Just Received an NIP
Discussion
How many of you have points on your licence? I've been down this path before (an unmarked car caught me on my bike a few years ago): ironically my bike insurance premium stayed the same although my car insurer charged me extra.
This time, though, I feel completely deflated. Like, "Why don't I just buy a car that's mild and conventional in order to escape the feeling that everyone is out to get me?" I'm expecting a hike in premiums and, of course, I'll be paying more for the next five years (because, for some reason, insurance companies want to know whether you've had any speeding convictions in the last five years, even though after three years your points are annulled).
Feeling low...
This time, though, I feel completely deflated. Like, "Why don't I just buy a car that's mild and conventional in order to escape the feeling that everyone is out to get me?" I'm expecting a hike in premiums and, of course, I'll be paying more for the next five years (because, for some reason, insurance companies want to know whether you've had any speeding convictions in the last five years, even though after three years your points are annulled).
Feeling low...
No points yet and frankly I'm astounded by that.
The only reason I can think of is that I don't use any sort of radar/gps jiggery pokery so maybe I keep my wits a bit more awake and go a bit easier on roads I don't know.
Or more likely, when the speedo is doing 3 figures and I think I'm flying along, meanwhile back in reality my speedo is probably way out and I'm only doing 65. TVR's eh!!!
Hell, it's all voodoo anyways.
The only reason I can think of is that I don't use any sort of radar/gps jiggery pokery so maybe I keep my wits a bit more awake and go a bit easier on roads I don't know.
Or more likely, when the speedo is doing 3 figures and I think I'm flying along, meanwhile back in reality my speedo is probably way out and I'm only doing 65. TVR's eh!!!
Hell, it's all voodoo anyways.
nubbin said:
Speeding points don't cost much at all - maybe an extra £20 on your premium - I know because I changed my premium after declaring an SP50, and it made virtually no difference.
The first 3 don't increase it by much but a second 3 certainly do - Its about a 20% loading with most companies.
Ive got 2 SP30's and luckily they havn't made any difference in premium for either of my cars. 
parrot of doom said:
Goto pepipoo and fight it. Don't let them take your money or your points.
I saw your link to this site on another thread a few days ago. I've taken a look and I'm not sure how I can fight it. I may have been travelling close to the quoted speed in the vicinity of Stonehenge, so that's probably not an issue. And I can't imagine how I'd prove that a laser-wielding police officer was not visible to road users at that time. If, indeed, such proof would invalidate the speeding claim.
Unless, perhaps, I can somehow pinpoint "site AU7" and compare with the photographic images the Wiltshire Constabulary kindly provided for me on-line.
when i called my insurers with my latest 5pts to add to my 3, they congratualted me on my spirited driving. Actually thats not true but she did say not to worry it wouldnt change my premium, and it didnt; renewal was 1 month later and went down!! - hastings bike insurance. she also said its rare for bikers to have less than 6... naturally im trying to get a decent length ban to really drive that premium down 
parrot of doom said:
Goto pepipoo and fight it. Don't let them take your money or your points.
pepipoo is great for technicalities and border line cases.
However, in the real world a day off work to attend court, plus the increased costs if you lose mean in the majority of cases the easiest answer is to say, "it's a fair cop guv" and take the 3 points.
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