johnandhissaffy

iTrader: (1)

iv just got 3 points i got done doing 97mph on the a13 near pitsea fly over he said he could of banned me for it but i said to him that i understand what i did wrong and that but yh can anyone help me out with insurance what do i need to do and will it badly affect my insurance

wirralphil

Be glad it wasn't over 100mph.

Tell your insurance next time you insure that you have been a knob and got caught speeding HTH.

johnandhissaffy

iTrader: (1)

yh will it be much more expensive do you recon mate have you ever had any ??

Rick Astley

He can't ban you. He can give you points which are applicable by law. In the event that they should tot up to 12 points then he cannot give you points and you must go to court.

But yes, be glad you weren't caught at 100mph.

3 points I presume you got?

You should inform your insurer immediately, NOT the next time you renew.

johnandhissaffy

iTrader: (1)

yh it was the 3 points will it badly affect my insurance

mk3matt

i doubt it mate its unique for each person, but often it it hardily changes it at all, if anything... 6+ then its a bit worse

Dar-rst

should be ok mate, i got 5 points for undue car and attention this time last year in the 328 lol not good tho crash kinda hurt too

johnandhissaffy

iTrader: (1)

so its not the end of the world then the copper said go slow till tou have been driving 2 years then i can get 12 points is that right ?

Paulo P

3 points doesn't do much damage these days mate, how old are you? If you have had your license more than 2 years just take it on the chin there is nothing else to do these days

johnandhissaffy

iTrader: (1)

it will be 2 years in January but my cover runns out in march will that be ok or am i screwed ??

taz1787

iTrader: (8)

if i'm right until he's had license 2 years he can only get 6 points max so if copper gave him 6 points there and then he would be in court as in he's reach max points so he could of got ban that way

johnandhissaffy

iTrader: (1)

so once i have 2 years i can get 12 is that right

Rick Astley

As I said above the copper cannot ban you, it must go to court.

3 points is nothing on insurance. I believe the only thing Insurers dont take kindly to is TS offences and Drink Driving offences.

Rick Astley

Correct.

Just a word of advice though... Points do not mean prizes so don't aim for 12

taz1787

iTrader: (8)

yes 3 points don't make too much difference on insurance

but may do as he's a new driver they clamping down on new drivers big style

johnandhissaffy

iTrader: (1)

yep oh well as said in this thread ill take it on the chin

JayCC

After 2 years you can get up to 12. If you get another 3 by January. You're Fucked.

johnandhissaffy

iTrader: (1)

cheers jay mate thats the answer i wanted no more silly going fast 4 a few months not that i do that much anyway

cossie4i+

iTrader: (15)

Don't forget to inform your insurance company now of your points, not when you renew.

Steve

matts1

My insurance said "makes no difference to the policy, it is near impossible not to get 3 points with so many camera's on the roads"

kniterider

im 20, have 1 years no claim and have 6 points. made little difference to the price of my insurance...they still dry arse rape me, but so does the two speed cameras at the same time, my arse looks like the london underground

johnandhissaffy

iTrader: (1)

oh yh so me and you are in the same boat then lol
im 20 with almost 2 years driving

kniterider

almost. iv had my licence 3 years as of last sunday but yea about the same.

like i say tho the points made little difference in the price. both were sp30's (speeding) one on the 17 sept 2006 (motorbike licence(had that longer than car) and the other 20 june 2008

tabetha

First thing the copper can't ban you period, this is done in a court, it is NOT a automatic ban at 12 points or for 30 over the limit, it more often is but there are countless exceptions.
As said legally you need to inform your insurer NOW, as if undisclosed the insurance is void, so if plod stops you and checks as he's allowed to do, what state you said your license was in points wise and found you had three points undisclosed he will nick yo there and then for driving without insurance, which I'm sure is 6-9 points.
My bro was let off a ban for paying a higher fine, he is or rather was on 13 points, he's now down to 6.
Most insurers ignore 2 speeding convictions.
I myself went to court today, Crown Court(Norwich) that is on a charge of dangerous driving, there was even video tape of the incident(from camera van), but the judge accepted my argument that the "driver" could not be identified, as they were wearing a balaclava, and being the registered keeper could not infer ownership let alone the driver being said keeper.
I won cps lost, and offered "no evidence", the muppets could have had a section 172(failure to disclose) but by the time they got greedy with a more serious charge they were out of time to do anything about the 172.
There is a cast iron way to get off a speeding charge, it costs Ł37, pm me if interested.
tabetha

mr_joe0606

iTrader: (1)

i did a speed awareness course wen i got caught speeding and they said the most the insurance companys can charge per point is Ł50.

Glenn_

iTrader: (1)

I got caught this year too.I got 3 points and a 60 quid fine.

kosman

i had nine points on my license at 21 and didnt have any problem insuring cars,xr4is rs turbo etc,you'll be ok,they might bump the price a bit at renewal but have a good ringing round session some one will do it cheaper,paul at need to insure is sound so try him,he insures both my cars,reet helpful too

fuzzy

3 points for a new driver will effect insurance more than a long term driver getting 3.
my insurer used to add 15% for every 3 points with another 25% on reaching 12 but im a long term driver.
only a chat with your insurer will give you the proper info.

jammerrs

so if he tells his insurance now, will he have to pay more now or just when its renewal time?

kosman

normally when its renewal time he will pay extra.

KregRS

And they fookin hate IN offences...
While we're on the subject of points, does the expiry date go from date of offence or date of conviction?

fuzzy

offences are different. speeding and insurance is from date of offence.dangerous driving,drink driving or death by careless etc is from date of conviction iirc.

KregRS

Thats a result then, i can get my points/bans removed in March. Got banned in June and August 06, insurance offences, date of offences were all in March 06.

fuzzy

yep, but you still need to declare for another year to your insurer then change insurers after that year and tell them nothing.

dakar

iTrader: (1)

It doesnt have to be over 100mph to get a ban,you only have to exceed the limit by 27mph and you can get banned ie 88mph in a 60 could get you banned.Have got 14 points at the mo all for speeding and am still not banned

KregRS

Who said it has to be 27mph over to get a ban? I got pulled doing 80 in a transit on a dual carriageway, 20mph over the limit and picked up a 6wk ban for it. Points, bans and whatever are all down to the judge/magistrates discretion, I've been in court for offences I should have got points for, and possibly banned, and walked out with nothing, yet the speeding in the Transit I was advised to expect points, but ended up with a short ban, its all down to the magistrate on the day.
Likewise, 12points doesn't always mean a ban, I've had 13 in the past and kept my licence.

tabetha

You can also get banned for speeding, when you are doing LESS than the speed limit.
People who ignore temporary 20 limits etc on new gritted roads can be banned as recent case law said/decided any temp speed measure put up by council or contractors was within law, ie enforcable, whereas previously it wasn't.
Another is speeding still less than the limit, but when it is not safe to do so, 25mph through a really heavy packed saturday market in the High Street for example, all it takes is a copper to consider it to be too fast.
tabetha