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Forums > General Discussion   Shooting the breeze...

P Plate infringment

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Created by gibberjoe > 9 months ago, 29 Sep 2012
gibberjoe
SA, 956 posts
29 Sep 2012 12:50PM
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a young lad recieved a greenP dui small. so now no one will give him insurance

or do you know any company that will reinsure for this lad. ?

busterwa
3782 posts
29 Sep 2012 12:10PM
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Parent should list him and a second driver. This may cause problems with finance company

Herry
130 posts
29 Sep 2012 6:58PM
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Correct me if I'm wrong, but P platers have a zero alcohol limit behind the wheel?

Mark _australia
WA, 23709 posts
29 Sep 2012 7:42PM
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There are places that will insure anyone for a price
If he finds it hard or expensive I am sure he will have learned something.... and hopefully all his mates do also from his experience

theDoctor
NSW, 5786 posts
29 Sep 2012 9:51PM
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Insurance is a scam...

Take responsibility for your own actions

And phuck insurance...

I hit an old ladies car when trying to park once, I left her a note, which she came across as I was leaving it, bill came to 1200 bucks, she was so happy we are still good friends...
Insurance was near a grand a year with two grand excess...

Bought a new car, first ever, finance insisted I insure, kids broke into car first day of school holidays, excess, two grand and wont cover missing kite or sunnies or phone, repairs were four hundred bucks,

phuck insurance

theDoctor
NSW, 5786 posts
29 Sep 2012 9:54PM
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Oh and your p plate driver now has to catch the bus

Mark _australia
WA, 23709 posts
29 Sep 2012 7:58PM
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theDoctor said...


Insurance is a scam...

Take responsibility for your own actions

And phuck insurance...



Sweet

so if you make a minor boo-boo and hit a Lambo ($650K) and put the owner in a wheelchair for life (anything from $1mil to $20mil) u will cover that yourself?

Cool. Great advice

nick0
NSW, 510 posts
29 Sep 2012 10:23PM
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Zero alchohol for p,s ... Having a massive excess help 2 keep the price down

theDoctor
NSW, 5786 posts
29 Sep 2012 11:31PM
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Mark _australia said...
theDoctor said...


Insurance is a scam...

Take responsibility for your own actions

And phuck insurance...



Sweet

so if you make a minor boo-boo and hit a Lambo ($650K) and put the owner in a wheelchair for life (anything from $1mil to $20mil) u will cover that yourself?

Cool. Great advice





well mr paranoid douche, if my minor boo boo puts some lambo driver in a wheelchair for life, the boo boo isn't that minor is it...

besides his personal injury is covered by my registration

and again, by taking responsibility for my actions, meaning how i drive and conduct myself on the road way, the chances of the boo boo being my fault and not that of the tool driving the lambo...

Nimrod
SA, 58 posts
29 Sep 2012 11:44PM
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gibberjoe said...


a young lad recieved a greenP dui small. so now no one will give him insurance

or do you know any company that will reinsure for this lad. ?


He could do what I do. I got a beat up 4X ute for 1500 bills and insured it for third property damage only. easy to get for young guys.

Do the work on it myself and getting some handy skills.

No future in flash cars on finance. Unless you need a pussy magnet.

dusta
WA, 2940 posts
29 Sep 2012 10:42PM
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Mark _australia said...

Sweet

so if you make a minor boo-boo and hit a Lambo ($650K) and put the owner in a wheelchair for life (anything from $1mil to $20mil) u will cover that yourself?

Cool. Great advice




nah he would do what's now commonly known as "doing a luke woollard"

FlySurfer
NSW, 4460 posts
30 Sep 2012 12:54AM
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Welcome to adulthood, it only gets worse from here.
Wait until you get served!

FormulaNova
WA, 15107 posts
30 Sep 2012 6:10AM
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Nimrod said...

gibberjoe said...


a young lad recieved a greenP dui small. so now no one will give him insurance

or do you know any company that will reinsure for this lad. ?


He could do what I do. I got a beat up 4X ute for 1500 bills and insured it for third property damage only. easy to get for young guys.

Do the work on it myself and getting some handy skills.

No future in flash cars on finance. Unless you need a pussy magnet.


Hey, its good to see some sanity. It reminded me of how things were for me at that age. If I couldn't afford the insurance, I couldn't afford the car. Not that I could afford much of a car either...



cisco
QLD, 12365 posts
30 Sep 2012 12:07PM
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Nimrod said...

He could do what I do. I got a beat up 4X ute for 1500 bills and insured it for third property damage only. easy to get for young guys.

Do the work on it myself and getting some handy skills.

