Insuring a car after a short term ban
Discussion
Hi all,
I was snapped by a speed camera van a few weeks ago on Snake Pass.
I was in the Z4 travelling away from the reservoir toward Glossop. When I arrived at the long straight, the road opened up with not a car in sight and I gave the throttle a good squeeze, unfortunately forgetting for a moment that I was in a blanket 50mph zone. Seconds later I noticed the speed camera van parked in the lay-by half concealed by the foliage and he certainly noticed me. Unfortunately I was travelling well in excess of 50mph at that point and this was sufficient to warrant a court attendance, as confirmed by the surprisingly polite letter I received from the police after returning the NiP.
I haven't received my court date yet, but understand that I will either be facing 6 points and a hefty fine if I am very lucky, or a short term driving ban.
Obviously I have to take whatever punishment is deemed appropriate by the court and I figure it makes sense to plan for the worst. Therefore I wondered if anyone has experience of insuring their car after serving a short term driving ban for speeding?
My broker suggested that I would likely see a hike in premium of circa 10% following a short term ban, but this seems way too optimistic to me.
Has anyone got any experience that they would be kind enough to share?
I was snapped by a speed camera van a few weeks ago on Snake Pass.
I was in the Z4 travelling away from the reservoir toward Glossop. When I arrived at the long straight, the road opened up with not a car in sight and I gave the throttle a good squeeze, unfortunately forgetting for a moment that I was in a blanket 50mph zone. Seconds later I noticed the speed camera van parked in the lay-by half concealed by the foliage and he certainly noticed me. Unfortunately I was travelling well in excess of 50mph at that point and this was sufficient to warrant a court attendance, as confirmed by the surprisingly polite letter I received from the police after returning the NiP.
I haven't received my court date yet, but understand that I will either be facing 6 points and a hefty fine if I am very lucky, or a short term driving ban.
Obviously I have to take whatever punishment is deemed appropriate by the court and I figure it makes sense to plan for the worst. Therefore I wondered if anyone has experience of insuring their car after serving a short term driving ban for speeding?
My broker suggested that I would likely see a hike in premium of circa 10% following a short term ban, but this seems way too optimistic to me.
Has anyone got any experience that they would be kind enough to share?
No direct experience - but I did have a play on a price comparison website a year or so ago out of curiosity and found that for me there wouldn't be much difference between 6 points and a ban of 1 month in terms of future insurance costs. Either would have added about 25% to my cheapest quote, though there wouldn't have been as many insurers to choose from.
It can vary a lot depending on your own individual circumstances though. I'm middle aged, middle class, live in a low risk area and am generally rather boring. A young driver might find that it made a much bigger difference - both in absolute and percentage terms. For someone even more boring than me 10% might not be wildly optimistic - I assume your broker has some idea of what he's talking about.
It can vary a lot depending on your own individual circumstances though. I'm middle aged, middle class, live in a low risk area and am generally rather boring. A young driver might find that it made a much bigger difference - both in absolute and percentage terms. For someone even more boring than me 10% might not be wildly optimistic - I assume your broker has some idea of what he's talking about.
A few years back, I tried for and received a ban, 91 in a 60 and I got 7 days. .
Before I went to Court I asked my insurance company if a ban would rocket my insurance, the reply back was that as long as it wasnt more than 6 points or 6 months it made no differnce.
I prefered the ban to the points as I didnt want them hanging around me. In the end they gave me six points and a ban, just that the points didn,t count as I was banned.
Happy days for me.
Before I went to Court I asked my insurance company if a ban would rocket my insurance, the reply back was that as long as it wasnt more than 6 points or 6 months it made no differnce.
I prefered the ban to the points as I didnt want them hanging around me. In the end they gave me six points and a ban, just that the points didn,t count as I was banned.
Happy days for me.
Alfa159Ti said:
Interesting - thanks for sharing that.
I am 32, have max NCB and own a small professional business so would appear to be fairly desirable from an insurance risk perspective.
If anyone else has any experience they would care to share I would really appreciate it.
Definitely better than owning a large, unprofessional business.I am 32, have max NCB and own a small professional business so would appear to be fairly desirable from an insurance risk perspective.
If anyone else has any experience they would care to share I would really appreciate it.
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