To old to drive?

[Margaret Pilkington]

you won't be a non believer by the time I have done my bit

[Neil]

Originally Posted by Margaret Pilkington

you won't be a non believer by the time I have done my bit

Oh yes I will. If I start to see ghosts I will just blame it on the medication

[Margaret Pilkington]

Neil, you won't see me......but you will feel the prod....left shoulder blade, right where it hurts....but of course you will put it down to Arthritis ......but you will know it's ME

[BLACKBURN RAVER]

Originally Posted by Margaret Pilkington

In Barries post he mentioned the insurance rates...which you pointedly ignored by saying there were insurers dedicated to young drivers and women........my point was that Saga discount their rates for older drivers. In fact I don't think they insure drivers under the age of fifty...that must tell you something......and I would be very grateful if you would accord me the courtesy of not insulting my posts.
I did not insult you for your opinion. If you do not like my opinion, then don't respond to my post.

RATES quite right he did, and i also said that there are companies that specialise in giving rates (although i didnt mention the word i must admit) to drivers in other age/gender categories too, he gave his example i gave mine, if he is over 50 and went to a company that specialised in drivers of 21 or less im sure the same rule would apply to him regarding rates..so no i did not ignore his post, your post however did, by saying that rates were discounted when infact nowhere in any post above had this been mentioned...

Originally Posted by Margaret Pilkington

If you do not like my opinion, then don't respond to my post.

DITTO ....

[Eric]

Insurance rates are not set by whim; they are the result of actuarial science. Therefore, if the insurance companies charge higher rates for drivers under the age of 25, it is because those drivers tend to have more accidents ... this is also true for the elderly. Most insurers also set rates for individual drivers based on the number of times they have made a claim ... I am 64 (never thought that when I first heard that song, that I would ever reach this age), and have never made a claim. For full coverage on my vehicle, I pay just under $500.00 a year. My insurer obviously thinks, that even in my dotage, I am a good risk. However, when I reach my three score years and ten, I will be required by MTO (Ministry of Transport, Ontario ... every province has it's own regs.) to take an annual road test.

[accyman]

of course insurance rates are set on a whim thats why it is always better to shop around and not stay with an insurer each year because they never give any discount unless you ring back with a lower quote

if they had to stick to a price because of statistics there would be little in variation of prices between companies yet for some reason there can be up to £900 a year difference between companies

seems whimsical to me

this so called science is not science it is merely surveys which they pick out the parts they want to include so as to be able to charge extoritionate premiums and this is why they can afford to undercut each other by such huge amounts.It all depends on which company is willing to reduce their level of greed the most

they argue that 3 points for speeding makes you a greater risk where as teh other side of that argument is that somone with 3 points is going to drive a lot more carefully so as to avoid further fines and points and therefore should have cheaper insurance not extra lol

[Neil]

Originally Posted by accyman

they argue that 3 points for speeding makes you a greater risk where as the other side of that argument is that somone with 3 points is going to drive a lot more carefully so as to avoid further fines and points and therefore should have cheaper insurance not extra lol

You must be getting mixed up between someone with 3 points and someone with 9 points

[Eric]

Originally Posted by accyman

of course insurance rates are set on a whim thats why it is always better to shop around and not stay with an insurer each year because they never give any discount unless you ring back with a lower quote

if they had to stick to a price because of statistics there would be little in variation of prices between companies yet for some reason there can be up to £900 a year difference between companies

seems whimsical to me

this so called science is not science it is merely surveys which they pick out the parts they want to include so as to be able to charge extoritionate premiums and this is why they can afford to undercut each other by such huge amounts.It all depends on which company is willing to reduce their level of greed the most

they argue that 3 points for speeding makes you a greater risk where as teh other side of that argument is that somone with 3 points is going to drive a lot more carefully so as to avoid further fines and points and therefore should have cheaper insurance not extra lol

There most definitely is an actuarial science, and insurance companies do base their rates on the tables produced by actuaries. That doesn't mean that they slavishly follow the tables to the exact tenth of a cent ... insurance companies are in the business of making money; so, they will charge what the customer is willing to pay. People choose a particular company based on more than price. Service is still important. And customers will stay with companies that give them good service. If this were not the case, then all would insure with the cheapest company.

