1932-08-20 — Page 8

THE HONGKONG TELEGRAPH. MOTORING SUPPLEMENT.

INSURANCE AND MOTORISTS.

Policy-Holders and the Law: First Results of Compulsion.

Where shall I insure?

Beware, however, of "false econ-insure.

insurance Cheap оту."

A LEGAL POINT.

The Dog Guarding A

Motorcar.

SATURDAY,

AUGUST 20, 1932.

SPORT FOR GIRLS. their jobs-veterinary surgeon as-

Neglected Since the War.

By Kirkstone in the "News- Chronicle."! Why are there so few women motor-cyclists nowadays?

sistants-if they did not have motor-cycles,

Many girla hesitate to buy a motorcycle because they think the machines are too heavy for their

THORNYCROFT MARINE ENGINES.

3

Remarkable Tributes to Their Lasting Reliability.

manufacturers

CA-

feature of the moloring budget,considerations for those abrut tnmuzzled in a public place.” It was But suddenly the enthusiasm end as clean as when she het out-stand up to many years of normal service in preference to motor

has grown

the

years

made,

serious

purpose.

For

trength, and too intricate to understand. That is wrong. Pre- Hent-day machines-especially the 1 will be reculled that recently

small utility models-nre 815 the Eriglish Courts were concerned

simple that what look like in- in hearing an action for damages

The girls of to-day are tricacies can easily be grasped by Some remarkable tributes to the ing products, of which Thorny-

· girl. A What other, but when it comes to a ques-in which a child was injured by a

girl van lasting reliability of Thornycroft croft marine engines are worthy

minor shall I cover? How much ought I tion of selection, the best possible dog in a stationary motorcar. A adventurous as the girls of the the average te pay? Those are the three ques- advice is that the insurance should similar case has just been decided war period who served as motor- quickly learn to remedy

Sturdy Construction. tions which almost every owner he placed with a company or un-in Switzerland. The owner of a eyelists with the auxillary forces, trophies when they occur--which marine engines have recently been examples.

Overseas buyers of marine en- of a motor vehicle puts to himseit der-writing group whose reputacar, left his dog tied up inalde it and since the war many women is not often nowadays. Learning received by the

has ridden a pedal cycle would at one time or another, according tion for fair dealing and whose on guard. An inquisitive small boy have become enthusiastic pedalito ride is simple. The girl who from satisfied owners.

These are of significant interest gines cannot be too careful dis- It was prophesied in 1920 that find it ridiculously easy. As to

eriminating amongst the very wido to the thesis advanced by Sir Ed-financini atanding, together with poked his head inside the car and cyclists and motorists."

read dirt, Jegshields enn be to overseas users of marine

range of makes on the market ward Manville. In these days the requisite organisation for thewan bitten on the car by the dog.

machine and the gines who, more than anything, choosing those which are primari- when we are all looking for ways prompt execution of repairs and Heavy damages were claimed by the adoption of the motor-cycle

of output to meet the demand. rider can arrive at her journey's require a sturdy job' that willly designed and built for marine and means of economizing the in-settlement of claims, is beyond the father for injuries to his son by girls would mean the doubling fitted to my

are the prime caused "by a savage dog left un- surance premium is undoubted'y a question. These

pre-proved in evidence that the biting Hopped. In the past five

What to Wenr. Neglect of such

and not infrequently rough usage, car type engines adapted for this has been Aapparatus of the dog could not pro-slow progress

I do not presume to suggest may cautions may be disastrous,

but, An example of the latter was motor owner requiries something trade outside the ear, and in order despite the fact that pioneers like

Marjorie

have riling clothing for girls; Cottle

marine servico it is cus- age, I heard mentioned in ane letter from an tomary to run an engine at full prove a very bid investmeal.

trespass on the ear. The Swiss demonstrated that the motor-cycle three or four years

