New Insurance Laws - jamie745

Right i think its time this forum had a detailed discussion about this as the new laws have now come in to force. For those who havent been following it is now an offence to have a car which is taxed but not insured, this will mostly be an issue to those who have vintage cars which come out occasionally (even a tax-exempt vehicle is classed as taxed if its not SORN and is subject to penalty) or summer cars etc. Previously a car only had to be insured to use on the public road, if it was off road or unused it didnt matter, that has now changed, now if the vehicle is uninsured you're expected to return your tax disc to the DVLA and declare the vehicle off road.

Here is some further reading for those not currently up to speed

http://www.bbc.co.uk/news/business-13508147

http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Motorinsurance/DG_186696

What do people think about this? I can see the fact the Government want to clamp down on uninsured drivers and i think we can all agree on that but i dont see this being a productive way to go about it. Theres alot of blerb and spin in those articles about how "uninsured drivers cause more accidents" etc and yes perhaps they do,but its uninsured DRIVERS (as in cars which are DRIVEN) which are the problem which surely we should clamp down on, not uninsured cars parked in someones garage which never sees daylight? I dont see how seizing and scrapping Joe Blogg's Austin Maxi from his garage is going to bring premiums down. The argument of bringing premiums down is a non starter because its not the 4% uninsured (BBC's estimate) which have made price rise by 50% in the last year, its the insurance industries own referral fee system and public service data selling scandals which is causing the problem, not uninsured static unused vehicles, yet the Government seem to show no interest in attacking the real problem and solving the real issues at source, typical Tory policy, leave the billionaire companies to do what they like, attack the little man who's not doing anything wrong and put spin on it claiming they're "helping." When in reality all they're doing is forcing people to pay for insurance they dont need and further lining the companies pockets, giving them more money to spend on our illegally obtained details to offer us compensation we dont need for crashes we didnt have in cars we dont own in towns we havent been to, no doubt.

The one bit which isnt explained clearly yet is if you declare the car SORN and send back your disc, surely that means you cant cash the value at the post office then? So does that mean if someone has a car which they bring out for shows in say March, July and September, if they dont want to have it insured for the other 9 months for no reason they'll have to pay for three seperate tax discs in a year?

Edited by jamie745 on 05/07/2011 at 02:31

New Insurance Laws - unthrottled

Didn't Bobbin start a similar thread about a week ago? I'm with you on this. There's a nasty presumption of guilt about this piece of legislation. If my car isn't on a public highway, it's no one's business as to it's insurance, MOT or tax status. If it is seen to be on a public highway without any of the above, there is existing legislation to deal with it. Yet again, another example of intrusive new legislation that would be redundant if existing legislation was enforced.

New Insurance Laws - Bobbin Threadbare

Didn't Bobbin start a similar thread about a week ago?

Aye.

New Insurance Laws - jamie745

Well thats the key point isnt it, the existing legislation cannot be enforced because the Tories keep cutting the police budget, so to get round it they're going to force people to either line the pockets of private insurance companies to keep unused cars from the scrappy or fleece a grand off of innocent people which will no doubt be swanned off to Libya or to pay for schools in Terrorist harbouring nations or whatever else they use it for.

The existing legislation is fine, Tories have decided they dont want to pay for any police anymore to enforce it so once again its the rest of us who has to pay the price, i hope everybody does declare these cars SORN because if they dont its only going to line either insurance companies or the Governments pockets, neither of which deserve it, they're both greasing each other when what the Government should be doing is clamping down on the scandals currently responsible for high premium rises, theres been uninsured drivers for decades but yet the recent premium rises are unprecidented, so again i dont see how insuring unused cars is going to change that.

Edited by jamie745 on 05/07/2011 at 02:42

New Insurance Laws - unthrottled

The police need their budget cut. Cheshire police has a 2010 BMW X5. What possible need can they have for a luxury SUV?? Then there's the final salary pensions. Virtually no one in the private sector enjoys final salary pensions-why should the Police?

