Insurance for your driving licence.

[Rose Chap]

If I had a job that absolutely depended on me having a driving licence (travelling salesman for instance), I'd strongly consider licence insurance.

I use Speedtronic a lot, especially in urban areas, but there is always the chance of getting caught out, as Rory very eloquently states above.

 

[pammy]

I can't believe how personal this thread is.

It does worry me that there is an insurance that basically rewards you for breaking the law however. That seems barking to me But if it exists and you thing you might need it - not wanting to get into the rights and wrongs of that , then why not take advantage of it?

 

[hawk20]

Wouldn't it be lovely to have the technology to track all the smug self satisfied people who claim they never speed and couldn't possibly lose their licences. I would bet a packet that over an average week, let alone a month or a year, not 1% genuinely NEVER exceed any speed limit however briefly.

Let he who is without sin be the first to cast a stone.

And while the Police and politicians tell motorists they should not lie, The Police and Local Authorities are lying all the time, and knowingly, by putting up notices saying there are cameras where they know there are none, and never have been any. This should be banned by law. It is an appalling example to young and old alike. The end does not justify the means.

So we can hardly be surprised if people do not believe the signs when they see them. Why should they. Round here about 80% are false.

 

[ceejaySL]

If I had a job that absolutely depended on me having a driving licence (travelling salesman for instance), I'd strongly consider licence insurance.

I use Speedtronic a lot, especially in urban areas, but there is always the chance of getting caught out, as Rory very eloquently states above.

I do, and have been travelling the country extensivley for 25 odd years.

Admitidly I do not do monster miles, averaging between 60,000 and 25,000 per year at different times in the car and 4-8000 miles per year on the biike.

But then I have not had any speeding points, and never been prosecuted for dangerous or reckless driving, and certainly never driven under the influence of drink or drugs, so I do not have the benefit of talking from the convicted side of the argumant.

My trick is to pay attention, and drive sensibly, with a very similar strategy to MBman.

But then I guess I deserve ridicule for that too.

 

[Rory]

What if this happens (and I already mentioned a good friend of mine, who a hefty fine and points when a Police Officer lied in court):

http://www.dailymail.co.uk/pages/live/articles/news/news.html?in_article_id=461072&in_page_id=1770

if he'd been driving a Mercedes he wouldn't have had any defence.

 

[crockers]

and it goes on and on and on and on and on and on and on...


Reminds me of those adverts for Ariston...........yawn

I am all for debating items - helping people (as I need more help than I can give) but come on -- this is becoming nasty and unnecessary...there is nothing to be achieved by character assignation....even if you're (think) in the right...

Or am I in the wrong forum..?

 

[gina2201]

Bit disappionting to read this thread, started off ok, I couldn't be bothered to read all the posts as they seem to be a little derogatory. But there are OTHER ways to accumulate points, such as parking, (I should know!) so why, if there is a market for this type of insurance, shouldn't there be one, and if people are willing to pay then let them!

 

[hawk20]

I can't believe how personal this thread is.

It does worry me that there is an insurance that basically rewards you for breaking the law however. That seems barking to me .

The law believes that banning someone from driving is sufficient penalty. And most of us would hate that penalty; I know I would. It is not right if that penalty leads to someone losing their livelihood and maybe becoming homeless too, if they happen to have a large mortgage.

The Insurance is not rewarding them for breaking the law. It is doing what insurance has always done: - covering you for the costs of something happening which you would prefer not to happen. Like floods. Or like losing your licence and maybe your job.

 

[Rory]

Wouldn't it be lovely to have the technology to track all the smug self satisfied people who claim they never speed and couldn't possibly lose their licences. I would bet a packet that over an average week, let alone a month or a year, not 1% genuinely NEVER exceed any speed limit however briefly.

There's a comment in another forum from a traffic Police Officer who says he often gets asked to do speed checks in villages because the locals complain about 'speeders' - and the people he catches are all locals!

I would say that a lot of people complain about everybody else speeding, and then speed themselves. Even Richard Brunstrom has admitted it.

