43 replies to this topic

[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.    

[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

 

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 ) then my attention has been solely on the road.

[stevegtuk]

not that you ever need to look out for unmarked cars

 

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

 

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

[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 !Removed! im nicked" or words to that effect

[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.