Car Insurance Quote - 2 fixed penalties

steveeeee

JamesP wrote: »

Yeah sure, both times I was caught doing about 58mph on a motorway when there were roadworks and the speed was temporarily reduced to 50mph. Also, one of the times is was about 11:30p.m and although no excuse the motorway was empty.

Ah, that explains it. Thanks for clarifying

I've actually just been done by a mobile camera for 58 on a 50 dual carriageway. Got NIP in the post and sent my "yes, I was driving" form off last week. Dread to think what my insurance premium will be when I renew in September :eek: what with having written off a car (classic roundabout shunt; damage was fairly minor but car wasn't worth repairing) in Oct 2005 as well :eek: :eek: Serves me right, really.

jem16

I ahve just been going through the same procedure with my son who has 2 fixed penalties for speeding too, one in 2003 and the other in 2006.

So far elephant.co.uk has been the cheapest for him. A lot of the normal cheaper ones won't cover him with 2 penalties and as you say others push up the cost.

JamesP

steveeeee wrote: »

Ah, that explains it. Thanks for clarifying

I've actually just been done by a mobile camera for 58 on a 50 dual carriageway. Got NIP in the post and sent my "yes, I was driving" form off last week. Dread to think what my insurance premium will be when I renew in September :eek: what with having written off a car (classic roundabout shunt; damage was fairly minor but car wasn't worth repairing) in Oct 2005 as well :eek: :eek: Serves me right, really.

Assuming that you have only got 3 points, I don't think that it will make your premium go up by much. Best way to check is get a quote from a website with and without your 3 points and see if it goes up.
Stupid thing about all this is, if I was going slightly faster e.g. 62 in a 50 then I would probably have been offered a speed awareness course for which I'd have to pay but at least I would not have the points on my licence.

steveeeee

JamesP wrote: »

Assuming that you have only got 3 points, I don't think that it will make your premium go up by much. Best way to check is get a quote from a website with and without your 3 points and see if it goes up.
Stupid thing about all this is, if I was going slightly faster e.g. 62 in a 50 then I would probably have been offered a speed awareness course for which I'd have to pay but at least I would not have the points on my licence.

Yes, they're my first points. I'll do some checks over the weekend.

I've actually been on a speed awareness course a few years ago :rolleyes:. Was driving around in Reading and could've sworn it was a 40 limit. Approaching a set of traffic lights which were green at about 35, just at the instant the 40 sign next to the lights caught my eye, there was a double-flash behind me. :doh: Not sure what the criteria are to offer the course, but I was glad they did!

Anyway, I do appear to have threadjacked you . Re your OP, I think your best bet might be to ring round a few insurance companies and ask what their requirements are wrt number of years you have to declare penalties for. Or if you're friendly with a broker, you could try asking them to suggest a few places.

ArchieB_2

In answer to the OP question, the Insurer rates you at the time you take the policy out, as such the two offences are taken into account. Most insurers look back as far as 5 years but I am afraid I can't tell you those that ask for only 3 years for example.

Only thing to do is ring round. You may find that the company that only takes into account the past 3 years is still more expensive than the quote you have found now.