how much do speeding points affect insurance?

r055 · Post by **r055** » Tue Jan 23, 2007 2:34 pm

Got caught on m90 Stirling in December @ 89mph.
"3 points and 60 quid please sir"

clean license before this

after almost 10 years driving

how much does it affect renewal premiums? if at all?

Post by ed » Tue Jan 23, 2007 2:39 pm

Bad luck! My 9 points doubled my insurance!

Thankfully that was a while ago now!

Tbh most people have 3 points and it normally doesnt affect your premium at all, in fact most companies expect it these!

kenny · Post by **kenny** » Tue Jan 23, 2007 2:46 pm

During my recent phone round session most insurers said 3 points doesn't affect it. They expect everyone to have 3.

r055 · Post by **r055** » Tue Jan 23, 2007 2:59 pm

cheers guys - feel better already!

just about to leave to go down to leeds - think the cruise will be set at 75mph all the way!

- Dont wany any more!

although saying that, was in the elise on sunday on the way to edinburger doing a fair amount of tuts and i seen a camera man trying to catch me - only problem is that the front plate fell off the front a while ago

gorrie · Post by **gorrie** » Tue Jan 23, 2007 3:01 pm

Tell my wife that... I've been warned sternly that if I get points, I'm getting a Fiat Cinquecento. Thankfully, 15yrs, no points ever... despite an M6 journey past 6 seperate mobile speed traps (end of month targets?) at over the limit speeds.

Andy - (future fiat owner faction)

mac · Post by **mac** » Tue Jan 23, 2007 3:06 pm

I thought I had got done last week on the way down to Swindon - past the van on the M74 doing a shade over 80. Turned on the gps satnav and switched it to read mph and realised that the car's dial was overreading by over 10%

Mac

Dominic · Post by **Dominic** » Tue Jan 23, 2007 3:15 pm

I got 3 points in 1999, and my premium did not rise at all. However, when the points came off my licence, the premium dropped a 100 quid or so.

r055 · Post by **r055** » Tue Jan 23, 2007 3:16 pm

gorrie wrote:Tell my wife that... I've been warned sternly that if I get points, I'm getting a Fiat Cinquecento. Thankfully, 15yrs, no points ever... despite an M6 journey past 6 seperate mobile speed traps (end of month targets?) at over the limit speeds.

Andy - (future fiat owner faction)

Andy, if you do get caught you could always ask the other half to take the hit for you!

by the sounds of it, im sure she'll agree to it!

gorrie · Post by **gorrie** » Tue Jan 23, 2007 3:17 pm

Dominic wrote:I got 3 points in 1999, and my premium did not rise at all. However, when the points came off my licence, the premium dropped a 100 quid or so.

Bingo !! So, if I ever do get done... I can tell the wife that it was actually a long term money saving excercise !! I like that one.

Andy

Dominic · Post by **Dominic** » Tue Jan 23, 2007 4:36 pm

gorrie wrote:
Dominic wrote:I got 3 points in 1999, and my premium did not rise at all. However, when the points came off my licence, the premium dropped a 100 quid or so.
Bingo !! So, if I ever do get done... I can tell the wife that it was actually a long term money saving excercise !! I like that one.

Andy

I like your thinking!

DDtB · Post by **DDtB** » Tue Jan 23, 2007 5:09 pm

Dominic wrote:I got 3 points in 1999, and my premium did not rise at all. However, when the points came off my licence, the premium dropped a 100 quid or so.

surely that was just because you turned 40 at the same time though??

Dominic · Post by **Dominic** » Tue Jan 23, 2007 7:20 pm

DDtB wrote:
Dominic wrote:I got 3 points in 1999, and my premium did not rise at all. However, when the points came off my licence, the premium dropped a 100 quid or so.
surely that was just because you turned 40 at the same time though??

I thought you said "you're only as old as the woman you feel".......

Sanjøy · Post by **Sanjøy** » Tue Jan 23, 2007 7:54 pm

Tesco
3 point SP50 (mway average of 93mph) £0 increase
3 points SP30 (40 in 30) £60 increase.