3 points does affect your insurance

30-11-2011, 10:37 AM

I got three points back in July for overtaking a bus on an uphill stretch. SP30 £60 and the points. Gutted

Today having received my car insurance quote for next year, I called in to tell them of the change (apparently I should have done this at the time?), an extra £45 on my policy this year, that's almost 12%!

I wonder if the police are working with the insurance companies to generate revenue, I'll be paying this penalty for the next 3/4 years.

30-11-2011, 03:22 PM

Car premiums have shot up as well have they not!!

30-11-2011, 04:05 PM

Quote:

Originally Posted by He11cat

Car premiums have shot up as well have they not!!

Not all premiums were on the increase. I 'reduced' mine by about £150 between the car/ bike Insurance. It pays to search the T'internet you know......

simon_g · 30-11-2011, 04:22 PM

I got 3 points last year - car insurance went up slightly but bike insurance (through H&R) they just noted it and didn't charge any more at all.

utopia · 30-11-2011, 06:25 PM

I don't know what speed you overtook at, but I'm guessing that it wasn't particularly excessive or prolonged.
So with the fine and the insurance hike thats over £200, for a minor technical transgression that probably caused no danger at all to other road users and maybe even did a little to ease traffic congestion.

Oh, oh ! I feel a rant coming on.

30-11-2011, 06:29 PM

I informed my car insurer of a 3 pointer (SP30 - again) and my premium came down!! I reduced the annual mileage by 5000 and that outweighed the increase for the points.

Called bike insurers and they noted it - and that was it!

If you don't inform your insurer of any new convictions you are giving them the easiest cop out in the book if you have to make a claim......

uksurfer · 30-11-2011, 06:52 PM

Quote:

Originally Posted by Gordon H

I informed my car insurer of a 3 pointer (SP30 - again) .

did they laugh and not believe you?

30-11-2011, 06:54 PM

LOL Martin.

I also had a big hike in insurance this year, and I didn't get caught for any of my offences... I think everything has been on the increase in general.

uksurfer · 30-11-2011, 07:08 PM

i have 3 points too (TS20), but it made almost no difference to my insurance premium, the problem i encountered was going to a multibike policy and ending the other insurance which deemed expensive

30-11-2011, 07:09 PM

Quote:

Originally Posted by uksurfer

did they laugh and not believe you?

And so it begins - getting all ready for Sunday..........

uksurfer · 30-11-2011, 07:12 PM

Quote:

Originally Posted by Gordon H

And so it begins - getting all ready for Sunday..........

i seen you ordered salad, safe bet for you

utopia · 30-11-2011, 07:30 PM

Go on Gordon, stripe his pipe.

Whats a TS20 anyway......Too Sarcastic, on twenty separate occaisions......

30-11-2011, 07:30 PM

Quote:

Originally Posted by uksurfer

i seen you ordered salad, safe bet for you

Did I ??????

uksurfer · 30-11-2011, 07:31 PM

Quote:

Originally Posted by utopia

Go on Gordon, stripe his pipe.

Whats a TS20 anyway......Too Sarcastic, on twenty separate occaisions......

contravening white lines i think?

chris yeatman · 30-11-2011, 08:59 PM

please dont crash, that also puts the insurance up, as i well know!!!

30-11-2011, 10:37 AM	#1
Kameloil Guest Posts: n/a	3 points does affect your insurance I got three points back in July for overtaking a bus on an uphill stretch. SP30 £60 and the points. Gutted Today having received my car insurance quote for next year, I called in to tell them of the change (apparently I should have done this at the time?), an extra £45 on my policy this year, that's almost 12%! I wonder if the police are working with the insurance companies to generate revenue, I'll be paying this penalty for the next 3/4 years. Last edited by Kameloil; 30-11-2011 at 10:51 AM..

30-11-2011, 07:08 PM	#9
uksurfer Its all grey now Join Date: Jul 2008 Location: southampton Bike: M1200s Posts: 2,940	i have 3 points too (TS20), but it made almost no difference to my insurance premium, the problem i encountered was going to a multibike policy and ending the other insurance which deemed expensive __________________ Evolution - M600 - S4 - M796 - M1100evo - M1200s

30-11-2011, 08:59 PM	#15
chris yeatman I still have the s4r! Join Date: Feb 2009 Location: salisbury, wiltshire Bike: S4r Posts: 1,896	please dont crash, that also puts the insurance up, as i well know!!! __________________ What's that coming over the hill.......

30-11-2011, 03:22 PM	#2
He11cat Guest Posts: n/a	Car premiums have shot up as well have they not!!

30-11-2011, 04:22 PM	#4
simon_g Member Join Date: Aug 2009 Location: London Bike: M695 Posts: 127	I got 3 points last year - car insurance went up slightly but bike insurance (through H&R) they just noted it and didn't charge any more at all.

30-11-2011, 06:25 PM	#5
utopia No turn left unstoned Join Date: Jun 2010 Location: leicester Bike: M750 Posts: 4,561	I don't know what speed you overtook at, but I'm guessing that it wasn't particularly excessive or prolonged. So with the fine and the insurance hike thats over £200, for a minor technical transgression that probably caused no danger at all to other road users and maybe even did a little to ease traffic congestion. Oh, oh ! I feel a rant coming on.

30-11-2011, 06:29 PM	#6
Gordon H Guest Posts: n/a	I informed my car insurer of a 3 pointer (SP30 - again) and my premium came down!! I reduced the annual mileage by 5000 and that outweighed the increase for the points. Called bike insurers and they noted it - and that was it! If you don't inform your insurer of any new convictions you are giving them the easiest cop out in the book if you have to make a claim......

30-11-2011, 06:54 PM	#8
bex Guest Posts: n/a	LOL Martin. I also had a big hike in insurance this year, and I didn't get caught for any of my offences... I think everything has been on the increase in general.

30-11-2011, 07:30 PM	#12
utopia No turn left unstoned Join Date: Jun 2010 Location: leicester Bike: M750 Posts: 4,561	Go on Gordon, stripe his pipe. Whats a TS20 anyway......Too Sarcastic, on twenty separate occaisions......