Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Sunday, July 10, 2011

Do you 'ave a leecence?


Today I discovered that I’d been breaking the law for the past week. Purely by chance, I discovered that I’m only allowed to use my UAE driving licence for seven days (not three months as previously asserted by my employer), after which I completely forget how to drive in Qatar, my motor insurance ceases to be valid, and if some idiot decides to drive into the back of my rental car when I stop at a red traffic light, I’ll collect some Black Points, a massive fine, and also a very short haircut and some time in Al Slammah.

The actual rules seem to vary, dependent on who you ask. Also the phase of the moon and your grandfather’s inside-leg measurement may have some effect. But in summary:-
    GCC nationals can drive ad infinitum in Qatar with impunity.

    Expatriate holders of GCC licences may drive in Qatar for up to either two weeks or three months, depending on who you ask.

    Holders of International Driving Permits may drive in Qatar for up to six months.

    Holders of various brands of foreign driving licence may drive in Qatar for up to one week.

    BUT the moment an expatriate’s visa turns into a ‘Work’ visa, as opposed to a ‘Visit’ or ‘Business’ visa, the said expat has to obtain a Qatar driving licence.

So there I was, happily driving a rental car. But last week my visa was converted from ‘Business’ to ‘Work’ as part of the slow process of obtaining a Residence Permit, and so I came over all driving unlicensed and uninsured. The rental company was indifferent. As far as they were concerned, if I drove without insurance I’d be trapped in the country until I bought them a new car to replace the one I’d pranged. Hardly a responsible attitude, I think.

I made several phone calls and emails, explaining that there was no way I was getting into the car again until I was legal. I do not relish the prospect of attempting to explain from the comfort of a Qatar gaol cell how I’d been misled by my employer. Anyway, ignorantia legis non excusat.

So at 3pm I was given a lift up to the driver and vehicle licensing centre, where an eye-test and QAR150 later I had a temporary Qatar driving licence. Another QR150 for the motorcycle licence, because the nice lady behind the counter seemed incapable of ticking two boxes on the same form. The temporary licence is valid for three months. Once I have my Residence Permit I can upgrade to a full Qatar licence for an additional fee. I think the technical term is ‘tax’.

In summary, the licensing process was easy. But it was fraught with unnecessary concern and risk on my part, all because of the vagaries of the rules and a lackadaisical attitude of others to keeping me on the correct side of the law.

]}:-{>

Tuesday, January 18, 2011

Ensure you insure - clarification

Seabee will love this: a clarification to my previous blog post.

I now have the paperwork for my new motor insurance policy from AXA. It transpires that what I was told over the phone was, shall we say, less than 100% accurate.

Previously:
Section 1, own damage, is covered in Oman but Section 2, Third Party liability, is not covered. You can buy Third Party cover at the border, or else GCC cover at a cost of around Dh500 for the year which will cover it.

Now:
All parts of the policy are fully in force throughout the territorial limits of UAE and Oman.

Previously:
GCC cover extends insurance cover to the same as at home in the UAE throughout Oman, Bahrain, Saudi Arabia, Kuwait and Qatar.

Now, and this is quoted from page 17 of the policy handbook:
"GCC Cover. The territorial limit for section 1 is extended to include Oman, Bahrain, Saudi Arabia, Kuwait and Qatar. You will not be covered under section 2, third party liability, as this cover must be purchased separately at the border (except Oman)."

My conclusion is that before driving abroad, you should take a very careful look at your policy documents and fully understand exactly is and what is not covered. Beware, for what you get told over the phone does not necessarily match with what is written.

]}:-{>

Thursday, January 13, 2011

Ensure you insure

I thought the man in the insurance shop was winding me up. To paraphrase: “Your car insurance includes Oman cover, but it doesn’t actually cover you in Oman.”

This blog post has been subject to clarification!

The situation with motor insurance back in Europe is that it’s automatically extended when abroad, but only to the minimum required by law. Thus a Brit, driving his British-registered vehicle in France has Third Party Only cover. This protects the French public against loss, damage or injury at the hands of someone who’s not used to driving on the right. This Brit’s insurance company will, on request, issue a Green Card either for free or else for a fee. The document temporarily extends the insurance cover enjoyed at home to forn parts. (Or possibly even faun parts, if taking a Narnian road trip.) Huzzah, comprehensive insurance everywhere!

And I thought that there was a similar arrangement in the UAE regarding Oman cover. But I was wrong.

Motor insurance in the UAE usually has Oman cover thrown in. Without it, driving over the border is illegal, and this includes forays along the Hatta Road, up the Mussandam, and visiting Nahwa and Shis.

It transpires, at least for those having full insurance with Axa and Royal Sun Alliance, that Oman cover includes loss or damage to self, but not to third parties.

This bizarre situation means that I can legally drive in Oman without any protection to anyone else’s property or person. Just because my insurance company will pay to repair the Goatmobile after a prang in Muscat is of little comfort if I’ve to fork out of my own wallet for Mr Abdullah’s broken arm (or worse) and his trashed Lamborghini. Add to the mix a ‘Throw him in jail until he’s paid up’ mentality, and the situation becomes very scary indeed. Why, oh why is it permitted to drive without Third Party coverage? Weird.

Axa told me that an extension to full GCC coverage would cost around Dh500 for the year. Apparently, it’s called the Orange Card system, and provides essentially the same arrangement as the Green Card I mentioned earlier. Or buy insurance at the border and be prepared to jump through a large number of widely-spaced hoops in several countries if you ever find yourself in the unenviable position of having to make a claim.

In the light of actually receiving the paperwork from AXA, I find myself in the position of needing to make a clarification! Have a look at the next blog post.

