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NorthSussex
The cost of a motoring conviction on top of the fine and points. The figures in the table below are based on a test quote we ran for a 30-year-old female marketing manager living in Cardiff and driving a 2003 Mini Cooper.With an annual mileage of 6,000, five years' no-claims discount, and the car parked on a driveway when not in use, she would pay £682 a year for cover.

Top 10 motoring convictions
% increase in car insurance premium after
conviction

How much car insurance increased by after conviction

1. SP30 - Exceeding statutory speed
limit on a public road


34%


£231


2. CU80 - Use of a hand-held device
whilst driving


49%


£337


3. TS10 - Failing to comply with
traffic light signals


24%


£162


4. SP50 - Exceeding speed limit on a
motorway


34%


£231


5. IN10 - Using a vehicle uninsured
against third party risks


131%


£896


6. DR10 - Driving or attempting to
drive with alcohol level above limit


115%


£782


7. CD10 - Driving without due care
and attention


51%


£346


8. LC20 - Driving otherwise than in
accordance with a licence


49%


£331


9. CU30 - Using a vehicle with
defective tyre


69%


£471


10. SP40 - Exceeding passenger
vehicle speed limit


34%


£231


This table is based on customers who obtained a car insurance quote between October and December 2012, with motoring convictions in the last five years prior to the date of the quote.





 

Stoney871

Puts it firmly in perspective methinks.

stef123

quite an interesting read

NorthSussex

The extra insurance premium is levied every year for the next 5 to 10 years depending on the insurance company.  

 

Drive carefully.   :unsure: 

jeebowhite

Ouch...

Spiderham
Frightening,

Drive safe everyone!
jeebowhite

I was always under the impression SP30 meant very little change to your premium, or at least 1 x SP30, perhaps multiple SP30 means this big cost, or is this the price for 1 x 3 points?

Preee

I guess there is a large percentage of people that have at least broken 1 of those , but not been caught yet.

Put's it in to perspective really the outcome if we break the rules and get caught.

b1g_dav3

I like how there's like 5 different codes for each offence >.< being in charge of a vehicle while drunk is there like 3 times, whatever the difference between that is and the drink driving mentioned about 100 times >.<

stevegtuk

goor read, the sp30 is a bit steep though, even the best driver the world may be caught out once in a blue moon drifting over 30 although i havent been for a long time :D

 

its a bit strange though that driving with a handheld device is worse than speeding

jeebowhite

does make sense though. even at a slow speed, if your playing around with a device (Phonecall, texting, changing tracks etc etc) then your attention to driving, and your ability to drive is on par with drink driving. when you are speeding you are still (for the most part) focusing on the road ahead, you have most of your attention on the road (I know that when I have been a bit naughty, I have spent more time looking out for cars pulling out, or trying to find the undercover police car :p) then my attention has been solely on the road.

stevegtuk

not that you ever need to look out for unmarked cars :P

 

Ok i will let you have that one James, id end up trying to win a losing battle if i disagreed :lol:

 

it still seems a little steep for a minor laspe of concerntration and going over the speed limit, considering the driver will also get 3 points on their licence as a punishment.

 

or is it that so many people do it by mistake that the insurance companies think they can make a quick couple of hundred quid per person which will work out to thousands or millions to pay the bosses their bonuses :lol:

Stoney871
At motorway speeds a two second period of not looking at the road is about 55 metres covered in distance.
Taking for granted that the minimum distance between cars should be a 2 second gap and also taking for granted that a fair percentage of drivers don't abide by this you can see how quickly the gap can close up if someone drops the anchor on you.
Driving can be a hazardous thing so deserves your full attention at all times.
stevegtuk

agree with you there clive, the sp50s are definately justified.

 

I think all cars should have a heads up display with the speed on to save people taking their eyes off the road to check how fast their going.

 

I was thinking more about the sp30s, where roads widen and no traffic or parked cars for miles and the speed slowly creeps up without noticing then you see that speck of a white van in the distance peeking out from a hedge with the dreaded lenses pointing straight at you followed by that moment when you look at the speedo and say "oh shit im nicked" or words to that effect :lol:

Stoney871
Last year I had the misfortune to bend the speed limit while off duty.
No excuse. 40 in a 30 zone.
Mobile camera on a verge past a bus stop.
Ticket issued bang to rights.
First ticket in 24 years but to be honest not first time I was over the limit (just never been caught).
Luckily I was considered suitable for a speed awareness course.
The course cost £10 more than the ticket would cut no points or insurance company involvement so money well spent.
Tbh instead of a computer based theory test and then the practical test I believe all drivers would benefit from attending the speed awareness course as even being a serving officer I learned valuable stuff and found it very rewarding and definitely not a waste of 4 hours.
I believe my problem was an over familiarity of the roads and the fact that I am expected to legally exceed speed limits on a daily basis but in my own car I had no excuse.
jeebowhite

Yeah I learned my lesson when the policeman pulled up behind me on christmas eve... but if even a serving officer found the course worthwhile, then that speaks volumes!

stevegtuk

those courses are a good idea, people are more likely to learn from that than just being given points, fine and insurance hike.