No future in flash cars on finance. Unless you need a pussy magnet.


I still do that and I am 62. If you are ruggedly handsome like myself and can still get it up you don't need a pussy magnet.

ok
NSW, 1089 posts
30 Sep 2012 2:45PM
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theDoctor said...


Oh and your p plate driver now has to catch the bus


Nimrod
SA, 58 posts
30 Sep 2012 2:30PM
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cisco said...

Nimrod said...

He could do what I do. I got a beat up 4X ute for 1500 bills and insured it for third property damage only. easy to get for young guys.

Do the work on it myself and getting some handy skills.

No future in flash cars on finance. Unless you need a pussy magnet.


I still do that and I am 62. If you are ruggedly handsome like myself and can still get it up you don't need a pussy magnet.





Love ya work man.

You are officially my new hero

Please don't get yourself all pussy-whiped with some skank less than half your age. Gets kinda weird.

Mark _australia
WA, 23709 posts
30 Sep 2012 1:59PM
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theDoctor said...

Mark _australia said...
theDoctor said...


Insurance is a scam...

Take responsibility for your own actions

And phuck insurance...



Sweet

so if you make a minor boo-boo and hit a Lambo ($650K) and put the owner in a wheelchair for life (anything from $1mil to $20mil) u will cover that yourself?

Cool. Great advice





well mr paranoid douche, if my minor boo boo puts some lambo driver in a wheelchair for life, the boo boo isn't that minor is it...

besides his personal injury is covered by my registration

and again, by taking responsibility for my actions, meaning how i drive and conduct myself on the road way, the chances of the boo boo being my fault and not that of the tool driving the lambo...


Wow the Doc called somebody paranoid

Anyway, ignoring the pot-kettle thing,

you do not believe in insurance, but the personal injury insurance as part of your rego you do agree with?

And you firmly believe that nothing bad will happen if you are careful? Okkaayyy

Nimrod
SA, 58 posts
30 Sep 2012 3:55PM
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^^^^^Marks right. Even if its not your fault you will still need to prove it.

If a fully insured person crashes into you, Its totally their fault and you are not insured you stand alone against their lawyers. You lose. Seen it happen.

People don't seem to realise their premiums give them access to legal assistance.

pweedas
WA, 4642 posts
30 Sep 2012 7:06PM
Thumbs Up

theDoctor said...


Insurance is a scam...

Take responsibility for your own actions

And phuck insurance...

I hit an old ladies car when trying to park once, I left her a note, which she came across as I was leaving it, bill came to 1200 bucks, she was so happy we are still good friends...
Insurance was near a grand a year with two grand excess...

Bought a new car, first ever, finance insisted I insure, kids broke into car first day of school holidays, excess, two grand and wont cover missing kite or sunnies or phone, repairs were four hundred bucks,

phuck insurance


Hey Doc!
Nobody needs comprehensive car insurance but EVERYBODY needs third party insurance.
The third party on your rego covers people damge but not property so if you run intop a little old lady and give her a blood nose and also wreck her Mercedes, the blood nose will be patched up by your rego insurance but the $50,000. to patch up the mercedes will come out of your pocket. And if you don't have $50,000 then her insurance will pay for it and chase you for the rest of your life to get it back off YOU.
It's dirt cheap, about $150 a year with a $500 excess. So any minor bingles you can fix at your own expense but anything big you can pass on to the insurance company.

Mackerel
WA, 313 posts
30 Sep 2012 7:55PM
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Agree with the above. I work in insurance as a broker and have had a young bloke that maxed himself out on the car purchase and then bought a new house shortly after as his wife was pregnant and they were settling down. Things were going well for them. On the way home from work on night a roo jumped onto the road, he swerved and hit a power transformer. $250k and a month later he was speaking to his lawyer about filing for bankruptcy. Ruined all his hard work in life so far. Guess the roo wouldn't accept liability.

Mackerel
WA, 313 posts
30 Sep 2012 8:07PM
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From a commercial standing it is even more important to be correctly insured. I had a trucking client who damaged an ore railway, fortunately it was able to be fixed in time so the loss was only about $400k. The mining company were preparing estimates for loss of earnings well into the millions. Insurance is a big, boring waste of money... Until you need it.

Cassa
WA, 1305 posts
30 Sep 2012 8:43PM
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cisco said...

Nimrod said...

He could do what I do. I got a beat up 4X ute for 1500 bills and insured it for third property damage only. easy to get for young guys.

Do the work on it myself and getting some handy skills.

No future in flash cars on finance. Unless you need a pussy magnet.


I still do that and I am 62. If you are ruggedly handsome like myself and can still get it up you don't need a pussy magnet.




