Pashley26 Posted January 10, 2008 Report Share Posted January 10, 2008 (edited) Insurance is Legal for one reason and one reason only, to protect road users. If you get hit by an uninsured driver and your leg is snapped off, will you be happy with not getting anything in compensation. Or do you have 5 to 8 thousand pounds to take them to court ?It's called Insurance for a reason...Jarrod Edited January 10, 2008 by Pashley26 Quote Link to comment Share on other sites More sharing options...
F-Stop Junkie Posted January 10, 2008 Report Share Posted January 10, 2008 Hehe, Chris you are officially an old giffer.However, I like the idea of a good stereo in a car. It's the one place where you're often alone with time to kill and nothing else to do. So listening to some music makes sense. However, as far as I can tell, most people just want to play shite really loudly, rather than actually have a decent-sounding setup so my argument is a bit irrelevant.Hallejuah brother! I'm all for a _good_ stereo as I agree it's a good way of passing time. My Alpine head unit is great as it sounds good and integrates well with my iPod. It's no louder than the Ford stereo, and at motorway speeds it sounds exactly the same. I don't get though why a car stereo needs several external amps, a sub box to clog up your boot, etc...Was a bit of a rant, but my hatred of those who don't see the point of car insurance has overtaken my mild annoyance at tosspots in Saxos who turn up an underpowered stereo to the max so that everyone can hear 140bpm techno being distorted very badly. Quote Link to comment Share on other sites More sharing options...
Joe Sheehan! Posted January 10, 2008 Report Share Posted January 10, 2008 (edited) What a selfish view. You know why insurance is so expensive? It's not the value of the car, it's the queue of people you could run over. It's the person who can't work for a year because you were trying to find a map in the glovebox. Could you afford to cover the loss of earnings someone is facing for the rest of their life?I used to work for someone who was once Britain's best hope for a pro road racer. He got hit by a car, and had to give up an International pro riding career. He got a pay out to cover what he could have earnt as a pro, but he'll never get to ride the Tour de France or a classic road race.It's not £10,000 wasted over ten years, it's insurance against something bad happening as you own a vehicle that can injur and kill people.What if you hit a £100,000 car, and a dealer asks you for £50,000 to make it road worthy again? How are you going to pay?There's a reason why third party cover is a legal minimum. If you're worried about pissing money away, why pay for theft and fire cover? Isn't it cheaper just to park it somewhere safe?True. Not being funny though, if your the person that wont pull over because you're looking for a map and you hit someone, you shouldnt be on the road. Isnt that what would be covered by life insurance though, if an uninsured driver hit you (not in my little non-insurance world, but todays world?) But yeah not even insurance can cover not using your legs again...Surely you can see that the insurance companies are there as a backup for when things go spectacularly wrong? Like when you run into the back of someone, writing off their (£20k) car and giving them whiplash (another £30k). It's not 'wasted' money, that's a really stupid way of thinking of it If the cost of insurance is too much for you, then don't drive. Simple as that.Yeah dont get me wrong, I pay £342 a year on my bike thats worth £750 because of the reasons above, im not saying no insurance is a good idea, im just saying could it work? Edited January 10, 2008 by Joe Sheehan! Quote Link to comment Share on other sites More sharing options...
Pashley26 Posted January 10, 2008 Report Share Posted January 10, 2008 im not saying no insurance is a good idea, im just saying could it work?No. While there is motorised transport someone will ALWAYS get hurt, and we will ALWAYS have accidents. Jarrod Quote Link to comment Share on other sites More sharing options...
F-Stop Junkie Posted January 10, 2008 Report Share Posted January 10, 2008 True. Not being funny though, if your the person that wont pull over because you're looking for a map and you hit someone, you shouldnt be on the road. Isnt that what would be covered by life insurance though, if an uninsured driver hit you (not in my little non-insurance world, but todays world?) But yeah not even insurance can cover not using your legs again...Ok, have you ever looked at the radio while driving? Looked at a shop window? A girl on the pavement? Stared at your speedo as you approach a speed camera? At 30mph you cover about 13 metres every second. That is at a speed you can legally do in many built up areas with people around, and if someone happens 30 metres away while you're thinking about something else, then you'll barely have time to react, let alone stop.If you have an accident with other people involved, the cost of your car in the bigger picture is next to nothing. Quote Link to comment Share on other sites More sharing options...
Joe Sheehan! Posted January 10, 2008 Report Share Posted January 10, 2008 Ok ok i see your point, all i was saying is would it work - obviously not. Still, is stupidly expensive though Quote Link to comment Share on other sites More sharing options...