Cottle From the early days when only move from his insurance, company to get hitten it was necessary to fis

of Miss Marjorie

at the Indian owner, whose native atten-throttle for long periods and on- High Court held that the interior is unequalled 8 2 mes

advising a girl one or two insurera would look at than a more ability to pay claims,

The next question is, What shall of the car is not a public place and transport; reliable. cheap and Olympia show

that the ideal wear, was a clase dant had run his Thornycroft en-ly one of sturdy construction can what was then a very unknown

the claim was dismissed,

easy to buy.

fitting hat, without fur trimming, Kine for a whole day without any be expected to stand up to such quantity was really little more cover? To an extent this must

For Business Girls. than a gamble-mator insurance necessarily be governed by

Girls who have taken up motor-riding breeches and leather coat water circulation, and was plea drastic treatment.

The brunt of the strain falls on Lo an extent which pocket. The law now cumpets the

to breeches she damage had resalted. shows 130 companies in England motorist in insure against. claims

the camshaft, and it is well known imsi-by third parties for personal in-net and that the insured will getryrling have found that it is an and boots of the hunting type. As santly suprised that no

Recently, jan alternative the numerous asset in basiness, in 11

"Fold-

No Involuntary Stops. that Lloyd's rules call for crank- actively chynged

was able to help two girls--one of suggestel a skirt of the

could be type, which

shafts, among other items, to be ness. I have no intention of emjury, and there is, of course, the the full bonfit

Another letter stated "my en-heavier than is usually consider- barking upon any comparisons as temptation to limit insurance to services which an experienced and

in di-buttoned round each leg after the statutory requirement, but well-equipped insurance company who was having trouble with a over" - the and between one company

generally speaking this cannot be can give. Experience proves that faulty plug. Both lived

the insurance of motor-vehicles, trirts where transport was scarce rider had mounted. A skirt, Miss gine has been in constant use for cu accessary.

They

when early four years, during which ad-Cattle added, is preferable advised. The best protection, and

time it has not made an involun- The cheapest in the long run, is the when conducted upon lines which and none to cheap.

It may not be generally known continue shopping, or making calls. service to the mitted they could not

tory stop."

that it has always been the stand- usual comprehensive policy issued ensure the right

motorist, shows only a relatively

ard practice of John 1. Thorny- by all reliable insurance concerns

compared with

But as a quid pro quo the Their easy starting is commend-croft & Co. Ltd., to fit exception- which provides cover against at all profit as third-party claims damage to the other business. There is therefore better than was anticipated at the trifles.

very little margin for extravagant time the change was contemplated, insurer is fully intitled to expect by another owner, whose boatally sturdy crankshafts to all their Finally, concerning relations be reasonableness on the part of the is equipped with two Thornycroft types of marine engines, all of car, fire, theft, injuries to owners,

rate cutting or the provision of

ex insured. The will on both sides to Handybilly" engines. "They will them being larger in diameter and and medical expenses, with a bonadditional benefits. Motor insur-tween insured

Natur- us allowed for on claims

ance is really not the El Dorado perience has shown that the best do the fair thing for each other; both start on half a turn from cold increasingly stronger than even

petrol consumption is Lloyd's formula. an in- does far more thun any amount of and the

The increaseN afly there are occasional variations that many people are inclined to form of advertising for

the equi- letter writing. The claimant who well under two gallons per hour range from 1.08% in the case of than one

is company in Use' policies and on finds that think it is, and

the well-known "Handybilly" 7/0 this or that particular insurer gives attempt to conduct the business on talle and prompt settlement of is unreasonable is almost certain for both engines going at

b.b.p. engine to 3.73% in the case certain extra benelits without addi-northodox lines ended in claims, and it follows that the best to be up against dificulties. He speed."

advertising medium is the satisfied will often antagonise the officials tional payment, but these are usual-Carey-street.

