Originally Posted by
dojj
i've always maintained that they should charge you a premium and then you are covered until you make a claim
once you've made a claim then after that you get charged based on your risk
all this "every year" bollocks is just a simple way to fleece money from you while no one gives a shit nowadays if you've got it or not as they do a runner if they arn't insured and even if you catch them you are still fucked as there's no one to claim the money off of and you get a fault claim against you
There is a simple approach, and always ignored because it would solve the problem. The government and their criminal buddies make far too much money from the current setup though.
Add basic "forced legal" 3rd party road risks to fuel. Everyone is covered, plain and simple. If people want further cover for other risks, that's up to them.
If the government had any honesty or integrity, it would be easy to set up bodies to control the 3rd part cover aspect and any claims. You can bet that despite who scummy the government are, they wouldnt be as keen to make payouts to dodgy claimants as much the current insurance companies are.
Of course that is another aspect. Why do insurance companies bend over backwards to throw money at dodgy claimants, yet treat honest claimants like criminals ?