Category - News

“Pay As You Go” Insurance

It’s interesting how certain individuals, groups, and organisations can dig the most bizarre meanings out of simple and honest facts if it fits in with their warped agendas.

I saw this article in the newsfeeds from This is Money, about what they call “pay as you drive” insurance. They refer specifically to the AA’s Drivesafe Box, which I commented on recently, pointing out that everyone who gets one starts off on 50 points, and this goes up or down depending on how fast you go, how sharply you turn corners, and so on.

They then add:

But drivers living in areas where there are many winding roads — such as the countryside — will have to work harder to keep a good score, as insurers view these areas as more risky.

That is total speculation. Technology is a lot smarter than many journalists – something many journalists appear to be blissfully unaware of.

Mickey Mouse Fly-fishingBut it isn’t from This is Money’s mouth that this rubbish originates. It is the Countryside Alliance [broken link] – that group “representing the countryside” – which advocates, among other things, the legalisation of tearing foxes apart with hounds for the perverted pleasures of country types, shooting anything that moves, using whippets to tear rabbits apart “to control them”, the defence of its members who illegally kill Hen Harriers (a bird of prey) because the Harrier kills Grouse (which they farm to shoot), and so on.

One can only guess at their take on Hare Coursing and Badger Baiting to “control” the populations of those particular animals.

I also seem to remember that they took up graffiti – painting slogans across roads and stuff – when the original fox-hunting ban was being pushed through. They certainly stuck a huge number of their flyers up illegally on traffic signs (you still see some of them around). And they are not particularly vocal about the blatant violation of that law by hunts around the country whose members still get their sexual kicks out of chasing and killing foxes.

So, on this current matter, they say that it is unfair to penalise people for living in rural areas!

…we are also concerned that rural roads can be tricky to drive, so this device should recognise and not penalise rural drivers unfairly.

It doesn’t. It won’t. It penalises people for driving like pillocks – you could spend 100% of your time on rural roads and still get a good rating out of the thing, even without having to change anything.

It seems like these village idiots have got it into their heads that the AA’s device, which monitors how you turn corners (among other things), actually penalises you for going round them. What it does is give you a black mark if you try and go round them on two wheels!

Now, if the Countryside Alliance’s members are wont to drive that badly – speeding and such like (which of course, we all know they aren’t) – then they deserve to pay higher insurance. But they aren’t going to get penalised just for driving on country roads or going round corners. And while we’re on the subject, I don’t recall the Countryside Alliance throwing a hissy fit over the Co-op’s Smartbox, which uses the same technology.

Mind you, assuming they have been quoted in context, the AA hasn’t helped itself – the article doesn’t quote them directly, but says that the AA “concedes rural dwellers could pay more.” I suspect there was much more to that in the interview.

These devices are aimed at boy racers. Just because they might also happen to be young farmers doesn’t make them immune to the effects of juvenile testosterone.

Warrington Driving Tests

I mentioned this initially in April last year, then again in June. Now, it seems, the trials are due to begin.

The article says that the DSA is to “reintroduce” tests to Warrington – the test centre it used to have closed down in 2008. The article also adds that it is on a “temporary basis”. It says they will run from Paddington House Hotel from March. Then it says they will run from the Orford Community Hub from June. It doesn’t mention any of the previous stories which said this was going to happen.

So what it ought to say is that Warrington is being used to trial the idea of running tests from flexible venues, as suggested 12 months ago. The first part of the trial will run from March, and the second from June.

The trial is being run in various places throughout the country – though this damages the political impact of implying that it is only Warrington, and is therefore only mentioned in passing.

According to the article:

This comes after the Department for Transport recently announced changes to the driving theory test that mean pre-published questions are no longer being used.

If anyone can see the relevance of that statement, please send your answers on a postcard to the usual address.