Even more convincing is the ex-of their 100 b.h.p. RD/6 Engine. Bence it will be understood why who ly minor considerations as compar A word of warning may be ad-policy-holder, More and more is with whom he comes into contact}

alienate their sympathies. perience of another user ed with the fundamental principles dressed here to the motorist when it being realised that motor in and

and dependablo of sound insurance. The "no claim filling in his proposal form. It is surance is not merely a question of Mutual trust and the spirit of give wrote. "For the 8th consecutive Thornycroft marine engines give bonts" is an innovation in insur- of the winst importance that the collecting premiums and paying and take are all-essentials in the year the engine has run with its such long-lived

which should properly usual watch-like regularity. Ex-service such as to more than justi- ance practice which in itself con-questions should be answered acclaims. The real job of the insurer relation tradicts one of the main principles curately and that the informatien is to inspire the Insured with that, exist between the insurance com-rept to change the oil and cleanly their somewhat higher initial

based- upon which insurance

Messrs. John I. Thornycroft & as to past record, mumber of acci- degree of confidence which can only pany and the policy-holder. When the plugs, nothing has been touch costs. namely, to spread the cost fairly dents, and so forth should be excl come through a prompt and c- they are present, disputes are less cl in any way whatever."

It is experiences such as these Co., Limited, are locally represent- over the fortunate and unfortunate in every detail. Neglect in this cient service to supervise repairs likely to arise, difficulties are more alike. It is realised that in motor respect may mean the invalidation and help the insured in times of easily smoothed

or the insurance policy plus an dificulty and, last but not least, insurer and insured are satisfied which have built up the world-ed at Pioneer Building, Nathan

+wide regards for British engineer Road, Kowloon. insurance the personal element en- tera more largely into the risk than appearance in the police court on the avoidance of quibbling over with their bargain. in any other form of insurance. As a charge of driving uninsured con- it does not seem practicable to pen-trary to the insurance provisions alise the reckless and incompetent of the Rod Traffic Act.

It is very the "o claim bonus" has been de-doubtful whether motor vised as a means of rewarding those are really aware of the maay who by care and skill are able to penalties they may incur by failure avoid accidents.

to comply with the provisions of the Road Traffic Act.

THE NEW

OPEL

Product of Generat

Motora.

THE NEW

OPEL

THE NEW

For Economical

Motoring.

OPEL

THE NEW

For Minimum

Cost

OPEL

THE NEW

For Maximum Mileage

OPEL

1'HG'K Telephone 3.0-2-2-8.

THE NEW

OPEL

The Dragon Motor

Car Co., Ltd.

Psychological Effect of Compulsory Insurance.

rcond. 316

more

1

Owners

Without discussing the merits of the of the Insurance Section How much ought I to pay? This Road Truflic Act, it is wrong to is a phase of the matter which assume, as many do, that the Act is an unmixed blessing to insurance naturally appeals very strongly to

It has caused a vast the great bulk of motor owners, companies. but from time to time it is made amount of clerical labour and con- those expense. Only abundantly clear that to attach too siderable

a praetical acquaintance much importance to this question having

with it have any conception of the of the amount of premium may be penny wise and pound foolish.mount of additional work which

small premium is The

not the new Act has thrown upon in-

The net The surance compan104, hecessarily saving of a pound or two muy only, imposes additional obligations be very attractive at the time.. upon them, but it tends to create minds oi some injured but it is obviously no saving unless in the accompanied by a certainty that all pedestrians the impression that claims will be fairly and promptly compulsory insurance means com-

pulsory compensation whether hot the motorist is in any way re- sponsible for the accident. It cannot be too widely known that The introduction of compulsory motor-cur insurance has not in any way altered the common law liabili ty of motor-car owners. Insurance companies having agreed with the Government to awept as many as possible of the abnormal risks, they are frequently obliged to accept risks which they would rather avoid. In fact, motorists need have nd apprehensions that facilities for insurance will be unreasonably withheld, there are too many in- surance organisations, all keenly seeking business.

