Multi-Car Policy - CU80 offence puts up premium by £800!!!!
Discussion
Sounds good value given that you and your family sound like a right load of liabilities! 
You don't KNOW WITH 100% certainty what penalties you have and you're 23. christ on a bike.
and the whole family getting caught for stuff. don't you have eyes?
between my dad, my step mum, my father in law, my brother in law, my mother in law, me, my wife in the past ***40*** years we have 1 sp40(??) 1 sp30, 2 no fault accidents and one that was no fault but had to claim (that was me hurrah).
and on average each of those people is doing 10k miles a year with some more and some less.
You don't KNOW WITH 100% certainty what penalties you have and you're 23. christ on a bike.
and the whole family getting caught for stuff. don't you have eyes?
between my dad, my step mum, my father in law, my brother in law, my mother in law, me, my wife in the past ***40*** years we have 1 sp40(??) 1 sp30, 2 no fault accidents and one that was no fault but had to claim (that was me hurrah).
and on average each of those people is doing 10k miles a year with some more and some less.
no my younger brother is 23 - he has no points - my dad has nothing - my sister has nothing - i have 6 points from 2007 and 3 from 2009 - for dvla purposes i have 3 points on my licence for insurance purposes i have 9 points on my licence!!!! - the 2 sp30's were speed cameras - 1 at 34mph and 1 at 37mph!!! it sounds a lot worse than it is!!!!
Cu80 will affect the premium hugely with admiral, with speeding (sp30 etc) you tend not to be distracted so if you need to brake or avoid something you have a chance.
On a mobile you're usually distracted so accidents tend to be full speed impacts rather accidents that happen just after heavy braking.
On a mobile you're usually distracted so accidents tend to be full speed impacts rather accidents that happen just after heavy braking.
Sounds reasonable to me. CU80 is basically a form of driving without due care and attention. briSk said:
Sounds good value given that you and your family sound like a right load of liabilities!
You don't KNOW WITH 100% certainty what penalties you have and you're 23. christ on a bike.
and the whole family getting caught for stuff. don't you have eyes?
between my dad, my step mum, my father in law, my brother in law, my mother in law, me, my wife in the past ***40*** years we have 1 sp40(??) 1 sp30, 2 no fault accidents and one that was no fault but had to claim (that was me hurrah).
and on average each of those people is doing 10k miles a year with some more and some less.
My brother is the 23 year old not me!!! But the reason I phoned up the DVLA is for this - if I had my licence stolen tomorrow then the replacement would come back with only 3 points on it, as 6 points would be wiped off by dvla. If I then did an insurance quote and it asks me for the last 5 years then they will not be on my licence will they. So i thought better to check and put everything down. I wonder how many people get caught out by the points not being on their licence but still are withing the 5 years that the insurance companies ask for.You don't KNOW WITH 100% certainty what penalties you have and you're 23. christ on a bike.
and the whole family getting caught for stuff. don't you have eyes?
between my dad, my step mum, my father in law, my brother in law, my mother in law, me, my wife in the past ***40*** years we have 1 sp40(??) 1 sp30, 2 no fault accidents and one that was no fault but had to claim (that was me hurrah).
and on average each of those people is doing 10k miles a year with some more and some less.
Don't get me wrong i know that about 97% of sp30s are b
ks. I also now that about 90% of scameras are fluro yellow! 
if you were checking to see if something was out of the system and therfore 'avoidable' then i kind of have some sympathy..if you can;t remeber what you've had handed out to you that's another story!
ks. I also now that about 90% of scameras are fluro yellow! if you were checking to see if something was out of the system and therfore 'avoidable' then i kind of have some sympathy..if you can;t remeber what you've had handed out to you that's another story!
For example an SP30 offence must stay on licence for 4 years.
Offence commited 20/03/2007 so comes off licence 20/03/2011 if i lose/have stolen my licence on the 21/03/2011 and apply for a new one then the new licence would arrive without this offence on there. Insurance companies ask for the last 5 years so from my replacement licence I would not be able to tell if there was an offence there or not - hence I rang the DVLA to confirm - then the DVLA say that they don't know either as they only keep SP 30's for 4 years - I then ask if the the insurance companies can find out and he said no they look at the same thing as what I am looking at - just the 4 years. So why do insurance conmpanies ask for the previous 5 years?
