurance will cost a bomb!!
So Dont do it Get insured!!
-
What happens if I bought some aftermarket alloys and didn't tell my insurers? Couldn't I just say they were on the car when I bought it? Or should I tell them?
-
Sorry lads this is not true for driving with out insurance they will
1.take your car of you then and there and crush it unless you can prove it was insured.
2. Have a 2 year driving ban
3. Have to retake your driving tests
4. And then your insurance will cost a bomb!!
So Dont do it Get insured!!
this is what the police will tell you but i know someone who got caught twice in a month with no tax AND no insurance, what do you think he got?
the first time he got caught, a slapped wrist
the second time, £250 fine and a section 51(this is just an official warning for antisocial driving)
and i get a £200 fine for my tires being 'unsuitable' for the wheels?!(205's on a 8.5j) There is no justice in this country!
Peace out............
-
richardhamm,
sorry Richard but you are quoting what they could be given, in reality they walk away laughing having saved a fortune by not paying for insurance, most dont stop anyway and if the cars too badly damaged to drive they do a runner. Unfortunately they rarely seem to get seriously injured.
-
A guy I know got caught driving drunk with no licence, MOT, or insurance (can't remember if it was taxed at the mo but I'm guessing not) and 7 people in a car designed for 5. He got a years ban (from a licence he didn't have in the first place!) fine and court charges totalling about £500 and was ordered to attend a drink driving aweness course thingy, which he never actually went to and never had any comeback about!
To be fair this was a fair few years ago, so maybe things have toughened up slightly, but that's just rediculous.
By the way Shady - it's your responsibility to know what mods are on your car, even if they were on there when you bought it - most companise won't charge any extra just for wheels anyway.
-
I'll have to give them a ring and see, mine has some standard alloys on it atm but don't wanna be paying extra on insurance just because of alloys. Cheers.
-
Opps, one thing I should have mentioned, even though I doubt it will effect your premium much, there will usually be an admin charge of about £30 - £40, so it might be worth either waiting until you need to re-new anyway, or if you have other mod planned do them all at once so you only pay the admin fee once.
-
Ahhh, I see, well exterior mods I'm only doing the alloys and changing the lights / repeaters, not worth telling them about that considering they cost me bugger all anyway. Need to find some alloys before I get them to do anything as well lol!
-
What happens if I bought some aftermarket alloys and didn't tell my insurers? Couldn't I just say they were on the car when I bought it? Or should I tell them?
You should be okay. There's something in the Road Traffic Act along the lines of '... no clause by the insurer over the condition of the vehicle shall affect a third party's right to claim'. (Not quoting verbatim but you get the idea.)
ALL the police/courts are interested in is whether you have insurance in place to compensate someone else in the event you have an accident and it's your fault. Insurers are obliged to pay out even if you have broken a contractual term in the insurance contract - say for example you uprate the engine without telling them.
I'm NOT however recommending that you don't tell your insurer about mods. In the event you have a crash and they have to pay out to the innocent party, they can still reclaim the money from you afterwards, and getting insurance from anywhere may prove difficult.
-
We had a case of someone who was stopped for no insurance, the Police took the car and crushed it then when he came to court he was given fines and costs of £1000 and banned for six months, love it :grin:
-
all mods,ie; anything non standard to the car as when supplied from new and not factory spec has to be declared to the insurance company.Insurance companys will look for any excuse not to pay out on a claim.If your wheels, exhaust, suspension even k+n filters etc. is non standard then tell them.They, ( the insurance company) see mods as making your car more nickable or more prone to vandalism etc.etc.Read the small print of your policy, its there in black and white.
And whilst on the subject of non-insured drivers, my mate got done for having no insurance; ( fool) car towed away,nearly 170.00 release fee, 200.00 fine and 6 points.
In the local paper a guy with no insurance fined etc. exactly the same BUT
a eastern european person with no TAX and INSURANCE got no points and no fine!!They claimed they thought they was insured etc. yet another case of them and us .
RANT finished.
-
DAMN THE POLISH!!! (No offense to Polish people) but seriously, why do they get away with so much as opposed to us that have lived here all our lives?
Maybe next time my tax runs out and I get pulled, I'll just say:
"Sorry officer, thought it ran out next year...what ya gonna do when ya Polish eh?" *wink wink*
-
Have you people not seen the Polish registered cars for sale on Fleabay?
It's the pikey-est way of not getting pulled ever!
-
Have you people not seen the Polish registered cars for sale on Fleabay?
It's the pikey-est way of not getting pulled ever!
I'm too lazy to look, provide a linkage? LOL!
-
People regardless of where their from will continue to get away with everything they can as long as the government let them :angry:
-
I can top all of those...
My mate was driving his car (that I had just sold to him), he had no Tax, no MOT, no insurance and only a provisional licence. He promptly gets pulled by the cops, and they get him in the car, have a massive go at him, take his car keys and tell him its getting impounded and he's going to court.
So he comes to me the next day panicking and tells me what happened, so to save any hefty impound fees, I tell him lets go to the station and sort it out. We drop by the police station and tell the desk cop what happened and to ask where the car was, but there was no record of my mate getting pulled over, and we we're both too stupid to remember the registration plate.
We left the station to go back to his to get the V5, and round the corner, where he gets pulled over, the car is still parked and locked at the roadside. I still had a spare key for it, so my mate jumps in it and shoots home, puts it in the garage and gets his licence two weeks later.
He hasn't ever heard anything about the incident since. Some police force we have eh?
-
I can top all of those...
My mate was driving his car (that I had just sold to him), he had no Tax, no MOT, no insurance and only a provisional licence. He promptly gets pulled by the cops, and they get him in the car, have a massive go at him, take his car keys and tell him its getting impounded and he's going to court.
So he comes to me the next day panicking and tells me what happened, so to save any hefty impound fees, I tell him lets go to the station and sort it out. We drop by the police station and tell the desk cop what happened and to ask where the car was, but there was no record of my mate getting pulled over, and we we're both too stupid to remember the registration plate.
We left the station to go back to his to get the V5, and round the corner, where he gets pulled over, the car is still parked and locked at the roadside. I still had a spare key for it, so my mate jumps in it and shoots home, puts it in the garage and gets his licence two weeks later.
He hasn't ever heard anything about the incident since. Some police force we have eh?
Thats quality!! :laugh:
-
My mate got caught driving whilst on his ban. He was banned the first time because of no insurance.
He had 2 options...
1 - fine and points + long community service hours
2 - go inside for 3 months
he chose number 2 :grin: