Car insurance with 3 points on licence

AndrewSmith

Remember though it's not just the points on your license that you are asked for, the insurer will ask you whether you have had anhy motoring convictions.

A motoring conviction can merely include a speed awareness course not points but you must still make them aware of it.

If you do not then you will find your policy invalid should you make a claim or, even worse, someone else claims off your insurance.

Ms_Chocaholic

But you are not convicted if you have attended a speed awareness course, the course is an alternative to a conviction.

Milky_Mocha

dacouch wrote: »

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.

Thanks for giving me that code - saved me time as the list of possible convictions is rather long!

Milky_Mocha

It appears the conviction has not made much difference to my cost of insurance. The only difference is that with some insurers it is cheaper for me to be the named driver as opposed to policy holder when it was cheaper the other way round last year. Overall, cost does appear to have gone down! I kid you not! Where the cost has risen (eCar for example) this has been by about £20 - that is, adding my conviction and keeping everything else the same. I can live with that.

Quote

Milky_Mocha wrote: »

I can live with that.

Oh, that's great news.

I wonder if you could "live with" knocking down and killing a child while you're driving and using your mobile phone?

cogito

.........or kills himself by driving into a tree like an acquaintance of mine did leaving a widow and two young kids.

Hopefully the OP will have learned from his experience but I still see a hell of a lot of people using mobiles while driving.

FiftyPents

You should go with SwiftCover. I got a quote from them, with 6 new points on my license, and my quote from SwiftCover was 3 times cheaper than what MoreThan offered me, who were my insurers at the time.

dacouch

FiftyPents wrote: »

You should go with SwiftCover. I got a quote from them, with 6 new points on my license, and my quote from SwiftCover was 3 times cheaper than what MoreThan offered me, who were my insurers at the time.

Before going with Swift Cover please please please read the forum on here (Just search under "Swift") so you are aware of any potential problems eg possible long delays with your claim...

lisyloo

it is cheaper for me to be the named driver as opposed to policy holder when it was cheaper the other way round last year

You are aware that the NCD is attached to the person aren't you?
So if you partner has NCD then you cannot use it (unless you have it yourself also).
Just checking..........

shelly

lisyloo wrote: »

You are aware that the NCD is attached to the person aren't you?

Probably not if they believe the following quote is ok to do.

Milky_Mocha wrote: »

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.