Equality for car insurance

The limit is 47BHP IIRC, rather than 600cc.

unsure about that i guess the information i got last week from a qualified instructor should be pretty near the mark as he did comment it was ludicrous as a harley 1200 is well under performing compared to most 600cc sport bikes !!

Most 600cc motorbikes put out 90BHP+. I did my A2 just before the current two part practical came into force, so I avoided the ridiculous off-road section. It’s just being forced upon us by the EU, nobody here actually wants the new motorcycle licencing laws. On the 33BHP 2 year restriction many people didn’t bother restricting them since it’s so much of a PITA for the police to check it, and the difference would only be obvious if the bike is doing over 110mph, at which point they would be in trouble anyway. There are 125cc bikes that put out around 30BHP (Aprilia RS, Cagiva Mito etc).

personaly i think it is a good thing but it should be fair and braught in across the board i think the car test is way too easy and should be toughened up the same as for bikes

i also think all drivers should have to do 12 months on a motorcycle there is no finer way to make people think about their behaviour in traffic than when the car is taken away and your body is the crumple zone !!

I agree with much of the above.

However as a young male i’d like to point out that perhaps better driver training would be better then simply banning all young drivers from anything over 1000cc. That kind of penalises people such as myself who aren’t a ‘nuisance’ in my cars, i just have a passion for them.

You can kill yourself and others in any car, but with better training, better testing and dare i say it better road policing numbers may start to drop.

Simon

More training isn’t going to solve the problem, because the problem isn’t with young drivers skills, but rather with some making bad judgements. If anything is to be done with training then it needs to be changed to focus on practical driving rather than implementing the highway code from a driving seat. As usual the decisions on this will be made in the EU and dictated to us, as just happened for the second time now with motorbike licencing! Oh and before anyone suggests it, more training/tests isn’t going to have much effect on motorbike KSI stats per 1000 riders, since the KSI on them is mostly middle aged men who got their licences a couple decades back, then return to motorcycling, pick something stupidly fast, and crash. All these regulations do is add unwanted complexity and cost, as we saw with the building of a whole load of new test centres at great expense so could implement the off-road practical motorbike test.

Before anyone plays the racial card to earn themselves brownie points, this is
from personal observation.

It is a shame people try to use the race card against people who say things they don’t want to hear, it goes directly against the principles of freedom that we all benefit so greatly from. On the plus side, many of those who do use the race card in that manner are actually quite prejudiced/racist themselves, for example with their stereotype of a racist as a white male.

whereas presently i’m going through the motorcycle phase again ( before you even think of going near the road ) you have to pass a basic competence CBT test passed mine last week then you are allowed to ride a 125cc for 2 yrs in wich time you either have to pass the first part of the motorcycle test wich only alows you to ride upto a 33 BHP motorcycle for 2 yrs before moving onto larger machines

but this is changing this year and you will only be allowed the next step up to a 600cc machine if then you wish to have a bike larger than 600 cc you have to take another test that takes you up to unlimmited

The limit is 47BHP IIRC, rather than 600cc. Most 600cc motorbikes put out 90BHP+. I did my A2 just before the current two part practical came into force, so I avoided the ridiculous off-road section. It’s just being forced upon us by the EU, nobody here actually wants the new motorcycle licencing laws. On the 33BHP 2 year restriction many people didn’t bother restricting them since it’s so much of a PITA for the police to check it, and the difference would only be obvious if the bike is doing over 110mph, at which point they would be in trouble anyway. There are 125cc bikes that put out around 30BHP (Aprilia RS, Cagiva Mito etc).

these are factual observations formed from what must be aproaching 100’000 + driving miles if not far in excess i’d done 24’000 in my first 2 yrs on motorcycles

You’re not the only one that drives around the UK you know. I’ve had license since 1981 and cars since 1987 so I’ve seen a bit as well.
The problem is that good drivers generally go unnoticed whereas bad ones are all too obvious.
The best thing I ever did was take an advanced driving course. Some companies used to offer an insurance discounts for those that passed the advanced driving tests – I don’t know if they still do.

