FabSwingers.com forum: it makes us mad....

By *ornyHorwichCpl aka HHC OP Couple
over a year ago

horwich

when uninsured unlicensed driver get nicked and then given a £100 fine. It's hardly going to make them go and get some as the fine is cheaper.

We think they should take the insurance group for the car they get nicked in, get an average quote from the top 3 insurance brokers and make the fine a multiple of that, plus, a ban until it has been paid in full.

Rant over and really should stop Road interceptors

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By *etillanteWoman
over a year ago

That is a bloody good idea

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By *aravancoupleMan
over a year ago

A Secret Hideaway In the caravan of love

We have to agree 100%

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By *ENGUYMan
over a year ago

Hull

"when uninsured unlicensed driver get nicked and then given a £100 fine. It's hardly going to make them go and get some as the fine is cheaper.

Rant over and really should stop Road interceptors

And to ram home the message too, when they do the same offence repeatedly, say, 3 times, ban them for life!

If they then do so again, lock 'em up for minimum 10 yrs!

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By *ornyHorwichCpl aka HHC OP Couple
over a year ago

horwich

Might help the premiums go down for the law abiding.

We don't even drive

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By (user no longer on site)
over a year ago

top idea

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By (user no longer on site)
over a year ago

the trouble with car insurance is it is not optional it is law to have it and insurance companies know they can charge sky high prices and get away with it.something has to be done so young ppl who have just passed there test are not hit with ludicrus quotes to drive a car.if something is not done then more and more ppl will drive with no insurance becauce its just not affordable.yes i know ppl are gunna say ya cant afford the insurance then dont drive but this is the real world and ppl will take there chances when insurance companies are doing nothing to address the problem .

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By (user no longer on site)
over a year ago

Do people really only get fined £100? I think you will find that it is almost always linked to other offences such as not tax/mot/licence and if it's not taxed then it is probably getting crushed, no licence is invariably going to be more than £100 fine.

That said, i agree with the comment about lifetime bans, as a culture we need to stop viewing driving as a right and view it as a privilege. But i also agree with the comment that premiums are so steep that it becomes a vicious circle.

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By *ornyHorwichCpl aka HHC OP Couple
over a year ago

horwich

"Do people really only get fined £100? I think you will find that it is almost always linked to other offences such as not tax/mot/licence and if it's not taxed then it is probably getting crushed, no licence is invariably going to be more than £100 fine.

Life according to Road Interceptors says so presume there is an element of truth in it.

We agree the premiums are so high sometimes that it seems worth the risk but does that make it right.

Premiums are not helped by the number of dodgy crash claims where there are always 6 people in the car who all of course have whiplash

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By *ll of a QuiverCouple
over a year ago

Douglas

Fair point and a great idea about the life ban.

However, if they're out driving with no licence or insurance, would a lifetime ban really deter them?

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By *ensual temptressWoman
over a year ago

Southampton

police can now offer the offender to arrange insurence on the spot .if they cant or wont do that then car is taken straight off them and could also be crushed . people say that its worth the risk not to bother with insurence but with everything about your car on computor is it really ? takes a camera a fraction of a second to scan number plate and flag up any issues .so chances of the insurence dodgers being caught alot higher than before ! people are taking about prison terms for them ,sorry but there will always be some who will still take the gamble no matter how high the risk . why should we also have to pay for them while they are taking up space in prison ? community service would be better ! clearing the rubbish from the sides of the roads they illeagally drove upon ect . dont think there is anyway to fully stop the problem , you can only make it as difficult as you can to get away with and just not worth the agro

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By *ENGUYMan
over a year ago

Hull

"police can now offer the offender to arrange insurence on the spot .if they cant or wont do that then car is taken straight off them and could also be crushed . people say that its worth the risk not to bother with insurence but with everything about your car on computor is it really ? takes a camera a fraction of a second to scan number plate and flag up any issues .so chances of the insurence dodgers being caught alot higher than before ! people are taking about prison terms for them ,sorry but there will always be some who will still take the gamble no matter how high the risk . why should we also have to pay for them while they are taking up space in prison ? community service would be better ! clearing the rubbish from the sides of the roads they illeagally drove upon ect . dont think there is anyway to fully stop the problem , you can only make it as difficult as you can to get away with and just not worth the agro "

Sorry, must disagree with you. If you see the programmes on TV, plus what I've heard from other media, is that if you are stopped because you don't have insurance, the official view is that the offence has already occurred.

Insurance is NOT offered on the spot; he car is retrieved and held in a compound for a fixed period of time, after which if the appropriate documents are not produced, then the car is crushed.

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By *ornyHorwichCpl aka HHC OP Couple
over a year ago

horwich

there is a boundary round London which is monitored and can pick up a license plate and connect if it has been reported stolen or used in a crime. Then with our plethora of CCTV can track it.

