Insurance Renewal

[Malc1]

1 minute ago, Boomer54 said:

(EV and self drive)

just reading today some fresh finance news  ........ Elon Musk saying new generation Tesla to be/being built in Germany with price starting at just US$ ? 25,000

AND dear old Warren Buffet just turned in a post tax profit of $10,6bn ? on his Berkshire Hathaway cash pile of $157bn ...... and his insurance underwriting businesses too .  the age of wisdom prevails with dear old Warren and Charlie Munger ( who's a few years older ) .......... AND they own a great chunk of China    BYD too of course

Wonder if I'll    " wise-up "    in the next 30 years or so    😂

Malc

 

 

 

 

 

 

 

 

[Boomer54]

Elon Musk is full of 

[GMB]

The moderator might see that you have a picture of **** there.  Oh dammit He'll come for me now. Bugger!!!

I'll probably get banned now Thanks Stephen.

[GMB]

Autocensor doing a good job I see ****. But it missed the last word.😏

[Boomer54]

43 minutes ago, GMB said:

Autocensor doing a good job I see ****. But it missed the last word.😏

This is a pretty good site for not getting too involved in this sort of stuff. In this case it did not have to do anything ,because I just did not bother to write when the picture is better than a thousand words.

On a more serious note I really wish people could get over building other people up to a mythical level. We all go to the same place and do the same stuff when we get there. Hard to imagine that the process between our ears is radically different.

[GMB]

1 hour ago, Boomer54 said:

We all go to the same place and do the same stuff when we get there.

Where would that be?😇

[Bluemarlin]

18 hours ago, Boomer54 said:

On a more serious note I really wish people could get over building other people up to a mythical level. We all go to the same place and do the same stuff when we get there. Hard to imagine that the process between our ears is radically different.

Oh I don't know. I think if you look hard enough it's possible that you might spot some subtle differences in the processes between the ears of the likes of say Jeffery Dahmer and Ghandi 🙂

[Boomer54]

28 minutes ago, Bluemarlin said:

Oh I don't know. I think if you look hard enough it's possible that you might spot some subtle differences in the processes between the ears of the likes of say Jeffery Dahmer and Ghandi 🙂

You mean Ghandi was a Vegan?

[Greisingel]

21 hours ago, Boomer54 said:

Elon Musk is full of 

Now that's no way to talk of the man who "knows more about manufacturing than anyone on the planet".
Memorable moments: throwing rocks at the windows of that cheese slice joke truck of his.

[Bluemarlin]

3 hours ago, Boomer54 said:

You mean Ghandi was a Vegan?

If I recall that was the key difference between him and Dahmer 🙂

[Harrier Man]

On 11/6/2023 at 3:15 PM, Boomer54 said:

Right ,here is a question. The Law is;

Road Traffic Act of 1930. This act mandates that all drivers must have motor insurance in force to cover their liability 

If, or when we have self drive cars, would a very strict interpretation mean we no longer require Car Insurance?

Afterall we are no longer drivers are we?

Indeed, assume for a moment you are in an incident of some kind when the car is in self drive mode, where lies the liability remembering you were not actually driving?

Interesting question Stephen, and i agree with you. I can imagine though that the powers that be would find some wrinkle around it. I'm sure I've read of cases of people over the limit being arrested when walking to their cars with keys in hand, or getting into the passenger side of the car, being arrested and convicted under the drink driving laws even though they weren't actually driving.

I don't think it will come to that though because we won't actually be able to buy ourselves a self-drive car, they will only be available from a pool. We will have to buy a monthly subscription to use them. There are already car clubs operating this model (with cars that you need to drive). My local one has 3 pricing options to choose from, depending on what access you want. They buy, service and insure the car. The club member only has to put in fuel and agree to return the car by the agreed time.

[Boomer54]

14 minutes ago, Harrier Man said:

Interesting question Stephen, and i agree with you. I can imagine though that the powers that be would find some wrinkle around it. I'm sure I've read of cases of people over the limit being arrested when walking to their cars with keys in hand, or getting into the passenger side of the car, being arrested and convicted under the drink driving laws even though they weren't actually driving.

I don't think it will come to that though because we won't actually be able to buy ourselves a self-drive car, they will only be available from a pool. We will have to buy a monthly subscription to use them. There are already car clubs operating this model (with cars that you need to drive). My local one has 3 pricing options to choose from, depending on what access you want. They buy, service and insure the car. The club member only has to put in fuel and agree to return the car by the agreed time.

That's really interesting. Adaption to change in action. 

[Agooner]

Got my renewal over the weekend. NX300 F Sport up from £787 to £1738, and I live in W. Yorks. I'm with Swinton.

