EU Insurance Ruling

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Originally Posted by tfp

Apparently, in australia, car insurance is optional:-) Which is a much better idea IMO, even though I have no idea how it works if you have a crash.

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In NSW 3rd Party Personal Injury Insurance is compulsory (and is otherwise called a green slip). You can't even pay your motor tax until you've first got a green slip and a roadworthy certificate (if applicable).
3rd Party Property Only Insurance is quite common if you happen to own a cruddy car. That would mean that if someone drove their $500 Hyundai Excel into the side of a Rolls-Royce Cornish, then the Rolls-Royce would be covered but the Hyundai car wouldn't.

But that only works for NSW. Every state and territory is like its own little world and the rules are different.

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Originally Posted by tfp

Apparently, in australia, car insurance is optional:-) Which is a much better idea IMO, even though I have no idea how it works if you have a crash.
I just begrudge paying car insurance:-)
This is why my imprezas value is only half that here in britain than what it would be down under. Bah, Humbug, Grumble, mumble

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Not exactly, they have a different system, basically to put it in UK terms, they pay their third party insurance in with their car tax. Then they can buy comprehensive as well.

Personally I think combining insurance and tax is a good idea, I've said for a while that car tax should be scrapped and replaced with a car on car insurance, it would make it all much easier!

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Originally Posted by Rollo

In NSW 3rd Party Personal Injury Insurance is compulsory (and is otherwise called a green slip). You can't even pay your motor tax until you've first got a green slip and a roadworthy certificate (if applicable).
3rd Party Property Only Insurance is quite common if you happen to own a cruddy car. That would mean that if someone drove their $500 Hyundai Excel into the side of a Rolls-Royce Cornish, then the Rolls-Royce would be covered but the Hyundai car wouldn't.

But that only works for NSW. Every state and territory is like its own little world and the rules are different.

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Aah I've got ya. My mate in Brisbane said something about you dont have to insure your car, only yourself. Thats cleared it up now:-) A much better idea, I reckon!

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Originally Posted by tfp

Aah I've got ya. My mate in Brisbane said something about you dont have to insure your car, only yourself. Thats cleared it up now:-) A much better idea, I reckon!

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I think that you'd be bonkers not to have 3rd Party Property Insurance. If you had an accident as the at-fault driver, you'd then be personally liable for the damage caused. Even a minor thud against something like a Hyundai i20 would still cost several hundreds of dollars; that's a gamble I'm not prepared to take.

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Originally Posted by Rollo

I think that you'd be bonkers not to have 3rd Party Property Insurance. If you had an accident as the at-fault driver, you'd then be personally liable for the damage caused. Even a minor thud against something like a Hyundai i20 would still cost several hundreds of dollars; that's a gamble I'm not prepared to take.

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I get the feeling though, that people running around in Oz without 3rd party insurance is nowhere near as common as in the UK.

If you are hit by an uninsured driver in the UK you will usually still get your car fixed, there is a fund which insurance companies pay into to help with this.

I'm not sure what happens to uninsured drivers and if they are perused for the cost

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Originally Posted by Daniel

Silly. Men should pay more for insurance than men. It typically men who have the accidents where people are getting scraped up off the road and women tend to have fender benders....

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That is questionable.

What they are saying, correctly, is you can't tar everybody with the same brush.

From my experience the near misses I have had have come from either a) women pulling out at roundabouts without looking, b) young lads in souped cars driving like idiots.

So, why should responsible male drivers pay more than women when they have no evidence they are a bad driver.

It is about time they sorted it out.

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Originally Posted by Garry Walker

Absolutely correct. Most young men seem to have this idea that they are all Michael Schumachers and that they have to show it to everyone. Just a testosterone and ego thing.

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Yeah, they seem to drive like they are trying to make up for something...! Apparently Daniel does this a lot ;)

When you think about it, it's reasonable that if you are going to put people into 'boxes' based on risk, they should be a smaller sized box than half the population.

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Originally Posted by Bezza

That is questionable.

What they are saying, correctly, is you can't tar everybody with the same brush.

From my experience the near misses I have had have come from either a) women pulling out at roundabouts without looking, b) young lads in souped cars driving like idiots.

So, why should responsible male drivers pay more than women when they have no evidence they are a bad driver.

It is about time they sorted it out.

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I quite agree, you should propose a new question for the insurance companies to ask

Question 1: are you
A: Female
B: Male

If A proceed to question 2, if B proceed to question 3

Question 2: So you're a wimmin innit? Are you
A: An attentive driver
B: A dozey bint

If A you will pay lower premiums, if B you will pay more money for your insurance. Proceed to question 4

Question 3: Are you
A: an attentive driver
B: A yound lad driving around in a souped up car who drives like an idiot

If A you will pay lower premiums, if B you will pay more money for your insurance. Proceed to question 4

Question 4: Are you
A: A hard working heterosexual white person who is opressed in the name of political correctness gone mad?!?!?!?!?!
B: A gay lesbian black asian Welsh Scottish Northern Irelander who's from Poland?

If A you will pay more money for your insurance, if B, don't worry mate, the government will be taking care of your insurance.

It's about time you used your grey matter and stopped proposing that things need to be "sorted out" when certain things in life will never be 100% fair.