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By *atisfy janeWoman
over a year ago

Torquay

The police won't be offering to arrange insurance for someone they have just nicked for that very offence....

Unless that is the new government see Insurance company sponsorship of police forces is a good idea, we could soon have Compare The Market police cars driving along with the coppers dressed as meerkats!...

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By *ornyHorwichCpl aka HHC OP Couple
over a year ago

horwich

"The police won't be offering to arrange insurance for someone they have just nicked for that very offence....

And get a free cuddly toy with every convert

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By *umourCouple
over a year ago

Rushden

"Fair point and a great idea about the life ban.

However, if they're out driving with no licence or insurance, would a lifetime ban really deter them?"

Just because someone doesn't take notice of the ban, we don't impose one? No! Make the penalty so punative that they have to take notice! You crush the car everytime they get caught, even with cheapo cars that would be a high cost. Coupled with the inconveinience...

Just to perhaps correct something as I see it. If a person is stopped for no insurance, they can be offered the chance to arrange insurance there and then. Mind you, that was when the Police Inteceptors pulled up behind someone just as they arrived home... But it was just a television program!

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By *ensual temptressWoman
over a year ago

Southampton

thats the way i understood it aswell .

to make myself clear its not police that arrange the insurence .they can use their decretion and allow the OFFENDER to arrange the insurence there and then . saves them wasting time getting car towed .if thats not done then car is taken straight away .

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By (user no longer on site)
over a year ago

"when uninsured unlicensed driver get nicked and then given a £100 fine. It's hardly going to make them go and get some as the fine is cheaper.

Rant over and really should stop Road interceptors

Yep.

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By *ustyAngelWoman
over a year ago

gloucester

without the privilage i would be on Job seekers for life!

instead of in my job

there are minimal local jobs & a minimul of 1/3rd of my wages go into petrol. Living in a town woud kill me before moving gets suggested

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By *1dKingColeMan
over a year ago

east london

I can see why it happens though.

I'm a later 40's driver, clean license, full no claims and driving a diesel Ford.

East London insurance = £1000, now how the hell is a young driver going to afford a premium in this area on a standard wage? I've heard many times of the insurance being £4000+

Really it means that for some, the only way they can afford to drive is illegally.

Bloody stupid as that is, many have just been priced out of car ownership by premiums (supposedly) going up to cover those that don't insure, and the so pushes more out again, and so the cycle continues!

And yes, it does piss me off as well!

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By (user no longer on site)
over a year ago

insurance is the biggest robbery going at the minute, i paid £1300 for my first year fully comp on my car when i was 20, down to just under £300 now, but my old company tried to double my premium this year, despite no convictions or claims, robbing bastards

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By *ornyHorwichCpl aka HHC OP Couple
over a year ago

horwich

Whilst we don't drive and there are times when a car would be useful, I am so used to public transport that it doesn't bother me. I would rather get a train to London in 2.15hrs than drive for 4. I do feel for those that have to pay inflated premiums

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By (user no longer on site)
over a year ago

Wasn't there something in the news about police cctv cameras being programmed to spot uninsured vehicles on the roads and being pulled, in the very near future before any accidents etc occur?

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By *ornyHorwichCpl aka HHC OP Couple
over a year ago

horwich

"Wasn't there something in the news about police cctv cameras being programmed to spot uninsured vehicles on the roads and being pulled, in the very near future before any accidents etc occur?"

yep similar to what I said earlier about the boundary around London. Not sure it is used everywhere but big brother has its uses sometimes

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By *umourCouple
over a year ago

Rushden

"insurance is the biggest robbery going at the minute, i paid £1300 for my first year fully comp on my car when i was 20, down to just under £300 now, but my old company tried to double my premium this year, despite no convictions or claims, robbing bastards"

Not 1st Central by any chance. I was insured with them for business and pleasure use at a premium of £450 last year. Got the renewal through and had to phone in case there was a mistake! £1097!

They told me that insurance costs have gone up and asked if I could give them my credit card nimber.. The second word was "Off"! lol

Finally got insurance through M&S (LV) for £600, but that includes full European cover and full European breakdown cover too.

As an aside to all this, if you insure with Churchill and drive in Europe... Two years ago they changed their policies so that Eurpope is no longer covered unless you specifically ask for it! Nearly missed it as I never usually read the amendments!! A mate was caught out when stopped by the German police in a routine stop of holiday makers!

Driving is NOT a right! It is as someone else said, a privilage. If you are in a group that causes or are involved in more accidents, you have to accept that you will be charged more! Once you have proved that you are a careful driver though, they should give large discounts!

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By *ushroom7Man
over a year ago

Bradford

And to ram home the message too, when they do the same offence repeatedly, say, 3 times, ban them for life!

