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  • FIRST POST
    • Smb3088
    • By Smb3088 15th May 18, 8:19 PM
    • 332Posts
    • 42Thanks
    Smb3088
    Speeding and insurance premiums
    • #1
    • 15th May 18, 8:19 PM
    Speeding and insurance premiums 15th May 18 at 8:19 PM
    If you receive a speeding ticket and 3 points . How much on average does it hike up your renewal insurance rates?
    Does the SAC effect your renewal price?
Page 1
    • Geodark
    • By Geodark 15th May 18, 8:21 PM
    • 867 Posts
    • 581 Thanks
    Geodark
    • #2
    • 15th May 18, 8:21 PM
    • #2
    • 15th May 18, 8:21 PM
    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.
    • Nathaniel Essex
    • By Nathaniel Essex 15th May 18, 10:00 PM
    • 151 Posts
    • 70 Thanks
    Nathaniel Essex
    • #3
    • 15th May 18, 10:00 PM
    • #3
    • 15th May 18, 10:00 PM
    Speeding is so common it hardly has any affect. In fact, I recently renewed after getting points and my premiums went down!
    • Johno100
    • By Johno100 15th May 18, 10:01 PM
    • 4,151 Posts
    • 4,934 Thanks
    Johno100
    • #4
    • 15th May 18, 10:01 PM
    • #4
    • 15th May 18, 10:01 PM
    If you receive a speeding ticket and 3 points . How much on average does it hike up your renewal insurance rates?
    Originally posted by Smb3088
    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?
    Originally posted by Smb3088
    As far as I'm aware only Admiral Group of insurers ask about and load for SAC's.
    • Smb3088
    • By Smb3088 16th May 18, 6:49 AM
    • 332 Posts
    • 42 Thanks
    Smb3088
    • #5
    • 16th May 18, 6:49 AM
    • #5
    • 16th May 18, 6:49 AM
    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?
    • Indout96
    • By Indout96 16th May 18, 8:26 AM
    • 1,878 Posts
    • 2,672 Thanks
    Indout96
    • #6
    • 16th May 18, 8:26 AM
    • #6
    • 16th May 18, 8:26 AM
    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.
    Understeer is when the front of the car hits the wall.
    Oversteer is when the back of the car hits the wall
    BHP is how fast you hit the wall
    Torque is how far you take the wall after you hit it.
    • oscarward
    • By oscarward 16th May 18, 10:17 AM
    • 634 Posts
    • 246 Thanks
    oscarward
    • #7
    • 16th May 18, 10:17 AM
    • #7
    • 16th May 18, 10:17 AM
    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.
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