How much does 3 points affect insurance?

Discussion in 'Insurance & Breakdown Cover' started by Jakk, Saturday 15th Jun, 2013.

  1. Jakk Club Veteran ★ ★ ★ ★ ★

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    Not going to go into too much detail on here but a couple of hours ago I was pulled over and given 3 points and a £60 fine. My own fault, speeding, shouldn't have been, and should have noticed the Police. Got off very lightly though considerig the ircumstances I think, which I'm very grateful for.

    I want an ATR and have been quoted £1700 on comparison sites. I've not tried the specialists like Brentacre, Sky, Greenlight etc, just want to know how much difference the points are likely to make as I can't ring them as its 3am.

    Do I forget the whole ATR idea and get an MB6 now? 

    I'm a bit of a plonker. Got a feeling the ATR is out the window now.
     
  2. haggis Club Veteran ★ ★ ★ ★ ★

    SP30?

    shouldn't affect it too much...
     
  3. EG6CIVIC Top Contributor ★ ★ ★ ★ ☆

    As above sp30 won't affect it much at all. Also there won't be much difference in the mb6 and air insurance wise
     
  4. Young Leaf Top Contributor ★ ★ ★ ★ ☆

    Sp30 didn't effect my insurance at all. I got my quote that I ended up taking out and first call forgot to tell them, rang back expecting the worse but it didn't put it up at all
     
  5. Shiny Top Contributor ★ ★ ★ ★ ☆

    Depends entirely on the Insurer. Some it will make little or no difference, others it could make quite a difference.
     
  6. Shuthan Club Veteran ★ ★ ★ ★ ★

    I got 3 points for speeding nearly 2 years ago, it didn't affect it to be honest, I wouldn't worry but some insurers will see it and find the opportunity to increase it.
     
  7. Smiley Club Veteran ★ ★ ★ ★ ★

    Very little if it all
     
  8. snowy Top Contributor ★ ★ ★ ★ ☆

    At the age of 20 I got an sp30 and it put my bike insurance up by £50 and didn't budge my car insurance! I rang them to let them know and i thought £50 was reasonable, paid it there and then!
     
    Last edited by a moderator: Saturday 15th Jun, 2013
  9. Jakk Club Veteran ★ ★ ★ ★ ★

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    This is exactly what I want to hear, thanks guys. Feel like such a cretin though, utterly stupid :Frown:
     
  10. ozz9955 Club Veteran ★ ★ ★ ★ ★

    It happens - most of us have done it - just stick to the speed limits when you see them, even if people want to sit up your chuffer. It's your licence after all! :Smile:  
     
  11. k20lth Club Veteran ★ ★ ★ ★ ★

    Hmm... not sure on my current insurance.. but on bell when I type it in, theres a £400 difference in price! :O sad times :Frown:
     
  12. mikey_t8 Top Contributor ★ ★ ★ ★ ☆

    tbh, it all depends on your insurance... like the others have said, sp30 doesn't really make a big difference..

    i got quotes off elephant for £2300.. both were same declaring and not declaring.. i was doing different quotes to see how they affect my insurance. the quote i used to buy the insurance was one i didn't declare it on. i stupidly forgot to check on the documents when they came. anyways, when i made a claim, they found out and bumped it up by £600 :Frown: so make sure you declare it!
     
  13. ChrisKnottIns Site Partner Trader

    Is it your only conviction? If that's the case you'll be fine. It's when it pushes you up to 2 or more convictions that they start to indicate your driving style/habits.
     
  14. Jakk Club Veteran ★ ★ ★ ★ ★

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    Yeah it's my only one. Also, how likely do you think it'd be that you'd be able to insure me on an ATR? Decent postcode, aged 19, 1 year ncb, 3 points. Not asking for an exact price at the moment but more of a yes/no.
     
  15. ChrisKnottIns Site Partner Trader

    We'd need you to either be 25 and have 2 years' experience of the car or 30 with at least 1 year's experience of the car.

    Good luck with your search.
     
  16. JUJUN Club Member ★ ☆ ☆ ☆ ☆

    UK
    62
    Tony from Greenlight didn't charge me extra for my Sp30, he treated it as a mod in fact lol
     
  17. captain_sl0w Club Veteran ★ ★ ★ ★ ★

    It very much depends on the car, but if you are over 25 it will make hardly any difference at all.

    I got 3 points at 24 while in the market for another Honda, it added £50 to quotes for a DC2 and £500 to quotes for an S2000 so it can vary.
     
  18. HiZZi_VTEC Valued Contributor ★ ★ ★ ☆ ☆

    354
    I got 3 points for a CU30 nearly three years ago which is a bald tyre(long story) it  still makes around £400-600 difference depending on the insurance provider
     
    Last edited by a moderator: Wednesday 19th Jun, 2013
  19. skyinsurance Commercial Services Trader

    508
    CU30's convictions aren't great, especially for specialists like us. We insure car enthusiasts, an underwriter would frown on a car enthusiast with a conviction for not keeping their car in road worthy condition. 
     
  20. Site Club Veteran ★ ★ ★ ★ ★

    see i got a CU30 because i had a blow out and no lie...15m before the police car....im assuming a story behind the points doesnt make a difference at all...how long do you have to delcare points for as well?