3 ms·

> whose only change in circumstance was three points on a licence I had this happen to me about 15 years ago, if by "happen to me" you mean "I committed a crim

by tom_ 3y ago

> whose only change in circumstance was three points on a licence I had this happen to me about 15 years ago, if by "happen to me" you mean "I committed a criminal offence while in control of a motor vehicle". My insurance went up by about 25% for the following 5 years, which was annoying, but I'm not sure how much attention we should pay to the opinions of a convicted criminal when it comes to the punishment for their crime. It's heartening to hear that we are clamping down on these vermin. > "...because who has got that kind of money [£4,500] in one go?" The Tesla Model Y has an RRP of £~45,000, so its owner is probably better placed to answer this question than we are.

thebruce87m 3y ago
I have a Model Y through salary sacrifice. It costs me £500/month. I do have £4,500, but not for insurance. Luckily I am covered by fleet insurance.
hypeatei 3y ago
This comment has to be rage bait right? Who takes speeding or any traffic ticket this seriously; convicted criminal, really?
- upon_drumhead 3y ago
  The majority of traffic tickets (including speeding tickets) are civil offenses and generally not considered a crime. It's not until you get into reckless driving, street racing, or similar that they move into criminal classes (misdemeanor/felony)
  - crooked-v 3y ago
    That's also part of the general racket of small-town speed traps: if there were real permanent consequences to nonsense speeding tickets, people would contest them instead of paying to make them go away.
- tom_ 3y ago
  Speeding in a motor vehicle is a criminal offence in the UK. I think the relevant section is clause 89 here: https://www.legislation.gov.uk/ukpga/1984/27/part/VI https://www.legislation.gov.uk/ukpga/1984/27/part/VI
- notacoward 3y ago
  I think there's a bit of sarcasm present in this case, but it really is a common sentiment in /r/fuckcars and similar places - and many of those folks are here as well. To them, any driver is a murderer who just hasn't succeeded yet. Really. Any hyperbole is theirs, not mine. I would not be surprised to see more comments similar to GP's, minus any sarcasm, from people with the privilege to afford housing in one of the few places where all of the driving essential to their lifestyle is done out of their sight. P.S. For those who think cherry-picking is going to win the day, try this search: murder inurl:fuckcars site:reddit.com. I'm not misrepresenting them at all.
  - tom_ 3y ago
    Once you've passed your driving test, and spent a bit of time driving on the roads, you'll change your tune!
    - notacoward 3y ago
      I've been driving for over 40 years, 300K miles or so, in multiple parts of the US and occasionally other countries, no serious mishaps and totally clean record for over half of that time. If you want to say that most drivers really suck I'll agree, but what was the point of that misguided attempt at character assassination? Read the guidelines before you reply, since you've already stepped over that line.
      - tom_ 3y ago
        Well you've got me beat in years and mileage, but I've probably driven, like, 200,000 miles, and my experience has been that people are, by and large, extremely careless when driving cars. They will happily put other people's lives at risk in order to save themselves a handful of seconds, and sometimes it doesn't even come down to that, because they were just looking at their phone and weren't really paying attention. Don't ever call them out on this though, because you'll never hear the end of it. Anyway, I don't trust any of them, and if you had any sense, you wouldn't either. But I'm not your dad, so I can't tell you what to do. Good luck out there! EDIT: you edited your reply? - or (more likely!) I am retarded and missed the last sentence first time round, sorry about that. Anyway, the so-called misguided attempt at character assassination was neither, just a bit of pointed mockery aimed at what I see as a crappy opinion. I stand by it - I think it's vaguely amusing enough to have value for the general reader, and not offensive enough to be really problematic. Page dang if you're still unhappy.
jarym 3y ago
I’ve read a fair few comments on a UK EV forum where insurers were declining to offer renewal quotes for people that claimed to have no claims and no points on their license. As to your point about RRP.. £45k isn’t cheap but it doesn’t mean the owners (who often lease) will have expected such a huge increase in premiums. I suspect a lot of the issue is due to issues getting parts post-covid which meant costs to insurers went up (since many offer hire cars while repairs are being carried out).
- martinald 3y ago
  Yeah I've seen some data from Tesla insurance claims and it's absolutely eye watering: Very expensive parts with poor/non existent inventory Limited service network Leading to huge delays in getting repairs done (many months) As such I think a lot of fairly minor claims go to "write off" territory very quickly. Tesla does need to solve this as in the UK at least it's becoming a semi-well known fact that Teslas are very difficult and expensive to insure. Much more so than the ropey build quality.
- tom_ 3y ago
  The post-COVID supply chain issues is a good point. I'd mercifully blanked the entire tedious experience until now reminded of it, but my car needed an insurance repair in 2022 (not my fault this time!): suspension bits, new wheel and tyre, some bodywork. Not at all an unusual car, nor fancy, with tens of thousands just like it on the road. Still took nearly 2 months.

