combwork
02-02-2009, 19:34
Hi.
The government tells us that to drive a car on a public road, we MUST have insurance. Fair enough, but I reckon they should offer the most basic RTA (road traffic act) insurance themselves, leaving the frills up to the insurance companies. Most people want TPFT as a minimum, so the insurance companies wouldn't be hit too hard.
Also, as it's the driver that's insured and he/she can only drive one car at a time, car insurance should automatically cover any car owned by the insured. Premium to be based on the car with the highest value/insurance group. This would encourage people to have two+ cars; one low mpg for when they need maximum load carrying; one high mpg for tootling round town. Of course each car should have it's own MOT, but the car Excise license (again priced on the highest rated vehicle) should be transferable to any car owned by the driver. This could have created a tangled mess in the old days, but as the U.K. has the highest ratio of population to surveillance cameras of any country in the world, I don't see that policing the above would create any problems.
What do you all think?
The government tells us that to drive a car on a public road, we MUST have insurance. Fair enough, but I reckon they should offer the most basic RTA (road traffic act) insurance themselves, leaving the frills up to the insurance companies. Most people want TPFT as a minimum, so the insurance companies wouldn't be hit too hard.
Also, as it's the driver that's insured and he/she can only drive one car at a time, car insurance should automatically cover any car owned by the insured. Premium to be based on the car with the highest value/insurance group. This would encourage people to have two+ cars; one low mpg for when they need maximum load carrying; one high mpg for tootling round town. Of course each car should have it's own MOT, but the car Excise license (again priced on the highest rated vehicle) should be transferable to any car owned by the driver. This could have created a tangled mess in the old days, but as the U.K. has the highest ratio of population to surveillance cameras of any country in the world, I don't see that policing the above would create any problems.
What do you all think?