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guest100718
Guest
Various insurers....It pays to switch!
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- Thread starter dewsweeper
- Start date
Various insurers....It pays to switch!
Val
Ryder Cup Winner
I would like to find out who this insurer is too, never heard this ever. If it makes no difference why do they insist on knowing and why do they insist that they are valid for 5 years?
North Mimms
Tour Winner
Why so coy?
Val
Ryder Cup Winner
I know the daily mail tends to be taken with a pinch of salt.................but
Driving Convictions
Driving Convictions
woody69
Journeyman Pro
This article is a few years old, but I think the person you spoke to at your insurance company has probably provided you with false information.
http://www.confused.com/car-insurance/articles/top-motoring-convictions-and-their-hidden-cost
However, there are other factors at play i.e. their conviction policies, the vehicle type and your age, but I would be extremely surprised if it has made no difference.
FairwayDodger
Money List Winner
Figures in there are frightening! I just renewed, have 3 points on my license and pay a small fraction of the example quoted there! Points come off next year so I look forward to a 30% cut, lol they'll be paying me!
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guest100718
Guest
That article talks about convictions... A fixed penalty is not a conviction....
The first one i got was for breaking a red light in my RS Turbo over 25 years ago. I was gutted as I thought it would make my already high insurance even higher, My insurere re ran my premium and no difference. The same thing has happneded a few times since.
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guest100718
Guest
? I have been with loads of insureres over the years. I have no Idea who iwas with at the time of fixed pen. But in recent years no one out the ordinary.
hamshanker
Challenge Tour Pro
My missus got an sp30 in 2010 and i was told that if she took the points it wouldnt make any difference to the insurance but what a load of rubbish that was,i looked for renewals without the sp30 and with the sp30 added and the difference for each yr has always been in the region of £100..
woody69
Journeyman Pro
You said you had an SP50. That is classified as a Motoring conviction
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guest100718
Guest
SP50 is a motoring offence
I have had 2 SP50s, 1 SP30 and a TS10. None of which have resulted of a conviction of any sort. You'd need to go to court to be convicted of an offence
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Val
Ryder Cup Winner
You are splitting hairs, it's the same thing. SP50 is still penalised with a fine and points.
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guest100718
Guest
yes a fixed penalty or on the spot fine, A conviction it is not.
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Fyldewhite
Tour Winner
Anyone work in insurance that can give an informed opinion here? I put myself (with 6 points) on my other half's fully comp policy last year and can't remember the exact amount but it was peanuts.
Insurance generally works on risk factors and I certainly drove slower with 6 points than I did beforehand....maybe statistically you are less likely (or at least no more likely) to claim??? That may vary with age too but I'll never really understand insurance!! It cost me less this year for a multi car (two cars and both to drive each others) than it did last year for just mine.
Insurance generally works on risk factors and I certainly drove slower with 6 points than I did beforehand....maybe statistically you are less likely (or at least no more likely) to claim??? That may vary with age too but I'll never really understand insurance!! It cost me less this year for a multi car (two cars and both to drive each others) than it did last year for just mine.
SaintHacker
Journeyman Pro
I've had three points on my licence twice. Both times I informed my insurance company and both times it made no difference. And then I changed I the end of the policy and got it cheaper anyway. Most of them are OK with three points, its when you get six or more they start getting twitchy. Always always shop around for insurance...
woody69
Journeyman Pro
You're arguing (rather oddly) semantics. An insurance company, or comparison website classifies speeding as a motoring conviction. Is it technically a conviction, an offence or an endorsement? Who cares. All I know is it will affect your insurance policy premium to some degree
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guest100718
Guest
You seem to care greatly!! I have already told you it made no difference to my insurance , as have others. Take from that what you will. And there is nothing odd about or semantic about it,
you can go to court and be convicted of a speeding offence, which is very different from a fixed pen.
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Hacker Khan
Yurt Dwelling, Yoghurt Knitter
I think some of it depends on the type of insurers. There are some out there, usually the ones advertising heavily on TV that are just after perfect drivers, i.e. only drive once a week, never been done for speeding, drive a 10 year old Micra with 3,000 miles on the clock etc etc. And if you fit their profiles you will get very cheap insurance. But if you no longer do that they will increase your premium.
Other insurance companies that possibly do not charge the really low headline rates take a more casual attitude to 3 points. But will load your premium if that turns into 6.
Other insurance companies that possibly do not charge the really low headline rates take a more casual attitude to 3 points. But will load your premium if that turns into 6.
MadAdey
Money List Winner
I'm with Paddy on this. I have on and off had 3 points on my licence and the difference it made to my insurance was very minor. At one point I was 29 driving an imported Impreza with all the modifications listed and getting 3 points made no difference to the insurance.
I think that anyone with 3 points had a fixed penalty notice so it wasn't like they where doing 50 in a 30, so not really a bad driver, more like they didn't watch their speed and got caught doing 35 in a 30.
The only thing I would be wary of is anyone that drives a company vehicle. I know with my brothers job if he gets more than 6 points he will loose his job as the company insurance does not cover anyone with greater than that, to keep their insurance premiums down. I know he has already done a speed awareness course to avoid the points because if he had 3 points then caught doing something stupid and got 4 points he would be screwed.
I think that anyone with 3 points had a fixed penalty notice so it wasn't like they where doing 50 in a 30, so not really a bad driver, more like they didn't watch their speed and got caught doing 35 in a 30.
The only thing I would be wary of is anyone that drives a company vehicle. I know with my brothers job if he gets more than 6 points he will loose his job as the company insurance does not cover anyone with greater than that, to keep their insurance premiums down. I know he has already done a speed awareness course to avoid the points because if he had 3 points then caught doing something stupid and got 4 points he would be screwed.
PhilTheFragger
Provider of Entertainment for the Golfing Gods 🙄
These days the insurance companies have access to the dvla database and this makes checking for motoring transgressions very easy.
I did a speed awareness course about 15 months ago, cost 90, but thought it was better than points. didnt bother to tell insurance company (Admiral) as I didnt think I needed to.
They found out about the course and did my premium another £120 ish quid, cant move coz getting such a good deal on the kids cars on the multi car policy.
Big Brother really is watching you
I did a speed awareness course about 15 months ago, cost 90, but thought it was better than points. didnt bother to tell insurance company (Admiral) as I didnt think I needed to.
They found out about the course and did my premium another £120 ish quid, cant move coz getting such a good deal on the kids cars on the multi car policy.
Big Brother really is watching you