F-Stop Junkie Posted January 10, 2008 Report Share Posted January 10, 2008 Insurance is good.And back top the original issue.I can't much help on what you asked, but I am in the same boat here. Just got my first car, first thought was "lets get it modified". Got a few words of adivce of various people after asking around, and i'll tell you what they told me. DO NOT DO IT. Learn to drive, pass your test. Drive for a year, get some no claims built up. Then buy a slightly better car, get another years no claims. So on and so forth.. Then, maybe consider some alloys or something. Takes time.Also, be honest why you're modifying your car. If you want a car that looks like you want it to look, so that other teenagers can drool over while you stand outside Burger King, then go nuts. Alloy wheels for the most part are purely cosmetic. Is it worth shelling out the cash for some detail like that? If it is, then go nuts. On the other hand, if you want bigger wheels for the looks, then you'll have to accept it could make the ride worse, make the handling worse, raise the ride height of the car, and potentially make your car illegal (that is if the rolling circumference of the wheel is sufficiently different to the standard wheel, then your speedo could misread by more than 10%).I checked, and keeping my wheels the same size, but fitting a tyre two profile sizes smaller (from a 60 to a 50) would make under read by 7%...Meh, each to their own. Just don't buy blue LED washer jet covers Quote Link to comment Share on other sites More sharing options...
Egg Fried Rice Posted January 10, 2008 Author Report Share Posted January 10, 2008 Well i have thisAnd i want to use it Insurance and declaring isn't a problem and the car Honda civic 1.4 at this moment in time. Quote Link to comment Share on other sites More sharing options...
F-Stop Junkie Posted January 10, 2008 Report Share Posted January 10, 2008 Ok ok i see your point, all i was saying is would it work - obviously not. Still, is stupidly expensive though Meh, mine's about £350 a year, with one year's no claims... Quote Link to comment Share on other sites More sharing options...
Pashley26 Posted January 10, 2008 Report Share Posted January 10, 2008 (edited) Have you got a quote for your Honda Civic ?I should think it's VERY expensive, but i may be wrong ?JarrodAnd also, Fitting alloy wheels (of the origional fitment size) reduces the Unsprung Mass of a car dramaticly and increases life of Suspension bearings, bushes and helps lower fuel consupmtion... Edited January 10, 2008 by Pashley26 Quote Link to comment Share on other sites More sharing options...
Joe Sheehan! Posted January 10, 2008 Report Share Posted January 10, 2008 Meh, mine's about £350 a year, with one year's no claims...Yours is a car, mines a 50cc motorbike thats restricted to 30. See? Quote Link to comment Share on other sites More sharing options...
F-Stop Junkie Posted January 10, 2008 Report Share Posted January 10, 2008 Yours is a car, mines a 50cc motorbike thats restricted to 30. See?No?Best thign to do when you first start driving, as I have realised, is to wait. Get the driving sorted first before messing around with mods and stuff.Definately. You'll be a better driver, get more out of driving if you enjoy doing so 'enthusiastically' and it's the cheapest option.Yay, for the win, and whatever else young people say these days... Quote Link to comment Share on other sites More sharing options...
TomR Posted January 10, 2008 Report Share Posted January 10, 2008 Average of a grand a year? Thats unlikely to happen unless you get a decent car or have a crap driving record.As for Fire and Theft only and whos at fault pays? What a crock of shit, Would you like somebodys medical bill after hitting them at 60mph? I wouldnt. Quote Link to comment Share on other sites More sharing options...
Tomm Posted January 10, 2008 Report Share Posted January 10, 2008 Ok, have you ever looked at the radio while driving? Looked at a shop window? A girl on the pavement? Stared at your speedo as you approach a speed camera? At 30mph you cover about 13 metres every second. That is at a speed you can legally do in many built up areas with people around, and if someone happens 30 metres away while you're thinking about something else, then you'll barely have time to react, let alone stop.I've got one of those Alpine headunits you were talking about and that's a nightmare for taking your attention away from the road. Searching for an album on the iPod I mean. Quote Link to comment Share on other sites More sharing options...
Egg Fried Rice Posted January 10, 2008 Author Report Share Posted January 10, 2008 Have you got a quote for your Honda Civic ?I should think it's VERY expensive, but i may be wrong ?JarrodAnd also, Fitting alloy wheels (of the origional fitment size) reduces the Unsprung Mass of a car dramaticly and increases life of Suspension bearings, bushes and helps lower fuel consupmtion...1.4 sport = group 4 = £1400 ish fully comp1.6 sport = group 6 = £1600 ish fully compI have got pass plus aswell and ive had a license for about 6 months. Was much more expensive when i first got my license that it is now for some reason.JK Quote Link to comment Share on other sites More sharing options...
F-Stop Junkie Posted January 10, 2008 Report Share Posted January 10, 2008 I've got one of those Alpine headunits you were talking about and that's a nightmare for taking your attention away from the road. Searching for an album on the iPod I mean.Yeah, the user interface is pretty rubbish. First thing I did was learn which button does random, and basically left it at that. Oh, and set up a couple of play lists for variety. Quote Link to comment Share on other sites More sharing options...
