Ummm, mebbe females who write off multiple cars etc aren't as prolific in the insurance world as young male hoons who write cars off and/or carry cancelled licenses?
As one of my lecturers often said, "Lies, Damned Lies and Statistics, M'boy"...
Possibly, but I suppose that's why Shannons gets so much business. They're the only one who takes personal driving history into account.
No accidents in the last 15 years, and then one this year? No big deal.
Everyone else, quadrupled my premium for my first ever accident (not even kidding); and im well out of that "25yo or under" age bracket!
And Yup, the instant you write "modified brakes" on the paperwork of course the insurance company is going to bite you in the arse for premiums - large Red Flag to any insurance company that "Hmmm - This Bloke Juuuuuust Might Be Setting His Vehicle Up For Hooning, So What Else Has Been Fiddled With?".
Honestly, (not trying to sound rude) but how much time to do you spend with the hoons of your area? I unwillingly spend a LOT.
I don't drive with them at all, but they meet at the same truck-service-station as us "Restore Old Car" guys do.
We're often all spannering the same car because, for example, one of their gearboxes fell out (not joking, 3 bellhousing bolts only, all crossthreaded.... speedbump and CRUNCH)
I honestly don't think I've ever seen a single hoon with upgraded brakes, not once.
I've seen PLENTY of cars WITH upgraded brakes, but I then see them out at Queensland Raceway on Test'N'Tune nights every time, or at Dragway Roll Racing.
If that's their logic, Insurance Idiocy proven.
Hoons rarely modify the safety equipment.
They're normally part-time track cars, a place where their insurance doesn't cover them anyway, so no bother\risk to the company.
Ponder this - If pretty well everyone else's normal factory brakes seem to do the job (at least in most cases) then why would you need to modify them?
Since we're talking modified cars here;
Because Most cars normal factory brakes AREN'T good enough for the main straight. You'll overheat your brakes on the first corner and plough into a wall at the next.
And before you suggest this isn't common, "Mum and Pop" aren't the ones fitting custom brakes.
Can't the vehicle be driven such that standard brakes/tyres/suspension et al do the job properly in the first place? And what the hell did the previous generations who are now Old Farts (holds his own hand up...) do with their "standard" vehicle parts that apparently managed to get them to the now problematic driving ages without slaughtering innocent bystanders and other road users?
Not safely no. Especially at Lakeside with the "suicide wall" at the end of one of the smaller straights.
I don't know. But I think 'older cars' were (generally, not always) slower in stock form.
Not only this, but when you DO see a..., I dunno, Dodge Charger doing an 11 second pass, you quickly notice how woeful the brakes of that era REALLY are.
And honestly not trying to start a flame war here Bwhahahahahahahaha - just exactly what part of BrizVegas do you tootle around in, where you reckon the P-platers are perfect little angels behind the wheel and the Old Farts are all the problematic drivers?
City, and about 20km each direction of it. I do just shy of 1000km a week. Partly for work, but mostly with car groups going on a drive to somewhere.
Close mate drives HR trucks, and was commenting the same thing just this weekend.
Being an ex-rider myself (from Every-Man-For-Himself-Behind-The-Wheel Land, aka Sydney no less) I can most confidently assure you it's regularly noted that the newly plastic-plated aren't anywhere near as idyllic as you've indicated.
Or at least in in any/all suburbs up here that I amble around in.
I guess Brisbane is just lucky.
We have really well behaved P platers overall.
As I said, the 'red P' first year is terrifying.
But I'd rather ride near 10 green P's than a single White Patrol with a My Family Sticker on it.