Action call as teenager quoted £26,000 to insure car (From Bradford Telegraph and Argus)

BD16 wrote:
Until we see a genuine desire to remove uninsured drivers from the roads this will continue to get worse.
.
Initiatives don't solve problems, action does.

Albion. wrote:

BD16 wrote:
Until we see a genuine desire to remove uninsured drivers from the roads this will continue to get worse.
.
Initiatives don't solve problems, action does.

In the immortal word of one J McEnroe "you cannot be serious!"
Couldn't the dad get it on his own insurance for less or can't you do that these days?

BD16 wrote:
Until we see a genuine desire to remove uninsured drivers from the roads this will continue to get worse. . Initiatives don't solve problems, action does.

Albion. wrote:

BD16 wrote:
Until we see a genuine desire to remove uninsured drivers from the roads this will continue to get worse.
.
Initiatives don't solve problems, action does.

In the immortal word of one J McEnroe "you cannot be serious!"
Couldn't the dad get it on his own insurance for less or can't you do that these days?

Albion. wrote:

BD16 wrote:
Until we see a genuine desire to remove uninsured drivers from the roads this will continue to get worse.
.
Initiatives don't solve problems, action does.

In the immortal word of one J McEnroe "you cannot be serious!"
Couldn't the dad get it on his own insurance for less or can't you do that these days?

Thee Voice of Reason wrote:
Firstly, . When I buy a car, I look at the car and if I like it I ring round for a few insurance quotes. Then I know the true cost of the car. Am I the only one who takes this logical approach? . Seriously, who buys a car without knowing how much it would be to insure? . Secondly, . Here is a tip, get the pass plus lessons taken. It's the equivalent to 1 years no claims discount on completion which can be upto a 40% discount. Granted 40% of £26k still makes the insurance far beyond affordable but various insurance companies will look at you differently if you are seen to have gone beyond just getting your licence when you ring for a quote. . Finally, . Isn't this really the fault the powers ignoring the problem and now it is at the point of no return.

matacaster wrote:
1. Knowing that insurance costs have rocketed recently, it was perhaps a littl eimprudent not to check the price before buying the car. 2. The police have been "working with the community" for many years now to almost zero effect. A couple of odd days having a clampdown in an area where they aren't going to catch the perpetrators of non-insurance or insurance fraud does not work. They need to have a zero-tolerance approach. It CANNOT be beyond the ability or intelligence of the police to identify and destroy the 50% of cars without insurance in certain areas of Bradford. They should go there in force without warning and stay until they have caught the offenders and crushed their cars. Of course, they may well feel afraid of upsetting a whole community. BUT UPHOLDING THE LAW IS THEIR JOB AND THEY ARE POATENTLY NOT DOING IT in this case however 'difficult' it may be.

Apollo wrote:

Thee Voice of Reason wrote: Firstly, . When I buy a car, I look at the car and if I like it I ring round for a few insurance quotes. Then I know the true cost of the car. Am I the only one who takes this logical approach? . Seriously, who buys a car without knowing how much it would be to insure? . Secondly, . Here is a tip, get the pass plus lessons taken. It's the equivalent to 1 years no claims discount on completion which can be upto a 40% discount. Granted 40% of £26k still makes the insurance far beyond affordable but various insurance companies will look at you differently if you are seen to have gone beyond just getting your licence when you ring for a quote. . Finally, . Isn't this really the fault the powers ignoring the problem and now it is at the point of no return.

Agree with points 1 and 3 but the 2nd point regarding Pass Plus is wrong. Most insurers will not recognise Pass Plus and even those that will do not take it into account if you are are a young male. As such it is an almost complete waste of time if taken purely from the point of view of insurance premium reduction. It may have other benefits but insurance is not one of them.

