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Insurance exc commuting - ride in one day?

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NooBish-AbbZ
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PostPosted: 18:06 - 14 Mar 2019    Post subject: Reply with quote

Insurance brokers are cunts and would use absolutely any possible excuse to get out of paying our properly. Of course they'd use it to get out of paying should an incident occur Sad
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Nobby the Bastard
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PostPosted: 18:08 - 14 Mar 2019    Post subject: Reply with quote

NooBish-AbbZ wrote:
Insurance brokers are cunts and would use absolutely any possible excuse to get out of paying our properly. Of course they'd use it to get out of paying should an incident occur Sad


They can't refuse to pay out to 3rd parties.
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Pete.
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PostPosted: 18:43 - 14 Mar 2019    Post subject: Reply with quote

Nobby the Bastard wrote:
NooBish-AbbZ wrote:
Insurance brokers are cunts and would use absolutely any possible excuse to get out of paying our properly. Of course they'd use it to get out of paying should an incident occur Sad


They can't refuse to pay out to 3rd parties.


But they can come after you to recover what they paid. The guy 2 doors up from me let his labourer drive his truck and the lad flipped it wrecking a load of armco. He lost the truck and got forwarded a 30 grand bill for the armco repair.
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Ste
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PostPosted: 18:50 - 14 Mar 2019    Post subject: Reply with quote

SDFarsight wrote:
I've wondered what would happen if you get into an accident at your workplace but weren't working on that day (eg you work in retail rather than some office block). I guess you could get a statement from your manager confirming that you weren't working on that day.

Pretty much that.

Some other staff will know when they were next expecting to see you at work.

It would be as easy to show that you really were going to the supermarket next to your workplace as it would be to show that you were commuting to your workplace.
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Ste
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PostPosted: 18:55 - 14 Mar 2019    Post subject: Reply with quote

Pete. wrote:
a 30 grand bill for the armco repair.

Is it the policy holder they go after or whoever was behind the wheel? Confused

You can get in shit with the police for allowing someone who's not insured drive your vehicle, it's the person behind the wheel who's liable for whatever damage they do, isn't it?
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Pete.
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PostPosted: 19:04 - 14 Mar 2019    Post subject: Reply with quote

Ste wrote:
Pete. wrote:
a 30 grand bill for the armco repair.

Is it the policy holder they go after or whoever was behind the wheel? Confused

You can get in shit with the police for allowing someone who's not insured drive your vehicle, it's the person behind the wheel who's liable for whatever damage they do, isn't it?


In this case it was the company. The company insurance had a minimum age but the lad was below it. Didn't hear about any police action.
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Freddyfruitba...
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PostPosted: 20:17 - 14 Mar 2019    Post subject: Reply with quote

Ste wrote:
Pete. wrote:
a 30 grand bill for the armco repair.
Is it the policy holder they go after or whoever was behind the wheel?

I imagine either would suffice; so they'll pick whoever's likely to have sufficient assets to pay them
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Jmoan
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PostPosted: 21:20 - 14 Mar 2019    Post subject: Reply with quote

weasley wrote:

For my bike it adds about £60. I can afford £60. I can't afford 6 or 7-figure payments.


The state can afford it or it can start cutting down those costs.

Or perhaps people should start riding around on these carts to make a point. Laughing

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Jefr0
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PostPosted: 00:25 - 15 Mar 2019    Post subject: Reply with quote

This has started quite a debate!

Seems the answer is just donít do it.

I havenít got commuting on the insurance as I didnít think Iíd ever need to ride my Vincent or 916 into London.

Iím just trying to think of the best thing to do for a back up bike should I need it.