Healthy living fanatics have been so keen to extol their merits of their lifestyle choices, and so sanctimonious in punishing habits of which they do not approve that they have failed to spot that it is not fiscally desirable for everyone to live to a ripe old age. The chickens are coming home to roost. The Tory government is merely reflecting economic reality-an area in which Gordon Brown manfestly failed

New Insurance Laws - jamie745

Im not interested in any of that, all i know is its stuck up Tory b******s screwing the little man. The Police budget isnt going to cut their purchasing of vehicles, its going to result in sackings and less officers, to the point where when you need the police's help one day they wont be able to help you. Ive said for a long time if the Tories insist on scrapping the Police we may as well all tool up, they struggle as it is, less officers = more crime, end of. Why should the Police get those pensions? Well private sector people generally dont risk being stabbed or shot every day of their lives, having 15 year olds in hoodies spit in their faces and gangs jumping out on them and smashing them over the head, people have no respect or fear of police anymore so the only way to police now is by sheer weight of numbers, we need more, not less, if most private sector whingers had to put up with what the Police do they'd quit inside a week. Police do the hardest job in the country for a relativley modest wage as it is, if anybody deserves big pensions its them, not private sector t****s earning 50k a year in "human resources." So that answers your question, virtually nobody in the private sector does a job as difficult or dangerous as they do, so thats why nobody in the private sector deserves such a pension. Teachers on the other hand i have no sympathy for, barely do any work as it is, get all summers off, finish work at 4 (dont give me b******s about marking) and now they're complaining,be gone with them.

Back to the subject of the car insurance fiasco the fact is this legislation wont solve the problem. Do they think all the criminals with uninsured cars will now run out and insure them? No, of course they wont. They already know their car will get seized, will get crushed and they will get fines they wont pay and points on licences they dont have already if they're caught with it on the road, if that doesnt make them buy insurance then this wont either. The only people who will be scared into buying the insurance will be the ones who arent causing the trouble, the ones who dont drive said uninsured vehicles, it'll be the car enthusiast who brings his 68 Lotus Cortina out once a year who gets scared into paying it, not the uninsured scumbag drug dealers who you see on these fly on the wall police shows. As you said earlier the existing legislation is already there to deal with uninsured cars on the roads so this will change nothing. All that'll happen is honest hard working people pay extra for insurance they dont need on cars they dont drive while the uninsured scumbags continue as they always have done with reducing police numbers to enforce both existing and new laws as they'll stillbe out there causing accidents, driving without licences and generally nothing will change.

The only thing which will change is the innocent normal people will have less money, thats what i mean by typical Tory policy.

Edited by jamie745 on 05/07/2011 at 03:10

New Insurance Laws - FP

"Teachers on the other hand i have no sympathy for, barely do any work as it is, get all summers off, finish work at 4 (dont give me b******s about marking) and now they're complaining,be gone with them."

Well, you certainly cast your net wide, don't you, in your defence of "the little man" or "the innocent normal people" getting screwed by... well, everyone else, I suppose? And I thought the thread was about insurance laws.

As it seems you can read and write, Jamie, thank a teacher for that.

I know I won't convince you, but when I was a teacher of English I did actually do a lot of marking. Have you ever stopped to consider, for example, how long it takes to mark 120 essays produced by Year 12 in their mock GCSE exams?

As Head of English I was in school most evenings until 6:00, attending meetings and doing other work-related stuff. I was in school some term-time Saturday mornings for the same reason. I spent quite a lot of time in the school holidays managing book stock (how many books do you think a secondary English Department has?) and preparing texts for teaching (how easy is it to teach Shakespeare's Hamlet for A.L.? Or how about Chaucer?).

And don't even get me started on the standards of student behaviour.

Believe it or not, my experience was not untypical. But I don't expect to be believed, still less thanked, by some people.

New Insurance Laws - Bobbin Threadbare

Teachers on the other hand i have no sympathy for, barely do any work as it is, get all summers off, finish work at 4 (dont give me b******s about marking) and now they're complaining,be gone with them.

<looks at course info for September: "new teacher, you will have very little work to do at all, lucky you">

Oh dear Jamie, oh dear.

New Insurance Laws - WellKnownSid

The police need their budget cut. Cheshire police has a 2010 BMW X5. What possible need can they have for a luxury SUV??

In Cheshire, where every other person drives a luxury SUV (check out the Tesco car part at Handforth Dean on a Saturday afternoon!) then I don't think the Police would have much luck keeping up in an Astra 1.3.

