points on license - does it affect insurance?

r055 · Post by **r055** » Mon Dec 10, 2007 10:38 am

Managed to bag another 3 points last night on the way into town to pick up the missus from her xmas party - 57 in a 30. Exactly 1 year (to the day) since i got my last 3 points.
The police jumped out from behind a bus stop flashing a torch and standing in the middle of the road!

they had a successful night - in the time i was sitting there getting a lecture, they stopped 6 other cars in the same way!

anyway, when i renewed my insurance this year on the daily drive, Elephant told me they would struggle to get any less as i had 3 points.

Someone told me last night that it doesnt affect your insurance until it hits 9 points!?
Is this right?

kenny · Post by **kenny** » Mon Dec 10, 2007 10:41 am

It does affect your insurance.

57 in a 30, probably lucky in was only 3.

Post by ed » Mon Dec 10, 2007 10:42 am

Im afraid it does, but not normally until you renew. You sure thats only 3 points? I thought the upper band in a 30 was more 50 for 3?!

Lazydonkey · Post by **Lazydonkey** » Mon Dec 10, 2007 10:43 am

With the increase in scameras i think 3 points matters less than it used to but it's still an opportinity to make money and thus they'll hike the premuims if they can.

kenny · Post by **kenny** » Mon Dec 10, 2007 10:49 am

ed wrote:Im afraid it does, but not normally until you renew.

Not 100% but I think you are supposed to notify the insurance of any changes, points etc. If they want they can void your insurance if you dont declare the points right away.

Bada Bing! · Post by **Bada Bing!** » Mon Dec 10, 2007 10:54 am

In my experience, 3 points does next to nothing to a premium, 6 points can add around 12%, and with 9 points you start to feel a slight burning around your rectal area.

This year I had the joy of insuring the Elise with 9 points and a claim.

Lucky I had some money in the bank as it was the most I have paid for insurance since I was 17!

r055 · Post by **r055** » Mon Dec 10, 2007 10:56 am

the person that told me about the 9 points used to work in the motor insurance industry - thats why im questioning it now.

otherwise i would have instantly put it down to drunk talk!

yeah - only 3 - i asked him twice to clarify that.

the section on the road where i pulled over was a 50 - there was a section of about 300 yards which has been downgraded to a 30.
I didnt dispute it and accepted blame straight away as I had no excuse - it was 1am so it wasnt that busy (apart from the following 6 cars that got caught also)

All in all, i was quite lucky to only get 3 points.

renmure · Post by **renmure** » Mon Dec 10, 2007 11:06 am

kenny wrote: 57 in a 30, probably lucky in was only 3.

Very lucky. I got 5 points and and a 400 quid fine for 56 in a 30 zone. That was 4 yrs ago too.

kenny · Post by **kenny** » Mon Dec 10, 2007 11:18 am

r055 wrote:the section on the road where i pulled over was a 50 - there was a section of about 300 yards which has been downgraded to a 30.

A80 at Moodiesburn by any chance?

Absolutely ridiculous bit of road to have a 30 limit on

Ron · Post by **Ron** » Mon Dec 10, 2007 11:37 am

I've just renewed my insurance with 6 points. Swapped from Admiral to Elephant (same company really). You can check how various things affect your insurance on the Elephant website. Each 3 points added about £100

But add another driver on you policy (preferably an old woman) and it can drop over £100

Ron

alicrozier · Post by **alicrozier** » Mon Dec 10, 2007 12:27 pm

Ron wrote: But add another driver on you policy (preferably an old woman) and it can drop over £100

When I added Ed to the Shed it went up by a couple of hundred!

...they wouldn't accept that he drives like an old woman.

Post by ed » Mon Dec 10, 2007 12:35 pm

Dominic · Post by **Dominic** » Mon Dec 10, 2007 1:36 pm

kenny wrote:
A80 at Moodiesburn by any chance?

Absolutely ridiculous bit of road to have a 30 limit on

A few years ago I went through the lights and camera there doing 65 tuts - lights were red at the time, passed the speed camera doing 65 tuts and set it off. Looked in my rear view mirror and saw a police bike. ... thankfully there were also police bikes on the junction and in front of me. Police escorts are

tut · Post by **tut** » Mon Dec 10, 2007 2:27 pm

Where the hell will I find an older woman from?

Suggest that you inform your insurance company straight away as you are supposed to. I forgot all about it until last week, so I told them three months late.

No problem and no increase this year, but probably will be for the 5 points when I renew.

tut

DDtB · Post by **DDtB** » Mon Dec 10, 2007 2:33 pm

Dominic wrote:
kenny wrote:
A80 at Moodiesburn by any chance?

Absolutely ridiculous bit of road to have a 30 limit on
A few years ago I went through the lights and camera there doing 65 tuts - lights were red at the time, passed the speed camera doing 65 tuts and set it off. Looked in my rear view mirror and saw a police bike. ... thankfully there were also police bikes on the junction and in front of me. Police escorts are

Why were you only doing 65 tuts then and not taking full advantage and doing 130 tuts .....