pajsh
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| posted on 24/9/09 at 12:17 PM |
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Un-insured Drivers
1.7 Million (1 in 10) - Un-insured Drivers
NEWS STORY
"The message to motorists is clear: driving uninsured is simply not worth the risk."
So confiscation of a £300 banger, 6 points and a £200 fine is a clear message is it. 
I used to be apathetic but now I just don't care.
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Bluemoon
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| posted on 24/9/09 at 12:20 PM |
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You would think the fine should be at least ~1k that would make you think a bit more about it after all your insurance is more than the ruddy fine
...
Dan
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02GF74
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| posted on 24/9/09 at 12:23 PM |
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oooh, you sew the lunchtime news too?
the 1.7 m statistic was the estiamte that that is how many drivers at some point driven o nthe road - this would ihnclude those that forgot to insure
and for short periouds of time as opposed to those who deliberately do so.
anyways, the staticstic of the number of deaths and injuries casued by them is astonishing; likewise £ 30 of everyone's insuracne goes towards
paying for the damage cause by them
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blakep82
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| posted on 24/9/09 at 12:38 PM |
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but for a lot of young drivers, the insurance cost many times the cost of the car. i remember getting quoted £3k insurance on a £200 car.
would have been better off without.
i didn't pay £3k either. best i got was £1200 or something
________________________
IVA manual link http://www.businesslink.gov.uk/bdotg/action/detail?type=RESOURCES&itemId=1081997083
don't write OT on a new thread title, you're creating the topic, everything you write is very much ON topic!
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oldtimer
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| posted on 24/9/09 at 12:42 PM |
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Our local paper has just had a good one in:
Local £$&# just been disqualified from driving for 2 years for driving whilst disqualified (..........), driving without insurance, driving with
defective tyres, using a handheld mobile phone and failing to surrender to bail. He got a 3 month suspended sentance and no fine - probably drove home
in his uninsured car....
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omega0684
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| posted on 24/9/09 at 12:49 PM |
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quote:
Originally posted by blakep82
but for a lot of young drivers, the insurance cost many times the cost of the car. i remember getting quoted £3k insurance on a £200 car.
would have been better off without.
thats fair enough for you if your happy to take the risk, but what if you crash into another car that has a family in it and you kill one of their
children or paralise one of the adults for life, which may cause that person to need constant care 24 hours a day for the rest of their lives, how
could you live with yourself knowing that you have destroyed anothers life!
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cd.thomson
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| posted on 24/9/09 at 12:53 PM |
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quote:
thats fair enough for you if your happy to take the risk, but what if you crash into another car that has a family in it and you kill one of
their children or paralise one of the adults for life, which may cause that person to need constant care 24 hours a day for the rest of their lives,
how could you live with yourself knowing that you have destroyed anothers life!
 
I'm not sure I could live with myself very well insurance or not.
Completely with you though Alex.
Craig
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rallyingden
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| posted on 24/9/09 at 01:01 PM |
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They should keep the uninsured car as it may be of use as a doner...........
AND crush the driver 
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smart51
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| posted on 24/9/09 at 01:12 PM |
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Make it simple. If you drive a vehicle that has been uninsured for a month or more (to cover those who forgot) then your car should be confiscated
until you bring along a valid insurance certificate AND pay a fine equal to the premium. If you don't produce a valid certificate in 30 days,
the car is crushed and you are fined what a 17 year old with 11 points on their licence would have to pay to insure it.
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AndyGT
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| posted on 24/9/09 at 01:14 PM |
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it always amazes me how:
a. people always asume that these people drive around in "bangers". This just leads to the fact that people think that a banger on the
road makes it uninsured and thus the police always harrassing banger drivers rather than other cars that are more likely to be uninsured due to the
cost of them. Would you drive a banger knowing the police will stop you two or three times a week or a moidernish renault/citroen etc that will be
let past.
b. people seem to give this paralysis/killing innocent child etc scenarios when infact it is anyone that can be paralysed and anyone that can be
killed by a driver uninsured or insured. Insurance is irrelevant. How can money givr back a family member?
Then if it is a big payout, insurance companies fail to payout anyway through a technicality and nobody screams "blue murder". It is
usually followed by lengthy court cases with hefty solicitor fees before anyone can claim to get a few quid.
Are people who modify their cars also uninsured if it is not standard? Alloy wheels and other crappy go-fast parts?
How do "no win no fee" solicitors effect insurance prices?
BUT, I DO AGREE THAT UNINSURED DRIVERS ARE SCUM , IN THE CORRECT CONTEXT OF UNINSURED (not through loop-holes) AND THEY CERTAINLY DON'T DRIVE
WITH A CONSCIENCE AT ALL.
Rant over!!!
PS I used to drive an old opel manta 3 years after I passed my test and in one week I was stopped 8 times. On one occasion the policeman said he
stopped me because I took the last bend strange ie I didn't cut it like everyone else and was driving correct!!