Offence commited 20/03/2007 so comes off licence 20/03/2011 if i lose/have stolen my licence on the 21/03/2011 and apply for a new one then the new licence would arrive without this offence on there. Insurance companies ask for the last 5 years so from my replacement licence I would not be able to tell if there was an offence there or not - hence I rang the DVLA to confirm - then the DVLA say that they don't know either as they only keep SP 30's for 4 years - I then ask if the the insurance companies can find out and he said no they look at the same thing as what I am looking at - just the 4 years. So why do insurance conmpanies ask for the previous 5 years?
Put is this way theres no way she would/will ever get points for speeding!!!
Also whilst i was looking/googling insurance etc etc. the following scenario appeared which I think is completely wrong:
A guy gets a DR10 (driving with excessive alcohol) - say on the 23/02/2006 - so today is 5 years and a day on from his conviction - the DR10 will stay on his licence until 23/02/2017 but for insurance purposes he can answer the question 'have you had any convictions etc etc' in the last 5 years with a NO eventhough he still has a DR10 on his licence for another 6 years!!!! Furthermore if he hasn't been to prison and was just banned and fined also his criminal conviction is now 'spent'! due to the rehabilitation of offenders act or whatever it is. I really don't think this is enough of a deterrent for drink drivers - as in theory you could get a 2 year ban from driving (therefore don't need insurance) and then when you are back on the road you only have to suffer 3 years of crazy insurance prices before you become a 'normal' citizen as far as insurance in concerned!!! I have been on quite a few sites looking at car insurance and not one had asked 'have you ever been convicted of drink driving' all they seem to be bothered about is the last 3 years claims and then last 5 years convictions!!!!
Also whilst i was looking/googling insurance etc etc. the following scenario appeared which I think is completely wrong:
A guy gets a DR10 (driving with excessive alcohol) - say on the 23/02/2006 - so today is 5 years and a day on from his conviction - the DR10 will stay on his licence until 23/02/2017 but for insurance purposes he can answer the question 'have you had any convictions etc etc' in the last 5 years with a NO eventhough he still has a DR10 on his licence for another 6 years!!!! Furthermore if he hasn't been to prison and was just banned and fined also his criminal conviction is now 'spent'! due to the rehabilitation of offenders act or whatever it is. I really don't think this is enough of a deterrent for drink drivers - as in theory you could get a 2 year ban from driving (therefore don't need insurance) and then when you are back on the road you only have to suffer 3 years of crazy insurance prices before you become a 'normal' citizen as far as insurance in concerned!!! I have been on quite a few sites looking at car insurance and not one had asked 'have you ever been convicted of drink driving' all they seem to be bothered about is the last 3 years claims and then last 5 years convictions!!!!
kambites said:
Why not? They have every right to ask as far as I know. They will also ask if you've had any accidents in the last five years, and that isn't necessarily recorded anywhere.
If you are saying that you have built up a no claims bonus then the new insurer will want proof of that so they will just contact old insurance company - or i guess what normally happens is that will only contact old insurance company if you make a claim and then if you didn't have any no claims then they wouldn't pay out!!kambites said:
F458 said:
So why do insurance conmpanies ask for the previous 5 years?
Why not? They have every right to ask as far as I know. They will also ask if you've had any accidents in the last five years, and that isn't necessarily recorded anywhere. kambites said:
ZOLLAR said:
All claims,incidents are noted on the claims database which all insurers should have access too.
How would the insurers ever know if no claim was made? They typically ask about accidents not claims. Edit, the question asked is " Has any driver had any accidents,losses, thefts, incidents or claims in the last 3 years regardless of fault?"
ZOLLAR said:
If you have an accident etc then you need to tell your insurer this is then noted on the claims database, even if you don't go through your insurer you need to advise them that the incident took place.
Even if you weren't the holder of the insurance policy on the car in which you had an accident? I thought they were recorded against the policy holder, not the driver. You might not even be named on the insurance policy in question if, for example, it was trade insurance or a fleet policy.Edited by kambites on Thursday 24th February 14:30
Is it related though? My insurance was £300 and after a minor collision which remains contested a year later and seems to be lacking any momentum so far as proceedings are concerned, the "renewal" was £1200.
It's their way of saying "F*** O**" as I got the same insurance for £300 elsewhere.
It's their way of saying "F*** O**" as I got the same insurance for £300 elsewhere.
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