Bid To End Fraudulent Whiplash Claims

I think I’ve mentioned this problem somewhere previously, but our ineffective prime minister will “today pledge to end” the compensation frenzy that accompanies even near misses, these days.

I’ve fallen foul of such a false claim before. Those most likely to do it come from the Neck Brace - you callin' me a liar?dirtiest, scummiest, most desperate reaches of our society.

But they wouldn’t be able to do it without help and encouragement from another dirty and scummy part of our society – and I’m talking about the personal injury lawyers who advertise on TV and radio (and in the media generally). They’re only doing it to line their own pockets, as they apparently get paid £1,200 for even the smallest successful claim. This means that they put in as many claims as they can (you can see why they have those sharks on TV urging people to claim fraudulently), as most judges will award in favour of the claimant. Apparently, around 1,500 such claims are submitted every day – almost in line with the number of daily personal injury adverts on the TV and radio.

Doctors aren’t blameless, either. All you have to do is go and see your GP, say you were in a car crash and that your neck hurts, and that’s it: you’ve got whiplash, and you’re well on your way to getting a few hundred quid off some innocent motorist.

Over 90% of these small claims are completely fraudulent, based on lies, desperation, and incompetence. Desperation and lies from the claimant and his lawyers, incompetence from the doctor who didn’t check the injury claims properly.

As a result, insurance is 20% higher than it was before the claims became common.

According to the article, Britain is the whiplash capital of Europe, and people claim for even the most minor of bumps.

However, I am not sure what they can do. The article states that whiplash is almost impossible to disprove.

Meanwhile, if Cameron wanted to do anything other than lip sync to pre-recorded soundtracks, he would have actually done something over a year ago when he got into No. 10. These claims have done massive harm to the economy – and continue to do so.

It doesn’t need “pledges”. It needs someone to get off their arse and do something. Now. That way, people like the scammers I just saw on ITV3 offering a free iPad if you make a claim can be shut down for good.

Smoking Pot Increases Crash Risk

The Los Angeles Times appears to be trying to compete for the Statement of the Blindingly Obvious Awards this year.

It reports on a study, which concludes that people who smoke pot within a few hours of driving are nearly twice as likely to have an accident than those who are not high. How big a surprise is that, then?

Mind you, the study – carried out by Dalhousie University, in Canada – has been published in the British Medical Journal.

I wonder how much you get paid for these studies? Because I’m thinking of doing one on why people these days keep stating the bloody obvious as though no one has ever thought of it before.

Another Test Fraudster

Sarbjit Singh couldn’t speak English – only Punjabi – so he got someone else to sit his Theory Test for him.

Singh had only been in the UK for 12 months, and wanted to drive for his brother’s courier business. To his credit, Singh’s brother detected the fraud and prevented the impostor going ahead with it.

However, when Singh discovered he could take the test in Punjabi he applied again – but was arrested this time.

He was given a 6-month suspended jail sentence, and ordered to do 100 hours unpaid work. He was also “fined” £85 court costs.

Norway: Immigrant Drivers Pose Bigger Road Risk

This article from The Foreigner – an English language Norwegian news site – says that Norwegian Fjordstatistics suggest drivers from outside Norway are involved in more accidents than “domestic-born” ones.

This is the first Statement of the Blindingly Obvious I’ve seen this year. The second isn’t far behind…

A local Norwegian driving instructor of Pakistani origin says he isn’t surprised, and explains that people who come to Norway bring a completely different driving culture with them.

Apparently, the statistics show that male and female drivers from the Middle East, Africa, and Asia are more likely to have accidents in Norway.

The first thing I’d point out is that the problem isn’t confined to Norway. It happens in every country where non-native drivers mix it with the locals. The second thing is that it isn’t just Asians and Africans – British drivers unfamiliar with driving on the right are a big risk wherever they go.

In Nottingham, several years ago there was a large Irish contingent, and their standard of driving was noticeably, um… different. At the moment Nottingham has a lot of Polish and other eastern European drivers, and they can be very aggressive (especially the younger ones). Older Asian drivers – particularly around Hyson Green – are also very suspect.

