6 points extra insurance cost
Discussion
Happy New Year
Just asking what experiences people have had when telling their insurance company that they have picked up another 3 points for speeding, raking them to 6 points.
I have stupidly picked up another SP 30 a few weeks ago. - went through what I thought was only a pedestrian crossing monitoring camera. (Marked as such) and it turns out it also acts as a speed camera! Nobody waiting to cross or in the vicinity, lights were green and I had good vision in my defence. On a road which is dual carriageway and shortly after becomes a 40.
Anyway other points date back to August 24.
Just wondering how much extra I might have to pay as will also increase my wife s!
Thanks
ETA - currently pay £500 with full no claims which is protected.
Just asking what experiences people have had when telling their insurance company that they have picked up another 3 points for speeding, raking them to 6 points.
I have stupidly picked up another SP 30 a few weeks ago. - went through what I thought was only a pedestrian crossing monitoring camera. (Marked as such) and it turns out it also acts as a speed camera! Nobody waiting to cross or in the vicinity, lights were green and I had good vision in my defence. On a road which is dual carriageway and shortly after becomes a 40.
Anyway other points date back to August 24.
Just wondering how much extra I might have to pay as will also increase my wife s!
Thanks
ETA - currently pay £500 with full no claims which is protected.
Edited by ExBoringVolvoDriver on Friday 2nd January 19:53
10-50% when going from 3 to 6 points....can vary significantly. With your current premium of £500, you might be looking at somewhere between £50-250 extra, possibly more depending on your insurer's view of multiple offenses in a short period. The fact that both offenses are relatively recent (August '24 and now) might work against you - insurers tend to view this as a pattern rather than a one-off lapse.
You might have to suck up whatever extra they decide to add on to current policies, but definitely when up for renewal shop around with all the online aggregators.
You might well find theres not much of an increase overall.
MSE is a good starting point, and they also offer advice on how to minimise quotes.
https://www.moneysavingexpert.com/insurance/car-in...
You might well find theres not much of an increase overall.
MSE is a good starting point, and they also offer advice on how to minimise quotes.
https://www.moneysavingexpert.com/insurance/car-in...
Deep Thought said:
You might have to suck up whatever extra they decide to add on to current policies, but definitely when up for renewal shop around with all the online aggregators.
You might well find theres not much of an increase overall.
MSE is a good starting point, and they also offer advice on how to minimise quotes.
https://www.moneysavingexpert.com/insurance/car-in...
They can t and won t add anything to his current policy. He doesn t even have to tell them until renewal. He can tell the, if he wants, but they cannot charge him anymore, he s already accepted the price and paid for the year (even if paying monthly). You might well find theres not much of an increase overall.
MSE is a good starting point, and they also offer advice on how to minimise quotes.
https://www.moneysavingexpert.com/insurance/car-in...
How much extra it costs next policy year is a wild guess. Bert Bert seems to have nailed it though. I ll guess at 3 shillings sixpence more.
paddy1970 said:
10-50% when going from 3 to 6 points....can vary significantly. With your current premium of £500, you might be looking at somewhere between £50-250 extra, possibly more depending on your insurer's view of multiple offenses in a short period. The fact that both offenses are relatively recent (August '24 and now) might work against you - insurers tend to view this as a pattern rather than a one-off lapse.
Cheers. - fair point - I saw my premium go up slightly with 3 points.Opapayer said:
Deep Thought said:
You might have to suck up whatever extra they decide to add on to current policies, but definitely when up for renewal shop around with all the online aggregators.
You might well find theres not much of an increase overall.
MSE is a good starting point, and they also offer advice on how to minimise quotes.
https://www.moneysavingexpert.com/insurance/car-in...
They can t and won t add anything to his current policy. He doesn t even have to tell them until renewal. He can tell the, if he wants, but they cannot charge him anymore, he s already accepted the price and paid for the year (even if paying monthly). You might well find theres not much of an increase overall.
MSE is a good starting point, and they also offer advice on how to minimise quotes.
https://www.moneysavingexpert.com/insurance/car-in...
How much extra it costs next policy year is a wild guess. Bert Bert seems to have nailed it though. I ll guess at 3 shillings sixpence more.
ExBoringVolvoDriver said:
I have checked my policy and it looks like I do need to tell them now and I will see whether they add anything on now. I shall be looking around at renewal time anyway.
