how much do points and say cautions effect, i.e. a speeding fine and 3 points? or a caution for dangerous driving? reason i ask is i had a caution when i first started driving (one of those 12 month thingys then your taken off the list) and i never told my old insurer (NOT HIC who im with now so dont worry martin!) but would that have effected it?
also may be getting done for speeding but its not been confirmed so hopefully i wont!