agree with shane.insurance company told me they take a harder line on jumping a red than an sp30 as it shows your willing to take risks in a possibly dangerous situation.my insurance went up 15% for each 3 points i got for 3 sp30's.if id got a 4th it would have been 15% for the points and another 25% for getting a ban.when 6 of my points came off though,the premium didnt go back down.tossers.