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Speeding and insurance premiums
Comments
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Its years since I had points, so dont know about now - but back then one ticket made very little difference to my insurance - but that was near on 10 years ago.0
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Speeding is so common it hardly has any affect. In fact, I recently renewed after getting points and my premiums went down!0
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If you receive a speeding ticket and 3 points . How much on average does it hike up your renewal insurance rates?
Likely very little, especially how competitive the insurance market is. Even if your existing insurer adds a chunk on they'll be others out there that won't. Plus of course at the next renewal you'll be a year older and have an extra years No Claims (assuming you're not already at the max) so that'll mitigate any loading.Does the SAC effect your renewal price?
As far as I'm aware only Admiral Group of insurers ask about and load for SAC's.0 -
Thank you, I have like 5 years no claims, 3 years no claim I think is the max they!!!8217;ll discount on.
Did you receive the points or do the SAC? How long does your liscense hold the points for before they!!!8217;re wiped off and forgotten?0 -
Aviva will sting you hard.
I got my first speeding fine last February (driving since 1979) and reported it to Aviva. They added an additional charge of £44.45 for the rest of the year which equated to £66.70 for the 12 months on an initial premium of £300.70
So over 20% increase for 3 points in 38 years
I have 11 years NCB previous to that I had a specialist American car policy that did not use NCB but had not had an accident since 1996
Not sure what effect it had on this years insurance as I did not do a "no-points" comparison.Totally Debt Free & Mortgage Free Semi retired and happy0 -
Yes Aviva charge for points but direct line has very little difference. What they do is add a bit to the premium and change the compulsory excess to something higher.0
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