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General => Insurance => Topic started by: Mk1Macca on 01 February 2008, 14:11

Title: How do points affect things?
Post by: Mk1Macca on 01 February 2008, 14:11: So last night I was caught answering my phone by an umarked police car.

They've kindly issued me with a Ã‚£60 penalty and 3 points.

Obviously i'll be telling my insurance company, but i'm just wondering how it will affect my premium / renewal?

I can understand speeding would, but not sure about picking up the phone.
Title: Re: How do points affect things?
Post by: Tom H on 01 February 2008, 14:13: I'm pretty sure points are points no matter how you get them, but few companies will penalise you for just 3. it's not usually until you get 6 or more that you need to worry.
Title: Re: How do points affect things?
Post by: Mikester on 03 February 2008, 20:55: In the end, depends on your age, my friend is 18 with 3 points, and it only went up slightly.
Title: Re: How do points affect things?
Post by: creasegt on 04 February 2008, 11:52: you were lucky mate, if you get caught on the fone now its 2yr imprisonment, no quibbles, straight in!!!

ive heard that insurance companies tend to give cheaper premiums to people with 9 points, rather than people with 3 or 6 for instance,
for the sheer fact that you lose your licence at 12points, and people just arnt willing to risk driving like a dick with 9 points!
Title: Re: How do points affect things?
Post by: Mikester on 04 February 2008, 12:39: Quote from: creasegt on 04 February 2008, 11:52
you were lucky mate, if you get caught on the fone now its 2yr imprisonment, no quibbles, straight in!!!

ive heard that insurance companies tend to give cheaper premiums to people with 9 points, rather than people with 3 or 6 for instance,
for the sheer fact that you lose your licence at 12points, and people just arnt willing to risk driving like a dick with 9 points!

Indeed, if you jsut think it through, its pretty much what would you do if you were them!
Title: Re: How do points affect things?
Post by: Dec on 05 February 2008, 16:31: Tbh if i got 3 points now, id sell my car! Only get 6 points until you've had your license for 2 years :shocked:

I thought that insurance went up alot with 3 points though :undecided:
Title: Re: How do points affect things?
Post by: Horney on 05 February 2008, 16:37: Quote from: creasegt on 04 February 2008, 11:52
you were lucky mate, if you get caught on the fone now its 2yr imprisonment, no quibbles, straight in!!!

Yeah right! The prisons in this country would be overflowing within 24hrs!!!! You get less for beating an old person sensless for their penson money!!!!

Nick
Title: Re: How do points affect things?
Post by: Blazing Storm on 05 February 2008, 16:40: It's only jail if you're caught driving dangerously whilst using a mobile phone.

http://news.bbc.co.uk/1/hi/uk/7153070.stm
Title: Re: How do points affect things?
Post by: Horney on 05 February 2008, 16:43: http://www.rospa.com/roadsafety/advice/driving/mobile_phones.htm

Here's the law in full and some frankly bonkers ROSPA recomendations. Next they'll want to ban passengers, stereos and that annoying squeek from just behind the rear seats because they are distracting!

Nick
Title: Re: How do points affect things?
Post by: Tom H on 06 February 2008, 08:27: Quote
caught driving dangerously while using a handheld mobile phone

You'd have to be doing something else worth pulling you over for, like weaving all over the place (which most idiots talking on phones do anyway!) while you're using your phone for this to take effect - it gives them powers to raise the charge to dangerous driving, which then, in extreme cases, could lead to prison.

2 Years is the maximum centance (assuming you don't kill someone) they're not saying they'll throw anyone and everyone driving whilst on a phone in jail.