Insurance (uk)

For help finding/discussion about good insurance rates.

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Re: Insurance (uk)

Postby Rambo » Sat 15.05.2021, 06:14

Saltire wrote:Scotland is different, as in so many other ways :lol:


Things are always different under a dictatorship :?
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Re: Insurance (uk)

Postby dapinky » Sat 15.05.2021, 09:38

Rambo wrote:
Saltire wrote:Scotland is different, as in so many other ways :lol:


Things are always different under a dictatorship :?


I agree with that sentiment, but at least (for now) we still have the same laws as England. (except they seem to change the ones that they can, just for the hell of 'being different'.)
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Re: Insurance (uk)

Postby Rambo » Sat 15.05.2021, 10:22

Dave - we have a different legal system in Scotland compared to England. For one, the drink driving law is different

In England it is 80 milligrammes of alcohol per 100 millilitres of blood, 35 micrograms per 100 millilitres of breath, or 107 milligrammes per 100 millilitres of urine

In Scotland it is 50 milligrammes of alcohol per 100 millilitres of blood, 22 micrograms per 100 millilitres of breath, or 67 milligrammes per 100 millilitres of urine

ie approx half (actually 5/8ths the limit in England if you were being pedantic Officer ;-) )

We also have different laws re. the purchase of booze ie you can't buy alcohol before 10am or after 10 pm which actually make it quite difficult for anyone working night shift or back shift. You'd think Herr Sturgeon had something against drinkers or anyone having a good time :?

I know it's a bit :offtopic: but I have tried to keep it car/drive related :wink:

PS and as for the CV-19 laws...... don't get me started. Even the Polis don't know :lol:
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Re: Insurance (uk)

Postby dapinky » Sat 15.05.2021, 12:23

Mark,

I don't think Scottish Laws are all the fault of Ms Sturgeon.... they have always been different (but I don't know if she was "in power" when the alcohol limits were changed a few years ago.)
When I was working, I had to go up to Scottishland a couple of times, and was always surprised by how efficient their legal system is (or appeared to be!). The big 'plus' is that PACE was never adopted, but the big 'minus' was that everything needed corroboration - even the most simple of procedures needed 2 coppers to attend and witness the event (whatever it was).

Still, we are now waaaaay :offtopic:
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Re: Insurance (uk)

Postby muley » Sat 15.05.2021, 21:11

Back on topic. Just had an online quote from Classicline :

GBP184. 5,000 miles / garaged / extra named driver / GBP 250 excess.

Not sure if this includes salvage option. Their off the bat valuation was pretty good
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Re: Insurance (uk)

Postby lotusles » Sun 16.05.2021, 18:51

Saltire wrote:Thanks, Les, that’s interesting :bowdown:

Your speeding analogy isn’t quite accurate, however. It may be that you’re offered a fixed penalty, in which case - as you say - it will be 3 points and £100. If you don’t fit the criteria for a fixed penalty - and that IS down to the local force (so Thames Valley for you and Wiltshire or Gloucestershire for me), you’ll go to court. And all magistrates (should) work to the same set of sentencing guidelines for speeding, reproduced here and in the public domain. It shouldn’t make any difference whether your court case is in Cornwall or Northumberland. NB: Scotland is different, as in so many other ways :lol:


And that's what I used to predict that i would get 3 points and a £100 fine and that's why I pleased guilty. I had no idea they intended to prosecute and a court case that i was not allowed to attend because of my initial guilty plea. My brother on benefits would have got off quite easily I guess, But alas 84 on a motorway in Avon with 6 points and a a £700 fine suggests they need the spondoolly.

And that is it my point, inconsistency with Police forces and inconsistency with insurers.
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Re: Insurance (uk)

Postby Saltire » Sun 16.05.2021, 19:47

Hi Les

I obviously don’t know the precise circumstance of your case, (or indeed your income). However, putting 2 and 2 together and making 39, I’d be very surprised if that was the penalty for 84 in a 70 limit. It would make more sense if you were in a roadworks section that was limited to 50mph at the time.

I’m also puzzled by the statement that you weren’t allowed to attend court, although, as I say, it’s difficult to comment further without knowing the precise details (and probably best not to do so on a public forum).
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Re: Insurance (uk)

Postby scotlan » Mon 17.05.2021, 14:23

muley wrote:Back on topic. Just had an online quote from Classicline :

GBP184. 5,000 miles / garaged / extra named driver / GBP 250 excess.

Not sure if this includes salvage option. Their off the bat valuation was pretty good


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I decided to go with Classicline too, similar criteria to yours. but 2,000 miles £152. Dave told me that the policies inc Salvage, breakdown inc Europe and agreed Valuation fee
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Re: Insurance (uk)

Postby lotusles » Sat 22.05.2021, 21:05

Sadly my reply didn't get posted
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Re: Insurance (uk)

Postby Rice crispy » Wed 09.06.2021, 12:28

Renewal with Adrian flux again this year, 4000 miles legal cover, window, recovery included £164 which is £30 less than last year
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