Insurance what a piss take.

[fazersharp]

Got it, the government can keep their environment cash cow.
Low co2 transport use a fuel with a green dye in it with low tax added.
Med co2 use fuel with a blue dye
high co2 use black dye

Hmm how to police it, perhaps have a chip in the nozzle and one in the cap that will only unlock with the right one.
Hmm that wont work cause you could use the right one just to open your cap and then fill up with the cheaper one.
So you have imobilising nano particles in the fuel that means if you put the wrong one in then you cannot start it, alongside that you have the chip in the cap to prevent accidental wrong fuel filling.
SORTED     

[BBROWN1664]

Got it, the government can keep their environment cash cow.
Low co2 transport use a fuel with a green dye in it with low tax added.
Med co2 use fuel with a blue dye
high co2 use black dye

BUT.....
A high CO2 vehicle will use more fuel than a low CO2 vehicle anyway so no need to use different dyes. Just use the same fuel, pay the same amount of additional tax per litre and the higher CO2 vehicles will pay more due to buying more fuel. (unless they don't get used much in which case it makes it fairer too)

[tommyardin]

Got it, the government can keep their environment cash cow.
Low co2 transport use a fuel with a green dye in it with low tax added.
Med co2 use fuel with a blue dye
high co2 use black dye

Hmm how to police it, perhaps have a chip in the nozzle and one in the cap that will only unlock with the right one.
Hmm that wont work cause you could use the right one just to open your cap and then fill up with the cheaper one.
So you have imobilising nano particles in the fuel that means if you put the wrong one in then you cannot start it, alongside that you have the chip in the cap to prevent accidental wrong fuel filling.
SORTED   

Yeah and it's only £4.99 a litre  :'(

[crickleymal]

Insurance is a scam

Yup

As for the RFL, scrap it and add it to fuel has always been my argument.
I have a van, a car and two motorbikes at the moment. I can only drive one at a time and most of the time they don't even get parked on the road so why should I pay RFL for all 4 for 365 days a year. Add x pense to each litre of fuel based on the average miles covered by the average mpg car and anyone that buys a gas guzzler will automatically pay more so the government gets the dirty cars off the road eventually. Use it once a month, you pay proportionally.

Absolutely, my argument too.

[Graham53]

[quote author=BBROWN1664 link=topic=21801.msg253320#msg253320 date=1487763098]
Insurance is a scam

Yup

As for the RFL, scrap it and add it to fuel has always been my argument.
I have a van, a car and two motorbikes at the moment. I can only drive one at a time and most of the time they don't even get parked on the road so why should I pay RFL for all 4 for 365 days a year. Add x pense to each litre of fuel based on the average miles covered by the average mpg car and anyone that buys a gas guzzler will automatically pay more so the government gets the dirty cars off the road eventually. Use it once a month, you pay proportionally.

Absolutely, my argument too.
[/quote]
Insurance is a scam and it's legal theft !
Replacing excise duty is still not a good idea imho , firstly you will penalise less well off drivers that can only afford to drive older cars that are not as fuel efficient as newer ones or the 19yr oldstudent who has a 600 to get here there and everywhere  will probably end up paying triple what he was plus how much do you think fuel would have to rise to cover it , the govt would have to equate for the loss of revenue from multiple vehicle owners as well as the drivers that do little mileage anyway and that would mean that fuel prices would rise by more than pence, what about haulage firms already stretched by high diesel prices they would pay huge amounts more and then those costs would have to be passed on to the consumer , everything we buy now is transported somehow from its manufacturer to point of sale by road by companies that use fuel more than the average person we would all be paying more than the extra on our own fuel via dearer goods/food/everyday items
It's not that simple when you look at it beyond our own vehicles and or financial state

[Dudeofrude]

A possible to the insurance problem is to insure the person instead of the vehicle. That way you'd pay one single amount and can ride/drive whatever you like. There could be a teored system for coverage so for instance you could pay £200 a year to be covered for up to £10000 or £300 for £20000 etc etc
At fault Accidents and penalty points could give you a Black Mark on your profile and instead of raising costs would simply make it harder to gain insurance from the cheaper companies.

[Townhill]

A possible to the insurance problem is to insure the person instead of the vehicle. That way you'd pay one single amount and can ride/drive whatever you like. There could be a teored system for coverage so for instance you could pay £200 a year to be covered for up to £10000 or £300 for £20000 etc etc
At fault Accidents and penalty points could give you a Black Mark on your profile and instead of raising costs would simply make it harder to gain insurance from the cheaper companies.

That's not a bad idea I.M.H.O simply because you can only drive/ride one vehicle at a time. Which was my argument with the insurance company on a multi policy. That was another time when they were taking the piss. It really does make a mockery of everything though. Making a purchase of any kind is supposed to be a pleasurable experience. This is not so when getting annual insurance you can spend hours trying to sort. Whilst they do there best to wind you up with stupid over the top prices.

[mtread]

What about the theft element of insurance? If you've got 3 bikes and a car, they could all get stolen.

[Dudeofrude]

What about the theft element of insurance? If you've got 3 bikes and a car, they could all get stolen.

Well that's where the amount you decided to insure yourself for would come in. If you choose to only have £5000 worth of cover then you'd only get paid out for that amount. If you had 3 bikes and a car then you'd take out something like £20000 coverage.

I'm sure I've read that that do something similar in either America or Australia where you can insure yourself if your willing to put something like £15000 into a bond account?  It's only a 3rd party insurance and in the event of an accident they use your money to pay out the other party?
It's an interesting idea though, if you go all your life without having an at fault accident or a vehicle theft then it never costs you anything. Best of all the money is yours so if you decide to not have a vehicle or want to insure it elsewhere you get all your money back?

[BBROWN1664]

An alternative is used in France (and other countries like Turkey) where you insure the car/bike.

Anyone can drive it without being named and they are covered by your insurance. the advantage of being named is it lowers the excess payable in the event of a claim. Add basic insurance to petrol prices and we just buy "top up" insurance to reduce the excess would work.

[Rob]

does anybody really believe that fuel isn't a tax cash cow already ? so why not scrap vehicle tax and insurance which is just another add on ( know any poor insurance companies) and pay it all on the fuel.