NEW AUBURN

STRAIGHT EIGHTS

DUAL RATIO

Dual Ratio, exclusive with Auburn and special equipment in all Custom Models gives you the equivalent of two cars in one; in the hills a most, officient hill climber; on the straight-away a smoother, quieter performance at high speeds with less wear On the and tear on the motor and running parts. boulevard or in the country with your car moving 20 to 60 M.P.H., turn the Dual Ratio lever on the instrument panel from Low Ratio to High Ratio and while your car continues at the same speed the motor speed drops down one-third of its former speed. vibration, quieter, and more economical.

Less

or

It is to the credit of the insurance world that the dificulties which were bound to arise in any scheme of this nature have been bridged with minimum of trouble to |insured and insurer. It is equally to the credit of the Ministry of Transport, who were responsible for the introduction of compulsory insurance, that the many questions which have cropped up from time to time have been settled so amicab- ly with the insurance interests.

Question of Payment to Motor Owners,

Of course, one of the chief fears of insurers was the psychological effect of compulsory insurance on the public mind, and the danger that the knowledge that every motorist was insured would encour- age and exaggerate claims. More- over, there was the added danger of juries in personal Injury cases, with the knowledge that the plaintif would be indemnified by an insurance company, allowing their judgment to be guided more by sympathy than by the ordinary principles of negligenco and con- tributory negligence, which should mainly govern the question liability or non-liability. It is too soon to say to what extent, if at all, these fears have been realised. Thero has certainly been

a ten- dency for claims to increase, and congestion of the courts with

of

ASIATIC MOTOR CAR CO.rge numbers of cases of personal

SHOW-ROOM.

is indication of what

is happening. But, on the whole,

in view of the comparatively short

surance

and insurer,

out, and both

full

Rockne Six Offers Quality at Low Price

Abundant roominess; adjustable front beat: three-spoke, steel core steering wheel, adjustable steering column and aviation type instruments feature the Rockne Six "75." Free Wheeling control is located on facia at left of steering column. Hand brake lever and gear change lever are forward in the Rockne Clear Way Front Com- partment. This new positioning allows the driver to enter or leave through either doorway with ease.

The long wheelbase of the Rockne **75" is supplemented by an extra wide rear trend which not only accen Luates the exterior proportions of the car but makes possible a wider rear seat than has been customary in care of this price. The interiors are up- holstered and furnlibed in the man. per of costlier cars. The Rockne Six is manufactured by Rockno Motors Corporation, a Studebaker subeldiary, with offices and factory in Detroit, Michigan, U.8.A.

panied for which compulsory manËRSA mbok PENC Folkmesɛ has-been working-conml KANPERVENOM

Long, low and aerodynamically streamlined is the Rockne Six "75" five passenger, 4-door sedan shown above. The powerful six cylin der motor develops 72 horsepower and assures a smooth, consistent high cruising speed. The unusual chaasia length-~114 inches- relieves It of that condensed appearance which makes the low price of other inexpensive cars no evident. Convertible sedan, con vertible roadster and coupe models also are available on the Rockne "75" chassis. Wire wheels are standard equipment, sa are free wheeling and synchronized shifting.

Note the slanting louvres, sloping radiator and aloping wind- creen of the Rockne Six "65" convertible rondster. This ultra modern car, mounted on a 110-inch wheelbase chassis and powered by a 66 h.p. engine, has been designed and built to standards of quality never before achieved in the low-priced field. The power plants of the Rockne Six have that notable freedom from vibration that is inherent in all Studebaker sponsored englues. In keeping with the practice followed in high priced cars, engineers have further defeated vibration by cuabloning Rockne engines in live rubber at all four plate of suspension, as illustrated at right.

Below-A smart V-shape radiator shell features the modern styling achieved in the Rockne Six One-piece steel wings lend the swank of custom salon cars. The wide, symmetrical bumper is faced with chromium as are radiator abiell and bendlamps. The radiator, bonnet, top and the front and rear mudguards effectively blend in an ensemble that pleases the eye while fulfilling the re- quirements of the latest research in motor car wind resistance.

THE HONGKONG HOTEL GARAGE

THE HONGKONG AND SHANGHAI HOTELS, LTD.