]}:-{>

Thursday, December 30, 2010

Two little ducks

Registration number obscured to protect the guilty

The story is very familiar. Tailgated on the Emirates Road by the flashing 4x4, I move out of the left lane. The 4x4 pulls level and down goes the dark window to reveal two unbelted young male occupants. They hurl verbal abuse and make obscene gestures.

One of the disadvantages of having a easy-to-remember vanity plate on your car is that it’s, well, easy to remember. And that is how I was able to check on the Dubai police website that this particular 4x4 does not have the best record in the world. Fifty-two traffic offences since March 2010, over Dh30,000 in fines, and now the car is wanted for impounding. Yet curiously, there are no black points! Despite UAE law imposing 12 points plus a Dh1000 fine plus a 30-day confiscation for speeding at more than 60kph above the posted limit, no points have seen fit to appear. Frankly, anyone who continues to drive this offensively and doesn’t get any penalty points at all is a miracle of modern wasta. Insufficient, however, to prevent the list of offences from appearing on the internet at all.

Assuming a wave of the wasta wand doesn’t cause the fines to vanish at registration time, is the prospect of forking out Dh30,000 really going to worry someone who’s happy to spend millions on a Very Special number plate?

It is high time the traffic authorities - the RTA and traffic police - got all their ducks in a row so that “zero traffic fatalities by 2020” is even remotely achievable. May I helpfully suggest a couple of new year resolutions...?

    1.Education

    I’ve been unable to obtain any form of Highway Code for the UAE despite trying. There is clearly a need to devise and issue a rule book. This ought to be done at a federal level to ensure consistent traffic laws across the entire country. With 150 or so different nationalities all with their own ideas of what constitutes ‘correct’, different opinions inevitably cause a bunfight. All drivers should be issued with the rules when they take driver training, when they get their licences, and when they get their cars registered. Then ignorance of the law really will be no excuse.

    2. Meaningful enforcement

    Sticking cameras all over the highways can only detect speeds in excess of a posted limit or red light violations. It might provide the easiest and most lucrative solution, but almost by definition, the easiest method is the least effective. Perhaps more pullings over to discuss tailgating, speeding, driving on the breakdown lane, mobile phone use, lane discipline and seatbelts are needed, along with inspections of tyres, lights and window tints.

    3. Effective penalty points

    It occurs to me that it’s quite difficult to collect black points except by driving spectacularly badly. A driving ban only occurs after accruing 24 points, and anyway they disappear after a mere six months. I am therefore amazed to read in the news that some drivers even then somehow manage to get themselves disqualified.

    How about linking the points to the motor insurance? Someone who collects plenty of points obviously has a proven inability to stay within the rules and is therefore presumably a higher risk.

    4. Disqualification

    It’s simple really. Having driven so badly that you got yourself banned, if you’re caught behind the wheel you go to jail. Go directly to jail, do not pass ‘Go’, do not collect £200. If you can’t be trusted to stay off the road, the State can provide some assistance.


The alternative approach is to continue to permit mayhem and destruction on the Emirates’ roads. Use automated means to detect speeding and don’t chase up on the fines for up to a year. Don’t bother enforcing the wearing of seat belts; ignore drivers’ mobile phone use; disregard excessive window tints. Pay no heed to driving on the breakdown lane; overlook bald tyres and defective lights. Turn a blind eye to non-existent lane discipline; be oblivious to illegal parking. Rather like what seems to occur most of the time anyway.

And having completely removed all functions of the traffic police, it’s logical to abandon having the Force at all. Instead, the huge budget savings can be reallocated to ambulances, hospitals and funeral directors.

]}:-{>

Thursday, July 01, 2010

Best discount price, Habibi

Joy and delight! That speeding fine I incurred in Al Ain last October has suddenly dropped from Dh600 to Dh300. It’s part of Abu Dhabi government’s solution to the problem of vast numbers of unpaid traffic fines. That it’s difficult to pay a bill of Dh100,000 or more is no surprise to anyone. Apparently, so many drivers have such enormous sums owing that they can’t afford to pay. As a result, their vehicles can’t be re-registered and are therefore also uninsured. Getting these habitual offenders off the road doesn’t appear to be an option. A side effect is that one of Abu Dhabi’s revenue streams has become clogged to a mere trickle.

Time for some Drano. There’s a change of policy. Instead of the traditional no-nonsense, get-tough approach: increasing penalties for traffic violations in a futile attempt to improve driving standards, the authorities now reduce them in order to encourage payment. The punitive effect of fines is apparently less important than getting hold of the cash. It works too. Traffic police stations are now open until midnight instead of 7pm to cope with the vast numbers of motorists queuing up to avail themselves of the government’s sudden largesse.

What the government has discovered is that traffic fines are no deterrent, increasing them is no deterrent, and successfully getting recidivist motorists off the road is impossible. Fundamentally, anyone who thinks he won’t get caught, or believes he’ll have the fines quashed or reduced, or is rich enough not to give a monkey’s, is unlikely to be deterred from offending. A solution may involve the vehicle being impounded at the perpetrator’s personal inconvenience, and no you can’t have it back sooner if you pay extra money. Black Points on a licence won’t prevent anyone who’s simply going to drive while disqualified, and anyway, the camera that inspects a driver’s licence (or sobriety, come to that) has yet to be invented.

Of course, relying on ineffective but lucrative cameracentric traffic enforcement is a sovereign nation’s privilege. If, as we are repeatedly informed, bad driving causes fatalities, and if the UAE continues to accept a road death rate akin to that of east Africa; some six times Europe’s, then it’s down to each individual to drive extremely defensively. There are a lot of imbeciles out there, and some of them even have driving licences.

