The correct saying is..........'cute hoooooooores'
85% increase in uninsured vehicles
- Thread starter Aidan1150
- Start date
The correct saying is..........'cute hoooooooores'
So todays 18 year olds,unless funded by wealthy parents/grandparents/uncles/sugerdaddy's should stick to driving really cheap cars until their premiums come down, which will happen with time and a clean record. It's the way I had to do it...back in the day.
Myke Rocks
Registered user
No: That's the polite version!
comberjohn
Registered user
Is right, Keith. My first two cars cost me less than £100 each and I spent most Saturday mornings trying to keep them on the road. Learnt a bit how they work out of necessity. Part of the test here is answering a couple of very basic questions about looking after a car. Under the bonnet, not a clue. Boys or girls.
That was around 1972 and my third party only policy cost me £365.
Nowadays I regularly see my pupils with their Polo, Golf, Fiat 500, etc. sitting waiting for them before they even pass their test. Taxed, insured and ready to go.
Recently, I was waiting at the local test centre with another instructor while our pupils were on the test. His pupil's mother came over and asked what sort of money his car (a Mini) would cost, as her daughter liked driving it. He told her a decent one would cost around £10k.
'Oh that's fine, I thought they'd be dearer than that.' Said the mother. The daughter was still in her school uniform when she came back from her test!
Mind you, it's our generation that's to blame for giving them high expectations. Daddy's girl wouldn't be safe in an old banger if it broke down, would she?
That was around 1972 and my third party only policy cost me £365.
Nowadays I regularly see my pupils with their Polo, Golf, Fiat 500, etc. sitting waiting for them before they even pass their test. Taxed, insured and ready to go.
Recently, I was waiting at the local test centre with another instructor while our pupils were on the test. His pupil's mother came over and asked what sort of money his car (a Mini) would cost, as her daughter liked driving it. He told her a decent one would cost around £10k.
'Oh that's fine, I thought they'd be dearer than that.' Said the mother. The daughter was still in her school uniform when she came back from her test!
Mind you, it's our generation that's to blame for giving them high expectations. Daddy's girl wouldn't be safe in an old banger if it broke down, would she?
First car was a Fiat 127 that cost me 350 punts and my TPFT insurance was a similar amount. But that was plenty rich for me as a young lad in his first job just out of school.
(I feel a Monty Python sketch coming on)
Sent from a OnePlusX
(I feel a Monty Python sketch coming on)
Sent from a OnePlusX
Yes, but.... the reporting chooses to use this number as it is spectacular. If you could dig down and find the actual number it might only be a small number.
The trend is still worying and I doubt it's restricted to Ireland.
Thank you for that observation!
A few years ago it was also claimed that many Motorcycles MUST be uninsewered as they weren't taxed either.
Then MAG Irl. pointed out (using proof from a survey of more than 1000 riders) that many riders had more than one Bike (some were just a frame and logbook in the process of being restored or used as parts to restore another) - and only taxed and insured their 'primary' Bike.
But that wouldn't make a good headline, would it?
Just thought I'd post this.......... just came across it in my twitter feed. This is a prime example of a poor down trodden chap who can't insure his vehicle because of the rising premiums (tongue firmly in cheek)
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my brother insured his 17 year old daughter a few months ago he was told she would not be covered on a car over 10 years old and when the car was 10 years old she would have to change it or not be insured on it
the price she was asked for insurance and then having to have a fresh car would make it impossible for most young people to get insurance
older cars or starter cars have become uninsurable or very loaded but they still pass the nct so would be road worthy ???
the price she was asked for insurance and then having to have a fresh car would make it impossible for most young people to get insurance
older cars or starter cars have become uninsurable or very loaded but they still pass the nct so would be road worthy ???
the actual number is 7.5% of all cars on the road are uninsured up from near 5% so it really is high enough and its not just the usual scumbags chancing it normal decent people are finding it very hard to afford insurance at the moment, recovery nah dont think so
That's one in every thirteen cars on the road Frank. Fuckin scary thought.
It's not like insurance is an optional purchase, it is a legal requirement. I certainly don't want to have any dealings with the 1 in 13 fucker on our roads, especially if I'm on the bike. If I'm in a Scania then the problem becomes theirs.
It's not like insurance is an optional purchase, it is a legal requirement. I certainly don't want to have any dealings with the 1 in 13 fucker on our roads, especially if I'm on the bike. If I'm in a Scania then the problem becomes theirs.
And yet the motor industry has had its best year since 2008, I think.
I would probably struggle to keep a half decent car on the road if I wasn't driving a company car.
I also think that 17 is probably too young to be sending a kid out into today's modern motoring network....... regardless of what the law says.
I don't think you should have a car until you're working, reasonably independent and can afford it yourself.
