Yeah, we've talked about various demographics, I've talked about my 18yo brother of course, but like I say, we've not really established the demographic that's the worst for not paying insurance (or do you know this - please provide reference if so).
IME it *isn't* the age that's a direct reason in whether they pay, it's simply how much it costs in relation to their income. Of course, the age puts a bearing on that relationship, but so does personal circumstances.
BBC1 Traffic Cops 48I'll get around to replying to the rest when I have more time, but this bit made me laugh *so* much, I had to reply sooner just to point it...
You have never said such a thing in this thread (and I've just done a search to confirm). Please provide a quote or reference if you want to prove me wrong.
Your further propensity for lying is noted. It seems once you start, you just can't stop. Am I supposed to be taking you seriously when you resort to this? How can I know what else you've lied about just to make a point? Your dad? His knees? Your mum? Who knows what else you've been lying about...
BBC1 Traffic Cops 47were saying : Yes, I do. It's criminals who see no problem in breaking the law. No, the only thing that matters is whether they are the sort of...
I have no idea - but if it's paid for, so what? Perhaps inadvertantly you're acknowledging that poorer families where the parents (one of whom may well no longer be around of course), are skint and cannot pay for their kid's insurance are the ones to are the ones more likely to skip it?
Probably plenty of claims. He lives in a poo area just outside of town where people steal cars rather than get a taxi. His car's a shed so there's not much of an alarm or immobiliser. Regardless of his NCB (which as you can imagine is none), or his driving record (which I don't know about), his premiums are going to be high.
How much would your insurance have to cost before you got yourself back on a bike? In comparison to your after tax income. buttuming you wouldn't want to give figures (but it would be good if you could), provide a percentage.
Yeah, he should just pop down to the car showroom and pick up a Punto. Didn't you remember the bit about when he had the car given to him? I can't imagine the car itself making too much difference. Like I say, it's the area.
BBC1 Traffic Cops 49Well I certainly have to tell them enough details about myself. I can't imagine there's too many...
LOL! Just because you've not been paying attention doesn't mean the goalposts have moved!
People for whom the cost of insurance is a ridiculous sum compared to their income. That's all. Whether that's due to a low income or high premiums, the equation is still the same.
There are far many other factors to paying more for insurance Adrian...
Oh my, you're really off on a tangent! We've got ourselves into "high-risk" drivers now..
In any case, since I try to answer every point, I'll answer this anyway..
Drivers who have proven themselves to be high-risk should pay the higher premiums. As stated elsewhere, I feel it's unfair that 17yo are initially buttumed to be high-risk (however true this may be), but I'm not sure how the industry would ensure that high-risk drivers paid for the cost of their crashes retrospectively. There certainly should be further emphasis towards that, hence my comments about an up front NCD system - the only point about which you could make is that the
Drivers who have proven themselves to be high risk pay more.
