Hi,
A friend of mine lived for a while in South Africa. There and then, no motorist paid an insurance company directly. They just nominated a company they wanted to represent them and the Government paid that firm, apparently an annual retainer and whatever extra insurance costs the motorists incurred.
The Government put a levy for this on the price of fuel. It meant that no motorist was uninsured as they were going to have to pay for the insurance anyway. This strikes me as a very good idea and I'd like to hear comments on this from the forum, please.
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It would mean Pug would be paying for my appalling crash record, which I don't think is fair on a pensioner.
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No thanks! I am quite happy paying £165 a year for full comp on my 307. If the Saxo chav 6 doors up has to pay £1000 for TPFT that is his problem, I'm already paying for what passes for his education and for his jobseekers allowance. I'm not going to sub his insurance as well!
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so whilst im pootling along in my battered old fiesta the guy flying past me in his flash ferrari gets it replaced if its nicked and i get a new battered fiesta but im expected to pay the same at the pumps ...dont think so
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Likewise. £170 fully comp (with business use) Renault diesel is quite enough thank you.
If people wish to drive a highly grouped car and/or have accidents - that's their problem.
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IIRC New Zealand has a similar scheme, but the fuel levy insurance is effectively 3rd party only. To get full comp you can opt in to top up schemes.
Whilst I would probably loose out financially under the scheme I believe it is the only solution to uninsured driving and would support its introduction. With 4 cars all fully comp, (1 classic, + 3 x with full NCD) I would probably cease to top up the older vehicles and possibly increase the family fleet.
The law of unintended consequences would probably come into play, and we would see major increases in fuel theft and and a big shift to home brewed diesel. Probably with people importing fuel from abroad in large quantities and storing at home.
However it is unlikely to happen quickly as it would need European wide adoption and we all know what that means in practical terms.
--
pmh (was peter)
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i am riting from nigeria we have good scheme here too, you pay we take
can i have credit card number
and
sort code
pleese
we will send reeseet
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That would mean I could drive around in a BMW M5 at no additional insurance cost. Whilst this would be awesome, I dont think it should be that easy to drive very very fast cars.
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That would mean I could drive around in a BMW M5 at no additional insurance cost.
That has to be the huge flaw in such a scheme - let's face, without legislation limiting engine size according to age (which the footballers wouldn't be very happy about) practically every 17yr old lad would buy the biggest engined vehicle he could get his hands on.
I fear there would be absolute carnage.
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I reckon the government gets quite enough of our fuel costs already thanks. My current premium won't buy three tanks worth.
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I think there's a case for putting basic, no frills, third party car insurance on fuel costs.
If anyone wanted proper fully comp, or fire and theft cover, then they'd have to buy separate insurance, as they currently do.
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For youngsters even TPFT can cost close to £2k or more. So no this idea will not work even for Third Party.
Insurance takes into account the risks which putting a "tax" on petrol will not. I think we leave it as it is.
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For youngsters even TPFT can cost close to £2k or more.
All the more reason to find a way forward - we surely can't continue with the high number of uninsured drivers on the road?
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It could never be a level playing field! My TP insurance at age 6? on an old Ford Escort would be about 1/10th of the premium due for an 18 year old in the same car. How would that get sorted out, fairly? A flat extra tax on fuel wouldn't do it
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I'm all in favour, probably to a third party level.
Don't forget that we're all paying a levy via our insurance to the MIB at the moment, to cover people who injure others but are not insured. At least if it was on fuel they'd pay too!
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let's face without legislation limiting engine size according to age
Like that which already exists for motorcyclists,along with a tougher test for the bigger bike
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I was surprised to read that South Africa uses fuel tax to offer global motoring insurance.
However, here's a quote from Wikipedia which supports OP's contention:
"...South Africa allocates a percentage of the money from petrol into the Road Accidents Fund, which goes towards compensating third parties in accidents..."
Here's a link to the full article, which I found a bit dull, but for the 'enthusiasts':
en.wikipedia.org/wiki/Car_insurance
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I'm all in favour for third party only, but don't trust the government not to rip us off big time.
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Or to keep our details safe! HoHoHo!
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Here's another daft idea:
Insurance certificates have to be issued in the form of a chipped card. They are issued free, apart from a registration cost. You can only buy fuel using the card, which has to match the registration number of the car actually presenting at the pump.
The price you pay then depends on your insurance rating, and is automatically calculated at the pay desk.
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This would vastly increase fuel cost and increase the number of people who run old diesels on veg oil. Presumably those veg oil drivers would be uninsured.
Mad idea.
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It would only increase fuel costs to bad risk drivers. Drivers with full NCD would have lower fuel costs.
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It feels as if they have done it already with the cost of fuel.
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It would only increase fuel costs to bad risk drivers.
Fuel theft (from parked vehicles) would reach epidemic proportions.
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Good point.
I suppose they would then have to make fuel fillers more secure.
May be it all just comes down to proper enforcement of the present system.
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I suppose they would then have to make fuel fillers more secure.
Common way now is to make a hole in the plastic fuel tank. Fairly expensive job to have it replaced.
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I've had a really good idea. Why not introduce traffic cops to the roads? This way the existing laws could be enforced. Speed cameras don't do this as has been discussed numerous times here.
Just bring back traffic patrols. It's not rocket science.
--
\"Nothing less than 8 cylinders will do\"
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