BD16 wrote:

matacaster wrote:
1. Knowing that insurance costs have rocketed recently, it was perhaps a littl eimprudent not to check the price before buying the car. 2. The police have been "working with the community" for many years now to almost zero effect. A couple of odd days having a clampdown in an area where they aren't going to catch the perpetrators of non-insurance or insurance fraud does not work. They need to have a zero-tolerance approach. It CANNOT be beyond the ability or intelligence of the police to identify and destroy the 50% of cars without insurance in certain areas of Bradford. They should go there in force without warning and stay until they have caught the offenders and crushed their cars. Of course, they may well feel afraid of upsetting a whole community. BUT UPHOLDING THE LAW IS THEIR JOB AND THEY ARE POATENTLY NOT DOING IT in this case however 'difficult' it may be.

Matacaster: Can we keep race out of this. It's a sensible debate about serious problems that cover all communities. Mentioning "the community" can be the trigger for all the usual numpties to bring all of their usual opinions out, and that gets us nowhere. Other than that it's a good post.

Joedavid wrote:
“There is clearly a problem with the number of uninsured drivers on the road in Bradford and this is definitely pushing up premiums." David Ward should be getting the Police to do their job and get rid of these un-insured people from our roads.

Albion. wrote:

BD16 wrote:

matacaster wrote: 1. Knowing that insurance costs have rocketed recently, it was perhaps a littl eimprudent not to check the price before buying the car. 2. The police have been "working with the community" for many years now to almost zero effect. A couple of odd days having a clampdown in an area where they aren't going to catch the perpetrators of non-insurance or insurance fraud does not work. They need to have a zero-tolerance approach. It CANNOT be beyond the ability or intelligence of the police to identify and destroy the 50% of cars without insurance in certain areas of Bradford. They should go there in force without warning and stay until they have caught the offenders and crushed their cars. Of course, they may well feel afraid of upsetting a whole community. BUT UPHOLDING THE LAW IS THEIR JOB AND THEY ARE POATENTLY NOT DOING IT in this case however 'difficult' it may be.

Matacaster: Can we keep race out of this. It's a sensible debate about serious problems that cover all communities. Mentioning "the community" can be the trigger for all the usual numpties to bring all of their usual opinions out, and that gets us nowhere. Other than that it's a good post.

It does have some bearing on the situation. http://www.thetelegr aphandargus.co.uk/ne ws/1997953.six_out_o f_ten_drivers_not_in sured/

matacaster wrote:
1. Knowing that insurance costs have rocketed recently, it was perhaps a littl eimprudent not to check the price before buying the car.

2. The police have been "working with the community" for many years now to almost zero effect. A couple of odd days having a clampdown in an area where they aren't going to catch the perpetrators of non-insurance or insurance fraud does not work. They need to have a zero-tolerance approach. It CANNOT be beyond the ability or intelligence of the police to identify and destroy the 50% of cars without insurance in certain areas of Bradford. They should go there in force without warning and stay until they have caught the offenders and crushed their cars. Of course, they may well feel afraid of upsetting a whole community. BUT UPHOLDING THE LAW IS THEIR JOB AND THEY ARE POATENTLY NOT DOING IT in this case however 'difficult' it may be.

Albion. wrote:

BD16 wrote:
Until we see a genuine desire to remove uninsured drivers from the roads this will continue to get worse.
.
Initiatives don't solve problems, action does.

In the immortal word of one J McEnroe "you cannot be serious!"
Couldn't the dad get it on his own insurance for less or can't you do that these days?

Far Away wrote:
I go back to what I posted elsewhere. Technology can help even more than it is now. Add a percentage to every gallon (OK, Litre!) to provide every car with a minimum third party insurance underwritten by the government or appointed agencies. Those with their own insurance can have a swipe card to hand to the cashier resulting in no addition for basic insurance. Every person buying fuel must provide their car registration number which is automatically forwarded to DVLA systems to check for road tax and MOT. Rocket science it aint' but it could be made workable if the will and desire were there. It would leave the Police with time to concentrate on other crime.

Tink79 wrote:

Joedavid wrote: “There is clearly a problem with the number of uninsured drivers on the road in Bradford and this is definitely pushing up premiums." David Ward should be getting the Police to do their job and get rid of these un-insured people from our roads.

