Got 3 points

demanufactured

Got a letter in the door.
114 kph on a 100 kph road.
3 points and an 80 euro fine.
How likely is it going to affect my insurance and by much?

clownboy

over 9000

Mycroft H

Have you currently any points?

alan partridge aha

Is it 3 penalty points for speeding now?

punisher5112

alan partridge aha wrote: »

Is it 3 penalty points for speeding now?

Yes all increased mainly by 1 poit recently.
5 if go to court.

2 didnt usually make a difference but all depends on insurer.

pudzey101

2 points i got recently made no difference , im not sure about 3 though , afaik its 4 points before they hike up insurance .

MuppetCheck

Depends on the company. I'm with FBD and they said anything over 6 before it makes any difference...which is why I drive with cruise on a lot of the time.

Roll on September next year.

tenifan

clownboy wrote: »

over 9000

Great first post

Esel

clownboy wrote: »

over 9000

tenifan wrote: »

Great first post

Hate to have thanked that post - like you did...

Henry Ford III

MuppetCheck wrote: »

Depends on the company.....

This.

glynf

When did it from up from 2 to 3 points?

Plane

I was told that anything over 6 and then they charge a premium.
BUT zero or 2 points and they provide a discount. Maybe it's 3 now that speeding has been increased.

Obviously if say it depends on the company's policy.

slimjimmc

glynf wrote: »

When did it from up from 2 to 3 points?

1st Aug.
http://www.rsa.ie/en/RSA/Licensed-Drivers/Penalty-points/Types-of-offences/

Shouldn't affect the price for cover much if at all but ultimately it depends on the insurer.

CiniO

I wonder if that's actually based on statistics that people with excessive penalty points or previous motoring convictions (like driving driving) are causing more accidents and therefore their increased premium is justified, or is it just another excuse from insurers to suck more money out of drivers.

I know many of you are not going to agree with me, because at first it might sound reasonable that people with more penalty points or previous convictions are more likely to cause accident, but I wonder if that's really the case.

Berserker

Don't have any points myself, touch-wood but is there grace with respect to speed? If you are clocked doing 81-82kph in an 80kph zone by a van or guard, do you get done? I have been told by some that you will get done and others have said that there is a 5 kph allowance. Can someone clarify this.

tenifan

CiniO wrote: »

I wonder if that's actually based on statistics that people with excessive penalty points or previous motoring convictions (like driving driving) are causing more accidents and therefore their increased premium is justified, or is it just another excuse from insurers to suck more money out of drivers.

I bought a car and my insurance was Eur700 or so with no no-claims discount as it was so long since I last drove.
I got a job in which I didn't need my car. 2 years later I took out a policy.. Eur1700 with no no-claims discount (because it was over 2 years since I drove). I've been quoted Eur830 after this "first" year.
I'm not a young driver and it seems to me the insurance company will use any excuse to charge high premiums

68 lost souls

Berserker wrote: »

Don't have any points myself, touch-wood but is there grace with respect to speed? If you are clocked doing 81-82kph in an 80kph zone by a van or guard, do you get done? I have been told by some that you will get done and others have said that there is a 5 kph allowance. Can someone clarify this.

There is always confusion over this basicly your car speedo can ver read by up to, repeat up to, 10% it differed from car to car so if your are driving at an indicated 82 then you are probably ok. If the van reads you at 82 though you will be fined.

Back on topic with Aviva there is a 33% discount for no points 17% for 2 points no discount for 6 and after this there is a loading so as said it depends on the company but there will be some variance.

My insurance this year went for 600 to 1300 with Aviva but ended up at 570 with the AA.

demanufactured

Have to send it off today as the car is in the missus name.

Will it start a "new" 28 day period for me or does the 28 days from the day the origional was sent still apply?