Also, the costs of converting to a police spec are not inconsiderable, making the cost of the car less important.

Finally, I have it on good authority that the X5 is a great police car, able to soak up 150,000 miles in 18 months without needing the major works other cars do.

I'm not saying you're wrong... but there are two sides to the argument!

New Insurance Laws - RT

I don't see it as any issue for law-abiding citizens - either your car is taxed and insured - or - it's SORN'd.

The only people affected by the new insurance laws are those who flout the law - same as being the only ones affected by the continuous taxation change.

New Insurance Laws - madf

Obvious answer for uninsured drivers: fine drivers 5 times the average insurance quote for each year of non insurance.. Of course if you are on benefits, then you pay nowt. Solution: dedcut from benefits on the basis of each year of uninsured fine is taken off a year's benefits.

Of course it is not going to happen .. those nasty Tories with their Human Rights Act :-)

The fines for uninsured driving should be at levels which make it punitive to drive uninsured vs paying a premium.. at present it's cheaper. Must be the fault of the Tories last 13 years of Government...

New Insurance Laws - tmjs

typical Tory policy

This was originally Labour policy - the consultation was back in January 2009.

Don't see why it's a big deal, if your car is off the road then declare it SORN, you can do it online in a couple of minutes.

Edited by tmjs on 05/07/2011 at 12:26

New Insurance Laws - unthrottled

Sid, those arguments are terrible!

1.) The Cheshire SUV brigade is centred around Alderley Edge-there aren't that many elsewhere!

2.) The argument about 'keeping up with criminals' is tosh. For a start every good road comes to a -T-junction and, allied with congestion, means that your ultimate speed is seldom governmed by the power of your car.

3.) The police are not supposed to be indulging in car chases anyway because of the risks posed to other members of thre public.

4.) 150,000 miles tough miles? So less than virtually every minicab then. Funnily enough most taxi drovers seem to manage without luxury SUVs-perhaps because they buy their cars out of their own pocket...

New Insurance Laws - madf

Of course Cheshire police need an X5. How else are the senior officers going to keep up with the Joneses if they can't take it home to impress?

New Insurance Laws - unthrottled

Then they can buy one out of their own pockets!

New Insurance Laws - jamie745

Most minicabs dont do 150,000 miles at pursuit speeds going over speedbumps at 90mph (the sort of thing which used to smash the old Omega's to pieces, costing them a fortune). Police used to spend fortunes on the Omega's in particular to get them up to Police spec, if using an X5, being a more robust car helps cut that down then its a good thing long term.

unthrottled i think you should join the police and do the job, because until you do i dont think you should be allowed to comment. "indulging in car chases" pursuing criminals is their f***ing job you moron! There are rules of when to abort a pursuit if its too risky but their job is to catch criminals, not sit there and go "well it'd be dangerous to chase them so we'll let them go" because due to reducing police powers, law knowing scrotes and endless loopholes designed to let criminals go free means unless you catch them in the act red handed theres virtually nothing you can do to them. If you approve of having no police, no police cars, no police force, no police service then i really hope you dont need their help one day. Some people dont deserve it. You are clearly someone who is talking about something they know absolutely nothing about, you might know useless technical information about crankshafts but someone with your attitude wouldnt last 5 minutes in the police.

And it is a Tory policy because its a Tory Government, Labour ended up in power when alot of daft Tory policies came in and i bet you didnt let Blair get away with it so why should Posh t*** and Teaboy get away with it?

nobody is commenting on my point that its not actually going to solve the problem is it? They're dressing it up as a measure to get uninsured cars off the road but the real uninsured, the drivers with no licences etc are not going to be scared by this legislation, those are the ones causing the trouble, yet the ones affected will be law abiding motorists who might have a classic car they bring out twice a year.

And has anybody found out if returning your tax disc means you lose the value of it? and bringing it out three times a year means you have to buy three tax discs in a year?

New Insurance Laws - unthrottled

Jamie-Wannabe hot rodders can't be a***d to plough through all the 'useless technical information about crankshafts' because they'd rather jump straight into the exciting stuff like big cams and big turbos. That's why their engines fall apart after 5000 miles or are horrible to drive. You need the 'useless technical information' to understand why a stock engine is the way it is.

