One for JD....

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runboy

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John-I read in AutoExpress last night that the insurance group for the Golf GT 130BHP TDI has just been raised 4 places. Something to do with the 150bhp TDI (don't ask me how-something to do with all being tarred with the same brush).

Do you know anything about it?

Steve - 2003 1.4SE petrol, Silver, black/black interior
 
Steve,

Perhaps we should not believe all that we read, and lets face it weather forecasters cannot predict what it’s going to be like tomorrow.

When I completed my insurance application form I explained that I was a senile old man who only drunk 10 pints a day for social reasons, and that it was surely racial prejudice that I had 5 previous speeding convictions. I had explained that although my failing eyesight made it difficult to read roads signs that I was perfectly all right up to distances of under 3 metres. In the comments box I stressed that although the crook in my neck made it visually appear as though I was constantly looking out of the drivers window, that I could in fact see part of the bonnet as well as everything approaching from the extreme right.

Anyway my exemplary background brought about an annual premium of £240 (group 10), and I will be most annoyed if this rises to £242 just because a group teenage Yuppies have started taking their Harrods hampers to work in Golf PD 130’s at speeds up to 35mph. In fact some of the lunatics are even doing 55mph on the M25. What is it all coming to ?

For certain if things get worse I shall be onto my MP – although these days you never know what you might catch.

Regards
John Disdale
 
I presume it's the ABI who set insurance groups. They must have heavy links to the government, as if insurance goes up, so does the revenue from the tax on it.....

Just being a little bit cynical......

And you sum it up there JD-£240 for a group 10 compared to my £330 for a group 6......where is the justice......

Steve - 2003 1.4SE petrol, Silver, black/black interior
 
I think age might have something to do with the proce difference here - younger drivers are reckless are dangerous - older drivers are careful and very very safe:D

Your comments appreciated on this one

MartinW
 
I know we all moan about insurance costs but I wouldn't insure me for the price I pay. Think of the cost of a medium sized smasm these days , the one I had when I was 18 probably cost £20000 to sort out. £500 per year does not seem so bad. It'll take me 40 years like that to pay it back.

Phil
 
martinw-I'll come back to you on that one-it's been talked about on here before....

Steve - 2003 1.4SE petrol, Silver, black/black interior
 
A recent survey of car accident insurance claims (although there is no such thing as an "accident" really) has shown there is the same number of claims (pro-rata) from older people (I can't remember the age range, but we're talking 80+) as there is from your typical youngster. Some young people drive like twits, some don't. They all have the capability to drive well, but choose not to. These people should be punished accordingly.

However, and it's a fact of life that old age will come to us all, that in the older generation (80+) your reaction times slow down, you physically can't move as quickly, you become muddled and confused. This causes crashes, people being run over at junctions because the driver mistook which green light was for their lane etc etc.

I've seen some diabolical driving from young people who knowingly take risks by speeding, jumping red lights etc. I've also seen many old people driving at a constant 40mph despite the fact they are on a road capable of 60mph, or past a school with a limit of 20mph. I've had them pull out on me from junctions, sit at mini-roundabouts totally confused, drive in front of police vehicles who have their blues and two on, not moving out of the way.

This is just driving standards-as for drink and drugs-well that's another story. A lot of people of ALL ages drink these days, socially, a bottle of wine with a meal at lunch time, or a few pints with mates in the evening. Look in your local paper at the court appearances and you will see it's driver from 17-70 who are convicted of driving whilst under the influence of alcohol.

Drugs are a menace that do affect the younger generation, but when we say drugs, don't forget people of all ages are on painkillers and anti-depressants which all slow reaction times dramatically.

There you go, my opinion......now do your worst with me!

Steve - 2003 1.4SE petrol, Silver, black/black interior
 
My comments were supposed to be 'tongue in cheek' - I agree with your opinions, but insurance companies seem not to. I presume their statistics show that they have less claims at certain ages. It probably dips in middle age, then tends to clinb from 70 onwards I guess. Who knows!

MartinW
 
Steve,

I’m sorry, but what all this garbage about the elderly being confused over what green lights were in their lane. This is a clear cut case of colour prejudice, and outside of that what on earth are these green lights anyway.

In terms of youngsters being quick thinking I once spent several minutes watching a bloke calculate the total of 5 items at 99 pence each, so I would not wish to be involved with such a person in a road situation which required some fast thinking brain power on their part.

Funnily enough during lunch one day with James Hunt (F1 driver in the 1970’s) I asked him what was his mental attitude when driving extremely fast, and I pointed out that on my part I found that at moderate speeds like 130mph I always had an adrenalin rush which was quite exhausting, and reckoned that I could only last a few minutes at say 180mph. Although I can longer remember his precise words he basically explained that the first necessity was to slow the brain way down, and to calculate exactly what was to be done before the event took place. He said that although his driving style was often reported as aggressive that he always felt calm and rational, and his only real excitement was the idea of winning.

It’s true of course that professional racing car drivers are a unique bunch, but within Hunt’s comments and the attributes that are being awarded to teenagers in this debate I see no link whatsoever, principally because I have witnessed on so many occasions youngsters making manoeuvres on the road which are 100% devoid of thought, skill, or planning. The only real quality that many teenagers have is an act of bravado – followed up by the hope that they might pull it off, or that nothing can go wrong. I suppose the frequent use of drugs amongst teenagers helps towards this.

I have never believed that high speed driving and safety are at opposite poles, so I am not entirely old fashioned in my thinking, however if anything is to be done properly it requires an element of good practical experience, a touch of pride, and the will power to be in full control and act rational. Personally I do not see these qualities coming from teenagers. For sure I was a hopeless driver when I was very young, although I confess I never resorted to road rage to boost my ego or impress the girlfriend.

In truth I reckon the safest drivers on the road are 30 to 40 years of age (excluding Mums with “children onboard” who clearly find it inconvenient to indicate that they are turning, or overtaking), but then again the premiums set by insurance companies probably reflect my opinion. I expect some individuals on the forum who are 39 years of age will believe that in another 10 years they will be even better drivers, but in all honesty (and from experience) this will unlikely be the case. For sure age often brings wisdom, which is not to be sneered at, but that in itself does not make for a great driver.

Regards
John Disdale
 
John,

Seriously, I must say that I am continously impressed with the time and thought you put into all your replies. Do you sleep well? How can you keep such a level head at this time at night? :D:D:D

A2 1.4Tdi SE | black | red leather | Concert | Open Sky | A2OC Stickers x2
 
Kaine,

It hardly ever matters to me whether others agree or disagree with my opinions or rantings, but I try to add some bilge to the forum to keep it ticking alone and thereby hopefully encourage others to contribute. I should not tell you really, but at one stage in my life I was so poorly educated that I could barely spell my own surname. Times have somehow changed, and these days I enjoy writing about anything.

Regards
John Disdale
 
Kaine

You are absolutely right - JD would have given Oscar Wilde a run for his money re quality/humour and sheer quantity of his writing!

I thought he would slow down after 1000 but no - nothing can stop him - and long may it continue!

Jon
 
JD-So Oscar Wilde was a fan of Donna Kebabs?. Can't stand the things myself...

martinw-I just ramble on about things in my own little world....Tesco's and so on......keeps me happy....

Steve - 2003 1.4SE petrol, Silver, black/black interior
 
NO NO NO-49p for 6 apple pies must be the best value going-Mr Kipling and his £1.19p french fancies can go whistle...

Steve - 2003 1.4SE petrol, Silver, black/black interior
 
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