The utter insanity of insuring a car in London
- Thread starter Ricochet J
- Start date
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
rubbish
plenty of yoooofs smash straight into people in traffic through inexperience or through the distraction of teenage girls, loud music etc
id guess claims in london are going to cost more than a claim elsewhere too (just like everything else in that hellhole!) higher costs to get things fixed, higher loss of earnings to pay when you cripple a cycling banker . a young lad rolling into a field in a third party only insured micra costs naff all for insurance companies
edit - oh
Last edited:
I drove right through the middle of London once, mid-morning on a week day. I'm still not sure how I emerged out the other side having avoided the constant onslaught of bendy buses and London taxi cab drivers. It was quite an adrenaline rush, but the insurance prices are unsurprising!
Home insurance prices are astronomical too - because of a) the dodgy feckas dreaming up ways of getting a new tv and sofa from the insurance and b) the genuine risk of an actual burglary.
I have one client paying £16,000 a year for his home in London. Admitedly it's a nice pad - but the premium should be half that without his colourful claims history.
I have one client paying £16,000 a year for his home in London. Admitedly it's a nice pad - but the premium should be half that without his colourful claims history.
Loud music makes people crash
?Distraction by girls and other things I can understand, but loud music ?
It's just a combo of very high density and traffic... There's little space and a lot of people in that space, it's pretty obvious that in a city you have to pay far more attention to things for something to not go wrong than by just pooting about on cruise control on rural roads or motorways, but loud music has nothing to do with high insurance premiums I think.
Err actually it is. More people cluttered in a small area means more risk of little GP's and showing off to girls or whatever. On the countryside there aren't as many cars/ pedestrians/cyclists to ram in to and you tend to drive straight with little junctions, in city you're changing direction often and there are a lot more junctions. In rural area's drivign tends to be relaxed and easy, in city it's ''pay attention or crash'' and there are a lot more young people taking the bait for a little spirited sprint.
Last edited:
Loud music makes people crash
Distraction by girls and other things I can understand, but loud music ?
You and rypt should meet up for a beer.
Ha...
I can only think of not hearing honking or an emergency vehicle, but if you are looking well you should see something before you hear it. Why else would they let deaf people drive ?
Loud music *is* a distraction, there's no two ways about it. If you can honestly say you're not bothered at all by it in a busy urban environment with lots of hazards and things to think about, then you're not paying enough attention when driving IMHO.
The lady, in London I might add, who knocked me off my Scooter and fractured my shoulder into 5 pieces a couple of months ago was asked why she hadn't heard the amusingly loud little Vespa in her blind spot. She answered - loud music.
I disagree.
They're called mirrors.
What about actually looking in her blind spot like she was taught on her lessons ? And why were you staying in her blind spot ? Don't get me wrong I ride a 50cc moped to work and uni with good weather and I know people overlook me ( and had to use the brakes quite hard a couple of times), but I wouldn't stay in a blind spot for longer than a sec of any car.
Last edited:
It'll come with experience.
The music and the dope disturb your brain waves and make your right foot gas pedal heavy.
I wholeheartedly agree, she should have, but had she not had the music turned up so loud she may well have been alerted to the fact I was there, and despite her poor awareness skills, my shoulder might have remained in one piece.
However the DVLA agree with you as I don't think deafness is a reportable condition for gaining a license, and having the music on incredibly loud is much the same as driving around while deaf I should think.
edit: I didn't remain in her blind spot, I was filtering past slowly along a line of stationary traffic. Wasn't in it for more than a split second, but she chose that moment to attempt a U-turn. If she could have heard what was going on around her she may well have heard the unmistakble wheeze of a 50cc hairdryer approaching from miles away.
Last edited:
The music and the dope disturb your brain waves and make your right foot gas pedal heavy.
It is that without the music
.Bad luck though, I am lucky to be able to ride on cycling paths for most of the way here with my moped and don't have too much to do with cars except on junctions, 37 mph on a moped feels very dangerous and the thought of being hit on a moped always scares me.
Cascada?
I listen to Pink Floyd, Deep Purple, Ac/dc, Eagles, 10cc, Genesis, etc...
If you don't like music then it's your choice, I live for music
.
Last edited: