Topic: Insurance cost

[rrocket]

It would. Pretty hard to argue that it isn't.
My FZ-6 had the R6 engine with a different cam profile, less plastic and cheaper brakes and suspension. It was classified as a sportbike.

But an FZ9 shouldn't cost the same as an R1.  Ever price out OEM bodywork?   

Oh I know. I think they're also looking at the type of rider likely to buy one as much as the cost of repair or replacement.

Then the FZ9 SHOULD be cheaper.  An older guy is more likely to buy an FZ9 than an R1 IMO....

[Sir Osis of Liver]

It would. Pretty hard to argue that it isn't.
My FZ-6 had the R6 engine with a different cam profile, less plastic and cheaper brakes and suspension. It was classified as a sportbike.

But an FZ9 shouldn't cost the same as an R1.  Ever price out OEM bodywork?   

Oh I know. I think they're also looking at the type of rider likely to buy one as much as the cost of repair or replacement.

Then the FZ9 SHOULD be cheaper.  An older guy is more likely to buy an FZ9 than an R1 IMO....

He's still an old guy interested in speed. And now with old guy reflexes.

He could likely get an ElectraGlide or Goldwing insured for much less.

Edit, it's actually $399 less ($2039 vs $1640)

[PJ]

  Less government is always better. 

Somalia, among other nations.  Why aren't you moving?  The free market is truly in play there.

There's a few places with pretty much no government.  If less is better, none is best.  Oddly, the highest standard of living nations have the highest amount of government regulation and intervention.

You had to stretch my point to that extreme to create a flaw in it?   The only benefit of private insurance is for bad drivers.   Government should stay out of businesses that can be run privately.

[Sir Osis of Liver]

  Less government is always better. 

Somalia, among other nations.  Why aren't you moving?  The free market is truly in play there.

There's a few places with pretty much no government.  If less is better, none is best.  Oddly, the highest standard of living nations have the highest amount of government regulation and intervention.

You had to stretch my point to that extreme to create a flaw in it?   The only benefit of private insurance is for bad drivers.   Government should stay out of businesses that can be run privately.

When's the last time you dealt with a private auto insurance policy?

A friend of mine had a minor fender bender that wasn't his fault, one that was in the space of a year. His insurance company dropped him. He couldn't get regular insurance and ended up in the Facilities group, the insurer of last resort in NB. His rate was set at $5k/year. He had an accident free history for the 10 years prior. Hardly fair or justifiable.

[rrocket]

  Government should stay out of businesses that can be run privately.

The government should stay out..unless the businesses are raping the customers.  As is the case with insurance.

Ontario is the SAFEST place to drive in North America.  Period.  Stats back it up, over and over again.

Yet our rates do not reflect this.

I'd welcome some government intervention to fix this.

[mmret]

If less is better, none is best.

I am disappointed that you of all people would utilize such a fallacy in your argument.

[rrocket]

I am disappointed that you of all people wouldn't know that this can be true.

Less trips to the dealership in the TL is better.

None at all is best!!   

[johngenx]

Doesn't insurance work better the larger the pool?  Diversifying away the risk?  Why would we have multiple insurance companies?  For something mandatory, it makes sense to put everyone in a single pool and minimize costs.  In areas with private insurance, is it truly competitive?  Feels anything but to me.

[mmret]

Doesn't insurance work better the larger the pool?  Diversifying away the risk?  Why would we have multiple insurance companies?  For something mandatory, it makes sense to put everyone in a single pool and minimize costs.  In areas with private insurance, is it truly competitive?  Feels anything but to me.

Actually I do believe that base levels of home/auto/health etc. insurance should be run as highly regulated "utilities" or quasi-SOEs.

However your "if less is better, none is best" argument by contradiction is stupid. You're painting the other side as extremists and making the implicit assertion that they do not believe in balance.

Balance is good. Too little oxygen, you die. Too much, you die. So is more or less better?

[johngenx]

However your "if less is better, none is best" argument by contradiction is stupid.

In response to the statement "less government is always better."  Also no more extreme than "any business that could be run privately should be."

[johngenx]

Suppose we only have a minute amount of government regulation, infrastructure, or whatever you call "government."  If less is always better (as per the original statement) then less than a very small amount must be better.  Therefore, zero is better.

I love those "we need less government" statements, especially when used in the context that less is always better.  Really?

[mmret]

However your "if less is better, none is best" argument by contradiction is stupid.

In response to the statement "less government is always better."  Also no more extreme than "any business that could be run privately should be."

Ah, fair enough. I didn't notice that original statement (which is a stupid one). I assumed you were responding to something more like "there should be less government in insurance [than there currently is]".

My disappointment in you has been annulled.

[Sir Osis of Liver]

I love those "we need less government" statements, especially when used in the context that less is always better.  Really?

The statement only refers to the CPP, insurance, welfare, healthcare, environmental regulations, health and safety regulations and tax revenue.

It never refers to coal, oil and gas subsidies, manufacturing subsidies, big ag subsidies, the military industrial complex, or the security apparatus.

[Triple Bob]

Can we please keep CPP out of every frickin' thread!

Christ almighty, you're like a bunch of old grannies arguing about the rations during the war.

 

[mmret]

I'll trade you two potatoes for one package of cigarettes!

[Sir Osis of Liver]

How many potatoes for a tin of Spam and maybe some Marmite? 

[rrocket]

How many potatoes for a tin of Spam and maybe some Marmite? 

Tastes awful.  Must be acquired taste.

[Sir Osis of Liver]

How many potatoes for a tin of Spam and maybe some Marmite? 

Tastes awful.  Must be acquired taste.

Can't stand it myself. 

[Snowman]

How many potatoes for a tin of Spam and maybe some Marmite? 

Tastes awful.  Must be acquired taste.

I would rather eat a pack of smokes 

[rrocket]

How many potatoes for a tin of Spam and maybe some Marmite? 

Tastes awful.  Must be acquired taste.

I would rather eat a pack of smokes 

Wouldn't that be a pack of fags?