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Re: Effect of one speed camer aticket on our car insurance
Miscellaneous UK car topics Other UK car topics (uk.rec.cars.misc)
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#1
 
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Re: Effect of one speed camer aticket on our car insurance -
05-23-2005
, 04:53 PM
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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. |
then, should she?", here's a crazy idea: stop moaning and change your
insurance company. Or at least tell your current one that you've had a
better offer and see what they say[1].
Douglas
[1] Sometimes it helps if you have actually had a better offer, but I
honestly don't think its all that difficult.
#2
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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 Sorry to hear of the increase but it is something I often thought happened |
previous convictions that the '1st speeding offence does not change policy
cost'.
Have you tried an online insurance quote to see if the pricing changes for a
car without a speeding fine and one with the fine disclosed ? Staying with
one insurance company does not always give a true cost of the fine. e.g.
Wife had our 17 year old daughter put on her insurance and renewal costs
went from £198 to £402 but another company with comparable cover cost £341.
Price was still higher but the original company could not match a comparable
quote.
Gio
#3
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#4
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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 |
Steve
#5
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"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? Steve |
--
Dan
#6
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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 |
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.
Steve
#7
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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. |
Was last year your first year with that insurance company? If so, then they
may have applied a new customer discount to the premium, and you'll have
lost that benefit this year.
Without ringing the insurance company and querying the increase in premium
you can't deduce that the increase is down to the effect of these points -
I've been told by insurance companies that they only normally penalise
people at 6 points plus.
Time to start shopping around methinks - it really doesn't pay to be a
contented customer and stay with the same company. In fact, I can't think
of an occasion when my insurance price has actually reduced at renewal time
without any intervention from me, and that's with a completely clean license
& full NCB.
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Richard Sampson
mail me at
richard at olifant d-ot co do-t uk
#8
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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. |
insurance costs for speeding points? I reckon that if one of them said
"we ignore speeding points", they'd get customers by the bucketload.
Would they then get a lot of idiotic drivers? I doubt it, since we all
know how easy it can be to get a ticket these days. And in any case,
if the fear of losing your licence due to points totting up is
supposed to be a deterrent, then drivers with more points might be
those who are less likely to be in an accident anyway. I'd imagine
someone with 9 speeding points drives *very* carefully these days...!
andyt
#9
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On Mon, 23 May 2005 20:53:59 +0100, "Gordon Hudson" gordon (AT) usenet2 (DOT) hostroute.co.uk> wrote: 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. I wonder if the insurance companies are legally forced to increase the insurance costs for speeding points? I reckon that if one of them said "we ignore speeding points", they'd get customers by the bucketload. Would they then get a lot of idiotic drivers? I doubt it, since we all know how easy it can be to get a ticket these days. And in any case, if the fear of losing your licence due to points totting up is supposed to be a deterrent, then drivers with more points might be those who are less likely to be in an accident anyway. I'd imagine someone with 9 speeding points drives *very* carefully these days...! carefully, or do you mean rear-ends someone cuz they are peering at the |
#10
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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. |
and change insurer, the company I'm with don't charge extra even if
you've been banned for speeding, as long as it's for a single speeding
offence
my son, who drives on my insurance, has 3 points for jumping a red
light, that wasn't taken into account either and they were the cheapest
by far for insuring a 17 year old
LJ
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