I’m reminded of the conflict of interest that some local authorities in the UK have experienced. Illegal parking generates fines that are dished out by enforcement officers, who are paid through income from those same fines. Effective enforcement means no illegal parking and hence no budget to pay for that enforcement. Enforcement degenerates into subterfuge. Cases occasionally pop up in the You Couldn’t Make It Up pages. Traffic wardens hiding in the bushes and pouncing on someone who stops to post a letter; the bus that gets a parking ticket when it stops at a bus stop. Authorities end up setting levels of fines high enough to discourage but not eliminate parking violations, but not so high that parking tickets get challenged rather than obediently paid. Abu Dhabi appears to be going through the process of deciding this level.

What I find particularly galling is that renting the Yaris means paying any traffic fines monthly. So last month’s inadvertent foray into illegality cost me Dh600, plus Hertz’s administration fee. If it had been the Goatmobile, I’d only have had to pay Dh300. I wonder if the discount is retroactive? Somehow I doubt it.

]}:-{>

Monday, February 01, 2010

No ID-er

Photo of the Black Beast by HDR enthusiast,

The Goat has managed to survive motorcycling in the UAE for an entire year, and considers wood to be touched. So it comes as no surprise that a visit to the Sharjah Tasjeel Auto Village was in order this week.

The insurance premium went up, despite depreciation of the machine’s value, but then went down a bit once I reminded the insurance company that a No-Claims discount was applicable. I still have Fully Comp. owing to the prodigious cost of Japanese plastic.

The test involved an inspector confirming that the VIN on the frame was the same as the VIN on the old registration card, and then checking that the lights all worked. After trying and failing to find the lights and indicator switches, he asked me to work the switchgear:

“Is the brake light working?”

“Yes.”

“Headlights?”

“Yes.”

“Indicators?”

“Yes. No. Yes. No. Yes...”

The inspector also passed comment that the bike was “too much big”, meaning that Muggins got to schlep it into the inspection area and out again some 30 seconds later. Nobody passed comment regarding the non-standard exhaust system, and I wasn’t about to point out that it was For Off-Road Use Only™. As I have previously noted, the silencer isn’t overly loud anyway. At 5000rpm it’s no louder than the stock pipe.

A couple of weekends ago I was over at the Aprilia shop in International City for an open day and brunch. Several Harley-Davidsons went on to the dynamometer. They were all extremely loud, and one with its straight-through (and apparently street-legal (yeah, right!)) pipes would have rendered me stone-deaf if I’d not been wearing ear defenders. Instead the sound merely turned my internal organs to jelly. But I digress.

So no complaints so far. I paid my Dh100 for the test, and then moved on to have the insurance document checked. At this point I was asked for a passport copy with valid visa page. I proffered my Emirates ID Card, that important document whose absence will have the Ministry of the Interior “...refuse provide its services to the relevant UAE citizens and residents who did not register...”

The man behind the counter was not interested. I asked what was wrong with the ID card; why it was not acceptable, and he said he didn’t know. This is precisely what I had anticipated, so I produced the passport photocopy.

So I wonder what has happened to:

“The grace period stipulated by the Ministry of the Interior for UAE nationals and residents to obtain and accept the ID will lapse on 22 November [2009]...”

and

“MOI’s various services provided to individuals throughout the UAE are as follows: All vehicle and driver licensing services...”

OK, so “...residents of Abu Dhabi, Dubai and Sharjah, only on temporary basis...” are excepted because the EIDA didn’t anticipate everyone rushing to get an ID card as instructed by the - erm - EIDA, and were consequently inundated. But not to accept the document that is designed to replace having to produce a passport and visa copy when it is available is, to my way of thinking, ludicrous.

Given that I only ever used my ID card to get packages off Aramex, and then only because my driving licence wasn’t immediately to hand, it occurs to me that this whole ID card fiasco is probably a waste of time, effort and money. Still, it gives me something the write about.

After handing over my passport copy with valid residence visa page, I went over to the traffic police desk. I was charged Dh130 for a new registration card. No fines. Huzzah! Another mostly satisfied customer.

]}:-{>

Wednesday, September 09, 2009

Your money for your life

Much debate is to be heard especially over on the left bank of the Pond regarding President Obama's proposed reforms to the financing of healthcare. I shall try to put aside Michael Moore’s Sicko, in which he sought to portray the British National Health Service as a charity and its French equivalent as the same but more so, and the American system as being populated solely by money grabbers who would rather see people die than pay medical insurance claims.

First, I’d like to establish that medical practitioners, including doctors, surgeons, nurses, anaesthetists and pharmacologists do a lot of college, carry out hugely difficult and responsible jobs, and deserve to be remunerated appropriately. There is no justification for paying a doctor a pittance. British general practitioners seem to do all right under the NHS system. ‘The average family doctor earning over £100,000...’ does not seem to me to be a pittance. Yet this is what we’re told is the inevitable consequence of social medicine.

Any attempt to finance healthcare within the taxation system must, we are informed, surely produce under-resourced, third-rate medical care that has barely progressed beyond leeches and amputations without anaesthesia. Witness Fox and Fiends trotting out cases where MediCare failed, and we're to infer that if the poor unfortunate had only paid for his treatment, things would have turned out better. That the individual is poor and can't afford to pay isn't discussed. Neither are cases where top-quality hospitals screwed up.

The only way to ensure a decent level of healthcare, we’re advised, is to pay for it at its point of delivery. Actually, it’s paid for up front as medical insurance, with the insurance company ultimately footing the bill.

The problem as I see it with medical insurance is that the insurance company is a commercial enterprise. And like all commercial enterprises it exists ultimately to make money. Frankly, that company which promises you a first-rate healthcare plan has absolutely no interest in any individual’s fate. Provided that on average the premiums received exceed the claims paid, the insurance company and its shareholders are happy. The year the shareholders don’t get their payouts is the year everybody’s premiums go up.

