Insurance Costs

[Bill_the_Bear]

What caused the fatality? A police car with it's blues and twos on, not in pursuit of a speeding driver, but on it's way to an incident (or more likely they heard all the bakery produce was getting reduced in the local Tescos).

Ok, this is second hand information now but still....

My barber tells me the same police car comes tearing past his shop lights and sirens blaring everyday at the same time (6pm or something, can't remember).  Is there an incident everyday at that time, or is his dinner ready?  You decide.

[mcmaddy]

I was looking at about £240 a few weeks ago, until I got an NIP for speeding 2 weeks ago (first one ever). I'll be paying about £50 extra for having 3 points. 

I really don't get why points are active for 3 years, but they stay on your licence for 4 years  and insurance companies take them into account for 5 years. 

Surely they should be on for 3 years and then after that they're non-declarable, as if they never happened?

If they are your first points then you dont need to declare them. Its only if you get 2nd penalty for points that you need to. Not sure if all companies are the same though.

It asks for "any convictions" so i'll have to declare them or risk voiding my insurance should the worst happen. For some insurance companies, having 3 points for speeding has almost no effect (seems to be the case for the more expensive insurers, but not for the cheaper ones for me (esure/sheilas wheels is by far the cheapest for me). There is more than £50 between policies for dear ones and cheap ones anyway, so switching to avoid the £50 loading does not pay for me.

Not sure whether i've been unlucky to be caught or lucky not to have been caught all these years - those mobile units are the toughest to avoid - by the time you see them (if you see them, and they're not hiding in bushes), they've got you.

Considering a detector but there are so many conflicting reports on good and bad ones based on not only the hardware, but the quality of the databases you update also.

But you havent been to court to be convicted so its not classed as a conviction. Its an SP30 speeding ticket which isnt classsed as a conviction.

[CraigW]

I was looking at about £240 a few weeks ago, until I got an NIP for speeding 2 weeks ago (first one ever). I'll be paying about £50 extra for having 3 points. 

I really don't get why points are active for 3 years, but they stay on your licence for 4 years  and insurance companies take them into account for 5 years. 

Surely they should be on for 3 years and then after that they're non-declarable, as if they never happened?

If they are your first points then you dont need to declare them. Its only if you get 2nd penalty for points that you need to. Not sure if all companies are the same though.

It asks for "any convictions" so i'll have to declare them or risk voiding my insurance should the worst happen. For some insurance companies, having 3 points for speeding has almost no effect (seems to be the case for the more expensive insurers, but not for the cheaper ones for me (esure/sheilas wheels is by far the cheapest for me). There is more than £50 between policies for dear ones and cheap ones anyway, so switching to avoid the £50 loading does not pay for me.

Not sure whether i've been unlucky to be caught or lucky not to have been caught all these years - those mobile units are the toughest to avoid - by the time you see them (if you see them, and they're not hiding in bushes), they've got you.

Considering a detector but there are so many conflicting reports on good and bad ones based on not only the hardware, but the quality of the databases you update also.

But you havent been to court to be convicted so its not classed as a conviction. Its an SP30 speeding ticket which isnt classsed as a conviction.

I may be wrong but i'm pretty sure you need to declare it to your insurance company regardless of whether it was a first offence or you were called to court

[monkeyhanger]

If they've issued points onto your license then it's a conviction, whether you fought the accusation in court or just copped to it. Gotta declare. SP30 is the standard code for going over the statutory speed limit. I won't get the option of doing a safety awareness course I don't think - 47mph in a 30 zone (that was a 50 zone) - they normally only allow you to attend one of those if you are within 6 or 7 mph of the speed limit.

[matchboy]

If they've issued points onto your license then it's a conviction, whether you fought the accusation in court or just copped to it. Gotta declare. SP30 is the standard code for going over the statutory speed limit. I won't get the option of doing a safety awareness course I don't think - 47mph in a 30 zone (that was a 50 zone) - they normally only allow you to attend one of those if you are within 6 or 7 mph of the speed limit.

Granted this was a few years back, but I once got done doing 78 in a 50 zone - it was still an sp30 + 3 points, so you should be ok.  Actually, thinking about it the time before that I got done doing 42 in a 30 (was down a hill and not a built up area) and that also was an sp30.

[monkeyhanger]

If they've issued points onto your license then it's a conviction, whether you fought the accusation in court or just copped to it. Gotta declare. SP30 is the standard code for going over the statutory speed limit. I won't get the option of doing a safety awareness course I don't think - 47mph in a 30 zone (that was a 50 zone) - they normally only allow you to attend one of those if you are within 6 or 7 mph of the speed limit.

Granted this was a few years back, but I once got done doing 78 in a 50 zone - it was still an sp30 + 3 points, so you should be ok.  Actually, thinking about it the time before that I got done doing 42 in a 30 (was down a hill and not a built up area) and that also was an sp30.

Not expecting to get anything more than £60 fine and 3 points with SP30. I'm at the stage where they just want me to idntify the driver - I will post that back in a few days and then maybe i'll get to see a pic of the car doing 47mph and my oblivious face (I never saw them, they were probably hiding in bushes).

[AAddict]

I just got a quote of £231 Fully Comp with protected No Claims. Same prices as my boggo 1.4s Mk6 

[mcmaddy]

If they've issued points onto your license then it's a conviction, whether you fought the accusation in court or just copped to it. Gotta declare. SP30 is the standard code for going over the statutory speed limit. I won't get the option of doing a safety awareness course I don't think - 47mph in a 30 zone (that was a 50 zone) - they normally only allow you to attend one of those if you are within 6 or 7 mph of the speed limit.

Granted this was a few years back, but I once got done doing 78 in a 50 zone - it was still an sp30 + 3 points, so you should be ok.  Actually, thinking about it the time before that I got done doing 42 in a 30 (was down a hill and not a built up area) and that also was an sp30.

Not expecting to get anything more than £60 fine and 3 points with SP30. I'm at the stage where they just want me to idntify the driver - I will post that back in a few days and then maybe i'll get to see a pic of the car doing 47mph and my oblivious face (I never saw them, they were probably hiding in bushes).

I've got an ancient snooper strabo that picks up every camera including mobile and hand held. Snooper are the best for camera detectors and they come with free lifetime updates most of the time.

[Running Man]

Lucky you. Mine came out at a cool £1000. However, I have NO 'no claims bonus' because I haven't had my own car for about 8 years! So I guess it's about right.

Just a thought, have you been driving company cars?

If you have you should be able to use any period of no claims from your company car and convert this to a private insurance policy.

[Bill_the_Bear]

I've got an ancient snooper strabo that picks up every camera including mobile and hand held. Snooper are the best for camera detectors and they come with free lifetime updates most of the time.

Is that legal?