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NorthSussex

The Cost Of A Motoring Conviction.

44 posts in this topic

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.

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Puts it firmly in perspective methinks.

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

Drive carefully. :unsure:

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Frightening,

Drive safe everyone!

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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?

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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.

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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 >.<

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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

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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.

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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:

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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.

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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 :lol:

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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.

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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!

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

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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.

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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.

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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?

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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.

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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

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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.

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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

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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.

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