Convoluted Thinking!

Insurance for newly-qualified drivers

A certain insurance company will not insure anyone, regardless of their age, who has not held their license for less than two years. So, how does that work?

Let us say that they provide cover on the family car. An additional member of the family obtains their Spanish driving permit. It need not be an 18 year old. It could be the other mature partner, but this insurance company will not let them drive for two years. So, for two years they have not been able to put in practise what they have learned. Also, as a newly-qualified driver during this two-year period they would have had certain restrictions placed upon them, such as being limited to drive at no more than 80 kmp/h, and virtually alcohol-free.

At the end of the two-year period this insurance company actually expects to retain that same client on its books, and it will be happy to then insure the new person, who by then, without experience, can go onto the highway and drive up to 120 kmp/h, and whose blood alcohol rate could be up to 0.25 milligrams per litre of air exhaled.

The general perception is that a driver is safest as a risk when they have just recently obtained their license; are desperately concerned not to do anything to lose it; are especially concerned about their new car, and are under restrictions to help them gain in experience safely.

Insuring Jewellery

This is not strictly speaking a driving matter, but it sure is strange thinking. We held a policy of contents insurance that included certain items of jewellery that were declared at the time of applying for cover. The insurers accepted our application without asking for any further proof or description of the jewellery items. This is quite normal if the total amount that is declared is within a certain bracket, and if no one piece is valued at more than ten percent of the whole. However, much later when a thief broke into our house and stole the items of jewellery and other contents, the insurers demanded that we provided proof that such items of jewellery existed in the first place.

Such “Cowboy” insurers, who clearly didn´t know what they were doing, should have asked all the questions they needed to before taking on the risk. That´s how real insurance companies do it!

Suggestion: It might be a good idea to call your insurance agent and discuss this with them. If they are going to want proff the best time to do that is while you still have the items.

Those Slow-Down Signs

In a well-documented case, a driver was in the act of entering a major road from a minor road. He had come to a full stop at the stop sign, and when it appeared to him that the way was clear he started out to cross the road. For traffic circulating along the major road there were speed reducing signs bringing speeds down from 80 km/h to 60 km/h in view of the fact that this was a stretch of road that presented some danger.

As the driver was crossing the road along came a car that was travelling at way in excess of the 60km/h restriction, and judging by the skid marks, she was most likely travelling way in excess of the 80km/h as well. Consequently she slammed broadside into the other car. She explained her speed by saying that she was late for work. Well, now she was later.

When the police came the officer in charge took the decision that the collision was the fault of the driver who was crossing the street as he had left the stop sign. He completely ignored the evidence of the skid marks that pointed to speeding on the part of the lady motorist. The officer was Spanish, the lady driver was Spanish, and the motorist was English.

Those signs that require motorist to slow-down are there for a purpose. Consider for a moment that the vehicle that was pulling away from the stop sign was a very large truck. These vehicles move very slowly as they are put through their many gears, and especially when they are hauling very heavy loads. These are very long vehicles. I observed one such vehicle recently crossing the road from a dead stop. I counted a full nine seconds before all of him had cleared my lane. Not only did I need to reduce my speed to 60, it was necessary to reduce it further to 40km/h.

With respect to that officers reasoning, someone needs to remind him that the sign said “Stop!” It did not say, “Stay!”

More than 3,300 people lost their lives unnecessarily during 2005 on Spanish roads. Although things are getting better and the death toll is falling, it's not falling fast enough.

Please don’t overtake on two-way road systems. Save your life for those who love you.

Copyright (c) 2007 Eugene Carmichael

Copyright (c) "2007 Eugene Carmichael