 

[ceejaySL]

Wouldn't it be lovely to have the technology to track all the smug self satisfied people who claim they never speed and couldn't possibly lose their licences. I would bet a packet that over an average week, let alone a month or a year, not 1% genuinely NEVER exceed any speed limit however briefly.

Let he who is without sin be the first to cast a stone.

And while the Police and politicians tell motorists they should not lie, The Police and Local Authorities are lying all the time, and knowingly, by putting up notices saying there are cameras where they know there are none, and never have been any. This should be banned by law. It is an appalling example to young and old alike. The end does not justify the means.

So we can hardly be surprised if people do not believe the signs when they see them. Why should they. Round here about 80% are false.

I have not said I have never exceeded a speed limit - I said I have never been prosecuted for dangerous or reckless driving, and never had any speeding points.

And I have never - would never - drive under the influence of alchohol or drugs.

I agree, cameras are just a smokescreen to generate revenue and to convince the public that speed is the enemy, when it has been proved that it is inappropriate use of speed and not paying attention that is the problem.

 

[crockers]

There's a comment in another forum from a traffic Police Officer who says he often gets asked to do speed checks in villages because the locals complain about 'speeders' - and the people he catches are all locals!

I would say that a lot of people complain about everybody else speeding, and then speed themselves. Even Richard Brunstrom has admitted it.

Yes - true in our village speed limit is now down to 30 from 40 - my neighbour caught doing 60+ ( 1 week ban)....instant...

Saw him mowing the lawns to the estate the other day and asked him if he was doing his community service ......pmsl.....:bannana:

 

[BonzoDog]

It must be that recycled and barryj are good mates and had a bet that they could do a big windup by pretending to slosh their handbags at each other. That is right isn't it? Please don't tell us you were both serious and thanks for the entertainment.

 

[BlackC55]

I did not mean this thread to go personal but it is quite entertaining reading it.

It will probably get closed.

Carry on.........

 

[pammy]

The Insurance is not rewarding them for breaking the law. It is doing what insurance has always done: - covering you for the costs of something happening which you would prefer not to happen. Like floods. Or like losing your licence and maybe your job.

Insurance is normally to cover you in the event of something unexpected happening that is out of your control. Putting miscarriages of justice aside as I think that's a totally different subject, not keeping hold of your driving license is within our control. If your job and your home are dependent on your driving then you just don't risk it.

I can understand this type of policy to cover against ill helath that might you are prevented from driving and so incur extra costs etc.

As for miscarriages of justice - perhaps we shuld all insure against that as it can happen to any of us

But as I said before - if the facility is there and you can afford/want to use it then so be it. As long as it doesn't impact me

 

[recycled]

Would that even the wisest in the land knew how to do that. If there was a prize for the smuggest, most self-satisfied, and most unhelpful remark, I guess you would be in there with an excellent chance.

Well i am sorry if you can not simply realise that it is as simple as that.
You are being very rude with your remarks as this is not an unhelpful remark.It is very helpful as that is the thing your driving instructor will tell you.
Please make a statement and do not direct your righteous comments at me as i do not want to get into a slanging match.
With any Holier than thou attitude

 

[andy_k]

I can't think of any other instance where an insurance policy protects the policy holder against them deliberately going out and breaking the law.

 

[recycled]

Well i am going to insure myself against getting caught if i commit murder and get put in jail.
Why does life insurance exclude death by suicide ?

 

[Alfie]

.................................................
Why does life insurance exclude death by suicide ?

It doesnt There are a number of policies that do include it bizarrely enough.

 

[barryj]

Well I can walk away from this thread with at least the dignity that I haven't made the rudest remarks!!

Don't mention insuring yourself against a ban................................I mentioned it once but I think I got away with it.

 

[recycled]

I hope if a new member comes on here and asks how to turn his hazards on as he does not know, and someone states the obvious by telling him it is a little red triangle in the centre console , the helper does not get crucified by "stating the obvious" solution or answer which he thinks might help.
I have had loads of help from this forum and i have asked some pretty obvious questions which i have had some simple but great answers.
When i give out an answer, i am hoping to help and not to receive all kinds of negative energy directed on my case especially when the answer is directed to no one.
I wonder why the OP did not attack me when he saw my answer.