By the way, is there any form of government insurance over there ... a couple of Canadian provinces have government insurance ... a driver must have basic insurance from the govt. ... it is included in the price of the plate ... insurance companies are, of course, opposed to this, as the provincial govt. will offer the lowest possible rate without haggling ... those who wish to have extra coverage, say, for example, a lower deductible, or, esp. in Saskatchewan, which still has quite a few gravel roads, insurance for the windsheild, can buy it from a private company.

[accyman]

Originally Posted by Neil

You must be getting mixed up between someone with 3 points and someone with 9 points

lol they get even cheaper insurance because lets face it they aint gonna be driving for another 12 months at that rate lol

[Eric]

And govt. insurance must be good ... it's a product of the New Democratic parties .... that's Labour, old style.

[accyman]

Originally Posted by Eric

By the way, is there any form of government insurance over there ..

no our govenment makes a law saying we have to have insurance but dosnt provide such a service and leaves us at the mercey of insurance companies who can charge what they like because the law says we have to have insurance and the only way you can reduce the cost is solely because they compete against each other and nothing else.

insurance companies shoudl be disbanded and it shoudl be put int govenment hands


£200 per year plus extra £100 for every 3 points you have on your licence

no bans except for very serious offences and a choice between points or a fine not both as it currently stands

drink driving you get banned for life

edit:

oh and while im in cookoo land people who drive their cars in our country long term would have to pay road tax like the rest of us unlike the poles for example who dont have to

[entwisi]

they have 12 months from point of entry to tax and MOT and insure their cars mate, if you know of cars that have been here longer report to your local traffic plod who will attand to it.

[Ken Moss]

Originally Posted by Eric

There most definitely is an actuarial science, and insurance companies do base their rates on the tables produced by actuaries. That doesn't mean that they slavishly follow the tables to the exact tenth of a cent ... insurance companies are in the business of making money; so, they will charge what the customer is willing to pay. People choose a particular company based on more than price. Service is still important. And customers will stay with companies that give them good service. If this were not the case, then all would insure with the cheapest company.

By the way, is there any form of government insurance over there ... a couple of Canadian provinces have government insurance ... a driver must have basic insurance from the govt. ... it is included in the price of the plate ... insurance companies are, of course, opposed to this, as the provincial govt. will offer the lowest possible rate without haggling ... those who wish to have extra coverage, say, for example, a lower deductible, or, esp. in Saskatchewan, which still has quite a few gravel roads, insurance for the windsheild, can buy it from a private company.

It seems that Canada has a more consistent approach to insurance than UK companies, then. My last car was a beat up little Punto, a runner that cost me £500 and was cheap to fill up yet my quotes ranged from £305 fully comprehensive to £2590 third party only which even made the broker on the phone snigger.

I'm 31 and statistically in England the most likely person to have a car accident is an under-25 male in a red car in Manchester. It's vaguely amusing to hear how many insurers think that Blackburn is too near to Manchester to be able to give me a better quote.

I am not trying to get away from the original point though and whoever it was who said that we should be trying to root out ALL bad drivers was spot on. Someone else also said that you are never going to stop accidents from happening, which is correct but we can try to prevent as many as possible.

I don't see the problem with re-testing the elderly at a set point and I also agree with much tougher penalties for young drivers who are responsible for accidents that were not due to mechanical failure or a proven medical incident at the wheel.

[firefighter753]

Suggest you also Google;
young drivers bad driving habits

Yes but young drivers aren't the issue here are they?

[Less]

Originally Posted by firefighter753

Yes but young drivers aren't the issue here are they?

Surely they shouldn't be excluded from a thread that wants to make roads safer?

Or was the point of the thread just to blacken the name of a man involved in a tragic accident, the results and reasons for which we can only speculate as no official statement has yet been announced?