Z4-forum.com

Obs-Com wrote: ↑Sun Nov 12, 2017 12:25 pm However, no one's ever heard of a Greengrocer being taken to Court because of the bend of his banana!!

Obs-Com wrote: ↑Sun Nov 12, 2017 12:25 pm ........... I suspect if ever an uninsured driver tried to obtain compensation under these circumstances (in the unlikely event that a matter would even get before a Court) it would be thrown out. Interesting test case though if ever it did happen.

bob4333 wrote: ↑Sun Nov 12, 2017 1:58 pm

Obs-Com wrote: ↑Sun Nov 12, 2017 12:25 pm ........... I suspect if ever an uninsured driver tried to obtain compensation under these circumstances (in the unlikely event that a matter would even get before a Court) it would be thrown out. Interesting test case though if ever it did happen.

Steady now. If the lawyers get involved then all of our premiums will go up yet again.

But isn't it all just symptomatic of if you pay people to sit around thinking up new laws they have to come up with something - or they'll have to go and get a proper job.

Or am I just being too cynical.....................?

Lazza wrote: ↑Mon Nov 13, 2017 10:02 pm Why can’t I find cheaper than £350? That’s with AA who have never been good for me before.
50 years old, full no claims, 3pts (sp30), 1 no fault claim 3 years ago.
46 year old Mrs named driver. No points, no claims.
It all just seems to be random whether it’s possible to get a reasonable quote or not.
I don’t live in a dodgy area or have a high risk job.

bob4333 wrote: ↑Sun Nov 12, 2017 9:30 am

Obs-Com wrote: ↑Sat Nov 11, 2017 7:27 pm Can you reference this ruling?

I'll have a go. motorclaimguru.co.uk is usually reliable on these matters.

"A European Union ruling means that even motorists who break the law by driving without insurance should be protected if their car is damaged – a policy, transport secretary, Chris Grayling has condemned.

Under current UK rules, protection is given to motorists whose car is damaged by an uninsured driver. The Motor Insurance Bureau (MIB) charges insurers a levy to meet the bill. The cost – some £256 million last year, or around £10 per driver – is passed on to motorists through their premiums.

However if the motorist who is the victim of the crash is also uninsured, they are exempt from receiving any compensation. The new EU ruling, which takes effect from 1 March (2017), will see a common system in place across the continent in which no driver is excluded.

Mr Grayling said, ‘It cannot be right that hardworking, law abiding drivers will foot the bill for the irresponsible actions of those who decide to break the law and drive without insurance.

‘As a result of European law, the government is forced to make these changes to the compensation paid out by the MIB. We are bound by our EU obligations – but we are leaving the EU and we will want to come back to this.’"

From the MIB

https://www.mib.org.uk/media-centre/new ... agreement/

"MIB paying a claim for the damage to an uninsured driver’s car when it has been caused by another uninsured or a ‘hit and run’ driver seems counter-intuitive. However, from 1 March 2017 that is what MIB will be required to do.

Paul Ryman-Tubb, Chief Technical Officer at MIB said: “Whilst we will deal with these claims in a professional manner, the principle of using honest premium paying motorists money to pay for the damage to an uninsured driver’s car seems crazy.”

This has come about through changes to the Uninsured Drivers Agreement and Untraced Drivers Agreement between MIB and the Government which are being introduced this week.

MIB has exercised its views with government advisors and debated this for many months. We understand that the government felt its hands were tied and they must comply with the Directive; so both of the Agreements have to change."

See also The Insurance Times

https://www.insurancetimes.co.uk/eu-in- ... 29.article

Insurance Business Magazine

http://www.insurancebusinessmag.com/uk/ ... 42547.aspx

Sunday Express

http://www.express.co.uk/news/uk/753659 ... ed-drivers

It was also confirmed to me by someone working in the insurance market. So, although just as nonsensical, sadly it doesn't seem to be Bananas this time.

Ducklakeview wrote: ↑Mon Nov 13, 2017 10:55 pmJesus Christ!

That's literally an incentive for more bogus claims, as now neither car has to be insured!

Mike