[Greisingel]

3 hours ago, Bluemarlin said:

If I recall that was the key difference between him and Dahmer 🙂

He still liked his vegetables murdered

[Malc1]

14 hours ago, Agooner said:

I'm with Swinton.

at each renewal .  with other insurers i might add .  Swinton still have it in their diary to contact me for a quote ........  I've given up with them as on each occasion they have been way way too expensive

Malc

[Sundance]

Worth a visit ...

https://www.moneysavingexpert.com/insurance/car-insurance/

[GMB]

The modern route to cheap motoring under a conservative government:

Stolen car

Cloned numberplates

No Insurance

No tax

No MOT

No servicing ( just go steal another ).

No fines

No petrol bills ( see cloned plate ) Just drive away.

It seems the government and these rip off insurance companies may well be forcing more people down that dangerous route.

Most of us honest mugs just pay up and whinge about it.

[freeto]

Chiming in here from a 'former' Lexus NX300 owner. We bought an ES in April of 2023- the insurance was around 600. It got nicked within a month of being parked on our street in West London. Insurers- LVE- paid out the entire cost of the car, whew! We then decided, after about 6 months of debate, to reinvest in a Lexus NX, this time with a steering wheel lock. Insurers quoted us £3.5k- presumably to try and recoup their losses! 

For us, the real issue is with Lexus. They know there is a manufacturing fault- there is a way to ghost unlock the cars in the front quarter panel- and yet they do nothing. Insurers are complicit, as they know there is an issue but don't let anyone know until AFTER the car is purchased and insurance issues- if then at all!

Good luck all!

[RobinGBrown]

On 11/6/2023 at 3:56 PM, Boomer54 said:

Oh I think we have a lot of room for discussing exactly what is the definition of the words 'in charge'. Surely if something is self driving then by implication surely it is in charge until it is not.

You'd like to think so but the police and courts have very different ideas as any number of drunks sleeping it off in their cars have found out to their detriment. 'In charge' is legally a very broad definition.

[06_400_h_se]

23 hours ago, RobinGBrown said:

You'd like to think so but the police and courts have very different ideas as any number of drunks sleeping it off in their cars have found out to their detriment. 'In charge' is legally a very broad definition.

I just learnt something new, I didn't know this. Apparently sleeping it off in your car whilst drunk is the same as drink-driving, even if the keys are not in the ignition and you are sleeping in the back and you are on your own driveway.

[RobinGBrown]

9 hours ago, 06_400_h_se said:

I just learnt something new, I didn't know this. Apparently sleeping it off in your car whilst drunk is the same as drink-driving, even if the keys are not in the ignition and you are sleeping in the back and you are on your own driveway.

Yeah it's a nasty little loophole the police and courts have got going there - intent be damned

[msdsx]

10 hours ago, 06_400_h_se said:

I just learnt something new, I didn't know this. Apparently sleeping it off in your car whilst drunk is the same as drink-driving, even if the keys are not in the ignition and you are sleeping in the back and you are on your own driveway.

I don't think that is all correct or clear cut. Section 5, Road Traffic Act 1988 requires the offence to be on a road or other public place. I doubt a private driveway classes as a public place.

In addition, Section 5a (2) provides the following statutory defence:

"In relation to being in charge of a motor vehicle, a person is not guilty if they prove that the circumstances were such that there was no likelihood of them driving the vehicle whilst the proportion of alcohol in their breath, blood or urine exceeded the prescribed limit."

Not my area of law but keys not in the car I reckon is pretty safe. Keys in the car but not in the ignition? Debatable. Sleeping in the back? Not clear cut but certainly arguable. What's not debatable or arguable is getting a good lawyer with the relevant experience should you need it!

[NemesisUK]

1 minute ago, msdsx said:

I doubt a private driveway classes as a public place.

If it is accessible to the public, i.e. no locked gates etc.. then that's debatable  

[msdsx]

Interesting. But accessibility doesn't define a public place, plenty of case law on that. For example, company car parks intended for use only by staff and customers is not a public place. Or a community centre car park, or an internal roadway on a university campus. The purpose of access is key. If access is intended for private purposes only then it's not a public place. If use of the land is intended to be used by the public, or its use by the public is tolerated then it's public land. That's the principle, each case will turn on the facts. I'm confident my driveway is not public land!

[Russell Wheeler]

11 hours ago, RobinGBrown said:

Yeah it's a nasty little loophole the police and courts have got going there - intent be damned

Technically you could be done sleeping in your camper van under this law. However if the keys were not in the ignition, the curtains closed, and you were in the sleeping area, it's clear there is no intent to drive.