What if insurance companies start offering specialist SORN policies where the premium is £1 a year and the excess is £5 million?
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"A life, Jimmy, you know what that is? It’s the s*** that happens while you’re waiting for moments that never come." -- Lester Freamon -
Originally posted by Freamon View PostWhat if insurance companies start offering specialist SORN policies where the premium is £1 a year and the excess is £5 million?
And why don't they?
(That's not a rhetorical question, like Freamon's idea (Plan B?), I do not know why not.)My all-time favourite Dilbert cartoon, this is: BTW, a Dumpster is a brand of skip, I think.Comment
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Originally posted by RichardCranium View PostAnd what if insurance companies started offering FULLY COMPREHENSIVE policies where the premium is £1 a year and the excess is £5 million?
And why don't they?
(That's not a rhetorical question, like Freamon's idea (Plan B?), I do not know why not.)"A life, Jimmy, you know what that is? It’s the s*** that happens while you’re waiting for moments that never come." -- Lester FreamonComment
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Originally posted by VectraMan View PostSomebody who's prepared to drive uninsured is not going to worry about falsely declaring it SORN too.
The crazy thing is the fines are often less than the cost of insurance.
Why not just have a crack down and ensure the fines are enough to do the job? It's not hard to catch uninsured drivers using number plate recognition software.Comment
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Originally posted by Freamon View PostIt's a gross example, but it does raise the question: At what level of excess does someone become effectively "uninsured"? Because the level of excess on some policies is ridiculous. Mind you I suppose it doesn't apply in the case of third party claims, maybe that's the key.
And if you're super-rich, you "self-insure", which is the same as having a massive excess.
The real problem is the cost of insurance. You can get a perfectly usable reliable car for £500, then it costs you £1000 per year to insure. It's not hard to see why people take the chance.Will work inside IR35. Or for food.Comment
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Originally posted by The_Equalizer View PostThis then makes insuring off road vehicles a complete waste of time. Those that play by the rules will end up being out of pocket and those that drive uninsured vehicles carry on regardless.
Why not just have a crack down and ensure the fines are enough to do the job? It's not hard to catch uninsured drivers using number plate recognition software.
Did you know that around 12% of vehicles driving around have something illegal about them (e.g. no tax, no insurance, plates for the wrong vehicle, registered at invalid address, driver has a driving ban, etc)? Enforcement has been so poor over the past several decades, seems hard to believe it'll magically start improving now.
Most councils/police forces have tens of millions of unpaid fines assigned to drivers that they are unable to chase up."A life, Jimmy, you know what that is? It’s the s*** that happens while you’re waiting for moments that never come." -- Lester FreamonComment
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It says further down
Police gained powers at the end of 2005 to seize uninsured cars, but to use their powers they have to catch the driver at the wheel. Under the new offence of keeping a vehicle while uninsured, the onus will be on drivers to prove that they have insurance, or have completed a statutory off-road notification.Last edited by xoggoth; 9 January 2011, 12:22.bloggoth
If everything isn't black and white, I say, 'Why the hell not?'
John Wayne (My guru, not to be confused with my beloved prophet Jeremy Clarkson)Comment
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Originally posted by VectraMan View PostThe real problem is the cost of insurance. You can get a perfectly usable reliable car for £500, then it costs you £1000 per year to insure. It's not hard to see why people take the chance.
They want those SORN cars insured because I bet there are plenty of people who declare car off road but actually drive it on public roads.Comment
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Originally posted by Freamon View PostOverzealous use of ANPR will just lead to more cloned plates appearing, which makes a bad situation worse.
Did you know that around 12% of vehicles driving around have something illegal about them (e.g. no tax, no insurance, plates for the wrong vehicle, registered at invalid address, driver has a driving ban, etc)? Enforcement has been so poor over the past several decades, seems hard to believe it'll magically start improving now.
Most councils/police forces have tens of millions of unpaid fines assigned to drivers that they are unable to chase up.
How about attempting to make it socially unacceptable in the same way drink driving has now become?Comment
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Originally posted by The_Equalizer View PostForcing all SORN vehicles to have insurance will mean law abiding types pay unnecessarily and the problem isn't reduced.
This sure does not solve it, but if you've got a vehicle it should be insured as it's a real risk.Comment
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