It's similar to Police work. No doubt the Gene Hunt/Harry Callaghan style stuff is more exciting than mundane burglary investigation, but in the real world, it's the latter that really matters. We don't need plod marauding round our streets in SUVs breaking all the rules that the rest of us must follow for, supposedly for our own protection. That's why we dont routinely arm our police Jamie. The principal is that he police enforce the law by consent-not force. It's an important principal.

In the rare times that they need to 'chase a suspect', they can call out the chopper which is a far safer method of pursuit than a car.

New Insurance Laws - Collos25

Nothing to discuss if people did not bother with insurance before this law they are hardly likely to bother now.To many loop holes in the UK insurance and other rules regarding registration.

New Insurance Laws - RT
And has anybody found out if returning your tax disc means you lose the value of it? and bringing it out three times a year means you have to buy three tax discs in a year?

The refund is calculated in the usual way, using the monthly rate from a 6-monthly disc for each complete or partial month on the road.

Bringing the car out 3 times a year does mean buying 3 discs - but you also get 3 refunds!

It seems blindingly obvious that if the police spend less time looking for "casual" defaulters - because they just get a printout of owners/addresses to go to and impound the car - then they actually have more time to go chasing the real criminals, including serial evaders on driving licences, VED and insurance.

New Insurance Laws - unthrottled

It's not an issue for most motorists who simply renew insurance and tax on an annual basis, but with cars that are on and off the road on a regular basis, this is a hassle that the owners can well do without. These owners are often hard up , but not law breakers.

With ANPR there is simply no need for this sort of heavy handed rubbish. VED evasion is solved quite simply by scrapping VED or making it a nominal fee. I've argued before that it is a useless tax, equivalent to the 18th century window tax. It raises revenue on a very arbitrary basis.

New Insurance Laws - davmal
"Most minicabs dont do 150,000 miles at pursuit speeds going over speedbumps at 90mph"

They do around our way!

I take it you are a police officer then Jamie, as you believe that only people who have been there should be able to judge (be interested if you ever contracted syphilis, would you insist that your physician had had it too?)

I do agree with your point about criminals who play the system, though. The likes of people who scam insurers by fronting is a particular problem, you could call them the real uninsured morons who aren't intimidated by legislation.
New Insurance Laws - dieseldogg

Jamie745,

Most English Police appear to be quite unsuitable to be allowed out in a fast car.

From the evidence of "Police Camera Action" & my own eyes.

Some of the Police driving as filimed was totally unacceptable.

The accidents & deaths attrituable to pursuit driving unfortunately testify to this.

I knew a local Ex RCU man who ruefully said that unless one could "kick it", "break it" or "f..k" it should not be in use the Police Service, he was not joking, it is all that testerone at work.

I also know some very very decent RUC/Police officers

The Police are merely a reflection of Society as a whole, unfortunately including the criminal elements and the nutters who like to drive fast, when they get an excuse.

I would too iffen I had an excuse to switch the "blues & twos" on.

There is the odd sound one lurking in there too I can only presume.

Like Westpig?.

New Insurance Laws - jamie745

Send a maniac to catch a maniac.

New Insurance Laws - the quiet man

The police need their budget cut. Cheshire police has a 2010 BMW X5. What possible need can they have for a luxury SUV?? Then there's the final salary pensions. Virtually no one in the private sector enjoys final salary pensions-why should the Police?

Very true, but then nobody in the private sector pays 11% of their salary in pension contributions either !

New Insurance Laws - unthrottled

Very true, but then nobody in the private sector pays 11% of their salary in pension contributions either !

You missed out the fact that the employer contribution is 24%, and that some police officiers only pay 9%. So the employer contributes £2.18-£2.67 for every £1 the employee puts in. In a typical defined benefits stakeholder pension the employer matches £1 for £1 up to about 5%. Nowhere near as generous.

New Insurance Laws - NARU

The existing legislation is fine...

Leaving aside your political rants, from what I see, the existing legislation is not fine.

I hear that some parts of Bradford are now uninsurable due to the number of uninsured cars and cash for scams rackets going on.

If the police don't see the car being driven, nothing gets done. At least the new rules mean the car can be seized (eventually) without anyone needing to see it being driven.