They can’t. Your price is fixed for the year unless you change something through choice eg move house, or change car. The only way they can vary the price for an offence is if you lose your licence. ExBoringVolvoDriver said:
Opapayer said:
Deep Thought said:
You might have to suck up whatever extra they decide to add on to current policies, but definitely when up for renewal shop around with all the online aggregators.
You might well find theres not much of an increase overall.
MSE is a good starting point, and they also offer advice on how to minimise quotes.
https://www.moneysavingexpert.com/insurance/car-in...
They can t and won t add anything to his current policy. He doesn t even have to tell them until renewal. He can tell the, if he wants, but they cannot charge him anymore, he s already accepted the price and paid for the year (even if paying monthly). You might well find theres not much of an increase overall.
MSE is a good starting point, and they also offer advice on how to minimise quotes.
https://www.moneysavingexpert.com/insurance/car-in...
How much extra it costs next policy year is a wild guess. Bert Bert seems to have nailed it though. I ll guess at 3 shillings sixpence more.
ExBoringVolvoDriver said:
Happy New Year
Just asking what experiences people have had when telling their insurance company that they have picked up another 3 points for speeding, raking them to 6 points.
I have stupidly picked up another SP 30 a few weeks ago. - went through what I thought was only a pedestrian crossing monitoring camera. (Marked as such) and it turns out it also acts as a speed camera! Nobody waiting to cross or in the vicinity, lights were green and I had good vision in my defence. On a road which is dual carriageway and shortly after becomes a 40.
Anyway other points date back to August 24.
Just wondering how much extra I might have to pay as will also increase my wife s!
Thanks
ETA - currently pay £500 with full no claims which is protected.
Apologies if I seem a bit naive but there is a simple answer to your question . Get on a few price comparison sites for a quote by inputting your amended circumstances to include 6 points rather than your current 3 . Just asking what experiences people have had when telling their insurance company that they have picked up another 3 points for speeding, raking them to 6 points.
I have stupidly picked up another SP 30 a few weeks ago. - went through what I thought was only a pedestrian crossing monitoring camera. (Marked as such) and it turns out it also acts as a speed camera! Nobody waiting to cross or in the vicinity, lights were green and I had good vision in my defence. On a road which is dual carriageway and shortly after becomes a 40.
Anyway other points date back to August 24.
Just wondering how much extra I might have to pay as will also increase my wife s!
Thanks
ETA - currently pay £500 with full no claims which is protected.
Edited by ExBoringVolvoDriver on Friday 2nd January 19:53
ExBoringVolvoDriver said:
Happy New Year
Just asking what experiences people have had when telling their insurance company that they have picked up another 3 points for speeding, raking them to 6 points.
I have stupidly picked up another SP 30 a few weeks ago. - went through what I thought was only a pedestrian crossing monitoring camera. (Marked as such) and it turns out it also acts as a speed camera! Nobody waiting to cross or in the vicinity, lights were green and I had good vision in my defence. On a road which is dual carriageway and shortly after becomes a 40.
Anyway other points date back to August 24.
Just wondering how much extra I might have to pay as will also increase my wife s!
Thanks
ETA - currently pay £500 with full no claims which is protected.
Impossible to answer with any accuracy, too many variables.You will have wait until renewal.it may have little or no effect, conversely, a young / newish driver in a dodgy area could see a huge increase or even find their present insurer no longer wants them as a customer.Just asking what experiences people have had when telling their insurance company that they have picked up another 3 points for speeding, raking them to 6 points.
I have stupidly picked up another SP 30 a few weeks ago. - went through what I thought was only a pedestrian crossing monitoring camera. (Marked as such) and it turns out it also acts as a speed camera! Nobody waiting to cross or in the vicinity, lights were green and I had good vision in my defence. On a road which is dual carriageway and shortly after becomes a 40.
Anyway other points date back to August 24.
Just wondering how much extra I might have to pay as will also increase my wife s!
Thanks
ETA - currently pay £500 with full no claims which is protected.
Edited by ExBoringVolvoDriver on Friday 2nd January 19:53
As an aside, why do you think this will impact your wife?
martinbiz said:
Impossible to answer with any accuracy, too many variables.You will have wait until renewal.it may have little or no effect, conversely, a young / newish driver in a dodgy area could see a huge increase or even find their present insurer no longer wants them as a customer.
As an aside, why do you think this will impact your wife?
Because she has her own insurance policy on her car and I am a named driver so presumably they will increase her premium as well.As an aside, why do you think this will impact your wife?
I wasn’t aware that the insurance company can’t increase mid term.
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