In my opinion theres bad female drivers and theres bad male drivers too. I find that men often try to overtake in silly places, like on roundabouts.. whereas women tend to use their phones while driving.
Seriously, for every bad male driver I also see a bad female driver.
Normally it’s the audi drivers that drive poorly.
In the world of equality, and as theres plenty of bad drivers around, young and old, everyone should probably pay the same, unless they are at fault for an accident, then they should be paying more for insurance.

I don’t see why females should pay the same as young males. Young males have twice the accidents that anyone else has. Often in single car crashes.

I think males should be banned from driving until they are a lot older than the current minumum age for drivers, say 21 or more. Younger than this age and males can be killers in cars. In my area we have had a number of deaths caused by young males driving beyond their abilities and killing families in on-coming cars after a stupid-ass overtake, or simply killing all their passenger teens after driving into a big tree when they couldn’t hold the road in a fast corner maneuver. Not to mention tail-gaiting others dangerously and driving like the immature plonkers that most of them are.

Young drivers should have limitations on their licence, for the first year they should be forced to drive 600cc cars or disallowed to carry passengers. I also think that if they are found to be driving dangerously in the first year they have to resit an extended driving test. And any youth convicted of killing someone with his car should be banned from driving and then fed to allegators, head first. No, feet first, or it would be over too quickly.

However as a young male i’d like to point out that perhaps better driver training would be better then simply banning all young drivers from anything over 1000cc. That kind of penalises people such as myself who aren’t a ‘nuisance’ in my cars, i just have a passion for them.

You can kill yourself and others in any car, but with better training, better testing and dare i say it better road policing numbers may start to drop.

Simon

good sound sense i personaly don’t understand why cars are so easy to go through to pass a test then hop in anything you want afterwards ( i don’t think there is a ban on over a 1000cc ) legaly you are allowed to drive any car ( finding insurance is the problem )

whereas presently i’m going through the motorcycle phase again ( before you even think of going near the road ) you have to pass a basic competence CBT test passed mine last week then you are allowed to ride a 125cc for 2 yrs in wich time you either have to pass the first part of the motorcycle test wich only alows you to ride upto a 33 BHP motorcycle for 2 yrs before moving onto larger machines

but this is changing this year and you will only be allowed the next step up to a 600cc machine if then you wish to have a bike larger than 600 cc you have to take another test that takes you up to unlimmited

if this is the case for motorcycles why shouldn’t there be different tests for different cars as there are wild and varying difrences between most cars of difrent performance values

Insurance companies use statistics to back up their premium prices whereas this forum uses sweeping generalizations.

Women, Asians, Mercedes, school run etc..

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these are factual observations formed from what must be aproaching 100’000 + driving miles if not far in excess i’d done 24’000 in my first 2 yrs on motorcycles

in that time i have driven most 4×4’s , most saloons , high performance inc porsches , ferraris and bentleys i also drove most types of van and trucks up to 38 ton tractor units

in those miles travelling every area in the uk from the loveley twisting scottish roads to the nightmare of londons double red lines when all you want to do is stop for a pie and chips

believe me those observations are spot on , if you had observed the woman with the 1 mile tailback behind her because her telephone call was more important than turning onto the lane her little darlings school was on you may comprehend !!

Women also make more claims on insurance than men……..
On the subject of insurance,My friend had an uninsured Polish driver drive into the back of his pick-up at speed,writing it off.
He took picture of the accident scene (and the tax disc from another car in the poles window) and went straight to the police station,or he did when he found one that was open.
The result of this accident was…The Polish guy was not prosecuted,or even pursued through `lack of evidence`.quote Officer”it`s too much hassle,that`s the way it is”
and my friends premium has jumped up by £60.
Sorry to digress from the subject,but sometimes I think it`s cheaper not to be insured(but would never do this myself btw).

Be very careful with the cheaper quotes on Go Compare. …………….One was charging £30 to supply a certificate of insurance !

Which you only need if renewing your car tax at a post office ? It’s worth
saving the £30

Be very careful with the cheaper quotes on Go Compare. I used google to check feedback on the 2 lowest companies and in both cases they operated in the style of Ryan Air..that is basic low price quoted then charge for extras. One was charging £30 to supply a certificate of insurance !

