Safe Speed Forums

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This thread has been split off from the post within another thread here:




Not all good. You put the price of insurance up for the rest of us, and you got compensated for your bad driving. Fully comp should be denied to novice drivers. We don't want to share risks with greenhorns.

Yeah, that will make them chill and not stressed out at all.

Remember, not all novice drivers have the same accident record (and attitude) as squirrel. So while there is a higher risk for novice drivers, their insurance rate (whatever policy) is greater to account for that higher risk, so it all balances out again; "loading", NCB and all that.
Abercrombie, how can you not know that if you’ve been driving/riding (with insurance) for many years?

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Views expressed are personal opinions and are not necessarily shared by the Safe Speed campaign

And if novice drivers were driving low-value sheds with third party only insurance, as they would have to if denied comprehensive cover, would that in practice make them more safe or more careful?

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"Show me someone who says that they have never exceeded a speed limit, and I'll show you a liar, or a menace." (Austin Williams - Director, Transport Research Group)

Any views expressed in this post are personal opinions and may not represent the views of Safe Speed

Darn me!!!! How did we get away from our love of our motors, and onto insurance, for chrissake?

It's Abercrombie, and his ability to derail and divert any thread

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"Show me someone who says that they have never exceeded a speed limit, and I'll show you a liar, or a menace." (Austin Williams - Director, Transport Research Group)

Any views expressed in this post are personal opinions and may not represent the views of Safe Speed

I thought that an Abercrombie was some sort of old-apparel? a Mac or something?

I'm going to split the thread.
edit: done

On the subject of fully-comp insurance, surely two big points in its favour are:

(a) "blame" in many road accidents is far from clear-cut, and
(b) nobody, not even Abercrombie, can guararantee they will never make a mistake when driving

In practice, the high excesses that typically apply to insurance policies mean that people don't treat fully-comp insurance as a licence to drive irresponsibly. Indeed, fully-comp can sometimes be cheaper than TPFAT, suggesting that insurers think somebody prepared to insure their car fully-comp is likely in general to take a more responsible attitude.

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"Show me someone who says that they have never exceeded a speed limit, and I'll show you a liar, or a menace." (Austin Williams - Director, Transport Research Group)

Any views expressed in this post are personal opinions and may not represent the views of Safe Speed

You remind me of how things used to be Peter.

When I first hit the road back in 75 I remember fully comp was almost double TPF&T and yet these days, as you say, there is hardly any difference Maybe having a rediculous excess has made a diference? I think little prangs constitute the majority of claims and you're not going to claim if you have an excess of £300 or £600.

I don't remember drivers having to cough-up silly money back then when they made a claim, but maybe time has clouded my memory...

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The views expressed in this post are personal opinions and do not necessarily represent the views of Safe Speed.
You will be branded a threat to society by going over a speed limit where it is safe to do so, and suffer the consequences of your actions in a way criminals do not, more so than someone who is a real threat to our society.

My god 1974 age 16 my first bike Yamaha FS1E £25 fully comp VWW78N, Had a front plate too ha ha (i rememeber the reg)
Bikes most of my life upto 98, last bike honda 400 superdream £30 TPFT with loads of NCB, Bad smash (non fault) then that was it with bikes. Had a quote last xmas for honda gl1100 £80 tpft
MR2 mk2 import now, £300tpft, Bikes are more dangerours but why so cheap to insure.
Must admit cars much better for me and no washing my Bloooooody freezing cold hands under a hot tap (my god that really did hurt)
Oh the old days i really do miss

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nigel_bytes

!974,18 years old and my 1300GT Escort ,Group 4 insurance(different grouping then) cost me about £100 fully comp. I'm paying about £250 now for a MK2 MR2 , which power to safety features is about the same spec as the Escort. (Group 16/17 now though)

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My views do not represent Safespeed but those of a driver who has driven for 39 yrs, in all conditions, at all times of the day & night on every type of road and covered well over a million miles, so knows a bit about what makes for safety on the road,what is really dangerous and needs to be observed when driving and quite frankly, the speedo is way down on my list of things to observe to negotiate Britain's roads safely, but I don't expect some fool who sits behind a desk all day to appreciate that.