speeding points/ insurance

hannah1988 · Post by **hannah1988** » Tue Mar 21, 2006 8:22 pm

Hey guys n gals, can u help!? need to know how much ur insurance goes up with a speeding conviction of 12mph over = £60 and 3 points...but how will it affect the insurance? any ideas?
Plus is it worth declaring it, even tho it wasnt the main driver but the policy holder driving!? thanks!

Karen · Post by **Karen** » Tue Mar 21, 2006 10:47 pm

Its not a choice of worth declaring it or not, u have to otherwise it will invalidate your insurance.
Basically once yoru licence gets sent off to dvla it goes thru the computer system so insurance companies know straight away if u have points or not. So if u dont declare them and u have an accident u lose out as u have no insurance.
It shouldnt go up by that much I dont think, prob about £50-£100. But worth paying that to still have insurance rather than invalidating your policy by not declaring it.

jcs · Post by **jcs** » Wed Apr 12, 2006 7:28 pm

[quote=\"Karen\"]Its not a choice of worth declaring it or not, u have to otherwise it will invalidate your insurance.
Basically once yoru licence gets sent off to dvla it goes thru the computer system so insurance companies know straight away if u have points or not. So if u dont declare them and u have an accident u lose out as u have no insurance.
It shouldnt go up by that much I dont think, prob about £50-£100. But worth paying that to still have insurance rather than invalidating your policy by not declaring it.[/quote]

totaly agree.ive got 6 points.3points for speeding at 41mph in a 30 £60 fine,and 3 points speeding at 38mph in a 30 i told my insurance company went up around £100 -£150

~ Joe ~ · Post by **~ Joe ~** » Wed Apr 12, 2006 11:37 pm

i agree with both the above

1 thing ? how do u get caught speeding lol, its beyond me, i speed around etc but dont get caught, even when my speedo was broke i still didnt get caught lol

Karen · Post by **Karen** » Thu Apr 13, 2006 10:46 am

Either by speed cameras at side of the road. Or by a gun, where the police could be hiding at the side of the road and use a laser type gun to check your speed. They wouldnt stop u though if caught this way unless they seen u doing exsessive speeds. You would just get sent out a letter with your details etc and speed u were doing and name of the road time etc

D4MO B · Post by **D4MO B** » Thu Apr 13, 2006 2:33 pm

3 points will put your insurance up about £10-£20. It they try £100 odd quid i\'d tell them to get stuffed

So many people have SP30\'s these days it hardly does anythign to your insurance.

I really wouldn\'t worry about it. Be cautious next time, and declare it otherwise it\'ll screw you.

And if you have been driving under 21 years, take it VERY easy as you only have 3 more left....

FasT · Post by **FasT** » Thu Apr 13, 2006 3:26 pm

[quote=\"~ Joe ~\"]

1 thing ? how do u get caught speeding lol, its beyond me, i speed around etc but dont get caught, even when my speedo was broke i still didnt get caught lol[/quote]

I wa thinkin jus like u as nothin ad apend to me for 2 yrs after passin my test until one day got pulled over by an undercover cop car and he sed i wa doin 40 in a 30. undercover cops are the worst. few weeks later i kept gettin followed radomly lol but i wa gud.

o and that undercover cop dint even book me so im wonderin if he wa bullshittin as tbh i dint fink i wa over the limit. since then i see so many cops everywhere!!!