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Guivre46
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Joined: Apr 14, 2010
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Location: West London
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 Posted: Mon Mar 04, 2013 2:07 pm Post subject: Impact of Motoring Convictions on Insurance Premiums |
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Article in the Telegraph.
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Mike R [aka Wyvern46]
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Privateer
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Joined: 30/12/2002 17:36:20
Posts: 4912
Location: Oxfordshire, England, UK
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| Posted: Tue Mar 05, 2013 12:36 pm Post subject: |
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| Telegraph wrote: | | those convicted of driving without car insurance could expect their premium to rise by 131 per cent. |
Surely those who do not have any car insurance would not be put off by rising premiums because a 131 per cent increase on zero, is still zero! 
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Robert.
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M8TJT
The Other Tired Old Man
Joined: Apr 04, 2006
Posts: 10118
Location: Bexhill, South Sussex, UK
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| Posted: Tue Mar 05, 2013 12:51 pm Post subject: |
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But what about thos who 'occasionally drift past' their renewal date.Surely it should be the same as for thjose who 'occasionally drift past' the speed limit  |
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Privateer
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Joined: 30/12/2002 17:36:20
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Location: Oxfordshire, England, UK
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| Posted: Tue Mar 05, 2013 1:57 pm Post subject: |
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There is a world of difference between people who intentionally do not insure and those that drift a few days over - insurance companies charge so much now that they ought to include a "drift period" anyway! 
As for people drifting over the speed limit. Well fine them if you like but don't give penalty points - if the authorise used speeding as a form of taxation without penalty points then I would not have such a problem with speed cameras. However people who intentionally speed (i.e. 15 or 20 mph or more over the speed limit) depending on the type of road, perhaps they should get penalty points. 
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Robert.
iPhone 6s Plus, iOS 14.0.1: iOS CamerAlert v2.0.7
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exportman
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Joined: Mar 26, 2006
Posts: 261
Location: United Kingdom
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| Posted: Tue Mar 05, 2013 5:51 pm Post subject: |
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| Quote: | | Driving with a hand-held device was the next most common offence, although this accounted for only 10% of those with a conviction. It increased premiums by 49%. |
That is because they can not be caught on cameras
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Failing to comply with traffic light signals was the third most common offence; it resulted in the smallest (24%) increase in the cost of a premium |
Smallest increase in premium yet one of the most dangerous action
Driving through a red light in a city is far more risky in most cases than doing 40 on a dual carriage way with a 30 limit
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Guivre46
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Joined: Apr 14, 2010
Posts: 1262
Location: West London
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| Posted: Tue Mar 05, 2013 7:55 pm Post subject: |
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I don't think many would blatantly ignore a redlight, I thought it was most likely people trying to squeeze through on amber and not quite making it? This probably does not result in many collisions, but a conviction would still increase your premium.
I'm just reminded again that you can't trust other road users, even though I drive in the [misguided] expectation of a certain level of competence amongst fellow drivers.
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Mike R [aka Wyvern46]
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exportman
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Joined: Mar 26, 2006
Posts: 261
Location: United Kingdom
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| Posted: Wed Mar 06, 2013 12:17 pm Post subject: |
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As a motorcyclist I am often at the front of a traffic queue. It is sometime quite astonishing how many vehicle pass a red light. Many only seem to be aware of the vehicle directly in front of them. Concentrating so intently on giving no opportunity for someone to take the 6 ft of space they are following by in case they are delayed by a further 10th of a second.
Frequently around Manchester city center area my lights will have changed green and still vehicle are coming across the stop line and across my path.
The poor driving standards across the whole of the UK is quite frightening. |
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Andy_P
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Joined: Jun 04, 2005
Posts: 19991
Location: West and Southwest London
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| Posted: Wed Mar 06, 2013 4:19 pm Post subject: |
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| exportman wrote: | | As a motorcyclist I am often at the front of a traffic queue. |
I've often wondered why so many motorcyclists insist on pushing to the front of a queue at traffic lights.
(which usually means they end up in front of the stop line).
I assumed it was because as you say:
| exportman wrote: | | in case they are delayed by a further 10th of a second. |
....but maybe there's a much better reason for them barging in rather than waiting their turn in line!
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M8TJT
The Other Tired Old Man
Joined: Apr 04, 2006
Posts: 10118
Location: Bexhill, South Sussex, UK
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| Posted: Wed Mar 06, 2013 4:47 pm Post subject: |
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| Andy_P wrote: | | ....but maybe there's a much better reason for them barging in rather than waiting their turn in line! |
There is. It's because they can. |
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DennisN
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Joined: Feb 27, 2006
Posts: 14890
Location: Keynsham
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| Posted: Wed Mar 06, 2013 10:24 pm Post subject: |
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| Andy_P wrote: | | exportman wrote: | | As a motorcyclist I am often at the front of a traffic queue. |
I've often wondered why so many motorcyclists insist on pushing to the front of a queue at traffic lights.
(which usually means they end up in front of the stop line).
I assumed it was because as you say:
| exportman wrote: | | in case they are delayed by a further 10th of a second. |
....but maybe there's a much better reason for them barging in rather than waiting their turn in line! |
Now there speaks somebody who (like me) has experienced the joy of a dangerously close fly-by carried out by a motorbike in London (carried out by half a dozen motorbikes in London), often stopping at an angle across the front of my vehicle because the bicycle reserved area is already full of motorbikes.
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Dennis
If it tastes good - it's fattening.
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exportman
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Location: United Kingdom
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| Posted: Thu Mar 07, 2013 11:03 am Post subject: |
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| DennisN wrote: | | often stopping at an angle across the front of my vehicle because the bicycle reserved area is already full of motorbikes. |
My experience is it is usually full of car drivers creeping further an d further into the junction.
But just imagine for one moment if all those bike that pass you took the car instead and sat in a queue every morning like you do, would you ever get where you are going?
| M8TJT wrote: | | It's because they can. |
Too right.
I use the bike for commuting because it makes sense, my journey to work takes 20 mins max on the bike, in the car its a minimum of 20 mins and more often much much more. Cycling takes around 30 mins so sometimes I do that instead (but I avoid the major roads and use canal and cycle paths where possible for safeties sake) |
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DennisN
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Joined: Feb 27, 2006
Posts: 14890
Location: Keynsham
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| Posted: Thu Mar 07, 2013 11:59 am Post subject: |
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| exportman wrote: | | But just imagine for one moment if all those bike that pass you took the car instead and sat in a queue every morning like you do, would you ever get where you are going? |
They'd all be behind me, not passing me, so I'd get there sooner.
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