ihow much will nsurance cost increase with 3 points

Quentin

Aletank wrote: »

There's some people that believe the 1st 3 points won't effect your premium :rotfl: as if the insurance companies are goin to let you off with that !
You should tell your insurance as soon as the points have been added to your licence.
I got 3 points about 10 years ago for 39 in a 30, I reckon my insurance went up £60 a year for the next 5 years.

You should do dummy quotes yourself with zero and three points then you will see how poor your advice is! Your experience 10 years ago is irrelevant today.

Also one needs to check their own policy regarding when to notify their insurer as many do not need notifying till renewal time.

agrinnall

rudekid48 wrote: »

Please share a link to this report.

Could be buried somewhere in this one but as it's 201 pages I'll leave it to you to look.

http://webarchive.nationalarchives.gov.uk/20110503151558/http:/www.dft.gov.uk/adobepdf/162469/221412/221549/227755/rrcgb2008.pdf

rudekid48

agrinnall wrote: »

Could be buried somewhere in this one but as it's 201 pages I'll leave it to you to look.

http://webarchive.nationalarchives.gov.uk/20110503151558/http:/www.dft.gov.uk/adobepdf/162469/221412/221549/227755/rrcgb2008.pdf

Thanks for the link. This was the one that I thought it would be so I'm curious about the posters claim that speed only contributes to 3% of accidents?

For example, from page 41 of the report;

- Fourteen per cent of accidents had a speed related contributory factor reported, either exceeding the speed limit or travelling too fast for conditions. This rose to 24 per cent for fatal accidents, accounting for 25 per cent of all road deaths. Twenty three per cent of fatalities in these accidents were motorcyclists.
- Young drivers were more likely to have a speed related contributory factor reported than those over 25, and more than four times as many male drivers had a speed factor reported as female drivers. Forty one per cent of male fatalities aged 16-25 were in accidents where a speed factor was reported.

I have personally attended a number of meetings at both houses of parliament specifically relating to the impact of speeding in the cause of road accidents - especially fatal accidents involving younger drivers. It is recognised as a significant contributor.

There is demonstrable evidence (which unfortunately I cannot share a link for as it is commercially sensitive) that the frequency of accidents reduces by upwards of 40% when speed limits / appropriate speeds are observed.

In addition, the severity of collisions when they do happen is dramatically reduced.

Don't get me wrong, I'm as guilty as most for occasional speeding so this is by no means meant to be a moralistic post, but the evidence is out there to show that there is a direct link between speeding and frequency of accidents.

That report is 8 years old and things have started to improve slightly but it got worse in between.

bod1467

It wasn't agri's claim. Check who you originally quoted.

seatbeltnoob

admiral will probably slap it on, they even consaider speed awareness course into their calculations.

bigjl

giraffe69 wrote: »

I expect that gives you pleasure but it makes you seem more than a bit dumb.

Not really.

How is anybody supposed to answer the OPs question with the number of variables involved.

My answer is as likely to as correct as anybody else's estimate.

bigjl

BeenThroughItAll wrote: »

Three points added precisely nothing to my wife's policy, so 'some people' are right.

Three points made no difference to my premium, when they came off they also didn't
Seem to make a difference.

There are certain offences that may result in 3 points but load you policy, one being failure to say who was driving a vehicle apparently. I have no personal experience but a mate recommend his H&R Insurance doubled afterwards, this was in the late 90's so things may well have changed.

Even my Chauffeur Insurance was unaffected by 3 points.

agrinnall

bod1467 wrote: »

It wasn't agri's claim. Check who you originally quoted.

So was that the report you were referring to, or did I just pick one at random that looked like it could be the right one?

Car_54

bigjl wrote: »

Three points made no difference to my premium, when they came off they also didn't
Seem to make a difference.

There are certain offences that may result in 3 points but load you policy, one being failure to say who was driving a vehicle apparently. I have no personal experience but a mate recommend his H&R Insurance doubled afterwards, this was in the late 90's so things may well have changed.

Even my Chauffeur Insurance was unaffected by 3 points.

Failure to identify a driver carries a mandatory 6 points or disqualification.

giraffe69

bigjl wrote: »

Not really.

How is anybody supposed to answer the OPs question with the number of variables involved.

My answer is as likely to as correct as anybody else's estimate.

True. But your observation has a ring of unpleasantness which was not needed. Approaches if you are being asked a question to which an accurate answer is difficult are
1. Not to answer
2. Answer but explain more detail is needed
3. Make a sarcastic answer which makes OP wonder why she bothered.