Mmmm I think even if the police caught them they would still drive around with no insurance. Many of them probably don't even have licenses or are banned. Apart from locking them up there's not alot that can be done. If the police seize their car it's cheaper just to go out and get a new one and drive around again until they are caught.

spinnekop wrote:
july 1st, court file. driving offences Arfan Shehzad Akram, aged 31, of Hartington Street, Keighley; failure to produce a licence, no separate penalty; failure to stop at a red light, £50 fine, £115 costs, licence endorsed. Shahid Mohammed Miskeen, aged 21, of Hodgson Avenue, Bradford Moor; driving without insurance, £75 fine, £100 costs, banned from driving for 28 days; driving without a licence, driving without MoT, no separate penalty. Emil Slivka, aged 32, of Church Street, Girlington; driving without insurance, £100 fine, £100 costs, banned from driving for 12 months. Karwan Jalal Shaikani, aged 25, of Grosvenor Terrace, Manningham; driving without a licence, no separate penalty; driving without insurance, 12 months conditional discharge, banned from driving for 12 months. Some rare days the balance is more 50 /50 in terms of 'native / asian' but considering only 17% of the population of Bradford is 'asian' then YES, this is a race issue. Unpalatable as it is these are the facts and this and the well documented 'crash for cash' operations are why insurance is so high. The keepers of the law are either too incompetant or scared to deal with this long standing culture of disregard for the law and when they finally do the courts do nothing. I wish it was different but these are the facts.

Far Away wrote:
I go back to what I posted elsewhere. Technology can help even more than it is now. Add a percentage to every gallon (OK, Litre!) to provide every car with a minimum third party insurance underwritten by the government or appointed agencies. Those with their own insurance can have a swipe card to hand to the cashier resulting in no addition for basic insurance. Every person buying fuel must provide their car registration number which is automatically forwarded to DVLA systems to check for road tax and MOT. Rocket science it aint' but it could be made workable if the will and desire were there. It would leave the Police with time to concentrate on other crime.

colgre wrote:

spinnekop wrote:
july 1st, court file. driving offences Arfan Shehzad Akram, aged 31, of Hartington Street, Keighley; failure to produce a licence, no separate penalty; failure to stop at a red light, £50 fine, £115 costs, licence endorsed. Shahid Mohammed Miskeen, aged 21, of Hodgson Avenue, Bradford Moor; driving without insurance, £75 fine, £100 costs, banned from driving for 28 days; driving without a licence, driving without MoT, no separate penalty. Emil Slivka, aged 32, of Church Street, Girlington; driving without insurance, £100 fine, £100 costs, banned from driving for 12 months. Karwan Jalal Shaikani, aged 25, of Grosvenor Terrace, Manningham; driving without a licence, no separate penalty; driving without insurance, 12 months conditional discharge, banned from driving for 12 months. Some rare days the balance is more 50 /50 in terms of 'native / asian' but considering only 17% of the population of Bradford is 'asian' then YES, this is a race issue. Unpalatable as it is these are the facts and this and the well documented 'crash for cash' operations are why insurance is so high. The keepers of the law are either too incompetant or scared to deal with this long standing culture of disregard for the law and when they finally do the courts do nothing. I wish it was different but these are the facts.

yes thats exactly as i see it too.....

undercliffe-lassie wrote:
As a resident of BD3, I am really pleased that David Ward is looking into this issue. Maybe there should be restrictions on the size of car young people can drive, it is unfair the premiums are so high, some people are passing their test and are unable to drive at all.

bigo93 wrote:
As usual in this country, the punishment does not fit the crime as given above:

Shahid Mohammed Miskeen, aged 21, of Hodgson Avenue, Bradford Moor; driving without insurance, £75 fine, £100 costs, banned from driving for 28 days; driving without a licence, driving without MoT, no separate penalty.

No Insurance, No MOT, No Licence, and the punishment is £174 fine and 28 day ban; he doesnt even have a licence! what makes the law think he will obey the ban?!
Now imagine how long it took to catch him. Even if it was only a year, instead of paying £1000 for insurance he's paid £175, and was his car crushed Probably not bet he drove it home after the hearing.

