Do car speeding fines (3 points) affect your car insurance price?(renewal increase?)

ardvo

If you got a car speeding camera flash, with a fine to pay and 3 points on your license, than does this spike your car insurance up on your next renewal ?

how about if you chose the awareness course, to avoid the points,

does the fact that you have done the course alternatively spike up your car insurance price ??


and are you speaking from experience in your reply ? if so how much did your premium increase by?

debtdebt

YES!!! A car speeding camera flash with fine and 3 points DO increase your insurance premium.

Some insurers ask about speed awareness courses. Some don't.

YES I am speaking from MY OWN experience. Yours might be different.

ardvo

How much did yours increase by, do you remember ?

Bigphil1474

OP, it will depend on your driving history, years of NCB etc. Insurers don't need much of an excuse to put premiums up anyway. I have no experience of speeding offences, but I had a fault claim in the year 2000, and found it put my premiums up with some providers by about 15% based on the previous years quotes. However, I just shopped around as usual and ended up paying about the same. If you're a tear away teen driver then you'll probably be hit harder, but if you've been driving 10 years and this is your first offence, then it will be less.

IamNotAllowedToUseMyName

It is more complicated than a yes or no.

Speed awareness courses should not affect your insurance unless your insurer explicitly asks to be informed of them (Admiral being notable for doing this).

Points may affect your premium, but historically there was a view that a single incident was not necessarily a problem. I didn't detect any significant difference between quotes with and without points, but I am a mature driver (in name only!). Age may be a factor in the size of adjustment they consider. I suspect 3 points on an 18 year old will be a different story to 3 points on a 50 year old.

Aretnap

IanMSpencer wrote: »

Points may affect your premium, but historically there was a view that a single incident was not necessarily a problem.

That's not necessarily true anymore. At least part of the reason is speed awareness courses. Once upon a time most people with 3 points were people who'd been caught once, slightly over the speed limit. Nowadays most people in that situation do a course - so if you have 3 points then it probably means that either you were a long way over the limit, or that you've actually been caught speeding twice.

Another reason is the ban on gender discrimination in pricing. More men that women get points for speeding, so a pool of drivers with points (particularly younger drivers) with points is higher risk purely because it will include more men. And it's quite legal for insurers to price on things which are indirectly correlated with gender, so long as they don't discriminate directly. Similarly it's legal to charge, say, builders more than nurses, or charge more to insure a Subaru than a pink Mini, so factors like occupation or type of car have increased in importance to an extent.

DoaM

Aretnap wrote: »

That's not necessarily true anymore. At least part of the reason is speed awareness courses.

It is still true for Scotland ... there's no option for a SAC for any speeding offence committed within the area governed by Police Scotland.

docmatt

My insurance renewal on my car was £1380 and it changed to1440 after declaring my recent sp30 which was 3 points and I think it was 60 quid fine.

DoaM

It'll have been £100 ... it's not been £60 for an SP30 for a several years. (I think it changed in January 2013).

docmatt

DoaM wrote: »

It'll have been £100 ... it's not been £60 for an SP30 for a several years. (I think it changed in January 2013).

Yes come to think of it you are right.

Quentin

You can find out what difference it makes to premiums by doing dummy quotes online with and without points in your history