dune Posted 13 January, 2012 Share Posted 13 January, 2012 Quote without 2 SP30's - 490, excess of 50 Quote with my 2 SP30's - 640, excess of 300 Link to comment Share on other sites More sharing options...
Jesus Reigned Posted 13 January, 2012 Share Posted 13 January, 2012 And the moral of the story is.......... Link to comment Share on other sites More sharing options...
dune Posted 13 January, 2012 Author Share Posted 13 January, 2012 Now i'm not happy. Just checked the directgov website and it states: Speed limits Offence codes SP10 to SP50 must stay on a driving licence for four years from date of offence. Mine were Mar 2007 and July 2008, so the first points can be removed. However the insurers asked for details for the past 5 years and I duely obliged with the 2007 points which could be removed. So if they were removed do you have to declare them to insurance companies? And this summer the others can be removed, so if I do this, do I have to declare the points when I apply for a quote next time? Link to comment Share on other sites More sharing options...
dune Posted 13 January, 2012 Author Share Posted 13 January, 2012 And the moral of the story is.......... Yawwwwwwwwn. The nanny state Labour cameras were everywhere until the Conservatives got back in. Link to comment Share on other sites More sharing options...
View From The Top Posted 13 January, 2012 Share Posted 13 January, 2012 Yawwwwwwwwn. The nanny state Labour cameras were everywhere until the Conservatives got back in. And they are still everywhere. Link to comment Share on other sites More sharing options...
dune Posted 13 January, 2012 Author Share Posted 13 January, 2012 And they are still everywhere. Luckily sat navs now alarm when you approach one. Link to comment Share on other sites More sharing options...
View From The Top Posted 13 January, 2012 Share Posted 13 January, 2012 Luckily sat navs now alarm when you approach one. They always have done. Link to comment Share on other sites More sharing options...
Saintandy666 Posted 13 January, 2012 Share Posted 13 January, 2012 Where speed cameras go up, deaths and accidents are reduced. I'm all up for that knowing that somewhere there are children still alive that would otherwise not be, who are now able to lead lives to the max. Good deal I'd say. Link to comment Share on other sites More sharing options...
LGTL Posted 13 January, 2012 Share Posted 13 January, 2012 Yawwwwwwwwn. The nanny state Labour cameras were everywhere until the Conservatives got back in. Not forgetting the Tories introduced them to our roads in the first place... Link to comment Share on other sites More sharing options...
badgerx16 Posted 13 January, 2012 Share Posted 13 January, 2012 The most dangerous component of any car is the nut that holds the steering wheel. Link to comment Share on other sites More sharing options...
dune Posted 13 January, 2012 Author Share Posted 13 January, 2012 Where speed cameras go up, deaths and accidents are reduced. I'm all up for that knowing that somewhere there are children still alive that would otherwise not be, who are now able to lead lives to the max. Good deal I'd say. What would you know about driving? A good driver drives to the road conditions. On the first occassion it was 2 in the morning and I got flashed for doing 47 or something in a 40. There was no other cars on the road. It was perfectly safe driving. On the other occasion it was again slightly over in a 50 average speed area on the way back home fro a night match with hardly any traffic on the road. If roads are wet or icy etc I drive slowly, If there's a school or there's kids about I drive below 30 and pull away from the kerb more and pre-empt the fact one could run out. You haven't got a clue, but as ever you think you know it all. Link to comment Share on other sites More sharing options...
The Cat Posted 13 January, 2012 Share Posted 13 January, 2012 I've had a few SP30's over the last 10 years. Have 3 points currently and never had more than 6 points at a time. Until this year it's never affected the insurance price much. I'm a named driver on my missus' car and there was always one company or another offering us around £250 a year until now when it's lept up to £370. Link to comment Share on other sites More sharing options...
John Boy Saint Posted 13 January, 2012 Share Posted 13 January, 2012 My Sp30 knocked my £402 Aviva renewal up to £463. My heart sank last night when I gunned it to pass and clear a bit of messy traffic on the A12, in my rear view mirror a plain clothes Police car's blue lights ran their cycle I slowed expecting the worse, and the very nice Police lady told me to slow down and drove on............. Phew! I have to say driving 40k a year the Police without any doubt have upped their game This past 12 months, anyway driving slower does save a few quid re the gap between fill ups. Link to comment Share on other sites More sharing options...
Jonnyboy Posted 13 January, 2012 Share Posted 13 January, 2012 I have 11 points on my license currently (was 14) and was up in court last year. However if named as the 2nd driver on the other half's car it still brings the premium down slightly Link to comment Share on other sites More sharing options...
Wurzel Posted 14 January, 2012 Share Posted 14 January, 2012 Luckily sat navs now alarm when you approach one. Don't get me wrong I think this is a good thing, but how is it legal when you can be prosecuted for flashing your lights at another driver to warn them of a speed trap. Link to comment Share on other sites More sharing options...
spyinthesky Posted 14 January, 2012 Share Posted 14 January, 2012 I am broadly in favour of speed cameras but can understand people being a bit cheesed off if they are caught marginally exceeding the speed limit, especially on clear roads I dont understand why the insurance companies work on a 5 year clearance of speeding fines whilst the DVLA work off a shorter cycle Also the double whammy of 'fines' ie the actual offence fine plus the additional insurance cost, which is often significant Compare these to some paltry firnes for violence against the person which is irksome to generally law abiding motorists Link to comment Share on other sites More sharing options...
SNSUN Posted 14 January, 2012 Share Posted 14 January, 2012 I have a rolling three points on my license. First got 3 in 2004, just got them removed from my license in 2008 when I got another 3. They come off this year, so no doubt I'll get another 3 at some point this summer. Link to comment Share on other sites More sharing options...
