9 Points...3 not 'live' come next week...Insurance?
Discussion
Hi folks...having commented last week that 3 of my 6 speeding points will not be 'live' come next Thursday, I went and got another ticket yesterday - 42 in a 30 - it's fair cop as they say!
So in effect, come next Thursday, I'll have 9 points on my license, 3 of which will remain on my license for another year but will not be 'live' in terms of totting up (and the other three will not be 'live' come next February 2015)
I was just wondering how severe the impact on my insurance will be as I believe companies ask for your points history over 5 years. So even although (all going to plan!) I'll have 6 points on my license come my renewal time at the end of this years, I'll have to declare 9 points overall.
I'm a bit worried as I only bought my car (BMW M135i late last year) and have visions of it increasing by mega bucks....anyone with any experience?
Cheers,
And yes, before you say it...I'll slow down.
So in effect, come next Thursday, I'll have 9 points on my license, 3 of which will remain on my license for another year but will not be 'live' in terms of totting up (and the other three will not be 'live' come next February 2015)
I was just wondering how severe the impact on my insurance will be as I believe companies ask for your points history over 5 years. So even although (all going to plan!) I'll have 6 points on my license come my renewal time at the end of this years, I'll have to declare 9 points overall.
I'm a bit worried as I only bought my car (BMW M135i late last year) and have visions of it increasing by mega bucks....anyone with any experience?
Cheers,
And yes, before you say it...I'll slow down.
I can't understand how many points you've got.
You have to declare all points that you have had in the last 5 years plus any pending prosecutions including NIPs received.
As an example.
3 points in May 2009
3 points in May 2010
3 points in May 2012
3 points in May 2013
NIP received yesterday
Insurance due for renewal on 30th April
You declare all 4 sets of points and the NIP. What it does to your insurance is specific to you and your circumstances and other underwriting criteria will dictate that along with whichever insurer you choose. Some high risk insurers will love you, Saga will probably not bother quoting, but they wouldn't anyway if you were under 50, other lower risk appetite insurers might see your premium go orbital.
You have to declare all points that you have had in the last 5 years plus any pending prosecutions including NIPs received.
As an example.
3 points in May 2009
3 points in May 2010
3 points in May 2012
3 points in May 2013
NIP received yesterday
Insurance due for renewal on 30th April
You declare all 4 sets of points and the NIP. What it does to your insurance is specific to you and your circumstances and other underwriting criteria will dictate that along with whichever insurer you choose. Some high risk insurers will love you, Saga will probably not bother quoting, but they wouldn't anyway if you were under 50, other lower risk appetite insurers might see your premium go orbital.
My experience has been that with sensible insurers the effect of egregious hoonage on premium is not that vast. I have recently done the usually tartish customer move. Footman James insure my classic wrecks for approximately 2p a decade. For my modern(ish) heap I have gone to Chaucer Direct, who answer the phone quickly, are sensible to talk to and don't read you long scripts, and who offered me a decent premium despite speedy points. I have 947 years no claims, which helps a bit, perhaps, and live in an area where the last recorded crime was in 1649, and my cars are all worth approximately four quid on a good day, but shop around and see what you can find.
The big thing to remember is that if you are in any way 'economical with the truth' then, come the time you REALLY need them, they can equally be economical with your cover.
You will have to listen to what they ask & answer the question they ask, these are normally (but not exclusively) any claims in last 5 years? Any points in last 5 years? Any pending prosecutions?
You will have to listen to what they ask & answer the question they ask, these are normally (but not exclusively) any claims in last 5 years? Any points in last 5 years? Any pending prosecutions?
pork911 said:
A contract of utmost good faith 
Regardless just be entirely open and honest about the situation, don't try to be clever on the wording of any questions etc
Whilst as a general "moral" principle it should always apply, I don't think it does apply to consumer contracts anymore.Regardless just be entirely open and honest about the situation, don't try to be clever on the wording of any questions etc
Answer the questions asked.
100s of years of insurance principle out of the window to protect the consumer.
