TVNZ Boyracer doco...

[eskimo]

I disagree

Main focus should be on driver education. As in how to acutally bloody drive.

I agree, this is why I think we should adopt the licensing system from Finland, they spend a fair chunk of time on education and car control.

They also have a two strikes and your out rule during your "probation period" / (restricted period for us)

[Dell'Orto]

Thats not so my brother inlaw is one of the bosses for vero insurance and speeking to him about compulsary 3rd party would actually bring down the cost based on the more that do so the cheaper it gets.

Yup all well and good in theory, but as mentioned the UK is a prime example of how this doesnt work.

[mr30%jr]

yup thats for sure it would be nice to see an insurance for ALL of my cars, becuase i can only drive 1 at a time so why should i have to pay 5 fold.

then maybe i would get one and all those people that go on about me having insurance STFU

[steve murch]

Thats not so my brother inlaw is one of the bosses for vero insurance and speeking to him about compulsary 3rd party would actually bring down the cost based on the more that do so the cheaper it gets.

Yup all well and good in theory, but as mentioned the UK is a prime example of how this doesnt work.

This the reasons they are so high

The main reason car insurance is so expensive for a teenager is due to the lack of experience driving. The more hours a teenager practices and learns how to handle different situations, the better driver he will become, which is why most insurance companies start lowering rates at age 25.

Car accidents are the leading cause of death among teenagers, according to the National Highway Traffic Safety Administration. The greatest risk is among the youngest drivers, at age 16, when the likelihood of crashing is even double that of 18- and 19-year-olds

So much of driving involves recognizing dangerous situations and knowing things like judging how fast another car is going and how to merge onto a highway with them. Younger drivers are also more likely than older drivers to drive above the speed limit and tailgate others.

Young drivers are less likely to use their seat belts any time they drive or ride in a motor vehicle.


Increased insurance rates for young drivers is also due to the higher incidence of driving while intoxicated or driving under the influence of drugs and/or alcohol.


That was off an english insurance site and they also state where you live as a risk factor, but they also state you need FULL insurance were only talking about third party.
Im all for compulsary 3rd party theres over 4mill people in nz and 3.8mill registed cars !!! another reason we need it we are the land of transport and the odds go up every day for the possiable accident may happen.

A student loan is bad enough to pay off and if you hit a late model merc or a lambo, will your loan will look cheap.
And if you dont have it when pulled over you loose your licence for 3mths plus points, young or old.

[Dell'Orto]

Yeah its not just young people who get reamed with insurance though, I personally know of several people in their late 20's/30's who paid what I would consider astronomical premiums for run of the mill cars.

[Cakky]

no license for anyone that can't drive a manual.

too many kids jumping in automatics ( i.e chur bro rb20e cefiros ) whacking it in drive and hooning into a pole.

every new licensee should be made to sit there test in a manual to prove they understand the basics of car control and how to use the car correctly in all situations.

I have so many friends who I simply will not get in a car with because they are such shocking drivers they scare the hell out of me, I just wonder how some people actually pass their license, the test needs to be more intense I reckon.

[steve murch]

Yeah its not just young people who get reamed with insurance though, I personally know of several people in their late 20's/30's who paid what I would consider astronomical premiums for run of the mill cars.

they also state theres many reason like past driving records, male female etc they dont just crank it up for no reason sorry.
Google around the world and youll find the same thing and many of the same reasons, its just how it is and that age bracket you have meantioned is one of the brackets they consider that has yet to grow up.
Remember this is done across the board based on market research not here say.

[steve murch]

Again off and american insurance site, i think youll be getting the ideas to why its so high and fair enough it is.



The statistics are indisputable, but do not tell the whole story. It is important to remember teen drivers are inexperienced behind the wheel and often, according to statistics, make poor decisions regarding drinking and driving as well as speeding. Both factors contribute to a high percentage of injury and death related accidents. Lack of seatbelt use also contributes to many injuries for this driver class. It relates to the feeling on invincibility often associated with being young and inexperienced.

Teens and parents of teens will have to pay more for auto insurance until these statistics are reversed, which according to all data available, isn’t going to happen any time soon. To make matters worse, talking on a cell phone and texting while driving are steadily accounting for more teen accidents annually.



And with age comes the maturity( we hope) to make desisions, they also states rates are higher for males over females, less testoserone i would say since most teenage males consider their car to be an extension of their penis.
Now i do agree that there are some very good teenage drivers out there,but they will pay the penalty due to their shithead mates.
Which is what this whole thread is about the minority screwing it up for the majority.

[Mr.Phreak]

And with compulsory insurance you can say goodbye to most of the older vehicles on the road

[steve murch]

And with compulsory insurance you can say goodbye to most of the older vehicles on the road

Itll only be a problem if you dont have it

[Bling]

And with compulsory insurance you can say goodbye to most of the older vehicles on the road

Whys that?

[steve murch]

theres alot of older vehicles on the road in better condition than newer ones, youll find the age thing thatll cost you more and past history will be the main influance meaning the person.

[solitaire]

Yeah its not just young people who get reamed with insurance though, I personally know of several people in their late 20's/30's who paid what I would consider astronomical premiums for run of the mill cars.

Can you give us an example? Someone mentioned an integra for UK insurance which is not a valid example... jap cars are very expensive to insure in the UK - a similiar performance euro car is always cheaper, a lot cheaper if i remember correctly.

[Al]

I'm paying like $850/year on my Clio and I haven't had a claim in 10 years. That is more than twice what the MR2 was costing me..

[Snoozin]

I'm paying like $850/year on my Clio and I haven't had a claim in 10 years. That is more than twice what the MR2 was costing me..

That's called the "You bought a French car you f**king weirdo insurance tax"

[Al]

[Dell'Orto]

Yeah its not just young people who get reamed with insurance though, I personally know of several people in their late 20's/30's who paid what I would consider astronomical premiums for run of the mill cars.

Can you give us an example? Someone mentioned an integra for UK insurance which is not a valid example... jap cars are very expensive to insure in the UK - a similiar performance euro car is always cheaper, a lot cheaper if i remember correctly.

400 pounds p/a on a BMW 320, though I have no idea what its insured for. Not far off what I was paying for my turbo Trueno

[solitaire]

400 pounds p/a on a BMW 320, though I have no idea what its insured for. Not far off what I was paying for my turbo Trueno

You are saying thats a lot of money? (just want to clarify i understand)

I was paying 550 on a rubbish 1990 golf but i was under 25...

[steve murch]

Dont convert the pound over to kiwi keep it one to one

Based on that 400 a year for insurance isnt that bad

[Adoom]

Dont convert the pound over to kiwi keep it one to one

Based on that 400 a year for insurance isnt that bad

What he said.
While I was over there I noticed that stuff that was a dollar in NZ cost a Pound and vice versa. Its all sweet if you are earning pounds, but sucks balls if you are converting nz dollars to pounds. Importing things from UK usually = FAIL.