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Re: Effect of one speed camer aticket on our car insurance

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  #11  
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Steve Sweet
 
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Default Re: Effect of one speed camer aticket on our car insurance - 05-24-2005 , 02:00 PM






Hi There

Quote:
Of course the cops would never think of putting a fixed camera here -
instead one of the little c*nts hides
his motorcycle behind a sign half a mile up the road and peers around with
his radar.

Ha ha!!

So thats a cunt on a motorbike as opposed to a cunt in a car doing 70 in a
40 zone!


--

(º·.¸(¨*·.¸ ¸.·*¨)¸.·º)
«.·°·. Steve .·°·.»
(¸.·º(¸.·¨* *¨·.¸)º·.¸)





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  #12  
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Questions@forgotten.what.this.was.now.com
 
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Default Re: Effect of one speed camer aticket on our car insurance - 05-25-2005 , 09:04 AM






Apparently on date Mon, 23 May 2005 20:53:59 +0100, "Gordon Hudson"
<gordon (AT) usenet2 (DOT) hostroute.co.uk> said:

Quote:
Wife was caught doing over 30 in a 30mph limit.
Told the insurance company.
Got renewal letter.

Last year we paid ?220 with one year's NCB
This year we are paying ?298 with two years NCB
Some insurance companies do this, or have tried to repeatedly where I've been
watching. Some people pay the renewal without shopping around so they can get
more money this way.

Ringing round will:

1) let you find someone offering nearer the 220, as likely as not,

2) provide the option to test quotes with, and without, the conviction, so you
can see how much difference it really makes,

3) insurance does go up when the government invents a new tax to impose on us
all, e.g. NHS claiming back medical treatment from car insurers, ambulance
chasing paralawyers adding to the cost of things, etc.

At the moment you are assuming the whole rise is due to the conviction - this
is rather a stretch, I would definitely not anticipate it to be true.




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  #13  
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Questions@forgotten.what.this.was.now.com
 
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Default Re: Effect of one speed camer aticket on our car insurance - 05-25-2005 , 09:09 AM



Apparently on date Tue, 24 May 2005 11:40:50 GMT, "Steve" <no.way@com> said:

Quote:
Thats actually quite unusual, they dont generally charge for the first 3
points but they still require to be told. Was it an otherwise clean
licence?

Steve


We don't know how fast she was going and how many points she got...

Thats why I said for the first 3 points and asking if it was an already
clean licence.

Having said that now the government are trying to make speeding as much of a
social unacceptable crime as drink driving maybe the insurance companies are
oblidging by making premiums reflect this over serveral years as a deterent.
That's not easy to do, the insurance companies are in competition and if you
play political correctness by inflating some group of your customers without a
statistical reason, your competitors will not do that and you will lose that
group of customers to them.

It's plausible that the government introduce a "speed insurance tax" and make
ICs load 30 quid per speeding point on a licence that goes directly to
government, but this would be out in the public domain and we would have
questions about it from opposition, people complaining about illegal double
jeopardy, etc.




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  #14  
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icedog
 
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Default Re: Effect of one speed camer aticket on our car insurance - 05-25-2005 , 04:03 PM




"Gordon Hudson" <gordon (AT) usenet2 (DOT) hostroute.co.uk> wrote

Quote:
Wife was caught doing over 30 in a 30mph limit.
Told the insurance company.
Got renewal letter.

Last year we paid £220 with one year's NCB
This year we are paying £298 with two years NCB

I think these points last for 5 or 6 years so in total its costing us
about
10 times what the original fine was.


Well, apparently the proposed revised system will give you 2 points for a
slightly lower speeding infraction, so ever more drivers will find
themselves in the fiscal slurry.

Short answer, don't break limits. What you have outlined is the price of
doing so to gain a few seconds- is it worth it??

Icedog.




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  #15  
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Steve Walker
 
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Default Re: Effect of one speed camer aticket on our car insurance - 05-25-2005 , 05:33 PM



In message <UzCke.90323$a9.81911 (AT) fe3 (DOT) news.blueyonder.co.uk>, Steve
<no.way (AT) com (DOT) ?.invalid> writes
Quote:
"Gordon Hudson" <gordon (AT) usenet2 (DOT) hostroute.co.uk> wrote in message
news:429234d9$0$38039$5a6aecb4 (AT) news (DOT) aaisp.net.uk...
Wife was caught doing over 30 in a 30mph limit.
Told the insurance company.
Got renewal letter.

Last year we paid £220 with one year's NCB
This year we are paying £298 with two years NCB

I think these points last for 5 or 6 years so in total its costing us
about 10 times what the original fine was.

Thats actually quite unusual, they dont generally charge for the first 3
points but they still require to be told. Was it an otherwise clean licence?
My insurance went up by 25% (IIRC) when I picked up three points. The
company I was with (and had been with a while) went from being a lot
cheaper than other companies to being only slightly cheaper.

I would expect the massive increase in the number of drivers with points
to make them a poorer measure of driver risk than they used to be.

--
Steve Walker


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