by tom_ 3y ago

thebruce87m 3y ago

I have a Model Y through salary sacrifice. It costs me £500/month. I do have £4,500, but not for insurance. Luckily I am covered by fleet insurance.

hypeatei 3y ago

This comment has to be rage bait right? Who takes speeding or any traffic ticket this seriously; convicted criminal, really?

upon_drumhead 3y ago
The majority of traffic tickets (including speeding tickets) are civil offenses and generally not considered a crime. It's not until you get into reckless driving, street racing, or similar that they move into criminal classes (misdemeanor/felony)
- crooked-v 3y ago
  That's also part of the general racket of small-town speed traps: if there were real permanent consequences to nonsense speeding tickets, people would contest them instead of paying to make them go away.
tom_ 3y ago
Speeding in a motor vehicle is a criminal offence in the UK. I think the relevant section is clause 89 here: https://www.legislation.gov.uk/ukpga/1984/27/part/VI https://www.legislation.gov.uk/ukpga/1984/27/part/VI
notacoward 3y ago
I think there's a bit of sarcasm present in this case, but it really is a common sentiment in /r/fuckcars and similar places - and many of those folks are here as well. To them, any driver is a murderer who just hasn't succeeded yet. Really. Any hyperbole is theirs, not mine. I would not be surprised to see more comments similar to GP's, minus any sarcasm, from people with the privilege to afford housing in one of the few places where all of the driving essential to their lifestyle is done out of their sight. P.S. For those who think cherry-picking is going to win the day, try this search: murder inurl:fuckcars site:reddit.com. I'm not misrepresenting them at all.
- tom_ 3y ago
  Once you've passed your driving test, and spent a bit of time driving on the roads, you'll change your tune!
  - notacoward 3y ago
    I've been driving for over 40 years, 300K miles or so, in multiple parts of the US and occasionally other countries, no serious mishaps and totally clean record for over half of that time. If you want to say that most drivers really suck I'll agree, but what was the point of that misguided attempt at character assassination? Read the guidelines before you reply, since you've already stepped over that line.
    - tom_ 3y ago
      Well you've got me beat in years and mileage, but I've probably driven, like, 200,000 miles, and my experience has been that people are, by and large, extremely careless when driving cars. They will happily put other people's lives at risk in order to save themselves a handful of seconds, and sometimes it doesn't even come down to that, because they were just looking at their phone and weren't really paying attention. Don't ever call them out on this though, because you'll never hear the end of it. Anyway, I don't trust any of them, and if you had any sense, you wouldn't either. But I'm not your dad, so I can't tell you what to do. Good luck out there! EDIT: you edited your reply? - or (more likely!) I am retarded and missed the last sentence first time round, sorry about that. Anyway, the so-called misguided attempt at character assassination was neither, just a bit of pointed mockery aimed at what I see as a crappy opinion. I stand by it - I think it's vaguely amusing enough to have value for the general reader, and not offensive enough to be really problematic. Page dang if you're still unhappy.

jarym 3y ago

I’ve read a fair few comments on a UK EV forum where insurers were declining to offer renewal quotes for people that claimed to have no claims and no points on their license. As to your point about RRP.. £45k isn’t cheap but it doesn’t mean the owners (who often lease) will have expected such a huge increase in premiums. I suspect a lot of the issue is due to issues getting parts post-covid which meant costs to insurers went up (since many offer hire cars while repairs are being carried out).

martinald 3y ago
Yeah I've seen some data from Tesla insurance claims and it's absolutely eye watering: Very expensive parts with poor/non existent inventory Limited service network Leading to huge delays in getting repairs done (many months) As such I think a lot of fairly minor claims go to "write off" territory very quickly. Tesla does need to solve this as in the UK at least it's becoming a semi-well known fact that Teslas are very difficult and expensive to insure. Much more so than the ropey build quality.
tom_ 3y ago
The post-COVID supply chain issues is a good point. I'd mercifully blanked the entire tedious experience until now reminded of it, but my car needed an insurance repair in 2022 (not my fault this time!): suspension bits, new wheel and tyre, some bodywork. Not at all an unusual car, nor fancy, with tens of thousands just like it on the road. Still took nearly 2 months.