Weston Super Saint Posted 14 January, 2012 Share Posted 14 January, 2012 I have a rolling three points on my license. First got 3 in 2004, just got them removed from my license in 2008 when I got another 3. They come off this year, so no doubt I'll get another 3 at some point this summer. Lol. I've had that for the last 12 years - always had three on my licence, but had six for one month once! My latest 3 points are up in June, so no doubt I'll get another three then! Link to comment Share on other sites More sharing options...
hamster Posted 14 January, 2012 Share Posted 14 January, 2012 Just don't declare them. You've already been fined/punished and speeding is not a criminal offence, it's a civil offence. None of their damn business. Link to comment Share on other sites More sharing options...
dune Posted 14 January, 2012 Author Share Posted 14 January, 2012 Lol. I've had that for the last 12 years - always had three on my licence, but had six for one month once! My latest 3 points are up in June, so no doubt I'll get another three then! I was up to 9 at one point which was sh/t. Link to comment Share on other sites More sharing options...
dronskisaint Posted 14 January, 2012 Share Posted 14 January, 2012 I've been SP30'd more times than I'd like when I used to drive 80k+ a year...I also happily accepted an invitation to attend a North Wales speed awareness course rather than put more points on my licence so I'm not one to moralise but it's simple really - if you speed and get caught you get points...I know that, you know that - it's not our decision over whether it's safe to do so....on a dry road slicks work better than treads but it doesn't make them acceptable in law. On a similar vein though..I pay for protected no claims bonus. Just over a year ago I hit a dog that ran on to the dual carriageway and at 40'ish mph it did 2k worth of damage. The dog (bull terrier I was told, me and the cop struggled to carry the thing in a blanket to an out of vision bit of the road) had a collar but no identification on it or chip apparently and the police wrote to tell me that they'd been unable to trace the owner and so I claimed from my insurance. When I came to renew (with Tesco/Aviva) the premium had nearly doubled...I queried this and they said I'd had a 'fault' accident...I disagreed and said that's why I pay for a protected no claims anyway. Ah, they said, it's not about your no claims, you still have that but the premium has gone up due to your 'fault' accident..the definition, incidentally, according to their definition is where they can't claim from another party. I went to Direct Line who quoted me a much cheaper starting price but upped it when I declared the incident with the dog. It incensed me enough to write to the insurance ombudsman who took 2 months to respond and then only to say that they had done nothing that wasn't in their T & C. So - be warned..fwiw I do not believe that there was any way I could have avoided a the dog and if the owner could have been traced and sued (or was insured) it would not have been my fault but as it was - it was! Link to comment Share on other sites More sharing options...
dune Posted 14 January, 2012 Author Share Posted 14 January, 2012 I've been SP30'd more times than I'd like when I used to drive 80k+ a year...I also happily accepted an invitation to attend a North Wales speed awareness course rather than put more points on my licence so I'm not one to moralise but it's simple really - if you speed and get caught you get points...I know that, you know that - it's not our decision over whether it's safe to do so....on a dry road slicks work better than treads but it doesn't make them acceptable in law. On a similar vein though..I pay for protected no claims bonus. Just over a year ago I hit a dog that ran on to the dual carriageway and at 40'ish mph it did 2k worth of damage. The dog (bull terrier I was told, me and the cop struggled to carry the thing in a blanket to an out of vision bit of the road) had a collar but no identification on it or chip apparently and the police wrote to tell me that they'd been unable to trace the owner and so I claimed from my insurance. When I came to renew (with Tesco/Aviva) the premium had nearly doubled...I queried this and they said I'd had a 'fault' accident...I disagreed and said that's why I pay for a protected no claims anyway. Ah, they said, it's not about your no claims, you still have that but the premium has gone up due to your 'fault' accident..the definition, incidentally, according to their definition is where they can't claim from another party. I went to Direct Line who quoted me a much cheaper starting price but upped it when I declared the incident with the dog. It incensed me enough to write to the insurance ombudsman who took 2 months to respond and then only to say that they had done nothing that wasn't in their T & C. So - be warned..fwiw I do not believe that there was any way I could have avoided a the dog and if the owner could have been traced and sued (or was insured) it would not have been my fault but as it was - it was! That's a bummer, but like you've found they have everything tied up in the small print. No claims protection is just a big con, but you can't do without it. When you apply for a quote they ask if you've had any claims in the past x years which should be irrelevent as you have protection. Link to comment Share on other sites More sharing options...
Saint in Paradise Posted 14 January, 2012 Share Posted 14 January, 2012 Just don't declare them. You've already been fined/punished and speeding is not a criminal offence, it's a civil offence. None of their damn business. Yes but make a claim and then they find out about your record and goodbye claim. Also getting insurance again will be much more expensive with possibly only third party f & t not fully comp. Link to comment Share on other sites More sharing options...
richie Posted 14 January, 2012 Share Posted 14 January, 2012 you need to declare your SP30 even if its been removed from your licence. (if its within 5 years) But to be honest by then it wont make a difference to the cost by the third year or so, Link to comment Share on other sites More sharing options...
Jimmy Gabriel's Halo Posted 14 January, 2012 Share Posted 14 January, 2012 I declared an SP30 to Aviva a few years ago and they said they weren't interested on the basis that "everyone is getting them now". The whole thing's nothing but a money making exercise anyway. Even my mother and aunt, who are both in their late 70's, have picked up speeding fines after a lifetime of having totally clean licences. Not that I condone the excessive use of speed in inappropriate areas you understand. Link to comment Share on other sites More sharing options...
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