SPAM This thread is for random spam!!

[Olgaline]

 

[Edmond]

 

[ileks]

Worlds lowest accident rate and a theft rate that is 1/6th of what it was just ten years ago - but massive hikes in insurance rates?

You're a mug ileks. The insurance companies are clearly raping you hard in the ass and you're defending them. The "black box" is just a whole new type of rape.

Up until 2014, on average the car insurance industry in the UK failed to make an underwriting profit for 19 years in a row.

 

[ileks]

1) First of all, since the accident rate is lower and cars cost broadly the same net of tax the per capita repair cost is unlikely to be higher than elsewhere, especially as Britain doesn't have particularly high labour costs compared to France, Germany etc.

2) Second, it's not the accident rate that actually drives premiums in the UK, its the cost of theft and damage caused by uninsured drivers, so black boxes are irrelevant to the real rises in premiums.

Thirdly, you're fucked because in the long run black boxes WILL become compulsory, off the back of the installed base. If governments tried to legislate for spies in the car it would be a vote loser, but now they'll be able to point to an installed base who've accepted it voluntarily. Once the boxes are compulsory, the penalties for any infraction will mean constant penalties, possibly even with "fines" driven by the insurance company auto-billing you, and there will be no alternative, so yes, fucked.

1) Repair bills aren't the only thing to consider. What about legal fees and payouts? Entitlement to hire cars? There are so many legalities that could increase the average payout in the UK compared to the rest of Europe.

2) If theft is significant (Scouse seems to disagree with this) then surely these things will help? Maybe not in their current state, but if they couldn't be easily removed I think they would. I accept what you say about uninsured drivers.

3) Can't really argue with that - I just think even if these become the norm making them mandatory would be too unpopular.

 

[ileks]

It's very rare for job to speak sense. I despair for the attitudes if ileks and soze, as I know they aren't alone.

If you disagree with the principle of these things, why did you get the bloody thing in the first place?

 

[soze]

Exactly unless the government made it law (which as we have seen with the ID Cards which were going to destroy privacy but did not materialise will get voted down) you will always have one insurance company who sells themselves as the ones with no black box. They can charge more for less because people will not want to be tracked. So I still think this is like the ID card panic and that they will amount to nothing like the invasion of privacy some people here think they will.

 

[Moriath]

Up until 2014, on average the car insurance industry in the UK failed to make an underwriting profit for 19 years in a row.

Cause we got so many ambulance chasers and crash for cash people that it screws everyone for a few grand if you hurt you neck a little.

Stupid american litigious society.

 

[Ch3tan]

Exactly unless the government made it law (which as we have seen with the ID Cards which were going to destroy privacy but did not materialise will get voted down) you will always have one insurance company who sells themselves as the ones with no black box. They can charge more for less because people will not want to be tracked. So I still think this is like the ID card panic and that they will amount to nothing like the invasion of privacy some people here think they will.

The I'd cards didn't amount to anything because public opinion put a stop to them, so what is your point? The Eu have ruled all new cars must have these black boxes.And the insurance industry is preparing to only offer insurance if they can access it. Where is the ability to choose?

 

[TdC]

Am I right in thinking @TdC had a Microsoft Surface at one point?

Anyway I was thinking of getting one of the old Surface RT tablets for uni to replace my laptop, since now the Surface 3 is coming out now/soon it should be a bit cheaper no? Can already get one as a student cheaper anyway. Sold un-used heavy laptop and Ps3 so its within the £200-£300 bracket which is my ideal budget.

I do and it is a fairly good thing, kit wise. I have a Surface Pro 2, 8GB ram, 256GB SSD. I actually want rid of it, although for more than your stated budget :-(

Some things: WIn8, even with the update, is imo a bit meh. Don't get me wrong: the *desktop* environment works just fine. I do not like the harsh boundary that Win8 makes between the "app" and "desktop" environments though. If there was a completely smooth integration there, the (Pro) Surface 3 would be ace. Killer app is ofc onenote, with the 3 the screen real estate is larger and the rez is higher, and the 3 version's third setting to the stand seems to finally allow decent placement on one's lap without having to have to sit like Rainman. A final niggle for me is that the Pro2 BIOS doesn't expose the full virtualisation potential of the i5 CPU, which means if you're running VM's, they're 32 bit only.