Thread wandering yet further: I don't regard elitism as a dirty word. All societies need elites, as otherwise they cannot move forwards. The thing to do is to select and train the elites purely on merit, not by reference to birth or wealth or any other criteria. This country needs more elite schools and universities, not fewer of those, but all governments fear being branded as supporters of elitism, as that term generally carries a negative meaning, and so we get a slow race to the middle.
Latin should not generally be used in public except for telling bad jokes and awarding degrees (bad or good ones, but preferably good ones), but it would be a sad world if no one learned, read or spoke Latin any more.
Latin should not generally be used in public except for telling bad jokes and awarding degrees (bad or good ones, but preferably good ones), but it would be a sad world if no one learned, read or spoke Latin any more.
Breadvan72 said:
Thread wandering yet further: I don't regard elitism as a dirty word. All societies need elites, as otherwise they cannot move forwards. The thing to do is to select and train the elites purely on merit, not by reference to birth or wealth or any other criteria. This country needs more elite schools and universities, not fewer of those, but all governments fear being branded as supporters of elitism, as that term generally carries a negative meaning, and so we get a slow race to the middle.
Latin should not generally be used in public except for telling bad jokes and awarding degrees (bad or good ones, but preferably good ones), but it would be a sad world if no one learned, read or spoke Latin any more.
The problem is that too many people don't even realise there's a difference between elitist and elitism.Latin should not generally be used in public except for telling bad jokes and awarding degrees (bad or good ones, but preferably good ones), but it would be a sad world if no one learned, read or spoke Latin any more.
It's at this point I could offer a pre-prepared rant about Grammar Schools, and how they were closed down because of this.
Snowboy said:
The problem is that too many people don't even realise there's a difference between elitist and elitism.
It's at this point I could offer a pre-prepared rant about Grammar Schools, and how they were closed down because of this.
I disagree about the reason for moving away from grammar schools. The comprehensive idea was meant to give everyone a fairer shake. Sometimes it worked (it worked for me), sometimes it didn't. Bad execution of a good idea does not make the good idea a bad one. When ever anyone bangs on about grammar schools I say "yeah, but what about those secondary moderns?", and suggest that the grammar school fan should read "Kes" and/or watch the film of the book.It's at this point I could offer a pre-prepared rant about Grammar Schools, and how they were closed down because of this.
Even CMD does not think that grammar schools are the answer and that is one of the things that I agree with him about.
I'm the product of a grammar school.
Working class parents meant I would have been at the local factory at 16 had I gone to the local comp, but a lucky break on the 11+ exam gave me a different choice.
Grammar School lead to Uni, to a decent degree.
I think that neither is better as such (assuming 'good' schools of either type), but they are different.
They offered different teaching styles and different environments.
And kids are different, so having different options for different kids is a good thing.
Now we have just one school type.
Well, unless you're willing to pay.
Oh, I saw Kes as a play.
The school drama club did it.
Working class parents meant I would have been at the local factory at 16 had I gone to the local comp, but a lucky break on the 11+ exam gave me a different choice.
Grammar School lead to Uni, to a decent degree.
I think that neither is better as such (assuming 'good' schools of either type), but they are different.
They offered different teaching styles and different environments.
And kids are different, so having different options for different kids is a good thing.
Now we have just one school type.
Well, unless you're willing to pay.
Oh, I saw Kes as a play.
The school drama club did it.
My parents were working class too, Snowboy. (Even my dad has reluctantly to admit that he is middle class now, but becoming so was for him was a slow process). I went to a comp and then to university and got a good degree. Grammar schools are A route to social mobility, but not THE route.
Hi folks - thanks for the input. I in no way intend to be economical with the truth.
Just to clarify...I have 9 points at present but 3 won't be valid for totting up purposes come next Thursday so I'll then be back to 6 which is the same as before. It's just that I'll have to declare 9 within 5 years to the insurance company when I renew, hence my original question.
Hopefully the fact that 6 will be 'live' as per last time will mean that the increase will be slight...here's hoping!
Just to clarify...I have 9 points at present but 3 won't be valid for totting up purposes come next Thursday so I'll then be back to 6 which is the same as before. It's just that I'll have to declare 9 within 5 years to the insurance company when I renew, hence my original question.
Hopefully the fact that 6 will be 'live' as per last time will mean that the increase will be slight...here's hoping!
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