If I still had my CBR Iíd have that as a spare even if it meant paying the £12.50 a day ULEZ charge as still cheaper than the train.
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Travis Bickle
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PostPosted: 02:03 - 15 Mar 2019    Post subject: Reply with quote

Freddyfruitbat wrote:
I imagine either would suffice; so they'll pick whoever's likely to have sufficient assets to pay them


No I think Ste is right. The person who gave the kid the keys could get done for aiding and abetting driving without valid insurance, but ultimately I'm pretty sure the liability for any damages would be with the driver in the first instance. He could argue he didn't know and was assured that he was covered, if that was sustained in court I guess liability could be transferred. But unless that actually happened and went through court I think technically/legally the driver would be liable... Interesting either way. As ever with these scummy cunts they'll do whatever they can to avoid paying out and recover any losses. They probably gave the bill to the company knowing full well they weren't liable for it but thought it was a better bet than trying to give it to the driver. Free gamble. If the company contest liability, they go after the driver instead.

When my taxi fleet was at its largest my annual insurance policy was in excess of £36,000. You guys are talking about what, £60 or £80? Jesus Christ stop messing around and just add it to your policy. You'll only need it on one backup, not all your bikes.
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bhinso
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PostPosted: 11:07 - 15 Mar 2019    Post subject: Reply with quote

What happens if someone kills a pedestrian on a mobility scooter?

Presumably they're not insured, and there's more and more of them these days, plus they seemed to be getting faster. I've no objection to them provided they're limited to walking pace, but I think the OAP's are getting the manuals out and 'de-rezzing' them!

Only a matter of time...
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rpsmith79
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PostPosted: 11:52 - 15 Mar 2019    Post subject: Reply with quote

bhinso wrote:
What happens if someone kills a pedestrian on a mobility scooter?

Presumably they're not insured, and there's more and more of them these days, plus they seemed to be getting faster. I've no objection to them provided they're limited to walking pace, but I think the OAP's are getting the manuals out and 'de-rezzing' them!

Only a matter of time...


Exactly the same as if someone kills a pedestrian on a push bike or e-bike or whilst jogging.............. i guess it will become a Police matter, like the chap in Londonistan done for Furious Cycling when he hit and killed a women at a crossing (though that was somewhat different circumstances, as he had no brakes fitted to the bike)
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Ste
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PostPosted: 12:13 - 15 Mar 2019    Post subject: Reply with quote

Not being insured doesn't remove their liability.

Any action taken by the police is separate to civil action taken against the OAP by the deceased's next of kin.

People harp on about cyclists not being insured but if they've got house insurance then they'll almost certainly be covered under that for public liability which includes cycling.
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bhinso
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PostPosted: 12:24 - 15 Mar 2019    Post subject: Reply with quote

Plus I think as times are going on, we are seeing more mobility scooters on the pavements.
They're going faster, hence more momentum (likeliness to cause injury).
We've got one old bat in Rugby (clearly completely senile) going at full throttle yelling at everyone to "Fuck off" or "Get out the Fucking way"
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Ste
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PostPosted: 12:35 - 15 Mar 2019    Post subject: Reply with quote

Speed limit of 4mph if driving an OAP buggy on the pavement.

http://www.legislation.gov.uk/uksi/1988/2268/regulation/4/made

Get out of the fucking way is good advice. Laughing
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bhinso
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PostPosted: 12:44 - 15 Mar 2019    Post subject: Reply with quote

4mph? That's a very brisk walking pace.

Many of the fuckers i see are doing about three times that.
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A100man
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PostPosted: 16:02 - 15 Mar 2019    Post subject: Reply with quote

bhinso wrote:

We've got one old bat in Rugby (clearly completely senile) going at full throttle yelling at everyone to "Fuck off" or "Get out the Fucking way"


That I'd like to see - got any video?
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bhinso
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PostPosted: 16:26 - 15 Mar 2019    Post subject: Reply with quote

Sadly no, I'll try and sneak some footage next time I see her out.
When she tells me to fcuk off for just existing on the pavement trying to take evasive action, god knows what she'll do if I point a smart phone at her. Sad
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Jmoan
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PostPosted: 17:25 - 15 Mar 2019    Post subject: Reply with quote

bhinso wrote:
What happens if someone kills a pedestrian on a mobility scooter?