I get really angry when I see a report in the paper that someone was fined £100 for no insurance, when some of the law-abiding local lads are paying £2000.

I don't think the new rules go far enough. But they do move in the right direction. SORN it or insure it.

New Insurance Laws - jamie745

I wonder if all the criminals sorning their uninsured cars will be a way of staying off the radar for some time because then you'll only be caught if its seen on the road by police (the same as before), if they cotton on to that we'll be back in the same position we are now, instead of uninsured cars, it'll be SORNed cars lol. Because surely SORNing it means the database shows it as off road so it wont be seized, so the only way they'll be caught is if its seen on the public road, just the same as it has been for years. Even if it is seen they wont be able to take it later off private land with no evidence of someone driving it if it is registered SORN. Im shocked the Government have been stupid enough to leave such an alarming loophole. The semantics will change, the realities wont.

And i put to you, is it the vintage car owners who bring their cars out once a year (insured for that day) who are pushing the premiums up and making Bradford uninsurable? Or is it the criminal scrotes who havent been deterred by seize and crush measures already and wont take any notice of this either who will continue to drive without licences, without insurance, in stolen cars, getting points on licences they dont have and getting fines they wont pay?

New Insurance Laws - jonmac2910

It's a simple but effective piece of legislation. Only ones who spout up about it are the ones who try to flout it.

New Insurance Laws - dieseldogg

In that respect I never saw any reason to get "raised" about this new law.

My cars not on the road are properly SORNed..........................I think?

The rest are properly insured for all drivers concerned.

New Insurance Laws - jamie745

Im not a police officer no but someone i work with is an ex-traffic cop and i do have a rough idea of what such work entails and in my view the Police have the hardest job in Britain and should be paid some respect, not treated as a disposable budget and slated by armchair police officers who think they can do better but never get up off their backside, join up and prove they can do it better *coughs* unthrottled. And you cant use a helicopter for every single crime unless you advocate spending more money on the police, and police pursuit drivers are very well trained and accidents with them involving the public are extremely rare, you or i are more likely to crash into someone at normal road speeds than they are during a pursuit, perhaps we should all drive faster to be statistically safer. There are guidelines as to when risk to the public outweighs benefits of a pursuit, usually when they know the pursuit will drive the suspect to even more potential risk they will call it off.

In my view we should take some leafs from the Americans books, pursuits would be over much faster if we did what they do and take out the back end of the car, but in the interests of safety and finances we use 10 cars to gradually slow it down instead of 1 car to crash into it, although there are rare extreme circumstances when our police are authorised to knock the back end. A third reason why we dont is potential risk to the safety of the criminal, where as in the states they'll run them over, sweep them up and if still alive they'll arrest them. I also feel if the Government insist on cutting police numbers, and their new idea is to have more Police single crewed then the time has come to give them guns. If you want to send police out on their own they have to be armed, the time has come. If you see any of the shows on Sky, Street Wars etc you'll see how people arent afraid of the police, three hoodies jump on one officer and smash their face in, one policeman on his own is a lame duck.

Again this is going off topic, the brutal fact is this legislation WILL NOT stop the uninsured criminals who apparently cause all the problems. It WILL NOT bring premiums down because uninsured drivers are not the reason for the recent skyrocketing prices. The reason is the industries own referral fee system and the public service selling our details to companies, what are the Government doing to clamp down on this? The real route of the problem? Nothing.

New Insurance Laws - unthrottled

In my view we should take some leafs from the Americans books, pursuits would be over much faster if we did what they do and take out the back end of the car, but in the interests of safety and finances we use 10 cars to gradually slow it down instead of 1 car to crash into it,

What a thoroughly stupid idea. If you cause the car to spin out, the chances are that the witless fugitive will simply carry on in the opposite direction. These cars are often stolen; would you want your new jag rear ended time and time again.

I also feel if the Government insist on cutting police numbers, and their new idea is to have more Police single crewed then the time has come to give them guns. If you want to send police out on their own they have to be armed, the time has come. If you see any of the shows on Sky, Street Wars etc you'll see how people arent afraid of the police, three hoodies jump on one officer and smash their face in, one policeman on his own is a lame duck.