If they then do so again, lock 'em up for minimum 10 yrs!"

That is so, so unfair.

Twas only the other day anyone parking in a disabled bay got a bullet between the eyes.

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By *atisfy janeWoman
over a year ago

Torquay

Apparantly we are very close in England and Wales to opting for the displaying of Insurance discs on car windscreens, as they do in some parts of the EU.

The disc would be like the current Tax Disc and would sit alongside it.

Interesting.....

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By (user no longer on site)
over a year ago

[Removed by poster at 26/07/11 21:30:19]

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By (user no longer on site)
over a year ago

It isn't just the cost of insurance though,our car tax is due at the end of the month and I've noticed it's gone up to almost the same price as my fully comp insurance.

Car tax seems to go up these days without notification,much like the TV licence,whereas once a rise in the cost of either would have made headlines.

Fair enough if we had the best roads in the world but non of the revenue gets spent on them.

Its time the British motorist stood up as one and fought against these rises.

XXXX

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By *atisfy janeWoman
over a year ago

Torquay

But to be fair....the revenue from Tax discs wouldn't be enough to pay for all UK road improvements anyway would it?

That's probably why it's not ring fenced and instead goes into general taxation receipts?

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By (user no longer on site)
over a year ago

"But to be fair....the revenue from Tax discs wouldn't be enough to pay for all UK road improvements anyway would it?

That's probably why it's not ring fenced and instead goes into general taxation receipts?"

So rather than use road tax to make some improvements to our roads, which was the initial concept of that revenue, use it for anything but and leave local authorities, who already have had their budgets cut, to do virtually no improvements at all?

Sorry but can't see the wisdom in that!

XXXX

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By *atisfy janeWoman
over a year ago

Torquay

I think it probably started off as revenue used for road repairs and improvements (new roads), but over the years the receipts probably never went anywhere near the monies needed as the traffic numbers increased so much.

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By (user no longer on site)
over a year ago

from what we know _enguy is right in what he says and we also know its a fine between £550 to £1000 fine they get and also minimum of three penalty points as well on the license,realy not worth driving without insurance would rather get the bus

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By (user no longer on site)
over a year ago

£60 fines for speeding, where does that money go?

They say its preventing accidents, those accidents that effect insurance costs?

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By *atisfy janeWoman
over a year ago

Torquay

"£60 fines for speeding, where does that money go?

They say its preventing accidents, those accidents that effect insurance costs?"

But you need some form of penalty for breaking the laws of the road....don't you?

Go to some countries where there is little law enforcement on the roads and see how horrendous their vehicle related death rates are.

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By (user no longer on site)
over a year ago

"£60 fines for speeding, where does that money go?

They say its preventing accidents, those accidents that effect insurance costs?

But you need some form of penalty for breaking the laws of the road....don't you?

Go to some countries where there is little law enforcement on the roads and see how horrendous their vehicle related death rates are."
Yes, but where does that money go?

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By *atisfy janeWoman
over a year ago

Torquay

Speeding Fine revenues go initially to central government and are then redistributed throughout the country for various road safety and road improvement initiatives.

That was under the previous government anyway, can't speak for this lot as I don't know.

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By *ornyHorwichCpl aka HHC OP Couple
over a year ago

horwich

You drive through Europe and see all these European funded new roads which are mint to drive on, smooth as a babies bum if you wish.

Why don't we get some of that benefit because we must pay just a little bit into that money pot

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By (user no longer on site)
over a year ago

"I think it probably started off as revenue used for road repairs and improvements (new roads), but over the years the receipts probably never went anywhere near the monies needed as the traffic numbers increased so much."

Just checked it out, apparently the road tax will raise £6 billion or so this year.

We reckon that sort of money would go a long way to repairing all these pot- holes, if it was used for the purpose it was intended for don't you?

Also regarding speeding fines etc, as mentioned in another post, yes we too think the money raised by these means should be accounted for.

Too much money gets taken from the motorists of GB that just disappears without explanation, it's time those raking it in were bought to account.

XXXX

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By (user no longer on site)
over a year ago

The comments about cost are scary reading. I've driven for 12 years, not owned a car for the last few and have relied on using street car (pay by the hour rental) in London. About to move to Herts and will need a car due to work, and I'll have lost all my no claims. Joy.

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By (user no longer on site)
over a year ago

"Wasn't there something in the news about police cctv cameras being programmed to spot uninsured vehicles on the roads and being pulled, in the very near future before any accidents etc occur?

yep similar to what I said earlier about the boundary around London. Not sure it is used everywhere but big brother has its uses sometimes"

The system is in place, I was stopped earlier this year because the hire car I was driving was on the police computer as stolen. I thought it was a speedcheck but 100 metres up the road I was stopped because the automatic recognition software flagged it immediately.

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