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UK diy (uk.d-i-y) For the discussion of all topics related to diy (do-it-yourself) in the UK. All levels of experience and proficency are welcome to join in to ask questions or offer solutions. |
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#41
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Magic Indicator
On 08/07/2019 13:50, Jim GM4DHJ ... wrote:
usually wumin drivers I have found turn on their indicator and drive into the side of you...I spend my life avoiding wummin drivers ..that is why the statistics for wummin drivers are so good .... I've never had an accident but see plenty in my rear view mirror! -- mailto : news {at} admac {dot} myzen {dot} co {dot} uk |
#42
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Magic Indicator
On 08/07/2019 17:23, Brian Gaff wrote:
Oh I get the four letter expletives when out sweeping my cane and almost get it in the spokes of a pavement peddler. Brian Most pavement bike riders behave as if they are blind themselves. However these days the main nuisance for pedestrians is the number of fat people who no longer have to walk because they can afford a mobility scooter. -- mailto : news {at} admac {dot} myzen {dot} co {dot} uk |
#43
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Magic Indicator
On 09/07/2019 01:08, T i m wrote:
On Mon, 8 Jul 2019 22:04:23 +0100, Steve Walker wrote: On 08/07/2019 14:52, T i m wrote: On Mon, 8 Jul 2019 13:50:14 +0100, "Jim GM4DHJ ..." wrote: snip usually wumin drivers I have found turn on their indicator and drive into the side of you...I spend my life avoiding wummin drivers ..that is why the statistics for wummin drivers are so good .... Except they are ... that's why their insurance premiums were generally lower than for men (of the same age / experience / history / profession). How good were those statistics though? Considering these people make a living from not seeming to carry any risk themselves [1], pretty good? They can't know everything though and I wonder what assumptions they make. For example, I have a car and so does my wife. Both of us are insured for both vehicles. The insurance companies have no way of knowing how much each of us individually drives, where or when, only who is the main driver of each and the total mileage for each. In our case it actually equates to all the mileage in my car and almost half the mileage in her car being me; all the rush hour driving being me; and all the complex and unfamiliar places being me, but their data would likely show a percentage for each or all my car's mileage against me and all her car's against her. Whatever way they do it, it is likely to be seriously overestimating her mileage and risk factors and seriously underestimating mine. If many couples are like this (and most that I know are), then it would skew the data quite badly, leading to the men appearing to be far more risky, when actually we are simply taking on a lot of the driving that the women are actually insured for, but are not doing. In our case they perceive her as the "safer driver" as a woman, despite my having only two claims, both non-fault, in around 750,000 miles in 34 years and her having two non-fault and one 50/50 claim (should have been non-fault, but the other driver lied) in less than 20,000 miles in 17 years! Now I don't mind paying more as I do more miles, but I do object to being considered more of a risk per mile as well! In all the families and couples I know the man tends to drive much further for work, drive at the busiest times and during the night and do virtually all the driving when both of them are in the car. As it is here. If men and women were being genuinely compared on like-for-like mileage, times, locations, etc. I'm sure the accident figures would be much more the same. But as mentioned elsewhere, with insurance Co's it also comes down to the cost (to them) of the loss and the suggestion is that women's accidents are generally lighter and so cheaper (they don't think they are racing drivers and more likely to scrape your car than write it off). shrug Cheers, T i m [1] Our car was written of by a hit-and-run (slow articulated truck) when parked at night and we were asleep in bed. Because we were fully Comp they paid up, but it went down as a 'blame claim' because there wasn't another part to claim against? Why should we have to carry any blame? I didn't claim off them the years I wasn't involved in an accident (Increased NCB isn't a claim). ;-) My wife's was hit by a bus - there were parked cars on her side of the road, so she stopped to let him through. He drove past the whole row of parked cars and then hit her. She was shocked, unable to get out of the driver's door until he moved the bus and unable to sensibly get out of the other side as she was 8 months pregnant. The bus driver then claimed that she was moving and on the wrong side of the road. The insurance companies went 50/50. My parents' cars were hit three times outside their house (on a quiet residential road). The first was a retired neighbour, taking medication and not supposed to drive, who drove down the wrong side of the road; the second was another neighbour who was an unaccompanied learner (he should have known better, he was in his 50s); the third was a milk-float turning in too sharply when passing the car - he shouldn't have been driving either, he was covering his brother's round and wasn't insured for it! SteveW |
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