It's cheaper than an injury and you don't have to run over their no win no fee lawyer as well.
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Travis Bickle
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PostPosted: 21:59 - 15 Mar 2019    Post subject: Reply with quote

bhinso wrote:
Sadly no, I'll try and sneak some footage next time I see her out.
When she tells me to fcuk off for just existing on the pavement trying to take evasive action, god knows what she'll do if I point a smart phone at her. Sad


Reminds me of the time I was pushed into the road as a very young child (maybe 6 or 7) while on holiday in Porlock by some grumpy old git because I was in his way. My dad went fucking mental and was about to batter the old codger but the local vicar stepped in and asked my dad not to get angry because he was senile (the old codger that is, not the vicar or my dad).

Funny the things you remember.

I hope you all feel better for that little story.
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Last edited by Travis Bickle on 22:01 - 15 Mar 2019; edited 1 time in total
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Travis Bickle
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PostPosted: 22:00 - 15 Mar 2019    Post subject: Reply with quote

PS if my memory serves me correctly I think traditionally those mobility scooters were limited to either 8mph or 12mph depending on the model. My best mate from school's dad owns a mobility shop and we spent many a summer holiday in there helping out. That's where I learned how to do power wheelies on a manual wheelchair. May have changed now though. I think some of these e-bikes do about 20mph?
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DJP
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PostPosted: 18:13 - 16 Mar 2019    Post subject: Reply with quote

Many mobility scooter users do have third party insurance. My mum did when she had one.

Anyway, back to the plot: Get insured properly - it's really not worth the potential ball ache if it all goes Pete Tong.
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andyscooter
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PostPosted: 10:46 - 17 Mar 2019    Post subject: Reply with quote

I pretty much have to go past work if I want to go anywhere


mind you I also have business use on insurance as cheaper anyway
saved me over a tonne to add it and use car for other stuff for work

as for mobility scooters the 12mph ones are actually allowed on roads
and should have a limiting speed switch on them for use on paths

most people who have these have some sort of insurance as the people who sell them advise it for the very reason of what can happen (killing pedestrians )
problem happens when old person A dies and the kids sell the scooter to old person B who knows nothing about the insurance side of things

I worked in the industry for four years and spent mu childhood round them and the little three wheeler cars as dad always worked for a company that did them so school holidays were spent with him as mum worked in a shop and that was a more interesting choice
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yen_powell
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PostPosted: 11:42 - 17 Mar 2019    Post subject: Reply with quote

A100man wrote:
bhinso wrote:

We've got one old bat in Rugby (clearly completely senile) going at full throttle yelling at everyone to "Fuck off" or "Get out the Fucking way"


That I'd like to see - got any video?
This will keep you going till the main feature.
https://www.youtube.com/watch?v=AatjRv6drOU
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Travis Bickle
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PostPosted: 16:17 - 17 Mar 2019    Post subject: Reply with quote

andyscooter wrote:
I pretty much have to go past work if I want to go anywhere


mind you I also have business use on insurance as cheaper anyway
saved me over a tonne to add it and use car for other stuff for work

as for mobility scooters the 12mph ones are actually allowed on roads
and should have a limiting speed switch on them for use on paths

most people who have these have some sort of insurance as the people who sell them advise it for the very reason of what can happen (killing pedestrians )
problem happens when old person A dies and the kids sell the scooter to old person B who knows nothing about the insurance side of things

I worked in the industry for four years and spent mu childhood round them and the little three wheeler cars as dad always worked for a company that did them so school holidays were spent with him as mum worked in a shop and that was a more interesting choice


You sure you ain't my best mate from school? Your childhood sounds identical. By the little three-wheeled cars you mean the pale blue invalid carriages? My mate had one of those too (still does)! In fact his dad hired it out to the makers of the film Ali G Indahouse and they used it in the film https://www.youtube.com/watch?v=uWeR145YNNM
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