And to this end, the insurance provider gets to set a few rules, such as:

    “We won't insure you if you have any of this long list of pre-existing conditions”

    “The Insured is not covered for any pre-existing condition that he didn't declare”

    “The Insured is not covered for kidney dialysis because he didn't tell us he had his tonsils out 30 years ago”

    “The Insured has to pay the first $2000 per year”

    “The Insured has to pay 20% of each and every claim”

    “The Insured is not covered for the consequences of HIV/AIDS howsoever caused”

    “The Insured is too fat/has diabetes/suffers from spina bifida/is haemophiliac and is therefore not covered”


So what do you do if you have some medical condition that is treatable but expensive? Go broke or die.

I did a little on-line research. I was offered medical insurance in Virginia at rates ranging from $170 to $294 per month, with various conditions and copayments. As these are the advertised rates gleaned off the Interwebs, I suspect that the actual amount spent by Muggins would creep up.

Compare these rates with the British National Health Service, whose current annual budget is around £90 billion. That means a monthly cost of around £200 ($320) per taxpayer, or £125 ($200) per person living in the UK. And this compares I think rather favourably with the above American insurance quotes. Particularly when you consider that there’s no pre-existing condition exclusion, no copayment, no consultation fees and no annual deductible. And it includes dental and (if you live in Scotland or Wales) prescription medication.

The NHS is not answerable to any shareholders. All the income can be directed at healthcare, without an annual rake-off given to people who are essentially profiting from the victims of illness or injury.

I guess the concern and alarm being expressed in the States is based on the difference between every individual paying the same number of dollars for medical insurance, versus taxation-based funding where the rich pay more and the poor pay less.

Where the NHS system goes wrong is when a particular specialist works part time for the NHS and in his private practice the rest of the time. My uncle was incensed to learn that he’d have to wait for over six months for his new titanium knee, yet if he were to go private – that is, to pay many thousands of pounds in cash immediately, that same consultant would carry out the same procedure in the same hospital within the week. The waiting list for NHS treatment was being caused in part by the consultant busily using the facilities for private jobs.

I think a doctor should either work in a private practice, funded by client payment or insurance, or the doctor should be salaried and work exclusively for the NHS.

That said, I have never personally experienced any delay in medical treatment. Perhaps I've just been lucky.

A final thought. My medical cover is a company insurance scheme and is fairly comprehensive with only a Dh50 deductible per visit. What I object to isn't paying the Dh50. Neither is it having the premium paid whether or not I make a claim. I object having to argue with the clinic, and potentially with the insurance company, about whether or not my condition is covered. Surely how poorly I am and what constitutes appropriate treatment is best decided by a doctor, not an accountant. If I’m ill, I just want to get better, not argue the toss from my sick bed.

]}:-{>

Friday, May 15, 2009

Twenty years in the saddle - Part II

At the end of Part One, I was safely back in the UK with my GS650, and hard at work studying Civil Engineering. Except for Tuesday nights of course, when PPMCC’s worshippers of the Reckless Right Wrist were allowed out unsupervised.

Back to a Kwak

Thanks to six months of salaried sandwich course industrial training, the Suzuki GS650 was traded in for a Kawasaki GT750 in 1984. Once again a shaftie, only this time with a huge fuel tank and no fairing. The much-used panniers found their way on to this machine too. Incidentally, the much-ridiculed leather trousers are featured in the photo.

My GT750 was on the whole excellent apart from a warranty issue that required a new cylinder head. There was apparently a batch of dodgy cylinder heads whose valve seats had been inadvertently made of Japanese liquorice. While that was being fitted, I borrowed a Honda VT500 to tour Europe with a friend on his GPz750, and we followed the motorcycle endurance-racing circus. I think it was on a motorway in Belgium when my luggage slipped and immolated itself on the exhaust pipe. I was reduced to using a black bin-liner for waterproofing as all my wet-weather clothes had given themselves a Viking funeral. Belgium, man. Belgium! One weekend we were at the Nürburgring Eight-Hour race, and a week later at the Circuit Paul Rockhard for the Bol d’Or vingt-quatre heures.

Biker behaving badly

‘Shadowfax’, the GT750, did some motorcycle courier work over the summer and autumn of 1985. Having graduated with an honours degree in Civil Engineering, gainful employment was not to be had, and dispatch riding paid marginally better than being on the dole. Six years into my motorcycling career I received my first speeding ticket. I remember it well: 86.8mph in a 70 zone that cost me £35 The policeman didn’t see fit to pull over the Renault 5 Gordini that I’d been following. Serves me right for not checking my mirrors enough. Clearly I hadn’t got the message, getting caught at 110mph a year later on the A3(M) and fined a whopping £120. Yowch! What made this worse was the protracted ribbing I received from my friends. Playing Iron Maiden’s ‘Hallowed Be Thy Name’ the morning of the court appearance was really appreciated. Thanks guys.

During this period I couldn’t understand why my Dunlop Arrowmax tyres which had been really grippy seemed to have deteriorated. Until one day I was going around a greasy and diesel-slicked Charles Church roundabout in Plymouth in the pouring rain and one of the footrests touched the ground. Ah, cranked over at 45 degrees in the wet and still not sliding. Those Dunlops were good. The lesson was nevertheless to slow down a bit. That close to the edge was probably asking for trouble, something that motorbikes are fully capable of delivering in spades.

That same bike went to the south of Spain and back two-up in 1986. “Never again,” was one comment from my pillion, and “Ouch my bottom.” Even the comfiest bike seat becomes uncomfortable when you do over 1100 miles in under 20 hours. I very much doubt that I could repeat that feat of endurance no matter how much café solo and/or Red Bull I consumed.

