No insurance - UK Business Labs

Angela "VirtualPA" Dawson · #1 (**permalink**) 26-08-2009, 09:37 AM

Did you hear it on the news this morning that 1 in 5 young drivers don't have car insurance? This news broke on our local news programme yesterday and part of the reason why the youngsters don't have insurance is that they didn't realise they had to have it in the first place. I mean come on, what a lame excuse.

Unbelievable but not surprising when you see some of the idiots zooming about on the roads

Angela

Lasting Designs · #2 (**permalink**) 26-08-2009, 09:46 AM

I've been saying for years that an insurance and MOT disc should be displayed, these scum deserve locking up.

**matt.chatterley** · #3 (**permalink**) 26-08-2009, 10:00 AM

Here in Jersey, although there is no "MOT" asuch (yes, I know!) - insurance discs have to be displayed on car windscreens, legally. Makes it much easier for the police to identify, stop and give puny fines to those who don't have it!

andygambles · #4 (**permalink**) 26-08-2009, 10:02 AM

Quote:

Originally Posted by Lasting Designs

I've been saying for years that an insurance and MOT disc should be displayed, these scum deserve locking up.

This only proves the car has insurance not necessarily the driver.

This is the same downside to ANPR checks. The car being checked may have insurance but the driver may not.

I do like the fact that the car is seized if you drive without insurance as this causes much more of an inconvenience and cost to the offender.

**Mark** · #5 (**permalink**) 26-08-2009, 10:09 AM

I'm all for a 30 year prison sentence, myself. That'd stop them.

**matt.chatterley** · #6 (**permalink**) 26-08-2009, 10:12 AM

Quote:

Originally Posted by Mark

I'm all for a 30 year prison sentence, myself. That'd stop them.

The one which makes me laugh (not in a good way) is when someone with no driving license gets nicked, and banned from driving.

**Mark** · #7 (**permalink**) 26-08-2009, 10:32 AM

Yeah, as if they give a stuff?...

**matt.chatterley** · #8 (**permalink**) 26-08-2009, 10:42 AM

Quote:

Originally Posted by Mark

Yeah, as if they give a stuff?...

It's a mad, mad world.

Angela "VirtualPA" Dawson · #9 (**permalink**) 26-08-2009, 11:59 AM

Quote:

Originally Posted by matt.chatterley

The one which makes me laugh (not in a good way) is when someone with no driving license gets nicked, and banned from driving.

Yes, this makes me laugh too. I mean, what's the point, like it's going to stop them from doing it!

I love watching these programmes when the car's siezed and crushed...oh to have that job

Angela

Wana Bee · #10 (**permalink**) 26-08-2009, 07:45 PM

Quote:

Originally Posted by Mark

I'm all for a 30 year prison sentence and drop them from a plane, myself. That'd stop them.

Sounds fair

**Chris Lodge** · #11 (**permalink**) 27-08-2009, 06:04 AM

The Motor Accident Solicitors Society (MASS) has been campaigning for several years for tax discs to be displayed in line with most EC countries.

It would not eliminate uninsured drivers but would certainly reduce the numbers.

**Ray Stewart** · #12 (**permalink**) 28-08-2009, 09:35 PM

From the other side, I feel it is a no-win scenario for young men starting out on their driving careers.

My son Chris passed his test at 17 and we bought an old VW Golf 1.4 for him. The insurance initially was £1,680 (3rd party only - not even fire and theft) against the cost of the car £2k.

I paid that as I wanted him to build up his own no claims bonus. Not every 17 year old is that lucky though - that is why some opt for a cheap banger and no insurance - not right but the system is stacked against them.

It is all very well to slag off youngsters for having no insurance but why are they all tarred with the same brush? You are male, 17 and therefore must be a very bad risk. Not so. Chris passed his test first go, immediately took the pass plus course to prove he was aware and has now been driving for 5 years and never even had a bump. His insurance is now down to sensible levels but only because we have all 3 cars on a multi-car policy.

None of his friends have had any accidents either.

All young folk are not the same despite what the press and media would have us believe.

And yes - he still drives his beloved Golf

**Paul Norman** · #13 (**permalink**) 29-08-2009, 08:09 AM

Quote:

Originally Posted by Ray Stewart

From the other side, I feel it is a no-win scenario for young men starting out on their driving careers.

My son Chris passed his test at 17 and we bought an old VW Golf 1.4 for him. The insurance initially was £1,680 (3rd party only - not even fire and theft) against the cost of the car £2k.

I paid that as I wanted him to build up his own no claims bonus. Not every 17 year old is that lucky though - that is why some opt for a cheap banger and no insurance - not right but the system is stacked against them.

It is all very well to slag off youngsters for having no insurance but why are they all tarred with the same brush? You are male, 17 and therefore must be a very bad risk. Not so. Chris passed his test first go, immediately took the pass plus course to prove he was aware and has now been driving for 5 years and never even had a bump. His insurance is now down to sensible levels but only because we have all 3 cars on a multi-car policy.

None of his friends have had any accidents either.

All young folk are not the same despite what the press and media would have us believe.

And yes - he still drives his beloved Golf

Where as I would agree with the general mood above, that driving uninsured is a much more serious crime, warranting much more serious action ,than seems to be happening, I also think Ray has hit a part of the problem on the head.

Young lads especially just cannot get insured unless they have a reasonably well off parent doing what Ray did. That is how my kids have insurance, and now no claims discount too!

But they still pay more on a tiny hatch back than I do on a powerful sports car.

Now, the problem needs looking at more broadly. If we are going to make insurance unobtainable through price, maybe we have to accept the reality that 17 years olds cant drive on the roads.

Once again, everyone is suffering for the actions of a few. But it would be impossible to single out these more reckless people, I guess.

**wizzardsblog** · #14 (**permalink**) 29-08-2009, 10:18 AM

What use would there be in displaying an insurance disc?

The individual has to be named on the policy to drive that particular car. If you happen to be driving your mates car with his permission and you get pulled and you're not on his policy then the car gets towed. You may well be insured on your own car, but not necessarily his.

Lasting Designs · #15 (**permalink**) 29-08-2009, 10:58 AM

Quote:

Originally Posted by wizzardsblog

What use would there be in displaying an insurance disc?

The individual has to be named on the policy to drive that particular car. If you happen to be driving your mates car with his permission and you get pulled and you're not on his policy then the car gets towed. You may well be insured on your own car, but not necessarily his.

Not if your car is issued its own personal insurance disc. It names the owner and those named drivers (via microchip), if you (as a person) have an any car policy, you just produce the paperwork when required, if you can't produce it then the same penalties apply. My dogs are micro chipped, and all details are available to people who have those scanners that can read them.

The first thing in to have a point of identifying those car owners who have and not having insurance, like a tax disc. If the insurance was made valid from the 1st of each month than their no reason this could copy the insurance. If you have multiple car ownership, then you get duplicate disc's its not rocket science.