You bet ya

Mark _australia
WA, 23709 posts
30 Sep 2012 9:46PM
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Mackerel said...

Agree with the above. I work in insurance as a broker and have had a young bloke that maxed himself out on the car purchase and then bought a new house shortly after as his wife was pregnant and they were settling down. Things were going well for them. On the way home from work on night a roo jumped onto the road, he swerved and hit a power transformer. $250k and a month later he was speaking to his lawyer about filing for bankruptcy. Ruined all his hard work in life so far. Guess the roo wouldn't accept liability.


No, no phuck insurance. If you truly believe, and try hard to be good, and humm kumbayyaaaaa then it will all be OK.
My Doctor told me.

Gwendy
SA, 472 posts
1 Oct 2012 12:56AM
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^^^^^^Oii Mark. Is that the Doctor doing your prostate check?
Better bring a bunch of flowers and brace yourself if it is.

Gizmo
SA, 2865 posts
1 Oct 2012 8:00AM
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So let me get this right.... a young lad chose to have a bit to much to drink, this young lad then chose to drive......His choice entirely....nobody else's.

Well then he has chosen to pay a VERY high $$$$ price for his actions, he can get insurance but it will cost him a motza, bad luck.... Lets hope he tells his story to any other people of similar age and if stops just one person not to drink and drive then its worth it.
And if any other people knew what he was doing they are also to blame for his actions.

If you don't think I'm sympathetic ....bad luck. Many years ago another lad did the same thing after a footy match he played in and drove through a STOP sign and killed mate of mine and his Dad. They didn't choose to get killed did they?

Get real 'Drinking and Driving' in this country is a major problem and there needs an attitude change in Australia.

Saffer
VIC, 4501 posts
1 Oct 2012 9:13AM
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Gizmo said...

So let me get this right.... a young lad chose to have a bit to much to drink, this young lad then chose to drive......His choice entirely....nobody else's.

Well then he has chosen to pay a VERY high $$$$ price for his actions, he can get insurance but it will cost him a motza, bad luck.... Lets hope he tells his story to any other people of similar age and if stops just one person not to drink and drive then its worth it.
And if any other people knew what he was doing they are also to blame for his actions.

If you don't think I'm sympathetic ....bad luck. Many years ago another lad did the same thing after a footy match he played in and drove through a STOP sign and killed mate of mine and his Dad. They didn't choose to get killed did they?

Get real 'Drinking and Driving' in this country is a major problem and there needs an attitude change in Australia.


+1. Its called taking responsibility for your actions. He didn't accidentally fall into a car when he'd been drinking. He chose to drive and when you make a decision like that it has consequences. P platers have zero BAC so he can't complain that he didn't know he would be over.

gibberjoe
SA, 956 posts
1 Oct 2012 9:19AM
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everyone is now playing the man. The question is which company will insure drivers who have had an infringment recorded against them ? It goes without saying that he were a fool, but then most of us are only better citizens in retrospect, we all have ghosts of the past and if we had more sence at the time of youth we may have decided to take a less youth based action.

Mark _australia
WA, 23709 posts
1 Oct 2012 8:09AM
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Gwendy said...

^^^^^^Oii Mark. Is that the Doctor doing your prostate check?
Better bring a bunch of flowers and brace yourself if it is.



I always take him flowers when I go in for my weekly check.

It is weekly isn't it fellas....?

Gwendy
SA, 472 posts
1 Oct 2012 2:00PM
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Your not "Doctor shopping" for that check are you.

Simondo
VIC, 8025 posts
2 Oct 2012 8:42PM
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Not sure about insurance, but;
it reminds of the time a few months back...
3 lanes, driving from Melbourne to Geelong, roughly 6:30pm. Everyone is on cruise control. Inside lane sets at 97 doing 92, middle lane does about 98 real speed, and outside lane is doing 103.

P platers goes past at 100-103, cop goes past at 103, pulls over the P Plater for doing stuff all... Maybe there was a bad lane change I missed... They weren't doing a speed worth copping a fine, and they weren't blocking the right hand lane any differently to the previous 20 cars...

Then again, I don't even know what P Platers can and can't do anymore! Too many rules.

GPA
WA, 2529 posts
2 Oct 2012 6:57PM
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^^^
(in WA) P-platers can do the speed limit - so 110km on the highway (100 on the FWY).

There are some restrictions around passenger numbers and midnight curfew in the first 6 months (red P-plates).

Alcohol limit is 0.0% for the whole 2yr duration of P's...



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Forums > General Discussion   Shooting the breeze...


"P Plate infringment" started by gibberjoe