Another regular pillion was my mother. Astounding, or what? She had every confidence in me, although I was required to keep the speed down and cranking the bike hard over in corners was a definite no-no.

Naughty Ninja

I traded the GT750 in October 1987. In another ‘Paths of Wrongtiousness’ moment, I bought a used 900 Ninja: a GPz900R, along with matching racing leathers and a new helmet. Chuffed to bits with this amazing machine, I was gutted when some prune in a Peugeot sent it flying two days later in a hit-and-run. The bike was parked and the perp left the scene leaving his radiator grille behind. But what a machine! Immense power; a real 150mph missile, and precision handling even if the Automatic Variable Damping System never worked properly. Why they couldn’t simply call it ‘anti-dive’ is beyond me.

I came a cropper on the Ninja the following summer. Not paying attention, I realised way too late that the car in front on the open rural road somewhere in northern France was burbling along at about 15mph. I grabbed a massive handful of front brake, locked the 16-inch wheel and went skating down the asphalt into the back of the car. The Krauser panniers saved the bike from major damage, and my racing leathers ensured that I stood up without a scratch. L’automobiliste français and le pillock motard anglais exchanged details, I kicked the bike straight at a little workshop, and I was soon on my way again.

About thirty miles down the road it occurred to me that I’d left my passport, money and return ferry ticket at the little workshop. By the time I got back the place was locked and there was a sign on the door advising that the proprietor had gone en vacances for a fortnight. Should I call the police? How about breaking in and grabbing my stuff, which I could see through the window? I decided to call the authorities. I rang the doorbell of one of the row of terraced houses opposite the workshop and explained the problem in my rudimentary French to the little old lady who answered the door. It turned out that she was the proprietor’s mother, and went and fetched the key. At last some good luck!

The rest of that particular holiday passed without incident apart from when I had my camera, passport, ferry ticket and cash nicked out of my friends’ rental car in the car park at Puerto Banus. My feelings were spherical and in the plural.

During a different holiday in 1993, my girlfriend at the time and I had agreed to meet someone in Paris. GF had earlier that year passed her bike test and was the owner of a Honda CBR600F. While we waited at la Place de la Concorde wearing our precisely matching leathers, an elderly gentleman approached. “I like your bike gear,” he announced in a thick accent. “Red, vhite, und bleck. Exectly ze same colours as ze old Tcherman fleg…

The ideal machine

Despite the obvious charms of the 900R, I was never entirely happy with chain drive. Modern, sealed-for-life O-ring roller chains are good, but despite the additional weight, complexity and power loss I still prefer the cleanliness of a maintenance-free shaft. Thus early in 1989 a decent part-exchange offer created the conditions necessary for my next motorbike. I bought a 1000 GTR, yet another Kawasaki. This one came with factory-fitted hard luggage and huge barn-door fairing as well as Kawasaki’s tried and tested Ninja engine bored out to 997cc. At 110 horsepower this may not have been the most powerful bike to date – that accolade goes to the 900R - but it nevertheless went very well indeed with more power than I ever found it necessary to use. The GTR ended up being called ‘Idris’. It had become fashionable among some of my motorcycling buddies to name our motorcycles after dragons. The 900R was called ‘Smaug’ after the dragon in The Hobbit; ‘Idris’, as everyone over a Certain Age will recall, lived in the firebox of Ivor the Engine.

Any motorbike is inevitably a compromise, but the GTR was the closest I had yet found to my own personal ideal machine. The luggage was cavernous, the fuel tank an enormous 28 litres, and the fairing effective at keeping bad weather off. It was a tall and heavy machine though, and needed to be treated with care especially at low speed. In the eleven years I owned it, I never dropped or crashed the GTR. Clearly as my bag of luck was emptying the corresponding bag of experience was filling.

Idris went to northern Scotland, west Wales, all over France, Benelux and Germany, although it never got to Spain or Italy. I only got caught speeding once on the GTR. At 98mph it cost £35, the cost of a fixed-penalty way back in 1993. The policeman said he reckoned that I’d been doing in excess of 120mph (a likely tale) but he couldn’t get close enough for an accurate measurement until I slowed down. He also said that he’d have let me off if he’s been alone; as it was, 98mph was an invented figure just below the magic ton that would have involved a court appearance and disqualification. “I see. Thank you, Officer.”

Motorcycle clubs

A local chapter of the Institute of Advanced Motorists enabled me to pass the advanced motorcycle test. Training involved a series of rides with a volunteer observer. The test comprised a thirty-mile ride on lots of different roads, being followed and examined by an off-duty copper. Apart from getting an IAM ticket, the group offered social rideouts on Sunday mornings, treasure hunts, and similar bike club activities. Hopefully this crowd would be a somewhat calming influence! Promises about cheaper insurance because of passing the advanced test turned out to apply only to policies that cost more in the first place. As usual.

As a result of the IAM group, I also joined the Kawasaki GT Club, which provided yet more excuses for camping weekends and long-distance rides. Being a member of the Motorcycle Action Group (MAG) as well meant that I got involved with yet more socials and charity rides. The local MAG group considered me something of a Captain Sensible for reasons that in retrospect now seem unclear.

My original inadvertently fetishy jeans had long since gone the way of old clothes – into Fancy Dress along with that daft studded belt, and my original leather jacket was stolen one evening in a pub. I’d been using the one-piece racing leathers, but ‘exectly ze same colours as ze old Tcherman fleg’ didn’t match the GTR’s rather more sober colour scheme. In May 1996 at the BMF Rally where I was manning the KGT stand, I bought a two-piece black-leather touring suit, with plenty of armour and ‘Farmer John’ trousers that zipped to the jacket. It was brilliant. I wore it twice before parking the bike in my garage, locking the door of the house and jumping aboard a Doha-bound plane.

