Pipine Posted October 5, 2006 Share Posted October 5, 2006 I've just found this on BBC news. They want to charge per mile for insurance, people who drive longer journeys and drive at 'high risk' times of the day will be penalised. They're claiming this will help cut accidents (by basically discouraging people from driving at statistically more dangerous times of the day! ). Personally, I see it as just another money making scheme.. the insurance companies are not doing this to cut accidents really are they? Or am I being cynical? I can see my boyfriend wanting to move abroad soon to get away from the insanity here.. he does alot of driving, often at night, for his job.... there are just so many ways that business and the govenment are squeezing more and more money out of us now.. its getting silly. Link to comment Share on other sites More sharing options...
Cyclone Posted October 5, 2006 Share Posted October 5, 2006 It's an optional scheme, people will only join it if they believe it will save them money. Link to comment Share on other sites More sharing options...
joeyannie Posted October 5, 2006 Share Posted October 5, 2006 Its optional, mainly aimed at under 25's whose insurance is currently astronomical and who are (apparently) major contributors to accidents late at night. The idea is that by charging £1/mile after 11pm (I think) and much less in the day, young drivers who just want to get to college etc will benefit from lower prices, and hopefully less accidents would occur at night as less younger drivers would be on the road in the evenings. Not convinced it'll stop idiot-driving late at night but it would certainly benefit those who want to buy a car as soon as they pass their test but only really want to use it for college/shopping etc. Link to comment Share on other sites More sharing options...
alchresearch Posted October 5, 2006 Share Posted October 5, 2006 I'd be interested in joining if there were actual figures on how much it would work out per mile. I currently do less than 4000 a year and pay £200 fully comp. so I reckon that's 5p per mile? Link to comment Share on other sites More sharing options...
Pipine Posted October 5, 2006 Author Share Posted October 5, 2006 Optional at the minute but the article says... "Norwich Union's scheme is voluntary at present - but if such schemes were to become compulsory, the AA Motoring Trust said it would like to see safeguards. "Ultimately, it maybe something parliament has to get involved in," Mr Howard told BBC News." I'm fine with it if it stays optional but not if they try to enforce it on us all. Link to comment Share on other sites More sharing options...
medusa Posted October 5, 2006 Share Posted October 5, 2006 I can understand the weighting on the younger age groups late at night, but what about those of us who are careful, go out in the evening and drink fruit juice and then drive home? Are there statistics that prove who is more likely to be risky late at night, or would we all get charged similar extortionate rates for driving at night, whether we drove responsibly or not? Link to comment Share on other sites More sharing options...
Heyesey Posted October 6, 2006 Share Posted October 6, 2006 I can understand the weighting on the younger age groups late at night, but what about those of us who are careful, go out in the evening and drink fruit juice and then drive home? Are there statistics that prove who is more likely to be risky late at night, or would we all get charged similar extortionate rates for driving at night, whether we drove responsibly or not? Interesting point. Maybe your insurance should refuse to cover any incident in which you are found to have alcohol in your breath-test? Link to comment Share on other sites More sharing options...
Cyclone Posted October 6, 2006 Share Posted October 6, 2006 Your insurance is invalid if you are driving illegally, this would include being over the dd limit, although most would still pay out for 3rd party injuries I think. Medusa - I think each insurance company will have it's own statistical data, including the times of accidents and ages of drivers, so yes they could work out how much the risk is increased at night for drivers of any given age. What they can't take into account is weather... Which probably has a huge impact on the numbers of accidents. Last time it snowed I'd seen 3 minor bumps between the train station and walkley when normally i'd be surprised to see 1 a week. Link to comment Share on other sites More sharing options...
fox20thc Posted October 6, 2006 Share Posted October 6, 2006 I've just found this on BBC news. They want to charge per mile for insurance, people who drive longer journeys and drive at 'high risk' times of the day will be penalised. They're claiming this will help cut accidents (by basically discouraging people from driving at statistically more dangerous times of the day! ). Personally, I see it as just another money making scheme.. the insurance companies are not doing this to cut accidents really are they? Or am I being cynical? I can see my boyfriend wanting to move abroad soon to get away from the insanity here.. he does alot of driving, often at night, for his job.... there are just so many ways that business and the govenment are squeezing more and more money out of us now.. its getting silly. This is Norwich Union Directs Pay-as-you-Drive insurance policy. A new product launched and targeted at specific users, dependant on their vehicle, mileage and age. The company only offer this insurance if you would indeed save money by using it. They don't offer it to high usage customers full details of the product and its possible benefits are detailed here Its already been through a trial period which was quite well recieved and successful. Link to comment Share on other sites More sharing options...
medusa Posted October 6, 2006 Share Posted October 6, 2006 Interesting point. Maybe your insurance should refuse to cover any incident in which you are found to have alcohol in your breath-test? Personally speaking, I think they should refuse to cover accidents where alcohol is a factor anyway (apart from any 3rd party involved). I don't mix alcohol and driving anyway, that's why I was interested in the statistics of whether driving after 11pm was in itself inherently more risky than driving at 10.45 pm. Link to comment Share on other sites More sharing options...
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