I’ve been to Pakistan and I know what they drive like. My Indian pupils tell me it is the same in India. The older drivers bring that style over here, and will happily park on double yellow lines outside the Asian food stores to go inside and shop.

Hyson Green has the additional problem that many Asian taxi drivers use it as a meeting (and eating) point. As a result, they will think nothing of carrying out standard taxi manoeuvres in gridlocked traffic (i.e. U-turns, turns in the road, etc.) 5 metres away from traffic lights).

In this respect, they’re only slightly worse than native British women in 4x4s picking up their kids from school.

Going back to the article, what is amusing is that they have a photo of a clearly-British car with L-plates gaffer-taped on to it.

Crazy Police Driver

Police LightsIt just goes to show that no one is perfect – or above the law (well, maybe just a little to the side of it). This story details how a police officer in Scotland was driving to an incident involving a diesel spill – which doesn’t appear to have been an emergency from the way the wording goes (an earlier story says it was) – at speeds of up to 149mph!

The officer, Jacob Marshall, didn’t slow down as he passed a motorway slip road, and another driver pulled out to allow other traffic to merge. Marshall clipped the other driver (the earlier story says he “collided with” the other driver).

The BBC article doesn’t say what happened to the other driver (nor does the earlier story).

The judge expressed surprise that Marshall didn’t slow down “even a bit” as he approached the junction.

It’s worth pointing out that if Marshall was doing 149mph at the point where he hit the other car (the report suggests it was at least 120mph), and assuming the other car was driving at the speed limit of 70mph (he was probably going slower), then the police car would have closed in on the other car at 79mph! It’s not exactly something you’d expect, or be able to plan for if you were a normal member of the driving public.

Marshall was found guilty of the lesser charge of careless driving (down from dangerous driving, with which he was initially charged). Sentencing has been put off to allow the defence to put forward “mitigating arguments”.

It puts me in mind of the argument the advanced motoring group members like to put forward – about how they’re better drivers than anyone else (Police drivers are advanced drivers, of course).

They’re not. They’re human, like everyone else.

And even if they weren’t, all those thousands of other drivers are.

Roadworks And Utility Companies

As I mentioned in the previous article (Despatch), there was an interesting snippet at the end about proposals to give councils the power to control roadworks. Under what are called “lane rental” schemes, utility companies could be charged £2,500 per day to dig up the busiest roads at peak times.

Personally, I don’t think it goes far enough. They should be charged £5,000 an hour to dig up ANY road. That way, they might get some work done instead of pratting around for a couple of hours a day and installing traffic lights and lane restrictions which persist during rush hour, causing massive tailbacks.

The water and gas companies are easily the worst offenders.

They dig up the road, then spend a minimum of two days doing absolutely nothing. Meanwhile, the rest of us have to endure temporary lights – often three- or four-way – while the road is effectively blocked.

Once upon a time, they’d put a big metal sheet over the hole after they finished work for the day. They still could in most cases, since the hole is rarely more than about half a metre wide and maybe three or four metres long. No doubt Health & Safety issues are involved, though.

Also, once upon a time, they’d get the job finished in a couple of hours – often during the night. I can’t see what has changed to the extent that the same simple repairs now take at least a week, with working hours only between 10am and just after midday at best. Again, I suspect Health & Safety is involved – after all, if they can’t get enough people to stand around in yellow hi-vis jackets doing nothing, how on earth can a gas or water leak possibly get fixed?

Mind you, it isn’t JUST the water and gas people. This picture from Google shows what University Boulevard in Nottingham looked like. Until recently, that is.

University Boulevard, Nottingham

Even in winter, it was one of the nicest looking roads in Nottingham, with mature Lime trees lining both sides, creating an avenue with a footpath and cycle lane for the Spandex boys to ignore completely during rush hour.