Between bikes

The GTR was swapped for a disappointing wad of cash in late 1999 when it became apparent that I wasn’t permanently returning to the UK any time soon, if indeed at all. I had planned to get 120,000 miles on the clock and then sell it as ‘low mileage but tatty’. However, circumstances dictated that the machine went at ninety-something thousand miles.

The departure of Idris saw what might have been the end of my motorcycling career. In Doha I toyed with the idea of having a bike, but such aspirations were rejected on the grounds of temperature, humidity, and every spare waking moment being fully absorbed with scuba diving or the Doha Players. Moreover, there seemed to be no motorbike culture in Qatar. How would I obtain spares such as tyres, brake pads and oil filters? “Not coming in Doha, sir. Have you tried Dubai?” Nevertheless, riding a motorbike was something that I missed a lot.

A couple of years ago I was contacted by an old friend in the UK who was seeking advice on starting to ride. Of course all of my knowledge and expertise was woefully out of date. UK motorcycle licensing has become a lot more complicated than when I did my basic training back in the early 1980s. But the gleeful stories of the fun my friend was having got me looking into bikes again. I checked out the BMWs and Harley-Davidsons on Sheikh Zayed Road, but ultimately decided to give motorbikes a miss on the grounds of cost.

Present and correct

A year later I was flicking through the Gulf News small ads while waiting for the Goatmobile to be serviced, and I noticed that Kawasaki’s new 1400 GTR was now available and indeed affordable. Checking for realistically priced insurance, obtaining consent from Beloved Wife and procuring appropriate gear I covered in a previous blog post, so I’ll not repeat myself here. Suffice to say that the final price was even better than the budget I had in mind. Not that any of my old bike gear would have fitted me anyway, I was disappointed to learn that all my leathers had somehow grown legs and run away whilst in storage in the UK. The new stuff is a lot lighter weight to cope with the hot climate, and has rather more body armour than my old stuff. There has been a marked improvement over recent years in the quality and quantity of armour now available in mainstream motorcycle apparel.

I’ve really enjoyed my first three months back on two wheels. ‘Born-Again Biker Syndrome’ is a known phenomenon where a middle-aged ex-motorcyclist gets back in the saddle and is extremely surprised (in a bent metal and broken bones sort of way) by the phenomenal power, weight and traffic differences from the Olden Days. I am at least aware of the phenomenon, and awareness is fundamental to avoidance.

It is also interesting how much I’ve slowed down since mis-spending my youth. “The older I get, the faster I was” as the ancient scrolls say. There’s nothing wrong with the bike. It’s very much at the sports end of sports-tourer, with decent suspension, huge grippy tyres and an incredible motor. My continuing inability to throw it around corners with my knee on the ground and the footrests throwing up sparks is entirely in my head. I have become what might be described as ‘sensible’. Or possibly ‘a boring old fart’. One thing is for sure: I am not one of the ‘Fast Old Gits’.

As June approaches, the weather is now getting too hot for biking, even while wearing hot-weather gear. My previous experience, which has included falling off and bouncing up the road, has taught me that not wearing proper protective gear is for idiots. I am an ATGATT biker.

Upon reviewing my text, it seems to read like a litany of crashing and getting nicked. Three speeding tickets in sixteen years of regular riding doesn’t seem excessive to me. The last time I was even stopped by the police while riding my bike was in 1993. No, I tell a lie: it was 1994 when I, like absolutely every other motorcyclist in the area that summer’s evening, was pulled over on suspicion of riding with intent to visit a public house. As for prangs, I seem to have learned my lesson since the 1988 incident in France. Since then I had eight years of regular riding without even dropping a bike. Part of the incentive is my pain threshold, another factor is the prodigious expense of replacing all that plastic. Half of my bike crashes resulted from the idiocy of car drivers and were perhaps unavoidable from my point of view. SMIDSY, therefore ATGATT. The other half were of course caused by the nut holding the handlebars.

The bike is going under a dust sheet in the next week or two. It can hibernate in the back garden until September or October when the weather decides to cool off.

Incidentally I still need a name for the machine. ‘Connie’ is what the Americans all call it because the bike is a Concours 14 over in the States. ‘The Black Beast of Aaarrgh!’ is Pythonesque. How about ‘Goatmobile II’?

]}:-{>

Twenty years in the saddle - Part I

Well… nineteen, actually, plus a gap of around ten years. I’ve split the story into instalments because it goes on and on. I’m amazed what I’ve been able to drag out of archive memory without referring to any old paperwork.

Two wheels good; engine better

I suppose my interest in motorbikes started in about 1971. Living in Portsmouth at the time, my father was in charge of the Royal Marines motorcycle display team, so he’d been into bikes for many years. He gave them up for a while when my parents got together. I also have a distant memory of riding around the block on the pillion of my grandad’s Lambretta LD150 (the posh one with shaft drive and electric start). Grandad never owned or drove a car in his life. It was either the Lambretta or some railway locomotive or other.

My motorcycling career really took off when I was fifteen. I borrowed my German penfriend’s moped whilst on an exchange visit and proceeded to burn around the streets of Wendlingen am Neckar at this dismal vehicle’s top speed of 30kph. Meanwhile, my demobbed father had landed a job co-ordinating a new motorcycle training scheme; a job that came with a company bike. They wanted to give him a Suzuki X7, a two-stroke twin with a power band the width of a gnat’s tackle, but he insisted on having a proper motorcycle.

Thus upon my return from Germany there was a gleaming Honda 550-4 in the garage. I had never experienced the thrill of so much acceleration until the first time I rode on the pillion of this monster.

