Insurers to deny insurance for CU80
Insurers to deny insurance for CU80
Author
Discussion

ge0rge

Original Poster:

3,053 posts

227 months

Wednesday 2nd May 2012
quotequote all

obob

4,193 posts

216 months

Wednesday 2nd May 2012
quotequote all
I've never had a problem getting insured.

DAVEVO9

3,469 posts

289 months

Wednesday 2nd May 2012
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Good about time!

clap

There should be a mandatory 12 month ban for using a phone/texting whilst driving.


kambites

70,454 posts

243 months

Wednesday 2nd May 2012
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Hardly surprising, really.

ge0rge

Original Poster:

3,053 posts

227 months

Wednesday 2nd May 2012
quotequote all
I take it you were directly or indirectly effected by a driver using a phone?!

Mr GrimNasty

8,172 posts

192 months

Wednesday 2nd May 2012
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Fine, but why is my insurance not cheaper for refusing to own a modern witchtrickery communication device of the devil?

InfoRetrieval

390 posts

170 months

Wednesday 2nd May 2012
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My first thought when I read the subject line was which postcode area is CU80? It must be a really bad place to live...

getmecoat

FellowPazzini

4,481 posts

193 months

Wednesday 2nd May 2012
quotequote all
ge0rge said:
Seems a bit tough if you ask me:
It does but it is still surprisingly a major problem. I see people on the phone all the time, how they haven't got the idea of it all yet is beyond belief.

ge0rge

Original Poster:

3,053 posts

227 months

Wednesday 2nd May 2012
quotequote all
InfoRetrieval said:
My first thought when I read the subject line was which postcode area is CU80? It must be a really bad place to live...

getmecoat
hehe

wolves_wanderer

12,912 posts

259 months

Wednesday 2nd May 2012
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3 of the 4 companies that refused to quote for CU80 also refused to quote for 2xSP30. Not really a story that you may have to change insurance company if you have convictions is it?

Durzel

12,944 posts

190 months

Wednesday 2nd May 2012
quotequote all
Seems a bit dodgy to be honest.

Unlike speeding which is unequivocal and is often backed up by a Home Office approved device, being caught "using a mobile" when you could just as easily have had your head resting on your hand, or some other non-mobile device at your ear (perfectly legal), these cases seem to swing entirely on the evidence of an officer's statement, and fighting it in court basically amounts to "I disagree with this implicitly trusted Police officer's statement"

You don't have to be making a call to be using a device capable of an interactive communication function, you could just be pressing buttons, or playing a game, or have even drafted a txt and then deleted it. None of these things would leave any trace that would condemn or exonerate you.

The Law is also (imo) not specific enough by what is meant by "driving". Most otherwise law-abiding people would probably assume "driving" to mean "car in motion". Most people would, I'd wager, think it safe to take a call (or even just pick up a phone - also completes the offence) whilst they are motionless at traffic lights.

That being said I don't really know how you can reconcile a Law like this when mobile phones nowadays are capable of so much more than just making calls, including tasks that are arguably far more distracting than a phone call (e.g. games). It seems unfair however to unduely punish people for this sort of thing when the Law can't be specific enough, nor the evidence against you immutable.

Haggleburyfinius

6,703 posts

208 months

Wednesday 2nd May 2012
quotequote all
FellowPazzini said:
It does but it is still surprisingly a major problem. I see people on the phone all the time, how they haven't got the idea of it all yet is beyond belief.
My personal opinion is that it is a ludicrous law to begin with. I also see hundreds of people on the phone in their cars every single day in the city centre of Birmingham and am yet to see a single one of them crash into anyone or anything.

Maybe they are willing to take the chance given that a) they are probably as safe as if they weren't on the phone and b) there are no police around to enforce the rule anyway.

I drove for years with my phone permanently glued to my ear and had no problems whatsoever. Bluetooth on modern cars is the only reason I still don't.

obob

4,193 posts

216 months

Wednesday 2nd May 2012
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It's a stupid survey anyway. A sample of 8, as I've said I've never had anyone refuse me insurance.

Robb F

4,614 posts

193 months

Wednesday 2nd May 2012
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FellowPazzini said:
It does but it is still surprisingly a major problem. I see people on the phone all the time, how they haven't got the idea of it all yet is beyond belief.
You see people on the phone all the time whilst driving...

Do you see people crashing all the time whilst driving?

(I'm just messing, I know its wrong)

Vantagefan

643 posts

192 months

Wednesday 2nd May 2012
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I use Google Maps on my phone as a SatNav, I suppose looking down at my phone may make a copper think I'm reading a text. Having read this though I'm going to get a sticky holder thingy.

Howard-

4,964 posts

224 months

Wednesday 2nd May 2012
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Mr GrimNasty said:
Fine, but why is my insurance not cheaper for refusing to own a modern witchtrickery communication device of the devil?
Because dinosaurs can't drive very well wink

masermartin

1,649 posts

199 months

Thursday 3rd May 2012
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Durzel said:
That being said I don't really know how you can reconcile a Law like this when mobile phones nowadays are capable of so much more than just making calls, including tasks that are arguably far more distracting than a phone call (e.g. games). It seems unfair however to unduely punish people for this sort of thing when the Law can't be specific enough, nor the evidence against you immutable.
I'm sorry, I don't "get" your post at all. Are you suggesting that it should be OK for me to play Angry Birds at the traffic lights?