But, it isn’t like that any more. Most of the trees on the left have been felled for the bloody tram extension. It has been chaos as they closed one lane of the road – and God only knows what it will be like when they start building the tramline. Anyone who has seen any of the Nottingham tram areas will know they are concrete monstrosities. You can’t have trees near the overhead lines, it seems.

Cities which have grown around tram systems are beautiful (places like Munich and Hannover spring to mind). Cities in which tram lines have grown through the city are ugly monstrosities with huge traffic problems. And they will remain so, no matter how many Mickey Mouse green awards the city in question insists on giving to itself.

Given the carbon footprint involved in building them and powering them, the tiny number of people they can carry in proportion to the number who need to travel, and the amount of extra congestion they cause for cars during peak hours, trams are the biggest “Green Herring” of all time. And especially so in Nottingham.

Would You Pass The Theory Test… Again?

It was a good job I did a little digging to get the original source of this one. Haynes – the Questionsworkshop manual people – have issued a press release where they say a survey has shown that a third of all road users reckon they would fail their theory tests if they had to take it now.

Also, 20% cannot do basic car checks, like oil, battery, and brake fluid levels. They say that 7% admit to knowing “nothing” about car maintenance. Those over 55 are most confident at maintenance.

It doesn’t say anything about the differences between men and women, though I’m sure they have that information. So I’m sure that they’d have mentioned it if it showed that women were miles better than men at these checks.

But I digress. Haynes’ MD says:

We all remember cramming the Highway Code. The problem is we don’t remember much of the Code itself. But what’s really useful about Haynes’ new version is the extra, practical advice on looking after a car or bike and handling the paperwork – and all for the same price.

So, the survey is merely supporting publicity for Haynes’ new publication. However, the MD has a point – most people DO cram. They always have. They do it for ANY test. Nothing has changed.

What first caught my attention with this story, though, was the RAC’s version of it. According to them, drivers “fear” retaking the theory test (which is certainly not what is implied by the Haynes original). But the RAC has a completely different take on what the findings mean:

[The findings} support evidence which suggests people cram the Highway Code before sitting their theory test then forget all the information shortly after.

This is utter nonsense. I have yet to see this “evidence”, which appears to amount to something Mike Penning’s daughter said one day while she was learning to drive, and which has got him making all kinds of ridiculous assertions about the driving instruction industry. The RAC should know better than to perpetuate such rubbish.

The Haynes survey simply reveals that a third of people don’t think they’d pass the theory test now. That’s all. It does not reveal any “fear”, and it does not support any idiotic ideas that the theory test somehow influences RTAs to any significant extent.

Prospective Bus Drivers Fall At First Hurdle

National Express West Midlands took on 420 drivers last year, out of 4,500 applicants. It National Express West Midlands Buseshas a further 170 vacancies – and yet it can’t fill them, even though there are so many people looking for work. Why?

It has the admirable recruitment criterion that applicants must not have ANY points on their licences.

According to the story, the industry “standard” (I think they used that word to try and suggest it is National Express who is in the wrong) is 3 points for those seeking to become drivers.

National Express throws out the application without further ado if the applicant has ANY points. It also requires candidates to take literacy and numeracy tests.

National Express West Midlands spokesman Jack Kelly said: “We are committed to developing opportunities for people in the West Midlands through Jobcentre Plus.

“As well as having a rigorous test people have to have a clean driving licence.”

Good for them. Let’s hope they aren’t forced to back down – the article also cites the case of London bus company, Abellio, who went to Poland to find drivers because they couldn’t get suitable applicants “among Britain’s 2.5 million unemployed” (again, implying that Abellio is at fault).

This is what happens when you dumb down education and don’t punish people who break the law. Eventually, being stupid becomes commonplace. I guess we’re seeing that now.

But I must confess I am seeing National Express in a much more positive light knowing that they have such high recruitment standards.