Most likely he's been driving around like this for years, imagine how many thousands of pounds he has saved by not getting any insurance!?! Is it any wonder why there are so many uninsured drivers in Bradford, it's actually cheaper not to get any!

Until the punishment and consequences of uninsured driving goes up, say a minimum £5000 fine with a jail term, people will obviously take the easier and cheaper route.

rinkydink wrote:
Its actually not hard for young drivers to get better/cheaper insurance...
Young drivers by nature are charged more, the fact he has under 1 years driving experience puts the price up again. the fact he's wanting to drive a car branded (by stereotype) as a vehicle notorious for boy racing puts it up again.

Here's a tip.. dont use comparison websites they bump up the price and dont give you a true quote. Speak to brokers and insurance companies direct. I know a godo handful of insurers that will insure as you dirve or put a tracker on the car to aid the price of the premium and the like.

On the personal injury note. Its a lot cheaper on insurers and in turn custoemrs for the insurance companies to simply pay out on the claims for injury that are low than try fight the case in court. If insurers fought EVERY case then the costs on premiums would be considerably higher than they are now.

bigo93 wrote:

Albion. wrote:

BD16 wrote:
Until we see a genuine desire to remove uninsured drivers from the roads this will continue to get worse.
.
Initiatives don't solve problems, action does.

In the immortal word of one J McEnroe "you cannot be serious!"
Couldn't the dad get it on his own insurance for less or can't you do that these days?

Yes they can, but only if the father is the main driver. This is not the case here as the son is the main driver as well as the car being in the son's name (I assume).

My father is an OAP, he has an old car barely even worth £150 now. The insurance came to £900!

I remember David Cameron saying he would help Bradford, just before the election. What exactly has he done so far?!

No new businesses, old businesses being priced out/closing down, uninsured drivers, speeding-dangerous drivers, PI claim culture, drugs and crime. All of the above and more are affecting the district and it's people.

If people had jobs maybe they would stop taking advantage of PI claims and pay their car insurance! But now let's say all this does occur miraculously next week; the insurers would still keep premiums at the current level for at least 2-3years it not longer!

The only way out of these high premiums is to move out of a BD postcode!

mr.marsden wrote:
It is no good just checking car number plates with a camera, you have to stop the car and check documents. Because the car might be insured in the name of one person, and this will show up in a camera check, but the owner has the attitude he or she has paid for an any driver policy. Stop the cars in Bradford 2 in a road check, and too bad if it delays innocent drivers.

spinnekop wrote:
july 1st, court file. driving offences

Arfan Shehzad Akram, aged 31, of Hartington Street, Keighley; failure to produce a licence, no separate penalty; failure to stop at a red light, £50 fine, £115 costs, licence endorsed.
Shahid Mohammed Miskeen, aged 21, of Hodgson Avenue, Bradford Moor; driving without insurance, £75 fine, £100 costs, banned from driving for 28 days; driving without a licence, driving without MoT, no separate penalty.
Emil Slivka, aged 32, of Church Street, Girlington; driving without insurance, £100 fine, £100 costs, banned from driving for 12 months.
Karwan Jalal Shaikani, aged 25, of Grosvenor Terrace, Manningham; driving without a licence, no separate penalty; driving without insurance, 12 months conditional discharge, banned from driving for 12 months.

Some rare days the balance is more 50 /50 in terms of 'native / asian' but considering only 17% of the population of Bradford is 'asian' then YES, this is a race issue. Unpalatable as it is these are the facts and this and the well documented 'crash for cash' operations are why insurance is so high.

The keepers of the law are either too incompetant or scared to deal with this long standing culture of disregard for the law and when they finally do the courts do nothing.

I wish it was different but these are the facts.

mr.marsden wrote:
It is no good just checking car number plates with a camera, you have to stop the car and check documents. Because the car might be insured in the name of one person, and this will show up in a camera check, but the owner has the attitude he or she has paid for an any driver policy. Stop the cars in Bradford 2 in a road check, and too bad if it delays innocent drivers.