My tip..check out the mutuals, not on comparision websites and no shareholders to pay. I got a good deal from National farmers Union and I dont have a farm ! They easily beat Saga. Same for home insurance, I used Ecclesiastical and dont have a church or manse.

Insurance companies use statistics to back up their premium prices whereas this forum uses sweeping generalizations.

I’d say that insurance companies use statistics and sweeping generalisations; how else do you explain that your occupation affects your insurance premium?

The original poster wanted to know how in the EU it was possible to discriminate between the sexes (when this is apparently against the law). My wife (who is a woman), and who works in the insurance business (but not car insurance) has just pointed that insurance companies also age-discriminate, which is also illegal in the EU…

…but I don’t suppose any of us would want to be subsidising the ‘boy racers’!

Oddly enough i was paying 500 quid for my jap import MR2, when the clutch went i looked at an Audi TT 180BHP quatro and was quoted £305!! thought hmm might be able to stretch to the much more fun Audi TT 225BHP quatro as the insurance may be less than my MR2…. was quoted £305!!!!!!!!!! go figure, the fact i could get into trouble faster appears not to bother them, took a double take before i started searching for a 225BHP version, that is now sitting outside…. looked around for the MR2 and found i could have knocked £200 off what i was paying…. the same company ( Tescos) wanted ANOTHER £200!!!! on top of what i was paying for the MR2!!! to cover the Audi ( £700 plus)

Cannot praise gocompare highly enough

Surprised no one has mentioned Pagen, he’s definitely not a major contribution to road safety :p

Funniest thing i’ve read all day :D. Poor James

I’m surprised no-one has mentioned white vans or BMWs yet.

Now you come to mention it Pewtey, I have witnessed some pretty erratic motoring from those in both categorys.

Surprised no one has mentioned Pagen, he’s definitely not a major contribution to road safety :p

…I’m surprised no-one has mentioned white vans or BMWs yet.

Don’t get me started on Vans :diablo:

Insurance companies use statistics to back up their premium prices whereas this forum uses sweeping generalizations.

Women, Asians, Mercedes, school run etc..

I’m surprised no-one has mentioned white vans or BMWs yet.

[QUOTE=~Alan~;1866376]I agree, especially those driving Mercedes.

Before anyone plays the racial card to earn themselves brownie points, this is
from personal observation.

I agree Alan two days ago I went into Boots the Chemist in town. On leaving Boots, there is a pedestrian crossing, as I needed to cross the road, I used the pedestrian crossing, as I was halfway across, I saw a silver Merc, with an Asian woman driver, I didn’t take much notice as I thought I was safe on the crossing. I then realised she wasnt going to stop, and turned sideways, when her car hit my left leg near my knee, she failed to stop, and the folks who were around, rushed to my aid and helped me to my feet. I didn;t get, nor did anyone else, get the Reg number.When I got back to my car I had a large lump on my leg, and some grazing.I recon the trouble is, is that she may not have had a D/L or Ins etc, just wished somewon had got her number.
It has just been found out, that one of the Drs at a local surgery, a Urologist, has the letters on his brass plate, as being a Urollogist, but a check by some Govmt body revealed he “Purchased his falsified documents in India”. It appears there is a lot going on re this sort of thing than we realise.
Jim.
Lincoln .7

I like watching the Police when they are out on a Motorway, and they use their machines to I.D. cars through DVLA to see whether the car is insured, then watching the driver, and sorry, but NOT playing the Race card, as you can watch it on TV youself, but it is the Asian/ Indian drivers who produce forged Ins Docs and also forged MOTs. The best bit is when they seize the car/van, and it gets crushed.I just love to see their faces when they realise that our Police are not as stupid as they think they are,:diablo: but thats just my opinion.
Jim.
Lincoln .7

I agree with much of the above.

However as a young male i’d like to point out that perhaps better driver training would be better then simply banning all young drivers from anything over 1000cc. That kind of penalises people such as myself who aren’t a ‘nuisance’ in my cars, i just have a passion for them.

You can kill yourself and others in any car, but with better training, better testing and dare i say it better road policing numbers may start to drop.

Simon

worst drivers ??? asian women !! get behind one , you’ll know

I agree, especially those driving Mercedes.

Before anyone plays the racial card to earn themselves brownie points, this is
from personal observation.