Car insurance with 3 points on licence

Milky_Mocha

Hello there. I expect to be given three points on my licence at the end of March (sent guilty plea with mitigating circumstances by post) though I am currently points free. My car insurance is due for renewal on 1st March. I'm wondering whether to purchase and declare myself points free and then wait till the points have actually been issued before informing the insurance company. Does anyone know how much this is likely to increase my premium by? Secondly, if a points case does not go to court does it mean one can still declare 'no convictions'? or does points automatically equal a conviction whether it goes to court or not? I think insurance companies ask about convictions and not points??

Also if anyone knows of particular insurance companies whose quotes are sympathetic towards drivers with points I'd be glad to try them.

MiM

JonBoy_SCFC

some of the nutters on here claim that for some companies the price goes down when you add 3 points!

Quentin

If you have pleaded guilty to an endorsable offence you will get points irrespective of the circumstances.

If asking if it doesn't go to court does it count, you mean does a fixed penalty with points count as a conviction, the answer is yes.

You can find out how the points affects your premium now by doing virtual quotes on line, with and without the conviction.

jonesMUFCforever

You should inform them now - your premium will increase anyway so it should make no difference - unless of course you were thinking of not telling them until your next renewal. If this is the case and you have an accident in the meantime - well would you pay out??

neet87

If your offence was within 10mph of the speed limit they may offer you a place on a speed awareness course- this costs around £70 but is instead of points on your licence.

Milky_Mocha

neet87 wrote: »

If your offence was within 10mph of the speed limit they may offer you a place on a speed awareness course- this costs around £70 but is instead of points on your licence.

Its not for speeding. Its for talking on my mobile phone. I have a thread about it on the motoring tickets and fines forum. I suppose no cellphone awareness course for me :rolleyes:

Milky_Mocha

jonesMUFCforever wrote: »

You should inform them now - your premium will increase anyway so it should make no difference - unless of course you were thinking of not telling them until your next renewal. If this is the case and you have an accident in the meantime - well would you pay out??

Will do. No I'd have to tell them anyway - unless the premium goes up significantly in which case I would explore the possibility of not being on the insurance at all. Which leads me to my next question. If insurance is in my hubby's name only and I only use the car 'with his permission' and not as a named driver, that's not against the law is it? After all the car itself would still be insured. I take the train to work anyway and would only use the car occasionally. Then in 5 years' time I could get back on track, assuming I don't get any more convictions in that time!

dacouch

Your Insurance will be subject to you declaring any convictions, fixed penalties and any PENDING CONVICTIONS / FIXED PENALTIES. This is a pending conviction so you will need to declare it to your Insurers. If are subsquently let off the conviction your Insurers should refund an extra premium you had to pay.

totalsolutions

Milky_Mocha
If insurance is in my hubby's name only and I only use the car 'with his permission' and not as a named driver, that's not against the law is it? After all the car itself would still be insured.

BUT YOU ARE NOT COVERED. You are driving a vehicle with no insurance have you any policy with your name on?

dacouch

Milky don't get so worried about the conviction, if your Insurers put on a load (Some do not load if this is the only accident or conviction for any of the drivers). It is only likely to be between 10% and 30% of your premium, they only tend to load for three years and the loading often tapers off.

When you get your renewal shop around (With the conviction declared if its a mobile phone its a CU80 offence code). You will probably find you pay around the same as last year.

cogito

It may be 'only' 3 points but it's a conviction that insurers take a pretty dim view off and are likely to impose a greater penalty than they would for an SP30. Justifiably so.