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Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Could you just spare a minute...

...to sign this petition?

Honest John in The Telegraph is imploring us to sign one.  This is one of many on the Government's e-petition site, http://epetitions.direct.gov.uk/.

This particular one asks the question, "Are some car insurers killing off Speed Awareness Courses?" and claims that, "Some car insurers are now increasing premiums for drivers who complete Speed Awareness Courses, despite them not being convicted of any offence. Perversely they are penalising drivers for choosing an option that is proven to improve driving standards. This is illogical and unfair, it deters others from taking the course and could affect its future availability. Insurers should promote Speed Awareness Courses, instead some penalise drivers who complete them."

I have signed it.

And so has my wife.

Basically, I think these courses are a very good idea and am annoyed at the motor insurance industry picking on them as an excuse to up premiums.

I am no stranger to the e-petition site and was one of 43057 signatories on the sadly unsuccessful petition to keep Formula 1 Free to Air in the UK.

After signing the Speed Awareness petition, I decided to see what other car-related petitions were on the Government site.

One of the first to catch my eye was another irritating insurance industry one: "Non-fault accident impact on Car Insurance"

This one reads,
"Please consider following changes for car insurance:

1. You need to declare last 3 years fault/non-fault accident claims while buying car insurance. Insurance companies say that as per some stats, a person is more likely to be involved in an accident if they have had any accidents in the past and in many accidents, there is a fault ratio involved.

We believe that such stats cannot be applied to every accident. Ex: If someone has been hit on the back of their car while they were stationary/moving in traffic or parked in parking bay, how they could become more prone to accidents in future?

Currently, they are still penalized by increased premium for next 3 years due to non-fault accident claim.

To avoid such situations, either non-fault claim declaration should not be mandatory while buying car insurance or a process should be defined to calculate fault ratio.

2. Insurance companies should be required to provide a breakdown of premium calculation in insurance quote."

Last year I was hit on the back of my car while I was stationary.  Now, how could I become more prone to accidents in future?  I didn't even make a claim - it was all done through the other person's insurance but I still have to declare it.


Next, I found "Car Lamps should be easy to replace" which tells us,

"All too frequently cars are seen with lights that are not working. Whilst some people will habitually ignore a defective lamp, the increasing tendency for manufacturers to make lamp replacement impossible for the average motorist to undertake, means that a garage appointment is required to fix the lamp.

The Government should therefore legislate to force manufacturers to make bulb replacement easy and well within the capabilities of most motorists without having either to damage your hands or remove large parts of the car to access the lamps.

This would increase road safety and therefore make driving safer!"

Even with my small, girly hands I struggle to change modern car bulbs - they tend to be positioned with the battery or fusebox or some pipework making them virtually impossible to get at.  So, yet another petition I agree with.  I think it's a bit fanciful though, to assume that the Government would legislate on it.

And, while we're on the subject, will Halfords please stop advertising the service of bulb-replacement when you purchase a bulb off them - if you actually look into it, they'll only do it if it is easy to fit anyway.


So, how about "Cars to give cyclists space"?

Apparently, "Cycling is the transport of the future being healthy, cheap and non polluting however many would be cyclists are deterred from taking up cycling on British roads due to the dangerous disregard by some motorists for cyclists.

Cyclists need a cars width between them and overtaking motorists to feel and be safe on the roads. Motorists passing cyclists with just inches to spare between them and the cyclist are putting cyclists at risk and causing distress and fear of harm which is a crime in itself. Cyclists have every right to use the public roads and should not feel threatened in doing so.
We are calling for the Government to make Police take much more robust action on motorists putting cyclists at risk prosecuting dangerous motorists in the same way as those threatening physical violence."

As a cyclist and a car-driver I appreciate the argument from both sides although haven't particularly noticed it as a problem when on two-wheels.  Any police officer witnessing a driver intimidating a cyclist would, I am sure, take some action, especially if a perceived danger was involved.

So how about a petition to make the Police take more robust action against cyclists contravening the road laws - like riding two-abreast on a main road when there is a perfectly good cycle-lane marked out on the adjacent pavement - OK, so it's not illegal, but it is bloody annoying - and a safety issue.


Now for one getting into the realms of fantasy - or is it?

How to stop car chases involving police.

"To stop car chases involving police all new cars should have wireless networking built into engine management systems. Each car could have a code stored in DVLA that the police could use to disable that engine.

If a car fails to stop, all the police need to do is send the code to the engine. That will effectively stop the car. This would save many lives and could be used against stolen vehicles.

Encryption would be used to stop any random signal affecting any engines.

The govenment need to make this law for all new cars/bikes."

Maybe it is possible nowadays.  It would put Tracker out of business but in any case, would be a manufacturer added option if anything.


However, the petition that most amused me - and mostly entered the realms of fantasy was the one entitled "water powered hybrid cars"

This one, funnily enough, only has one signatory - presumably the person who created it.  It informs us thusly,

"The government are wasting away our life's and others by causing us to waste away our money,lives and our future generations causing our own deaths when we can do something about it

all the government is doing is stopping us from buying water powered cars so they can take more money off us.

we can save money and save the planet in 100 years our human race could end up dead or back up in the dark ages so please sign and save us all and our future generations "

When I'd stopped laughing, I did a Google Images search for water-powered cars and found this:
It's a G-Wiz!  Now the G-Wiz is famously electric and I thought electricity and water were supposed to be a bad mix.