Another stupid idea since the hoodies are usually unarmed-and you can't really shoot unarmed people. I'm tired about hearing how hard the Police's job is. People fight tooth and nail to get into the force-you could fill each post 10 times.

Edited by unthrottled on 05/07/2011 at 20:37

New Insurance Laws - jamie745
if only they had enough money to fill the posts 10 times. if they did start shooting unarmed hoodies that'd solve the problem inside a week, wouldn't offend again would they?

And if its any consollation, the police probably think you're all complete t***s aswell and they probably do weigh up whether its worth responding to emergency calls when all the public hate them and the media's out to get them.
New Insurance Laws - unthrottled

I dare say a lot of people think I am a [whatever profanity you wrote], but I can spell consolation, I don't come up with with 'the Sun says' law enforcement solutions, I'm not an aspiring car dealer who got sold a lemon-by his own parents.

New Insurance Laws - jamie745

Can you spell f*** off properly too? The best response you can come up with is that you can spell well, well done *claps* that adds another notch to the t***-o-meter.

Edited by jamie745 on 06/07/2011 at 01:21

New Insurance Laws - bonzo dog

nobody is commenting on my point that its not actually going to solve the problem is it?

I suggest this is because any arguement you post to back up your views (in this case which i agree with), are so wrapped in teenage, drunken, semi-literate, foul mouthed rants with puerile anti-Tory slogans, that any sensible message you wish to communicate is so obscured as to be missed.

Also, if someone comes across with idiotic postings as frequently as you do, any sensible posting you do make will be dismissed as plagiarism.

Grow up Jamie, for your own sake

New Insurance Laws - davmal
"Im not a police officer no but someone i work with is an ex-traffic cop and i do have a rough idea of what such work entails"

I work with an ex brain surgeon, so I have some idea of what the work entails, due youthink I might have a future in this field?

"In my view we should take some leafs from the Americans books"

Focal Point may help here, but as you're a bit of a pedant, isn't the plural of leaf, leaves?

"If you see any of the shows on Sky, Street Wars etc you'll see how people arent afraid of the police,".

Dont (sic) you think that these shows exist to venerate the minority who are not afraid of the police (such as people who front insurance policies for offspring), these people are atypical of society.

So, ten times as many police and the legalised shooting of unarmed teenagers without any recourse to legal process.

Well done, your biggest pile of "engrais" yet.

On the other hand, are we perhaps experiencing the "Bate's Motel phenomenum"? Are Jamie and Unthrottled both the same person caught up in a schizophrenic war of attrition?
New Insurance Laws - Bobbin Threadbare
Are Jamie and Unthrottled both the same person caught up in a schizophrenic war of attrition?

<laughs head off>

New Insurance Laws - dieseldogg
If the Police contribute 11% of their salary.
Why is 20% of the gross budget in some Police force areas spent on their pensions.
It is still grossley patently unaffordable.
New Insurance Laws - davmal
The Armed Forces do not contribute to their pension scheme at all.
New Insurance Laws - bathtub tom
Are Jamie and Unthrottled both the same person caught up in a schizophrenic war of attrition?

<laughs head off>

I think rdelooze1984's first name may be Jamie: www.honestjohn.co.uk/forum/post/index.htm?t=87127

New Insurance Laws - jamie745
New Insurance Laws - jamie745

Again if the best you can come up with is poking fun at peoples spelling then that just makes you look a total t*** mate, carry on. Nobody respects a grammer warrior.

New Insurance Laws - davmal
Grammar?
New Insurance Laws - NARU

nobody is commenting on my point that its not actually going to solve the problem is it?

I suggest this is because any arguement you post to back up your views (in this case which i agree with), are so wrapped in teenage, drunken, semi-literate, foul mouthed rants with puerile anti-Tory slogans, that any sensible message you wish to communicate is so obscured as to be missed.

Also, if someone comes across with idiotic postings as frequently as you do, any sensible posting you do make will be dismissed as plagiarism.

Grow up Jamie, for your own sake

I agree.

New Insurance Laws - madf

I agree with Marlot and live in hope...

New Insurance Laws - dieseldogg

I too agree wholehartedly.