NorthSussex

For those concerned with drifting over the speed limit, try setting your satnav to beep when you exceed 3 mph over the limit,  it works wonders in keeping you to the limit, but don't rely on it all the time as the map speed limits are not always up to date, so use the eyes as well.

Stoney871
A good answer is one of these-

http://pages.ebay.com/link/?nav=item.view&id=130331221427

It charges from usb and using software you can set camera warning choices.
It also has the handy abilities to submit your own camera locations which they will verify and add to the database and also it beeps to warn you when you are over the posted speed limit.
It's the size of a memory stick and comes with a windscreen clip for firm mounting.
Very useful if you tend to 'accidentally drift' over the limit.
Brigante

A good answer is one of these-

http://pages.ebay.com/link/?nav=item.view&id=130331221427

It charges from usb and using software you can set camera warning choices.
It also has the handy abilities to submit your own camera locations which they will verify and add to the database and also it beeps to warn you when you are over the posted speed limit.
It's the size of a memory stick and comes with a windscreen clip for firm mounting.
Very useful if you tend to 'accidentally drift' over the limit.

 

Is this any different to what my tomtom does?

Stoney871

It's purely an audio warning device that operates by GPS, it sits quietly on the clip until you approach co-ordinates where speed cameras are installed or mobile vans have been logged by users then flashes a light and beeps.

It also constantly calculates your speed relevant to your location and warns you when you go over the posted limit.

It can be annoying as it only stops sounding when you are back to the limit but it is very effective at making you stick to the posted speed.

It also can be updated with new locations and speed changes anytime you like as the support website has the ability for users to mark the locations of any new or unrecorded cameras on a map or by lat/long co-ordinates.

I have one that i loaned to my niece when she was up to 9 points for speeding to try and stop her losing her licence (she's a total scatterbrain and never looks at her speedo).

Failed a bit as the silly moo forgot to turn it on one day and consequently got a 12 month ban for speeding. (also wrote off three cars in one year too).

it did keep her on the road for six months longer than she probably would have without it.

Brigante

ah does just sound like a feature of me tomtom then. useful if someone wants the speed camera/speeding alerts without a satnav

 

jesus, how old is she again? i'd say my old man could do with one but he'd just end up arguing with it n shouting at it to stop beeping at him

Stoney871
Niece is I believe 22, (terrible with birthdays and dates).
Tbh the way she drove it's probably a good job she got a ban.
Brigante

year younger than me then, that is bad

 

i drive like a granny (by that i mean I do 70 on a motorway n don't exceed it) cause i intend on keeping a clean licence

Stoney871
She's a fizzy dizzy bag of energy and can't sit still for five minutes and definitely drives the same way.
Just after she started driving she stacked an escort into a farm gateway and got stuck in mud and ice.
I went to help her and some twonk stacked behind me which meant I was wedged between two crashed cars (no contact with my car, just sandwiched between them) and ended up missing a works Christmas meal because of it.
Not a happy Ted.
DanGersFord
Personally I think it would be a good idea for the government to invest in more speed limit signs on all main roads. Theres nothing worse than when you're in an area you dont know and you miss the sign on the road and then you've got someone driving up your backside cause you're doing 30 in a 40. Having a speed limit sign say every 4-500ft is an effective way to make yiu watch your speed. There is some roads like that up here and that combined with a safety camera sign has me glued to the limit. I've only been caught speeding once and that was about 2 months after I passed my test I was doing 40mph in a 30 and I was extremely fortunate that the officers that pulled me in felt sorry for me because of the price of my insurance (£1300 just TPFT) that they were kind enough to give me just a very stern warning and send me on my way. The best thing that then government did was to introduce the 6points=ban rule within the first 2 years of passing your test. I think they should also introduce a rule that every new driver has to have a blackbox fitted to the car for the first 2 years which would make the majourity of young drivers think if they new theyre insurance would go up if their driving habits were bad ie constantly going over the speed limit etc. It would also reduce premiums with car insurance companies not being able to tar every young (particularly male) drivers with the same brush. Im in general a very good driver dont get me wrong theres been times ive misjudged junctions etc but who hasn't at one point or another. In general though particularly now that ive been driving for a few years I know im a capable and responsible driver. Its not your own driving you need to worry about its other peoples :lol:
b1g_dav3

Would have been nice for a speed sign before I went through a camera at 60 in a new 50 zone, needless to say I'm fighting a loosing battle, seeing the signs weren't up the day I went through it, but were 2 days later (and the ticket came through the post 6 days later, so too late by then to take evidence). If they were really there for safety it'd be good for them to place speed limit signs before them always...

