frank ryan Posted December 4, 2011 Share Posted December 4, 2011 didn't affect mine Link to comment Share on other sites More sharing options...
Riannon Posted December 4, 2011 Share Posted December 4, 2011 Is that true? Have other people found this to be the case? You are supposed to report the incident to your insurance company if you take the points but not if you take the course. Now whether they would increase the premium is debatable. However if 12 months down the line you pick up another 3 points they certainly will and 3 points on your license simply takes you 3 points nearer to a ban. I nearly forgot. You do get 2 nice cups of coffee and some biscuits for your £25. Link to comment Share on other sites More sharing options...
oldprune Posted December 4, 2011 Share Posted December 4, 2011 OK, I been a naughty boy, I got caught doing 79mph on a motorway and now I have a choice. I can go on a speed awareness course or I can have 3 points on my licence. If I go for the speed awareness course it will cost £85, however if I go for the 3 points it will cost £60 and 3 points. On paper it seems the £60 is the obvious punishment, however if I have 3 points does this mean I have to pay more for car insurances premiums? Obviously, we want to keep our household costs down, and the last thing we want is a silly hike in our insurance because of a minor speeding offence http://www.honestjohn.co.uk/forum/post/index.htm?t=82909 Hi All, Simply put my car insurance was renewed 7th Jan 2010 (have been with the same company many yrs, up till now i had been happy), im 28 yr old with 7 yrs no claims, and no points, until now... On Dec 29th 2009, I was caught speeding by a fixed camera, and only found out mid Jan that I was to be fined, when I got the letter in the post. They offered me a Speed awareness course or 3 pts, the course was far away from me, would have involved taking a day off work, etc. so I called the company up to ask how either would affect my premium, I was told that in this yrs premium there will be no change, but next yrs there may be some impact, and it would work out the same whether I attended the course or took the points, so I chose the points. I called up today, and was told that my premium would be increased for this yr by £115 because of these points, when I had already done a few online searches of the scenarios of having 3 pts vs not having, and my premium was up just £45. Am I now stuck with them for this full yr? and have to pay this additional £115, cos obviously at the time of renewal I didnt know I was getting points, and would have accounted for the points when I shopped around. Link to comment Share on other sites More sharing options...
bullerboY Posted December 4, 2011 Share Posted December 4, 2011 I cannot understand why anyone sticks with the same insurance company,your premiums will rise anyhow,keep changing them and you are classed as a new customer and get a discount. Link to comment Share on other sites More sharing options...
oldprune Posted December 4, 2011 Share Posted December 4, 2011 I cannot understand why anyone sticks with the same insurance company,your premiums will rise anyhow,keep changing them and you are classed as a new customer and get a discount. I don't think that you have quite grasped what this thread is about. Link to comment Share on other sites More sharing options...
JFKvsNixon Posted December 4, 2011 Share Posted December 4, 2011 OK, I been a naughty boy, I got caught doing 79mph on a motorway and now I have a choice. I can go on a speed awareness course or I can have 3 points on my licence. If I go for the speed awareness course it will cost £85, however if I go for the 3 points it will cost £60 and 3 points. On paper it seems the £60 is the obvious punishment, however if I have 3 points does this mean I have to pay more for car insurances premiums? Obviously, we want to keep our household costs down, and the last thing we want is a silly hike in our insurance because of a minor speeding offence I'd do the course, as someone else said if you accept the points and then you get stopped for speeding again it'll all start to add up. Hopefully, after going on the course you'll not get stopped for speeding again. Link to comment Share on other sites More sharing options...
Tardis Posted December 4, 2011 Share Posted December 4, 2011 Some insurers will increase the premium for a few points, others will not. Some insurers now recognise that the police are abusing the system to extort money and thus do not penalise. If you would like the name of an insurance company that does not penalise for a few points, PM me. I chose not to do the awareness course as it would have cost me about £250 altogether. Link to comment Share on other sites More sharing options...
swordfish1 Posted December 4, 2011 Share Posted December 4, 2011 I cannot understand why anyone sticks with the same insurance company,your premiums will rise anyhow,keep changing them and you are classed as a new customer and get a discount. Not necessarily. Every year I shop around. For the last 4 I've been with Morethan. None of the comparison sites, direct line and others have come within £30. I have got money off every year from Morethan and pretended/lied/fibbed (delete as appropriate) that I could get it cheaper elsewhere. Some loyalty discounts are bigger than new customer discounts Link to comment Share on other sites More sharing options...
barrywhite Posted December 4, 2011 Share Posted December 4, 2011 79 and you got 3 points?? where and how did you get caught?? Link to comment Share on other sites More sharing options...
bullerboY Posted December 4, 2011 Share Posted December 4, 2011 Not necessarily. Every year I shop around. For the last 4 I've been with Morethan. None of the comparison sites, direct line and others have come within £30. I have got money off every year from Morethan and pretended/lied/fibbed (delete as appropriate) that I could get it cheaper elsewhere. Some loyalty discounts are bigger than new customer discounts Whilst I do not dispute your experience in doing what you say I can only state my personal experience of which I have carried out for years,some policies give out more cover than price deductions. Link to comment Share on other sites More sharing options...
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