But live in a state of despair

New Insurance Laws - jamie745

My warning about police cuts would be when they get rid of all of the police and someone breaks into your house, or steals your car, or assaults you or your family just remember who made it so as there was nobody to help you. Thats what concerns me.

It seems you're all so grey, Tory and dull that you couldnt even recognise the comment about shooting unarmed hoodies was merely tongue in cheek to see if you'd take it seriously, shockingly you did, dear god. Liven up people. You all take yourselves far too seriously. (Avant perhaps we need smiley's on here so as people can understand things better) Although one minute you all bang on about respecting the law then the next you advocate stringing people up for driving without insurance, which is it?

Im getting sick of the snide referances to the fact my parents paid for my insurance ten years ago, grow up for goodness sake people and comparing it to the criminals putting up insurance premiums is silly, thats like me saying someone who steals a bottle of shampoo is on a par with Harold Shipman, there are varying degrees and grey areas in life people, but Grey Tory bastads generally dont see that (unless you say sorry for raping someone early of course, then you get let out early, to save money).

Sticks and stones....

EDIT: i'd like to make a serious point on the matter of the insurance thing though, i think i mentioned it above but nobody was interested. If all the criminals now Sorn their cars instead and still drive them will that put us back in the situation we were in before where the only way to do anything about it is if they're seen on the road?

Edited by jamie745 on 06/07/2011 at 17:23

New Insurance Laws - madf

EDIT: i'd like to make a serious point on the matter of the insurance thing though, i think i mentioned it above but nobody was interested. If all the criminals now Sorn their cars instead and still drive them will that put us back in the situation we were in before where the only way to do anything about it is if they're seen on the road?

ANPR will pick them up immediately... when on the road...

Most criminals either steal cars or buy them and don't register them in their own names. SORN only works if you register the car so traceability is possible. Criminals don't like traceability for obvious reasons..

The whole point of SORN is now policing is simplified.. If a car is NOT Sorned it must be insured. So match the DVLA and insurance databases and you find ALL the uninsured cars. Period. So all you need is a systematic sweep round of all car owners in the uninsured/not SORNed category.. and remove their cars. Period. No discussion/no stopping. Nothing. No excuses.Just roll up at the address and remove the cars.

Speeds up the process and makes policing proactive rather than reactive.

I reckon you could take a lot of cars off the road - literally - for little effort...

New Insurance Laws - jamie745

I think they'll still run into some problems with taking vehicles off private land, where i work we had people dumping untaxed cars on our car park and the police wouldnt do anything about it, their response was "its private land we cant touch it, but if its the road let us know!" So unless that law has also been changed they may end up with some issues to overcome still.

But another point is that, as you say criminals dont like to be traced obviously but in alot of cases they (or someone they know) does actually own the car, the ones who regularly drive the same car uninsured. So i still think there'll be a sizable number who just sorn their car, meaning it cant be taken from private land under these rules and also means it'll only be caught if seen on the public road, which will be no different to how it was previously. But could this mean there is now higher risk of your SORN'ed cars in garages and on drives etc being stolen? Because if so then the option of Sorning it and not paying insurance becomes difficult because if theres more risk of it being stolen now then it'll have to be insured, criminals will start stealing more cars more often, insurance companies will be paying out more, ok "laid up policies" will probably become more common but is this a side of it they havent thought about? Out of nowhere now your sorn car at the back of your house is a bigger target for theft than your insured one at the front (obviously both would get reported stolen but if the one at the back is sorned then surely theres no comeback for the poor owner if they havent insured it)

Edited by jamie745 on 06/07/2011 at 18:05

New Insurance Laws - NARU
...generally dont see that (unless you say sorry for raping someone early of course, then you get let out early, to save money).

That was a policy introduced by labour!!!!!!!

All Ken Clarke was proposing was increasing the discount from 1/3 to 1/2.

New Insurance Laws - jamie745

Oh well thats alright then as thats *all* what he was doing. So you disapprove of cutting it by 1/3 under Labour but a Tory favouring 50% off is perfectly fine? Consistency would be nice. But it is further proof the Tories have lost their way, one thing you have been able to count on them for is strict, clear law and order policies, to suggest (and it wasnt just Ken Clarke it was the entire party who agreed this plan but all rapidly backtracked when the public became outraged and now all claim they didnt agree with it and hang Clarke out to dry) this poor policy, purely on the basis of saving money shows they're going too far in my view. I could talk endlessly with you about the horrific hilarious failings of the last 14 months of terrible Government but im doing my best to stick to the insurance topic here.

