Speeding and insurance?

macymoo

Got a letter today to say I was caught doing 39 mph in a 30mph zone and to fill in the forms etc, I understand it will be a £60 fine and 3 points but can anyone tell me by how much my car insurance is likely to go up??? Thanks

xzibit

It made no difference to my insurance when I was caught at 47 in a 30 and recieved a £60 fine and 3 points.

macymoo

Thanks, hoping it will be the same for me ???

K9cuddles

yeah.. most companies will accept 3 points with no additional charge. They get concerned when you get 6+. Only way you'll find out is if you ring them?

macymoo

Thanks have tried, but need the offence code which I don't have yet.

bluekp

Same here, I got a SP60 (I think??) and it didn't make any difference to my insurance.

nickmack

bluekp wrote:

Same here, I got a SP60 (I think??) and it didn't make any difference to my insurance.

Unlikely to affect your premium, but they may hit you with an admin charge to update your details. You can often argue to waive this.

DealDrivers_company_representative

You do need to check carefully...policies are written in different ways for different scenarios so no two insurers are likely to give the same verdict. You do have to inform your insurer of your offence and fine too (not doing so can invalidate the policy), don't assume the authorities pass the information to your insurers.

One of our guys got caught at 18 mph above the road limit (78 in a 60 zone dual c-way) and the insurance premium went up by £400 on a Saab thru 'First Alternative' (part of HBOS)...there were no other points on the drivers licence.

That hurt...and made the £60 fine look like chicken feed.

immoral_angeluk

I got 3 points and a £60 fine for doing 47 in a 30 zone and it didn't effect my insurance premiums at all. I'm with churchill and to quote the guy on the phone 'Pretty much everyone has 3 points for speeding so we don't worry too much about it'

immoral_angeluk

The 'exceeding speed limit on a public road' offence code is SP30

wyze

I agree with the above. Most insurers will not load the premium for 1 conviction but often they will not apply introductory discounts or be willing to negotiate a lower premium at renewal if you want to haggle with them.

It is possible to get 6 points for a speeding offence which is viewed differently by insurers I'm not sure how fast you have to be going to get this special endorsement but at 30mph+ over the limit you are looking at a ban and problems with insurance.