Controversial I know...... but I drive 10,000kms a month in my car for work and 30,000 a year on my bike for fun and there are just way too many drivers on the road without the experience or where with all to be in a car.
There, I've said it.
Sent from a OnePlusX
I would probably struggle to keep a half decent car on the road if I wasn't driving a company car.
I also think that 17 is probably too young to be sending a kid out into today's modern motoring network....... regardless of what the law says.
I don't think you should have a car until you're working, reasonably independent and can afford it yourself.
Controversial I know...... but I drive 10,000kms a month in my car for work and 30,000 a year on my bike for fun and there are just way too many drivers on the road without the experience or where with all to be in a car.
There, I've said it.
Sent from a OnePlusX
comberjohn
Registered user
Even though I'm a driving instructor and it's my bread and butter, so to speak, I would agree with Keith on the question of age.
17 is too young to drive. Most of the 17 year olds who I teach don't really have the maturity for it. To be honest, many of them are there because their pushy parents want them to drive. I think it may be a status thing among other parents and in families.
"I doing care about the theory test, I just want to drive!" is a phrase, or similar, that I hear a lot.
I do it as part time, semi retired, thing. I don't need to do it and there are times I do wonder if I'm wise. But, then again, if I don't someone will.
It's a scientific fact that the frontal lobe of the brain, the part that assesses risk, doesn't fully develop until around 23 years of age. In other words, if they have a smash they really believe that they'll walk away from it. When they get to around that age they start to think that maybe they won't!
Howard Hughes, the multi millionaire, injured the front of his head in a plane crash and lost the plot after that. It's believed he damaged that part of his brain.
Mind you, it's like many laws. Only effective, if enforced.
Today's government's churn out laws to appear to be doing something but many are rarely enforced.
Driving with a mobile in your hand anyone?
17 is too young to drive. Most of the 17 year olds who I teach don't really have the maturity for it. To be honest, many of them are there because their pushy parents want them to drive. I think it may be a status thing among other parents and in families.
"I doing care about the theory test, I just want to drive!" is a phrase, or similar, that I hear a lot.
I do it as part time, semi retired, thing. I don't need to do it and there are times I do wonder if I'm wise. But, then again, if I don't someone will.
It's a scientific fact that the frontal lobe of the brain, the part that assesses risk, doesn't fully develop until around 23 years of age. In other words, if they have a smash they really believe that they'll walk away from it. When they get to around that age they start to think that maybe they won't!
Howard Hughes, the multi millionaire, injured the front of his head in a plane crash and lost the plot after that. It's believed he damaged that part of his brain.
Mind you, it's like many laws. Only effective, if enforced.
Today's government's churn out laws to appear to be doing something but many are rarely enforced.
Driving with a mobile in your hand anyone?
...those of us who do insure our vehicles will run the gauntlet of being involved in an incident with one of these cnuts.
Having been hit by an uninsured drunk driver in '92, I can vouch for this. The MIB did pay a compensation to me, but it took two years, and I doubt the arsehole who hit me heeded the one-year ban the judge gave him (he fled the scene without caring if me or my pillion were hurt/dead, and admitted in court he'd been drunk).
Agree. But that old adage about it being the certainty rather than the severity of the consequence being the more effective deterrent holds true - the government's current (and historic/legacy) policy of creating laws but not enforcing them is pathetic, and does nothing to address any of the road/traffic/driver issues in Ireland. Very little real-world enforcement, and very light consequences for offenders.
Sad reflection of things when people regard preservation of their own finances as more important than their ability to compensate someone for damage done to their car or bike, or injury to their person.
Sadder reflection of things that the powers-that-be allow the insurers to act as they do, which ultimately drives people to drive uninsured, whether that was a tough short-term, "just-till-I-get-back-on-my-feet" choice for a genuinely downtrodden guy, or an easy choice for a knacker in his false-plate car going around housing estates casing for potential burglary targets.
I agree that the system is the ultimate root of the problem:
- Eliminate the claims culture.
- Always apply very heavy penalties to offenders.
- Properly - actually - regulate the insurers.
I had a gap in riding bikes (after 10 years of commuting in all weathers/seasons) after my first kid was born. I got back onto bikes when he was 4. The deplorable driving I observed during my commutes made me re-think things, and I gave up bikes again after a few months. Every commute always featured at least one "near-miss" (near-hit?). I figured that it wouldn't be long before there'd be a lapse in my own observation/anticipation (the only defence we really have) and I'd get creamed.