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britishtrident
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| posted on 24/9/09 at 01:57 PM |
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It is a bit like a politician saying he is shocked to learn 49% of hospitals have higher than average death rates.
The figures are (deliberately ?) distorted as they are based on accident statistics.
(1) A stolen car is I would guess 500 times more likely to be involved in an accident ---- the driver is of course uninsured.
(2) Any driver with an appalling driving record through drink drugs or plain dangerous driving is much more likely to be involved and accident
and is likely to drive an uninsured "throwaway" vehicle with a registration that can't be traced back to him.
Of course you must also consider the driver of any vehicle that attracts police attention in wee small hours of the night is highly likely to belong
either or both of the above categories.
[I] “ What use our work, Bennet, if we cannot care for those we love? .”
― From BBC TV/Amazon's Ripper Street.
[/I]
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02GF74
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| posted on 24/9/09 at 02:01 PM |
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quote:
Originally posted by smart51
Make it simple. If you drive a vehicle that has been uninsured for a month or more (to cover those who forgot) then your car should be confiscated
until you bring along a valid insurance certificate AND pay a fine equal to the premium. If you don't produce a valid certificate in 30 days,
the car is crushed and you are fined what a 17 year old with 11 points on their licence would have to pay to insure it.
far too complicated.
all petrol pumps read a special card that is valid only if the car is insured and taxed.
the pump nozzle is fitted with a sensor that reads the id of the car from the fuel inlet.
in other words, you cannot fill a car with fuel unless it is insured and taxed.
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omega0684
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| posted on 24/9/09 at 02:10 PM |
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quote:
Originally posted by 02GF74
all petrol pumps read a special card that is valid only if the car is insured and taxed.
the pump nozzle is fitted with a sensor that reads the id of the car from the fuel inlet.
in other words, you cannot fill a car with fuel unless it is insured and taxed.
seems like a very expensive approach to me, and getting all petrol companies to agree with it would be a right hassel.
then whats to stop an insured driver filling up a few jerry cans and then selling them or giving them to an unisured driver, sounds stupid i know, but
i bet you people would!
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02GF74
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| posted on 24/9/09 at 02:22 PM |
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well, you don't get sometng for nothing. 
pumps accept loyalty cards so that part is simple - it is ensuring that the card matches the car which is the tricky/ difficult bit.
how about this then.
instead of some sender/sensor combo in the pump nozzle/filler - that would be very hard to fit retrospectively, what about having ANPR that can work
out
what car is at each pump? ANPR work pretty well in car parks - I know that to be fact after paying £ 60000 fine.
and most, if not all petrol stations have recording equipment. it could be a manual process requiring the pump operator look out the window to see
the car with appropriate reg. is sitting at the pump.
the jerry can is an issue - that is how I fill the landy - and there should be a means to do this for when one runs out of petrol. need to ponder on
that one.
downside would be the increase in fuel theft from cars, like what happend last year when petrol went over £ 1 a litre .... but think of all the money
saved by cutting out the unnecessary beauracracy.
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CRAIGR
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| posted on 24/9/09 at 02:36 PM |
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quote:
Originally posted by 02GF74
ANPR work pretty well in car parks - I know that to be fact after paying £ 60000 fine.
.
£60000 fine You must have been naughty.
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Blackcab
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| posted on 24/9/09 at 02:41 PM |
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If they not bothered to insure it , they prob wont pay fine or be bothered if they get points so in most cases hardly a deterrent....
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pajsh
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| posted on 24/9/09 at 02:42 PM |
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The fine should be at least £2k with a 12 month ban if the insurance is more than 2 weeks over due. Every one gets reminders so there is no excuse for
forgetting. At £200 people are just going to laugh at it and let others pick up the bill. I drive 80 miles a day to Manchester and back and very
rarely see any traffic police or DVLA vans so there really is little danger of getting caught anyway.
Almost all "accidents" are caused by bad driving either though lack of concentration, awareness or just plain recklessness. (I did a rally
driving course once where the opening question was what can cause a car to loose control. After answers such as "too much speed",
"braking too late", "loss of traction" the instructor gave the answer as being simply one thing - "the driver" if
everyone drove properly there would be little need for insurance at all.
The general standard of driving I see on a daily basis is very poor with no indication, driving too close, too fast and being too aggressive. I have
always taught my kids (all who have learned to drive but don't have cars because they can't afford insurance) if you are in the right
you've nothing to worrry about. Make clear and timely indications, always practice considerate driving, be aware of what's around you and
above all assume everyone else on the road is an idiot. Has worked for me for 28 years.
BTW I'm personally a great fan of bangers (by which I mean anything under £1000) as they offer cheap motoring. The scrappage scheme is about
preserving jobs in the car industry not about being green. My Mk2 Scirocco is 20 years old, cost me £950 and has been solid (with a few basic parts)
for 8 years now. That's probably less than a weeks depreciation on a new car.
I used to be apathetic but now I just don't care.