Stoney871
There will be a record of when the signs went up and the new limits were in force.
Do a freedom of information request.
b1g_dav3

Got a solicitor on the case who's having a go as a favour so hopefully might get it :P

 

Just the signs on the road went up 3 days before I went down it, except on the section before the camera coming on to the dual carriage way. Then 2 days after my offence they went up on that spot of road.

Stoney871
If there were correct signs before the area you were caught then tbh you're stuffed.
The ruling with speed signage is that in the absence of repeater or gateway signs then the last sign you passed will remain in force.
E.g. If you were on a 30mph road and were to join a road that you know was previously marked as 40mph but no signs are visible notifying you of any speed change then you must stay at 30mph.
b1g_dav3

Looks like lazy contractors didn't bother to do the work properly -.-

vince_13

some importants figures there, i do have a question regarding mobile speed cameras

 

as yet ive been fairly lucky in that ive been doing the correct speed and then suddenly spotting the van,

 

i was on a 50mph dual carriageway (a500) which i drive up and down every day, i saw the van away in the distance, in a site ive not seen a van there before, looked down had to brake to 50mph (which the bmw sitting on my bumper didnt like much) however the bend that the van was sitting on was a 40mph limit, (the road goes 50, 40 bend, 50 then 70) i slowed down to 50 but would he clock me before the 40 bend or on the 50 straight when i first saw him or clock me doing 50 on a 40 bend?

DanGersFord

some importants figures there, i do have a question regarding mobile speed cameras as yet ive been fairly lucky in that ive been doing the correct speed and then suddenly spotting the van, i was on a 50mph dual carriageway (a500) which i drive up and down every day, i saw the van away in the distance, in a site ive not seen a van there before, looked down had to brake to 50mph (which the bmw sitting on my bumper didnt like much) however the bend that the van was sitting on was a 40mph limit, (the road goes 50, 40 bend, 50 then 70) i slowed down to 50 but would he clock me before the 40 bend or on the 50 straight when i first saw him or clock me doing 50 on a 40 bend?


The bit of the A500 I think you're on about its only advisory to do 40mph have a look and see if the 40mph speed limit sign is triangular shaped. If it is this means its advisory if its circular it means its compulsary. I used to stay in stoke so think I know which bit of the A500 you mean
Stoney871

The van would be aiming quite a distance up the road so would be looking at cars in the 50mph zone.

The camera needs a nice straight lengh of road in order to be able to focus on the car and get an accurate reading.

As long as your speedo wasn't showing over 55mph (allowing for the usual 10% speedo calibration error built into cars) you should be ok.

vince_13

the only 40 sign on there is a rectangle below a triangle warning of a bend, it say max speed, i wish i could remember what i saw on my speedo but all i can remember was braking down to 50 and watching the bmw behind

 

the lane i was in was empty the car infront had just passed the van, which makes me think he had enough time to sight his laser on my plate (being the first car in the lane)

 

is it true that they can do "data spots" they sit in a ideal location and measure the ammount of speeders yet dont actually prosecute or give notice? see it more as a warning

DanGersFord
Yeah that means its only a recommendation that you do 40mph going round the bend :) dont worry about it. Thats where I did my driving lessons and it was my instructor that told me that
vince_13

i dont know why its still 40, given technology and tyres and cars these days taking that corner at 40 is a tad unecessary imo

DanGersFord

i dont know why its still 40, given technology and tyres and cars these days taking that corner at 40 is a tad unecessary imo


As I said because of the triangle its only a recommendation that you do 40mph at the bend but you wont get done for doing 50mph
NorthSussex

Mobile speed cameras are never positioned so that if a motorist were to brake suddenly upon seeing the camera it would cause a collision, therefore they are usually located on a striate piece of road with a constant speed limit.  No excuses for exceeding the speed limit.   :)     

Stoney871

Mobile speed cameras are never positioned so that if a motorist were to brake suddenly upon seeing the camera it would cause a collision, therefore they are usually located on a striate piece of road with a constant speed limit.  No excuses for exceeding the speed limit.   :)     

Indeed, the cameras are there to stop accidents not cause them.

FOCA

The van would be aiming quite a distance up the road so would be looking at cars in the 50mph zone.

The camera needs a nice straight lengh of road in order to be able to focus on the car and get an accurate reading.

As long as your speedo wasn't showing over 55mph (allowing for the usual 10% speedo calibration error built into cars) you should be ok.

 

They say the cameras used to be set to go off at 10% + 2mph (57mph in a 50mph limit) was this true?

 

Then there was talk of "zero tolerance" - are there national guidelines for this or does it depend which county etc you are in?  

NorthSussex

10% but no + 2 mph any more.

Stoney871
Yes, 10% only now.
vince_13

ok cheers guys i say come what may now



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