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Penalty points and insurance

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  • 03-12-2015 6:17pm
    #1
    shugy
    Banned (with Prison Access) Posts: 409 ✭✭


    My insurance is up for renewal in 3 weeks time and wanting to know how much will 3 penalty points effect me. My insurance company sent me my quote for next year however this is before they know I was stopped because I was chatting on the phone and received 3 penalty points :( Will it effect my insurance much ?


Comments

  • Options
    #2
    novarock
    Registered Users Posts: 1,132 ✭✭✭novarock


    Won't affect you at all - always declare them.


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    #3
    shugy
    Banned (with Prison Access) Posts: 409 ✭✭shugy


    novarock wrote: »
    Won't affect you at all - always declare them.

    Does it not even get raised by say 10-20 euros?


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    #4
    novarock
    Registered Users Posts: 1,132 ✭✭✭novarock


    Nope, Its a different conversation after 6 points however..


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    #5
    zl1whqvjs75cdy
    Closed Accounts Posts: 4,042 ✭✭✭zl1whqvjs75cdy


    Insurance is a total crap shoot at the moment anyway so who knows, it could reduce your premium. *


    *probably won't reduce the quote.


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    #6
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,684 Mod ✭✭✭✭Henry Ford III


    novarock wrote: »
    Nope, Its a different conversation after 6 points however..

    Nonsense. Aviva insist on a higher premium for 1 penalty point.


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    #7
    tuff1
    Registered Users Posts: 98 ✭✭tuff1


    novarock wrote: »
    Nope, Its a different conversation after 6 points however..

    It's worse than that in my experience. I found it was pretty difficult to find someone who would actually insure me with 5 points. I have 2 points for speeding before the new rules came in, and 3 for speeding after the new rules came in.

    So even though it was two offences, some companies wouldn't even look at a licence with over 4 points.


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    #8
    Craftylee
    Registered Users Posts: 429 ✭✭Craftylee


    I believe three points isn't too bad as lets face it we all speed at some point, it's just a case of if we get caught. However 4 points and up you will see a big jump in the premium.

    If you think about it, anyone caught speeding and given 3 points would be fairly stupid to continue driving fast, they would (i hope) be much more careful


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    #9
    Gavman84
    Registered Users Posts: 1,113 ✭✭✭Gavman84


    All down to company. I got charged an admin charge of 30 when I told the insurer I got 2 at the time. Don't think has made much difference overall tho when shopping around his year.


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    #10
    novarock
    Registered Users Posts: 1,132 ✭✭✭novarock


    I shopped around last year, for work I have to have Class 2 Fully Comp, I have 2 points. I asked the question of every company I called, and I called most, including Aviva, and all roughly said that 1 offence is not noted, 2 affects the premium.


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    #11
    Odyssey 2005
    Registered Users Posts: 21,065 ✭✭✭✭Odyssey 2005


    Henry Ford III wrote: »
    Nonsense. Aviva insist on a higher premium for 1 penalty point.

    Totally agree. They don't load you for points but they give you a discount if you have none. I got €50 s €60 rebate in August when 2 points expired.


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