young drivers curfew....

[Alex]

TBH, I don't see this as being any different to defining the use of your car as "social, domestic, pleasure" and "SDP & commuting". Why not have an extra category called "SDP excluding night driving" and make it available to everybody?

Neither of the current usage definitions are monitored, so I'm not sure that there is a need for a little black box. If you have a crash at 3am then it's not as if you didn't know about the restriction. It's the same as having an accident first thing in the morning on your way to work, and not being insured for commuting - isn't it?

This also does beg the question, and this may have already been discussed, I read the first few pages and skipped to the end; What happens if you share a car with somebody? A family member may be insured to drive your car under a different policy. Does this mean that they're going to start requesting finger prints from the driver before you start your journy - Sensationalist? You just wait

 

[Hellcat]

What happens if you share a car with somebody? A family member may be insured to drive your car under a different policy. Does this mean that they're going to start requesting finger prints from the driver before you start your journy - Sensationalist? You just wait

What a fantastic work around.. You were out after 11pm.. Nope my mum was driving

When you crash.. "You owe us £25 for driving after 11pm." "Ok, and you owe me £4000 payout, keep the change"

 

[hollypop]

unless you work 25 miles away why would you have to pay £25 for driving home after 11pm??

i still use my car after 11pm but only for short jouneys then it only costs couple of quid

 

[Alex]

What a fantastic work around.. You were out after 11pm.. Nope my mum was driving

When you crash.. "You owe us £25 for driving after 11pm." "Ok, and you owe me £4000 payout, keep the change"

Indeed... The article doesn't actually mention if you're still insured whilst driving at night... I assume by the fact that they'll quite happily charge you £25 for the priviledge that you must be!

 

[Hellcat]

What a fantastic work around.. You were out after 11pm.. Nope my mum was driving

When you crash.. "You owe us £25 for driving after 11pm." "Ok, and you owe me £4000 payout, keep the change"

Sorry... what I meant was What a terrible loophole! We must prevent this sort of behaviour at all costs!

 

[StoneNewt]

the 25£ 'fine' is probably payment for that nights insurance...

 

[Merry]

If it means i can afford to own a car with my own insurance i'll have it. It would also give me an excuse not to drive to parties and such so i can drink


Just a thought, though, does this mean you get fined if you have to move your car off your drive or something after 11?

And what happens if you got stuck in traffic and such, what then?

 

[Biz]

Ooooh 30 mins to get home and 30 miles to go... Must avoid £25 fine... ZZZZZZZZZZZZoooooooooooooooooooooooooommmmm

Not a good idea. What if its an emergency? Plus its another step towards your personal wherabouts being tracked 24/7.

Yep............1 step forward then 2 steps back!

Plus, i like night driving..........not the speed aspect of it, it nice to be out at night driving with mates.......

Aswell as going on to a clear gatwick straights (if you know it!)..........

 

[Hellcat]

Oh its OK. I'm sure nobody would look at it from a £25 definite if I'm late or possible £60 if I'm not careful and caught speeding.

 

[Jai]

lets try another tack on this,

i take it we are all agreed that insurance comapnies are heavily biased against young drivers, esp males, esp in what they perceive to be sportier cars that have been modified?

as a result the insurers through the figures collated by actuaries give premiums based on the data gathered from countless other younger male drivers that show them to be more likely to involved in a collision, hence the hefty cost of insurance

but what if......

those same insurance companies, and you decided to use this technology to help both of you out? what if the data recorder logs every trip, speed, lateral g, in effect your entire driving style, and you the younger driver thought of as a risk by the insurer, can prove, in cold hard data, you dont speed, you dont go screaming round corners, handbrake turn, or drift?

this is the crux of countless threads on this forum, "i'v had my car a year, i'm safe, why do they charge me so much?" and yet here could be a way....

say, for instance, your premium is set at £2000 for the year, whereas an older drivers maybe down to about £250devil: ), now whilst the diff is too great to make up with the box data, and angelic driving, at the end of the year, a portion of your premium could be returned to you, as a real no claims bonus, the following year that return can be higher and retrospective.

what are you being asked to do, prove you're a safe driver, most of you say it already, now you can show it in black and white.....winners (or yet again whiners) all round......

 

[Hellcat]

Number of old drivers I see pull out onto a roundabout pulling 0.00000000001g straight into traffic coming around the roundabout..

Slow aint always safe, but I agree there should be more taken into account. How about lesser driving penalties which don't go on your licence as points but do go against your driving. i.e. if a policeman sees you pull out on someone he can caution you for awareness and that is taken into account on your insurance premium.

 

[StoneNewt]

I agree Hellcat, there's a certain local junction which, thanks to the lack of care to the verges, makes it easy for you to see on-comming traffic but not them see you. The good thing is you can peel right across the flow of traffic quite easily at 50mph and then you've cleared the junction with a nice safety margin but you have to put you foot down exiting a junction to get that kind of speed up. About 2/3 of people cross that road at 30~35mph, this means if someone is coming in the opposite direction at the speed limit they have to brake fairly hard or the distances get rather tight if something goes wrong. For this reason most boy racers actually navigate this junction in a safer manner 85% of the time, ie they're going quickly, however the other 15% they're cutting people up which isn't so good

Edit: of course if the council cut the undergrowth & ripped out all the small trees growing in the verge there would be enough visibility at the junction anyway

 

[custard]

old people are evil

http://news.bbc.co.uk/2/hi/uk_news/england/gloucestershire/7224270.stm

 

[Chas Uno]

old people are evil

http://news.bbc.co.uk/2/hi/uk_news/england/gloucestershire/7224270.stm

Poor woman.


But...



























...

 

[Chas Uno]

I think we've found the guilty party

 

[pickle]

Dont wanna sound cold hearted but something should be done about the ever increasing number of mobility scooters about!
My issue is whether they are meant to use the road or pavement! Surely it should be one or the other? you cant have the best of both worlds!
When on the roads, they take up enough room for a car and in my opinion are an accident waiting to happen.(Do they have to pay road tax & insurance?)
When on the pavement, they just come straight at you, i have no problem with moving aside for them but some kind of acknowledgment or thankyou would be nice!

 

[custard]

my problem is(for me) they are too fast.
they shoot along the pavement at way beyond foot pace.
if on the road then fine.
i agree on the road/pavement thing but perhaps if they have ot be on the path (depending on the situation) then shouldnt they have a set path limit?

 

[StevenRB45]

Bikes are banned from pavements and they are usually ridden by people who still have all their mental and physical faculties and are more maneuverable...but they can be faster than an invalid carriage. Have to say that photo made my night! Although now shes written off the scooter she'll have to go back to trundling at scooter speeds in her 12 year old fiesta on her way to the shop down the road...looking disapprovingly at the youngsters who have the sheer lunacy to overtake her and then complaining about them to the ladies at the bridge club and in letters to the editor whenever a chav parks his saxo in a bus stop.

 

[Focus Owner]

I hate mobility scooters they regularly crash into me since i refuse to move for some old women who is too lazy and so thinks she has more priority
last time i let one pass she stopped in front of me i was not happy i told her face to face that she was rude arrogant, she proved she could work when she stood up.

give them a P50 and i will be happy because once they hit a wall they are stuck

 

[jug]

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