And is that Hannibal Lecter sitting in it? 


I wondered if any other countries allow the general populace to come up with sensible and daft petition subjects like this.

Canada, Australia, South Africa and Russia all seem like a big no.

But in America, they have - https://petitions.whitehouse.gov/

Unfortunately, the only car-related petition in there was the extremely boring "overturn franchise laws that limit auto manufacturers from selling their vehicles directly to consumers."

Then I remembered that Americans like to call cars "automobiles" so I did a search on that but there was nothing there.




OK, I think that's enough petitioning for one post - I'll sign off now.

It's a Steal!

What would you rather steal, a Prius or a Land-Rover?

Would you?

I wouldn't steal either - I'm not a car-thief!

According to The Mirror this week, the Land-Rover Defender is the most-stolen car (in Britain at least) in terms of numbers stolen per number on the road.
They quote a survey by Swiftcover Insurance which shows Land Rovers, Audis and BMWs are more likely to be targeted by thieves than ordinary family saloons, despite having state-of-the-art security. The Swiftcover bloke says, "Given that luxury vehicles are usually alarmed, well protected and parked in affluent neighbourhoods, it’s surprising that they’re still so likely to be targeted."

No it isn't.

Just about all cars produced this Millennium have alarms and immobilisers so if you're going to go to the trouble of nicking a car you'd best go for one you can sell for big money or razz around in at high speed trying to escape the cops. Which brings us, quite neatly, to the subject of the least-stolen cars. Swiftcover don't tell us what they are...

...but Fox do.

They have this story this week quoting The National Insurance Crime Bureau or NICB for short. The NICB throw the following dodgy numbers at us: Of the 1.2 million Prius cars (that's a very big number) sold since the Year 2000 (in America at least), only 2439 have been reported stolen. They say this is one in 608 vehicles (I calculate it as 1 in 492)
They go on to say, "Even more incredible, 96.7 of the stolen cars were recovered, leaving only about 80 unsolved cases over the past 12 years." - that is incredible - especially the .7 - it would actually mean that 2342.3 of the cars were not recovered. I think a per-cent sign is missing from their story.

The NICB spokesman agrees with the Swiftcover person - "the above average income level of Prius owners could play a role, as the cars are often kept in safer neighborhoods and under better security" - they don't agree on the spelling of "Neighbourhoods" though.

I'd have thought that it was more to do with the fact the Prius is only really going to appeal to the environmentally friendly joy-rider.

A Family Affair

Caught this rather nice article in the online Telegraph this week. It came with this very cheesy photo:
It's about BTCC driver (and reigning champion) Matt Neal teaching his twin sons, Will & Harry, to drive now that they have turned 17.

William and Harry!!

I hadn't though of him being a Royalist. I also hadn't thought of him as being old enough to have kids old enough to drive. He's only about my age!

His sons will have an excellent teacher and it looks like he is trying to keep their feet on the ground including some professional lessons as well. I'm not as sure of the car choices though, a sporty Corsa and an old Beetle with no seatbelts. The former will cost a fortune to insure and the latter has no seatbelts.

I've not mentioned the BTCC much this year - but I haven't missed a race and they have been just as exciting as every recent season. I've not watched any f1 meanwhile and am not missing it in the slightest.

The BTCC last weekend was at Rockingham and much rain caused much sliding off but there were no major disputes - unlike last year when this excellent picture was taken:
I don't usually credit the pictures I find on the 'Net but this is worth a link and a mention of Life Exposed Photography as this picture perfectly captures Matt in full-on anger mode where no other picture of the incident I've found does.

Here, Matt is launching himself at Jason Plato after a serious shunt in qualifying. Good! - we like some passion in our racing drivers. Jason is wisely keeping his helmet on given that Matt practises martial arts and is considerably bigger than him. Meanwhile, their dads are in the picture trying to make sure it doesn't get any worse.

A very un-cheesy photo - but, then again, racing-driver Matt Neal will be nothing like family-man Matt Neal - I hope! And it looks like it is family-man Matt Neal that Wills & Harry have as their driving instuctor.

This Guy Needs A Bridging Loan

That picture of a collapsed bridge is taken from this MSN story about a Chinese truck driver fined £15.5 million for driving a seriously overloaded truck over a bridge which collapsed under its weight. This could affect his no-claims discount. It doesn't state whether or not there was a sign at the bridge with a max weight limit - something I would put as crucial to his guilt. But, in any case, it is a fine excuse for me to publish these photos I found on Google Images:...and my particular favourite...

Risky Business


This is a tricky one for me.

What Car? are reporting that the EU is to outlaw discrimination against men when it comes to setting motor insurance premiums. I've always felt a bit miffed that women get cheaper insurance than men just because they cost less in claims. I haven't said they crash less because I'm not convinced that they do - they just do less damage because they are travelling much slower when they do it.

This is a point I made last Summer when my good blogging friend North of the Border commented in his Blog about poor driving. To quote me last July, "Surely cheaper insurance for women should fall foul of sex descrimination laws? What would happen (and the data must exist) if they started basing premiums on skin colour?"

I am still uneasy about this though, since if they are not allowed to take into account the risk on sex-grounds, will it go further and they won't be able to discriminate against the higher-risk groups like sportsmen and entertainers? Or people who live in inner-city crime hotspots? Or Mexicans?

The main reason for me to comment though is as an excuse to embed this: