a young lad recieved a greenP dui small. so now no one will give him insurance

or do you know any company that will reinsure for this lad. ?

Correct me if I'm wrong, but P platers have a zero alcohol limit behind the wheel?

Insurance is a scam...

Take responsibility for your own actions

And phuck insurance...

I hit an old ladies car when trying to park once, I left her a note, which she came across as I was leaving it, bill came to 1200 bucks, she was so happy we are still good friends...
Insurance was near a grand a year with two grand excess...

Bought a new car, first ever, finance insisted I insure, kids broke into car first day of school holidays, excess, two grand and wont cover missing kite or sunnies or phone, repairs were four hundred bucks,

phuck insurance

theDoctor said...


Insurance is a scam...

Take responsibility for your own actions

And phuck insurance...

Sweet

so if you make a minor boo-boo and hit a Lambo ($650K) and put the owner in a wheelchair for life (anything from $1mil to $20mil) u will cover that yourself?

Cool. Great advice

Mark _australia said...

theDoctor said...


Insurance is a scam...

Take responsibility for your own actions

And phuck insurance...

Sweet

so if you make a minor boo-boo and hit a Lambo ($650K) and put the owner in a wheelchair for life (anything from $1mil to $20mil) u will cover that yourself?

Cool. Great advice

well mr paranoid douche, if my minor boo boo puts some lambo driver in a wheelchair for life, the boo boo isn't that minor is it...

besides his personal injury is covered by my registration

and again, by taking responsibility for my actions, meaning how i drive and conduct myself on the road way, the chances of the boo boo being my fault and not that of the tool driving the lambo...

Mark _australia said...

Sweet

so if you make a minor boo-boo and hit a Lambo ($650K) and put the owner in a wheelchair for life (anything from $1mil to $20mil) u will cover that yourself?

Cool. Great advice

nah he would do what's now commonly known as "doing a luke woollard"

Nimrod said...

gibberjoe said...


a young lad recieved a greenP dui small. so now no one will give him insurance

or do you know any company that will reinsure for this lad. ?

He could do what I do. I got a beat up 4X ute for 1500 bills and insured it for third property damage only. easy to get for young guys.

Do the work on it myself and getting some handy skills.

No future in flash cars on finance. Unless you need a pussy magnet.

Hey, its good to see some sanity. It reminded me of how things were for me at that age. If I couldn't afford the insurance, I couldn't afford the car. Not that I could afford much of a car either...

theDoctor said...


Oh and your p plate driver now has to catch the bus

theDoctor said...

Mark _australia said...

theDoctor said...


Insurance is a scam...

Take responsibility for your own actions

And phuck insurance...

Sweet

so if you make a minor boo-boo and hit a Lambo ($650K) and put the owner in a wheelchair for life (anything from $1mil to $20mil) u will cover that yourself?

Cool. Great advice

well mr paranoid douche, if my minor boo boo puts some lambo driver in a wheelchair for life, the boo boo isn't that minor is it...

besides his personal injury is covered by my registration

and again, by taking responsibility for my actions, meaning how i drive and conduct myself on the road way, the chances of the boo boo being my fault and not that of the tool driving the lambo...

Wow the Doc called somebody paranoid

Anyway, ignoring the pot-kettle thing,

you do not believe in insurance, but the personal injury insurance as part of your rego you do agree with?

And you firmly believe that nothing bad will happen if you are careful? Okkaayyy

theDoctor said...


Insurance is a scam...

Take responsibility for your own actions

And phuck insurance...

I hit an old ladies car when trying to park once, I left her a note, which she came across as I was leaving it, bill came to 1200 bucks, she was so happy we are still good friends...
Insurance was near a grand a year with two grand excess...

Bought a new car, first ever, finance insisted I insure, kids broke into car first day of school holidays, excess, two grand and wont cover missing kite or sunnies or phone, repairs were four hundred bucks,

phuck insurance

Hey Doc!
Nobody needs comprehensive car insurance but EVERYBODY needs third party insurance.
The third party on your rego covers people damge but not property so if you run intop a little old lady and give her a blood nose and also wreck her Mercedes, the blood nose will be patched up by your rego insurance but the $50,000. to patch up the mercedes will come out of your pocket. And if you don't have $50,000 then her insurance will pay for it and chase you for the rest of your life to get it back off YOU.
It's dirt cheap, about $150 a year with a $500 excess. So any minor bingles you can fix at your own expense but anything big you can pass on to the insurance company.

From a commercial standing it is even more important to be correctly insured. I had a trucking client who damaged an ore railway, fortunately it was able to be fixed in time so the loss was only about $400k. The mining company were preparing estimates for loss of earnings well into the millions. Insurance is a big, boring waste of money... Until you need it.

Mackerel said...

Agree with the above. I work in insurance as a broker and have had a young bloke that maxed himself out on the car purchase and then bought a new house shortly after as his wife was pregnant and they were settling down. Things were going well for them. On the way home from work on night a roo jumped onto the road, he swerved and hit a power transformer. $250k and a month later he was speaking to his lawyer about filing for bankruptcy. Ruined all his hard work in life so far. Guess the roo wouldn't accept liability.

No, no phuck insurance. If you truly believe, and try hard to be good, and humm kumbayyaaaaa then it will all be OK.
My Doctor told me.

So let me get this right.... a young lad chose to have a bit to much to drink, this young lad then chose to drive......His choice entirely....nobody else's.

Well then he has chosen to pay a VERY high $$$$ price for his actions, he can get insurance but it will cost him a motza, bad luck.... Lets hope he tells his story to any other people of similar age and if stops just one person not to drink and drive then its worth it.
And if any other people knew what he was doing they are also to blame for his actions.

If you don't think I'm sympathetic ....bad luck. Many years ago another lad did the same thing after a footy match he played in and drove through a STOP sign and killed mate of mine and his Dad. They didn't choose to get killed did they?

Get real 'Drinking and Driving' in this country is a major problem and there needs an attitude change in Australia.

everyone is now playing the man. The question is which company will insure drivers who have had an infringment recorded against them ? It goes without saying that he were a fool, but then most of us are only better citizens in retrospect, we all have ghosts of the past and if we had more sence at the time of youth we may have decided to take a less youth based action.

Your not "Doctor shopping" for that check are you.

^^^
(in WA) P-platers can do the speed limit - so 110km on the highway (100 on the FWY).

There are some restrictions around passenger numbers and midnight curfew in the first 6 months (red P-plates).

Alcohol limit is 0.0% for the whole 2yr duration of P's...