Does anybody else feel these new laws could result in more Sorned cars from garages being stolen or will it not make any difference?

Edited by jamie745 on 06/07/2011 at 18:42

New Insurance Laws - NARU

...So you disapprove of cutting it by 1/3 under Labour but a Tory favouring 50% off is perfectly fine?

I didn't say I disapproved of it under labour. I was just putting the wider context onto it. As it happens I didn't agree with increasing it to 50%. You read far too much into a sentence. No wonder you see malice in every comment.

I give up. You win. The tories are the worst. Happy now?

New Insurance Laws - FP

"...im doing my best to stick to the insurance topic here. "

No, you're not. You can't stop yourself having a pop at various other pet hates - mainly political. The result - people get drawn in on the various side-issues and the main topic gets lost. It's not really a Motoring Discussion at all.

New Insurance Laws - jamie745

May i say you pointing that out really helps with the sticking to the discussion plan. Thanks for that.

New Insurance Laws - FP

"May i say you pointing that out really helps with the sticking to the discussion plan. Thanks for that."

You're very welcome. You see, I thought this thread had pretty much gone down the pan and I reckoned I could help you to stop the same thing happening when you start your next topic.

New Insurance Laws - jamie745

It was unthrottled who started banging on about Police deserving cuts and Cheshire's BMW's etc, if you rewind you'll see all i was saying was cuts will mean less officers to enforce both existing and new legislation. If you poke me i will respond to you, i will not just leave it, somebody says something i dont like im gonna tell them, thats what im like, but i will not take responsibility for this "thread going down the pan" as theres at least 20 posts from the rest of you in here all having a go at me, being grammar warriors and generally not sticking to the original subject either.

How am i expected to work with this? Im an artist!

New Insurance Laws - FP

"If you poke me i will respond to you, i will not just leave it, somebody says something i dont like im gonna tell them..."

Well, we feel the same way, Jamie, so if you stick your neck out we'll respond.

If you rewind you'll see that it was you who introduced the little rant about teachers (for example), which I responded to. And it's you that's got a bee in your bonnet about the Tories.

"How am i expected to work with this?" - Try to say a LOT less. If you dominate a discussion people just get sick of you.

Edited by FocalPoint on 07/07/2011 at 03:10

New Insurance Laws - RT
...generally dont see that (unless you say sorry for raping someone early of course, then you get let out early, to save money).

That was a policy introduced by labour!!!!!!!

All Ken Clarke was proposing was increasing the discount from 1/3 to 1/2.

That was all a PR disaster - it's not difficult to get wholesale support for increasing the penalty when the accused doesn't plead guilty at the earliest opportunity - which is all the same thing really.

New Insurance Laws - jamie745

But a "discount" already existed for early pleas there was no need to meddle in that policy. The entire Government agreed to these plans but they all backtracked very fast when the s*** hit the fan and they hung Clarke out to dry, when he was too much of a bumbling fool to be entrusted with such a PR exercise in the first place, why wasnt PR expert Cameron doing it instead? Probably because he wanted to be in a position where he could be seen to slam the policy when the public declared their outrage, making him look good, when in reality he ok'ed the policy before hand. Slimey slippery b******.

New Insurance Laws - jamie745

In answer to my question from earlier about sorned cars more at risk of being stolen, i suppose the majority of cars registered sorn will be classic cars which albiet easier to break into, if you just take the wheels off it'll make it virtually un-nickable. To be fair.

There, i showed some balance, happy now?

Edited by jamie745 on 06/07/2011 at 18:57

New Insurance Laws - veryoldbear

I hereby declare my buggy SORN and I have taken the wheels off and they are also off-road and in the back bedroom.

New Insurance Laws - Bobbin Threadbare

My goodness boys....I leave you alone for 5 minutes....!!

New Insurance Laws - dieseldogg

Sigh

It's all gone quite quiet!

Ding! ding!......................................seconds out

New Insurance Laws - NARU

I decided I couldn't bothered contributing any more.