 

[Scouse]

Up until 2014, on average the car insurance industry in the UK failed to make an underwriting profit for 19 years in a row.

According to the insurance industry.

Yet, there's been a bazillion insurance startups - massively increasing since the 90's. Supermarkets are in on the act, banks are in on it, small startups, big startups. Fucking loads of them.

Amazing how many people are coming into a loss-making market eh? Unbelieveable!!


You're damn right unbelieveable. It's because they're lying.

 

[Scouse]

Exactly unless the government made it law (which as we have seen with the ID Cards which were going to destroy privacy but did not materialise will get voted down) you will always have one insurance company who sells themselves as the ones with no black box. They can charge more for less because people will not want to be tracked. So I still think this is like the ID card panic and that they will amount to nothing like the invasion of privacy some people here think they will.

EU law that they're going to be fitted as standard in a few years time doesn't enter your thinking then?

 

[Moriath]

According to the insurance industry.

Yet, there's been a bazillion insurance startups - massively increasing since the 90's. Supermarkets are in on the act, banks are in on it, small startups, big startups. Fucking loads of them.

Amazing how many people are coming into a loss-making market eh? Unbelieveable!!


You're damn right unbelieveable. It's because they're lying.

Car insurance is only one market in which they server. You can run one at a loss where house or other insurance makes your money

 

[soze]

EU law that they're going to be fitted as standard in a few years time doesn't enter your thinking then?

Given the vote tonight it did enter my thoughts but given the public's opinion about EU law and them setting the law in the UK if this is unpopular enough then the people can get it shot down like ID cards. There are other European Traffic laws that we have decided not to be a part of.

 

[Ch3tan]

So how many uk car manufacturers are there based in the uk that could ignore the ruling?

 

[Ch3tan]

And also @soze you are missing a fact here. Id cards were rejected because there was no big financial lobbying in its favour.

If the stupid digital economy bill was passed simply because of lobbying from the media industry, imagine what far richer insurance industry can do.

 

[Job]

The problem with freedom of course is it gives assholes the freedom to commit crimes and not be insta detected..they can abduct your kids and disappear into thin air or knock down your granny in a side street and get away with it...thats the price..we cant control the world without monitoring everything...so do we carry on down that road or decide that the cure is worse than the disease

No manufacturer will ignore because its sold as a safety feature..and I hate to admit it but it would be quite handy if the frickin useless mobile networks had some coverage in the areas where you might need help in a crash.

 

[fettoken]

Job. Sure you aren't somebody else, because i swear i recognize that way of reasoning from somewhere. Hmmm.

 

[old.Tohtori]

Why don't you lot go put this whole sh*t in a thread where somebody cares.

 

[Mabs]

Why don't you lot go put this whole sh*t in a thread where somebody cares.

oh noes! random spam in a random spam thread!

flee for the hills!

 

[old.Tohtori]

3 pages of discussing the same boring sh*t is hardly random.

 

[Mabs]

3 pages of discussing the same boring sh*t is hardly random.

true
theres only 1035 other pages of stuff in the post, such a massive hardship :x

 

[Ch3tan]

Such a hippo toht.

 

[fettoken]

Well, It's a shit topic tbh. UK car manufacturing, financial lobbying, insurance, i mean come on! That's not Off-topic, that's goddamn On-topic.

 

[Olgaline]

 

[Raven]

EU law that they're going to be fitted as standard in a few years time doesn't enter your thinking then?

They wont become law here.

 

[Job]

What in Morgans?
Wonder if it includes motorbikes?

 

[Scouse]

View: http://www.youtube.com/watch?v=kZQz3dbn0Pk

 

[TdC]

all the DJ's have a drop



View: https://www.youtube.com/watch?v=XCawU6BE8P8

 

[old.Tohtori]

Such a hippo toht.

Not really, the norm has always been that if you start discussing a topic in length in the random spam, then it deserves and requires its own thread.

 

[caLLous]

Whereas you like to take normal threads and turn them into random spam.