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phelpsa
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| posted on 24/9/09 at 03:10 PM |
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ANPR cameras check that the car is insured, not that they are insured for the people driving them. It cost £1600 to insure me on a £500 Citroen AX GT
for a year. Now that could just as easily been insured for my dad for £100 and no one would have been any the wiser. Even when I ran into the back of
someone at a roundabout there were no checks. I could have told the lady my name was John and got away with it! As I'm lucky enough to not be
the person paying my insurance the thought never occurred to me but i'm guessing for hundreds of teenagers around the country it's worth
the risk...
I have also been the 'victim' of the young man driving banger / modified car stereotype and have been pulled over a few times for very
little reason. I like to think this is a good thing though as I know of people my age who do silly/dangerous things to/with their cars and need
stopping, if they're checking me then the likelihood is they're keeping those people in line as well.
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morcus
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| posted on 24/9/09 at 03:27 PM |
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First of, don't you loose your lisence at 6 points if you've not had two years so no insurance company would insure a 17 year old with
11?
As said before, the punishments are stupid, especially the number of times you here about people getting driving bans when they already had them (And
even for people too young to drive). Alot of the people who drive without insurance aren't gonna take any notice and whats the point in a fine
that doesn't even cover the costs of getting to that point?
Insurance is stupidly expensive, especially for young people but If you can't Afford it you Can't afford to drive.
As to the stopping of Bangers, they aren't the top catagory for getting pulled, If you look under 30 and drive anything expensive or powerful
you'll get stopped alot and if you modify your car in a highly visable way your gonna get stopped. That said the sort of Chavo's that
modify there cars in stupid ways (Barry Boys) are the sort of people who aren't propperly insured and have crashes, often at high speeds.
I actually think they should be fined and banned an all that but on top should be imprisoned until they buy a whole years insurance for there vehicle
in the condition it was when they where caught but with the conviction factored in. That or a law that means they get payed less and can't have
benefits.
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A1
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| posted on 24/9/09 at 03:36 PM |
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but at least the cops are catching those pesky speeders!!
i agree with all of you, if you want to drive, you pay insurance. simples! (get it?)
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Dusty
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| posted on 24/9/09 at 03:38 PM |
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1.7 million uninsured cars on the road and they only catch up to 500 a day. Not really trying very hard are they.
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phelpsa
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| posted on 24/9/09 at 03:45 PM |
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quote:
Originally posted by morcus
As to the stopping of Bangers, they aren't the top catagory for getting pulled, If you look under 30 and drive anything expensive or powerful
you'll get stopped alot and if you modify your car in a highly visable way your gonna get stopped. That said the sort of Chavo's that
modify there cars in stupid ways (Barry Boys) are the sort of people who aren't propperly insured and have crashes, often at high
speeds.
This got me pulled a few times:
'Your tyres are rubbing'. They weren't..
'The tyres are sticking out of the arches'. They weren't...
'The car's showing as uninsured', I had the docs to prove it was.
'The stickers in the rear widows are obscuring visibility'. What if it was a van? I use my mirrors properly...
Luckily it was so difficult to get it to do more than the speed limit I never bothered :p
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JoelP
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| posted on 24/9/09 at 08:11 PM |
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quote:
Originally posted by Dusty
1.7 million uninsured cars on the road and they only catch up to 500 a day. Not really trying very hard are they.
a good point. My friend was telling me he was driving a car with no MOT to a friends house to do some work on it for the MOT. He had it on one weeks
insurance with a temporary cover note, so not on the insured database. Got followed by a police van for a few miles and they never stopped him. He was
well paranoid because he couldn't have proved he was legally taking it for repairs!
Was 10pm too!
[Edited on 24/9/09 by JoelP]
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britishtrident
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| posted on 24/9/09 at 08:48 PM |
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It is time we had a oficial permit system for moving uninsured vehicles and vehicles without an MOT (but basically roadworthy) for short distances
--- a sort of one day trade plate combined with insurance for ordinary punters.
You ring up or go online to a government sanctioned organisation give your details where from and to and when you want to move the vehicle and
pay a reasonable charge by credit card.
But no instead we have government that is about to hit us with a broadband tax.
[Edited on 24/9/09 by britishtrident]
[I] “ What use our work, Bennet, if we cannot care for those we love? .”
― From BBC TV/Amazon's Ripper Street.
[/I]
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jimmyjoebob
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| posted on 24/9/09 at 08:56 PM |
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Did anyone read in the paper about the owner of a Merc E55 that kept receiving traffic violations and parking tickets for another Merc that had copies
of his plates on?
He had spent quite a bit proving each time that he wasn't responsible but wanted to know what could be done. The only suggestion was that he put
his plate on retention leaving the cloned car to be picked up by a police car. Unfortunately it would be more likely picked up by ANPR cameras which
would send him the fine for driving uninsured as he is the registered keeper!
Guilty until proven innocent as seems to be the norm now
If at first you don't succeed, hide all evidence you ever tried!
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