Dad suggested that perhaps I should resurrect my grandad’s Lambretta. After having a puncture and falling off some time in the very early 1970s my grandad never rode the scooter again. We hauled this ancient 1957 beast home in a trailer in 1978, and I spent a futile summer trying and failing to get it to run. Eventually I sold it for £15 to someone running a scooter museum, where as far as I know it is to this day. LCH 372; if you spot it please let me know.

By the time I’d turned sixteen, I’d already done the Star Rider Bronze course. This was a four hour session in a school car park one Saturday morning, riding around and between road cones, practising starts and stops, and generally learning basic machine handling before being allowed out on the Queen’s highway. At that time, it was possible to turn up at a motorbike shop with a provisional licence and insurance, and after crossing the dealer’s palm with silver and slapping a couple of ‘L’ plates on the machine of choice (up to a 250cc for those aged seventeen or more, eeek!) it was typical for a newbie to go wobbling off into the rush hour traffic. How times have changed.

Anyway, I had no money so I didn’t rush out and buy a moped. Aged sixteen, the only available option is 50cc. I occasionally borrowed my mother’s exceptionally feminine Puch Maxi, which I proceeded to thrash mercilessly at its top speed of 30mph. Downhill with a following hurricane I once saw 36mph on the clock. Oooh! Even a moped was a vast improvement over pedal power. Plymouth is mostly hilly, and not having to pedal was a new-found delight.

My first bike

As my seventeenth birthday approached, it was time for a proper motorbike. I’d been working furiously at weekends and evenings, and was thus able to find the necessary £400 for a used Kawasaki Z200 plus insurance. As my father sternly pointed out, “This is a real motorbike. You can kill yourself on one of these.”

Formal training was of course compulsory. Having made a realistic assessment of the British climate I went out and bought a decent waterproof two-piece suit, gloves and boots. The helmet was my father’s spare that I’d been using when riding the moped. Meanwhile Dad’s CB550-4 disappeared when he changed jobs, being replaced with a Honda CX500.

On went the self-adhesive ‘L’ plates, and I hit the road on my seventeenth birthday. It was a Sunday, and I had to go and work my shift in a petrol station. After the moped, the power was astonishing. Eighteen Japanese horses lurked in that little single-cylinder engine and, as I subsequently discovered, gave the tiny Kwak a top speed of almost 80mph. Later that afternoon, my father got his black Honda out and we spent the rest of the day riding around the Dartmoor lanes, with frequent stops where I was lectured on correct techniques. Eight days later the ‘L’ plates came off. I passed the driving test first time, woohoo! And that afternoon I rode off across Dartmoor with a pillion passenger for the first time.

Of course, passing the test is only one small step. My inevitable first giant leap came a few months later. I had already learned that loose gravel was nasty to ride on, so having gone into a gravel-strewn corner way too fast, I chose an escape route up an earth bank. The bike flew off in one direction and landed in a gorse bush. My soft landing was provided by the putrefying carcass of a long-dead sheep. Humble pie all round. I rode home and confessed, in a display of embarrassment never before seen. This was the first and only time I ever dropped the Z200.

Cornish nasty

It was lucky Friday 13th when I passed my car test a few months later. Car insurance was prohibitively expensive, but on this auspicious day I upgraded to a Kawasaki Z400. As it turned out, the Z400 had a number of electrical issues. It consumed headlight bulbs because the voltage regulator was duff, although I didn’t realise this at the time. I had also learned that constantly lubricating and adjusting the chain was a permanent pest. My father’s shaft-drive Honda had none of these woes, so when I was offered an interest-free loan to buy my own CX500 I jumped at the chance. I totalled that bike three months and 3000 miles later when I had a head-on collision with a Ford Capri that I met halfway round a bend in a Cornish village. As the car was completely on the wrong side of the road, the driver was done for Driving Without Due Care and Attention and fined £25. No that is not a typo: Twenty-five quid. I got up unscathed, although my jacket needed some TLC with silver gaffer tape to restore its waterproofing. I subsequently bought a leather jacket, much to Dad’s disapproval. He passed snide comments relating to sexuality and fetishism.

Speaking of which, when I answered a small ad to buy some leather motorcycling trousers, it turned out that the seller had gone to strenuous effort augmenting the belt with huge numbers of chrome studs. He said that he was selling the jeans on behalf of his friend, whom I suspected of being named Dorothy. Much uric extraction was undertaken by my alleged mates. After a brief appearance in a very low-budget post-apocalyptic movie (but that’s another, completely different story), the belt was demoted to Fancy Dress.

PPMCC

I borrowed my father’s almost identical machine for a couple of months while my own was repaired at the expense of Captain Capri, and went off to Portsmouth Poly. Here, I met the Portsmouth Polytechnic Motorcycle Club, a likeable bunch of high-speed hooligans who rather led me Yea, Unto The Paths of Wrongtiousness. A thrash out to some distant rural Hampshire pub every Tuesday evening was in order, along with weekend treasure hunts and bike servicing and repairs in the club’s lock-up garage, whose extensive facilities comprised, erm, one damp concrete floor and a couple of moribund bikes that could be illicitly scavenged for spares. At one point we’d even devised a street-racing circuit around Southsea. In hindsight, having an unofficial racetrack that went past a police station and the law courts was perhaps not the wisest move ever made…

In due course, my own bike was repaired, I stuck a full fairing and a pair of Rickman Alpine fiberglass panniers on it in addition to the top box. I could almost match a Ford Transit in luggage-carrying capacity. One of my friends speculated on what would happen if I fell off: “Newsflash! A motorcycle shed its load on the M27 motorway earlier today blocking both carriageways…

The motorcycle club made a point of attending race meetings, bike shows, bike rallies and at the end of the academic year, Racing School. This last item is why I fell off someone else’s bike at Brands Hatch. The following year I resolved to ‘ride it like I’d stole it’ and did rather better. At the 1982 University of East Anglia bike rally, I received a prestigious award on account of all my hard luggage. Everyone had a jolly good laugh at my expense; no-one else from PPMCC won a thing. I still have the UEA-82 badge somewhere.

