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Old 30-11-2011, 10:37 AM   #1
Kameloil
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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..
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Old 30-11-2011, 03:22 PM   #2
He11cat
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Car premiums have shot up as well have they not!!
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Old 30-11-2011, 04:05 PM   #3
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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......
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Old 30-11-2011, 04:22 PM   #4
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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.
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Old 30-11-2011, 06:25 PM   #5
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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.
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Old 30-11-2011, 06:29 PM   #6
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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......
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Old 30-11-2011, 06:52 PM   #7
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I informed my car insurer of a 3 pointer (SP30 - again) .
did they laugh and not believe you?

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Old 30-11-2011, 06:54 PM   #8
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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.
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Old 30-11-2011, 07:08 PM   #9
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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
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Old 30-11-2011, 07:09 PM   #10
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did they laugh and not believe you?

And so it begins - getting all ready for Sunday..........
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Old 30-11-2011, 07:12 PM   #11
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And so it begins - getting all ready for Sunday..........
i seen you ordered salad, safe bet for you
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Old 30-11-2011, 07:30 PM   #12
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Go on Gordon, stripe his pipe.

Whats a TS20 anyway......Too Sarcastic, on twenty separate occaisions......
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Old 30-11-2011, 07:31 PM   #13
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Go on Gordon, stripe his pipe.

Whats a TS20 anyway......Too Sarcastic, on twenty separate occaisions......
contravening white lines i think?
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Old 02-12-2011, 02:27 PM   #14
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contravening white lines i think?
TS20 Failing to comply with double white lines
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Old 02-12-2011, 02:37 PM   #15
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I'm curious...if you've had a speeding ticket that allows you to do one of these awareness courses instead of the points do you still have to report it to the insurers?

This was a while ago when I changed to digital clocks on the old bike, expensive way to find out that the instructions for calibrating the speedo were wrong! They're actually not too bad, waste of an evening and you still pay the fine but I remember plenty of hot chocolate and biscuits
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