car insurance

[carolann]

A friend of mine in his mid 50's has asked the insurance company if his premiums would go down if he put snow tyres on his car as he live out in the country and they have said no as he would be modifying his car so they would have to put it up another £1000 is this fair or what? to me a car need tyres to run on so does it matter what type you put on your car to make it safer to travel in? I would have thought that the premium would have gone down seeing as he was trying not to have an accident. What does everyone think?

[Barbara]

I saw a news article on the beeb about this, they said the person from the insurance company had got it wrong, and while the premiums wouldn't go down , they wouldn't gp up either, so best to check with other companies maybe.

I've also seen an article saying the police will stop you and fine you £50. if you drive around with a pile of snow on your car roof.

[MamIDdau]

Yup

I cleared my car completely before I went out yesterday. It's dangerous to drive around with a load of snow on the roof for both you, and other road users.

[Geranium]

I'll be interested in hearing whether this is correct info from that Insurance Company - it sounds illogical!

As to snow on the roof - I saw several motorists yesterday who hadn't even bothered to clear their windscreens, let alone the roof! How dangerous is THAT?

[Tig]

That is bonkers Carolann ... the cold must be affecting their brains, if they have any!

I wish the police would make the same effort for lorries, I drove behind one of those 'curtained' trucks during the last spell of bad weather and an avalanche blew off the top onto my car

x Tig

[aurora]

Just goes to show how stupid insurance companies can be, as drivers have a greater risk of having an accident without snow tyres and therefore a greater risk to the insurance companies.

This is like the stupid legal issues of clearing the pavement outside your home. If someone subsequently slips and injures themselves they have a legal right to sue the person who cleared the pavement.

[Geranium]

The coalition said they'd change those stupid 'elf & safety' rules - let's hope they do!

[Ladygardener]

Seems crazy to me so it must be true.

[MamIDdau]

Dec 20, 2010 11:48:29 GMT aurora said:

Just goes to show how stupid insurance companies can be, as drivers have a greater risk of having an accident without snow tyres and therefore a greater risk to the insurance companies.

This is like the stupid legal issues of clearing the pavement outside your home. If someone subsequently slips and injures themselves they have a legal right to sue the person who cleared the pavement.

That is an urban myth. Providing you've not done anything stupid with the snow, like built it up into a huge pile causing an obstruction or an accident, it's fine to clear the path. There are different guidelines for owners of private property where the public are likely to go, but a homeowner clearing the path outside their house is welcome by the H&S people.

www.direct.gov.uk/en/Nl1/Newsroom/DG_191868

[Louisa]

I've seen many motorists driving with their back screen completely covered in snow and their front one only cleared where the wipers have gone across.

On each and every occasion the car was being driven by an elderly person

I really would have thought that they'd be the ones being meticulously careful.
They either couldn't or wouldn't clear them.

If 'couldn't' because of physical problems it begs the question "should they be in control of a vehicle?" i221.photobucket.com/albums/dd161/GWDAdmin1/Smilies/Default/angry.gif

[JennyWrenn]

I've watched many cars in a morning driving along the road behind my house - with kids in the car too - most of windows iced up - obviously in a rush to get them to school

Now as to the snow on the roof - well I know someone who erm hasnt erm removed the snow from her car roof for a while

[MamIDdau]

I saw someone cause an accident on the A55 because they couldn't see ANYTHING out of their windscreen because it was misted up... They pulled out and cut me up on a roundabout, then turned onto the A55 and then as I pulled onto the slip road and waited for them to pull out too (because of their aforementioned poor driving), they dawdled. So I slowed down further and flashed my lights to say it was clear. The car behind me, like me, had no choice but to slow down because we couldn't pull out to overtake. Some t*t then went into the back of the car behind me (which was very stupid as they had more than enough time to brake!) and this car in front then sped off.

[JennyWrenn]

That was awful April - was it a Male Driver

[farmersboy]

Corse it was,a woman would never do a thing like that ;D

[Louisa]

;D

There are some awful women drivers.
But then, there are some awful male drivers i221.photobucket.com/albums/dd161/GWDAdmin1/Smilies/Default/wink.gif

[Barbara]

There are some AWFUL drivers ..full stop, how they if they have, got a licence gawd knows.

[aurora]

Dec 21, 2010 17:13:57 GMT MamIDdau said:

Dec 20, 2010 11:48:29 GMT aurora said:

Just goes to show how stupid insurance companies can be, as drivers have a greater risk of having an accident without snow tyres and therefore a greater risk to the insurance companies.

This is like the stupid legal issues of clearing the pavement outside your home. If someone subsequently slips and injures themselves they have a legal right to sue the person who cleared the pavement.

That is an urban myth. Providing you've not done anything stupid with the snow, like built it up into a huge pile causing an obstruction or an accident, it's fine to clear the path. There are different guidelines for owners of private property where the public are likely to go, but a homeowner clearing the path outside their house is welcome by the H&S people.

www.direct.gov.uk/en/Nl1/Newsroom/DG_191868

Many thanks for the link. Makes me feel relieved that I wont be held accountable. i221.photobucket.com/albums/dd161/GWDAdmin1/Smilies/Default/smiley.gif