The club also owned an ancient and battered Yamaha TY175 trials bike. This was regularly trailered along to some local chalk pit and horribly abused by the club members. Here is where I really discovered that I don’t like riding bikes off road. Wet chalk is the slipperiest substance known to man, snake oil excepted.

Teaching and learning

The following summer I trained to become a motorcycle instructor under the Star Rider scheme. I figured that learning how to teach might improve my own riding skills. Any and all promises that this would lead to cheaper insurance turned out to be as empty as a hermit’s address book. The only companies that would offer a discount charged rather more in the first place. Nevertheless, teaching complete newbies basic machine control in the relative safety of a traffic-free school yard made me a tiny amount of pin-money and maybe saved a few lives.

I was actually very happy with the Honda, despite its questionable handling and high centre of gravity. If the bike were as useless as its many detractors claimed, why were there so many CX500 ‘Plastic Maggots’ around? A point of criticism was the machine’s amazing appetite for rear tyres. I typically got 3000 miles out of a back tyre before it looked like Yul Brynner’s head, and this was with normal road tyres too. Later more powerful bikes have always been more economical - for a given value of ‘economical’ – with rubber.

It was around this time that I bought a full-face helmet. One winter’s day I was caught in a hailstorm, and had my face pounded by stinging ice. Never again. Despite any purported advantages of an open-face helmet, this one disadvantage continues to outweigh them all. I’ve stuck with full-face lids ever since.

Three years and 40,000 miles later, my CX500 died a violent death in the side of a Mini Clubman. On a dead-straight road, oncoming car turns right across path of motorcycle, and rider takes impromptu flying lesson. A little old lady with hot sweet tea got to the crash site first, shortly followed by the Devon and Cornwall Constabulary, and then a breakdown truck so I could get home. I was, incredibly, completely uninjured. Some boot polish sorted out my scuffed leathers. Ms Mini was convicted of Reckless Driving, a much more serious offence than Without Due Care, and fined £50. Her insurance company finally coughed up for my written-off machine after a protracted battle based on the well-known legal principle of “It must have been your fault because you were riding a motorbike.”

Team Thrasher Tours

Over the summer I was on the lookout for replacement transport. A contingent of PPMCC styling itself ‘Team Thrasher’ was off to the south of France that September and this trip was on my ‘to do’ list. I settled on a Suzuki GS650GT, another bike with shaft drive and a full fairing to which I added the panniers rescued from the defunct Honda. The Suzuki proved comfortable and reliable, but as a tourer it was let down by a minuscule fuel tank. Nine people on five bikes rode the length of France and back again in just under two weeks. The most significant run-in with the Police involved some pop group we saw in Dijon (where the mustard comes from) fronted by one Gordon Sumner and supported by A Flock of Seagulls (if anybody remembers them…)

Apart from accidentally parking the bike sideways on the prone body of one of my mates in a fit of incompetence, I dropped the Suzuki only once. Actually, I highsided it while exiting a roundabout just north of Portsmouth. It was a Tuesday night, too, and consequently right in front of the entire motorcycle club. My pillion passenger was unsurprisingly less than impressed. We were both unhurt, and even the bike only suffered minor cosmetic damage. The club was very impressed with my prang; I still have the commemorative certificate. Thanks, guys!

End of Part One

That summarises my personal history of motorcycling up to 1984. The next twelve years featured more and bigger bikes and travel further abroad. I’m hoping that it doesn’t read like a monstrous thrash’n’crash-a-thon. My bikes generally stayed upright and my licence remained cleanish.

]}:-{>

Thursday, December 11, 2008

We've got you covered

After my recent experience at Welcare – the aching and numbness has gone now, thanks for asking – I made an appointment to see a doctor for a wholly unrelated medical issue. Let’s call it foot ‘n’ mouth. Only the name has been changed. And the symptoms. There are no lurid pictures from the Tropical Diseases House of Horrors either.

I turned up at Welcare and proffered my medical insurance card. Last time I did this, all medical bills were paid directly and painlessly by the insurance company to the clinic apart from a Dh50 deductible excess. This time, the receptionist looked down his nose at the card.

“Your complaint is not covered, Mr Goat.”

“Excuse me? I have already checked the list of specific exclusions on my policy and as foot ‘n’ mouth isn’t a self-inflicted injury, cosmetic surgery or a dental complication it’s not excluded. Please check with the insurance company.”

“There’s no need. Foot ‘n’ mouth is never covered.”

Anyway, having made the appointment I found out how much it would cost in full and I had the treatment. Ouch, that stings. And so did the treatment.

A week later I’d been through the medical insurance policy with a fine-tooth comb. I had the same argument at Welcare, but this time I managed to get, along with the invoice, a doctor’s note detailing the treatment. This I submitted to the medical insurance company who confirmed that foot ‘n’ mouth was indeed covered, and that I could expect a cheque for full reimbursement, less the Dh50 deductible.

A month later I have the cheque. As well as the Dh50 compulsory excess, the company deducted 20% “because you didn’t show your insurance card at the clinic.” Well I did, actually, but Welcare refused to accept it. They lied to me. They failed to check when I queried their disingenuity. And anyway, the small print says that costs at Welcare are 100% recoverable.

The foot ‘n’ mouth has now cleared up. Yet I am still battling to recover sums owed to me in accordance with my contract with the medical insurance company. What a pity that the clinic and insurance have together conspired to make the financial side of healthcare so unnecessarily complicated.

]}:-{>
 

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