At the time. I remember wondering what had happened - what had gone so wrong in just four years? My memory of my 10 years commuting didn't include such shite driving from so many car drivers. I came to the conclusion that it must have had something to do with the four intervening years being in the middle of what might be regarded as "boom" years - it was super-easy for anyone to get finance/loans. Teenagers were able to buy and insure their hot hatches. Nervous young women (no, not sexist or misogynistic) were able to escape the public transport network and become independent with their own little cars. Etc. I could be wrong, but that made sense to me. And still does.
This time round, I took (and continue to take) steps to get my own riding to as high a standard as I can get it. A RoSPA certification (hopefully) will be on the cards for me in 2017, and I recently became qualified as a bike riding instructor. I felt that if I was a half-way decent rider myself, and that as we all have to work, it might be a thing for me to do something more than just be a cog in a machine that renders other men wealthy (something I struggle to not resent) - if I play a part in improving someone's road skills or manners, etc, then that's worthy work.
In Ireland there's now EDT for new car drivers and IBT for new bike riders. These are very good schemes, and should go towards creating "better", more conscientious road users. And that should result in more affordable insurance. But will it?
I'd suggest that for many people it is optional - basic people (particularly Irish basic people) simply have a blanket resentment of The Man, and defy him at every opportunity, seemingly without awareness of real-world consequences. So their mindset regarding insurance is "if I get caught, the consequences won't affect me, I'll carry on driving uninsured", "sure that guy who I crashed into has his own insurance or he can use the MIB", and "fuck him anyway - if he can afford a 2010 BMW, he can afford to pay for the damage I did to it", etc.
No real solution - different parties want different/conflicting things from the same system. Joe Public wants to be covered in case he has an accident. Insurers want to make as much profit as possible with as little cost as possible. Government wants to keep businesses sweet - after all, they matter more than The People...
Phaedrus,
I'm a RoSPA Trainer - if that's any use to you when preparing for the test, give me a shout.
I'm a RoSPA Trainer - if that's any use to you when preparing for the test, give me a shout.
Phaedrus,
I'm a RoSPA Trainer - if that's any use to you when preparing for the test, give me a shout.
I will for sure. Thanks!
I mentioned to the tester when taking my Stage 2 ADI test that I'd be looking to take a RoSPA test at some point, and he commented to be wary that - in the context of me becoming an instructor - the manner of riding that would achieve a high RoSPA "score" probably wouldn't necessarily be the manner of riding that would see a new rider pass the RSA bike test, and as such it's not necessarily a manner of riding that an RSA-approved instructor should be imparting to a new rider.
Those weren't the exact words, but that was the just of it.
I want to get plenty more miles under my belt before I commit to entering the RoSPA process.
Mark
I will for sure. Thanks!
I mentioned to the tester when taking my Stage 2 ADI test that I'd be looking to take a RoSPA test at some point, and he commented to be wary that - in the context of me becoming an instructor - the manner of riding that would achieve a high RoSPA "score" probably wouldn't necessarily be the manner of riding that would see a new rider pass the RSA bike test, and as such it's not necessarily a manner of riding that an RSA-approved instructor should be imparting to a new rider.
Those weren't the exact words, but that was the just of it.
I want to get plenty more miles under my belt before I commit to entering the RoSPA process.
Mark
when i was doing my bike test the instructor told me first off we will learn you how to pass the test and after you pass we will learn you how to ride your bike safely seems things have not changed
1 car parked on main road, in front of the garda station, rear ended and written off, paid for by me.
1 car parked in a cul de sac, delivery or jeep banged into the the side, paid for by me.
Sherlock Holmes' the first case, established by the Light glass part# that it was a rare white Toyota, no coppers ever bothered to look up the few owners in the West.
The Oul Granny got bullied by after lunch 'drunk' driver with passenger, they turned the table & made a claim, no police involved, insurance paid out without asking the other party at all.
If I get the chance, I get my money back somehow.
Cool Yule and Merry Chrimbo.
1 car parked in a cul de sac, delivery or jeep banged into the the side, paid for by me.
Sherlock Holmes' the first case, established by the Light glass part# that it was a rare white Toyota, no coppers ever bothered to look up the few owners in the West.
The Oul Granny got bullied by after lunch 'drunk' driver with passenger, they turned the table & made a claim, no police involved, insurance paid out without asking the other party at all.
If I get the chance, I get my money back somehow.
Cool Yule and Merry Chrimbo.
B Murr
Registered user
Id say automatic impounding and confiscation ( if not Stolen) of vehicles driven by uninsured drivers would make a difference.
"The figures are calculated by comparing the number of registered vehicles to those which have insurance."
Kev and I have 4 bikes registered in our names, only 2 are insured. That's 50% of our bikes, but we're not riding uninsured.
Just saying
Kev and I have 4 bikes registered in our names, only 2 are insured. That's 50% of our bikes, but we're not riding uninsured.
Just saying