Pashley26 Posted January 10, 2008 Report Share Posted January 10, 2008 Ahhh, having the Plus pass means alot. I had to do one to qualify for trade insurnce Joining an owners club will help lower your Insurance too. If you go through the AA and take out there Breakdown cover (£20 i think) they give you a Reduction on there insurance policy, wich equates to about 8%Jarrod Quote Link to comment Share on other sites More sharing options...
Joe Sheehan! Posted January 10, 2008 Report Share Posted January 10, 2008 No?Im saying that as good as insurance is, it is expensive. Almost too expensive.I see insurance companies as greedy, think about how much profit the proper big insurance companies make, take away the expenses of paying for claims and staff etc, thats still LOTS of money all made because people drive well and dont crash. Yeah people need to make a living, yet why be so greedy and charge stupid money for insurance. Quote Link to comment Share on other sites More sharing options...
F-Stop Junkie Posted January 10, 2008 Report Share Posted January 10, 2008 Fitting alloy wheels (of the origional fitment size) reduces the Unsprung Mass of a car dramaticly and increases life of Suspension bearings, bushes and helps lower fuel consupmtion...If you're replacing steel wheels, then yes. If you're replacing existing alloy wheels, then maybe. If you go for a lightweight wheel, then yes - although the longevity of the wheel could be compromised - but if you go for a cheaper aftermarket wheel then they may actually be heavier than the OE items and reduce all the good stuff you mentioned. Quote Link to comment Share on other sites More sharing options...
Pashley26 Posted January 10, 2008 Report Share Posted January 10, 2008 Im saying that as good as insurance is, it is expensive. Almost too expensive.I see insurance companies as greedy, think about how much profit the proper big insurance companies make, take away the expenses of paying for claims and staff etc, thats still LOTS of money all made because people drive well and dont crash. Yeah people need to make a living, yet why be so greedy and charge stupid money for insurance.You won't say that there being greedy if they pay out £50,000 if you kill someone... Quote Link to comment Share on other sites More sharing options...
Reece B Posted January 10, 2008 Report Share Posted January 10, 2008 which they wouldnt....you would be straight off to jail. Quote Link to comment Share on other sites More sharing options...
yoyoyo Posted January 10, 2008 Report Share Posted January 10, 2008 I see insurance companies as greedy, think about how much profit the proper big insurance companies make, take away the expenses of paying for claims and staff etc, thats still LOTS of money all made because people drive well and dont crash. Yeah people need to make a living, yet why be so greedy and charge stupid money for insurance.But what if say 50% of drivers crash in one day, not going to happen i know but they need to cover themselves. Although i know what you mean, pretty sure the main bosses take home way too much for what they do. Quote Link to comment Share on other sites More sharing options...
TomR Posted January 10, 2008 Report Share Posted January 10, 2008 Ive got an Alpine iPod HU (the original one) and i still don't know how to work it, but i just set up and use my playlists anyway so all i do is skip to another track. I left my HU fascia at work the other day and the drive home was incredibly boring, i couldnt be without music, although if im on a more spirited drive ill turn it down to listen to whats going on. Not too fussed about the boot lid rattling, ear drum shattering installs though, they seem a bit pointless in most people cases. Anyway, back on topic. Keep it simple i'd say, dont waste time with loads of crap from halfords, its tempting at first as the more small things you buy the more progress it feels like youre making with your car, soon gets boring though, my advice would be to stick to the simple but effective things and do it properly, it will make a lot of difference. Bear in mind you drive your car on the inside, smarten the interior up a bit, maybe with some bits off other higher specced models etc (owners club forumms are great for things like this, unlike local cruise sites which have shedloads of chavs selling lexus lights and neons, which arent alot of use to 99% of people) Quote Link to comment Share on other sites More sharing options...
Pashley26 Posted January 10, 2008 Report Share Posted January 10, 2008 Haha, good point ! I'm going to stop spamming now ! Night !(as you can tell i really missed Tf in the last 24 hours...Lesson learnt...)Jarrod Quote Link to comment Share on other sites More sharing options...
F-Stop Junkie Posted January 10, 2008 Report Share Posted January 10, 2008 Im saying that as good as insurance is, it is expensive. Almost too expensive.Well now petrol has gone past a litre, is that too expensive? Gonna not bother with that too, or start stealing it?Business makes money shocker. Of course the big insurance companies make money, but that's the bet. Ever seen a poor casino owner? Insurance companies insure a whole lot of stuff, for a whole lot of people, take a hit when a lot of people claim, and do well when they don't.Are you suggesting a co-op approach to insurance? A non-profit making scheme that has big enough reserves to cover potential payouts? Fair Trade insurance? Maybe not the last one, we know the insurance companies are getting well paid for their cover...The bottom line is that motor vehicles are a good way of doing a lot of damage to people and property. Young, inexperienced people - or those with a history of bad driving through claims or prosecutions - are a greater risk because they are far more likely to claim. That's life.I'm still lost as to where your moped comes into this? Paying a lot for insurance? Quote Link to comment Share on other sites More sharing options...
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