| Joined: | Sun Apr 22nd, 2012 |
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With the latest ruling regarding sex biased premiums I can see this is one step away from a similar ruling regarding ageism. Whilst certain age and sex groups have higher accident rates these would seem to be discriminatory if applied so the logical outcome is...... Flat rate insurance premium on a car model with accident penalties for drivers. In other words innocent until proven guilty.
So drivers with no accidents get a base rate insurance premium and if they have an accident then there is a multiplier adjustment to the premium. This seems very reasonable to me.
I have had no accidents in my 40 years other than two people driving into the back of my car whilst I was stationary in traffic jams!
I wondered when you would pop your head up on this one JK. Though I have to say, in my opinion I don't think the current driving ability criteria for OAP's is sufficient. I've studied this for years, and in my view OAP's should be physically tested, not simply discriminated against because of age.
The prime cause of OAP accidents are caused by a few simple issues that could easily be tested for.....leg strength, reaction time, neck turning time.
....a lot of OAP's couldn't do an emergency stop to save their lives or anyone else's. They often don't have the leg strength especially if they can barely walk. An alarming number of them have difficulty in turning their neck's...so manoeuvre mishaps become common.
....a kid or pram might come out in front....then three weeks later they decide it might be a good idea to stop.
I think for a GP to ask the OAP what day it is simply isn't good enough, so maybe the time is right for the law to require GP's to assess OAP's to some more realistic criteria, which could of corse be done in a dignified and private way at the surgery.....perhaps some kind of simulator?