Jump to content


Show
Photo

The Cost Of A Motoring Conviction.


  • Please log in to reply
43 replies to this topic

#1 NorthSussex

NorthSussex

    Too much time on the boards

  • True Ford Enthusiast
  • PipPipPipPip
  • 976 posts
  • Name: Stormin
  • Ford Model: Focus 1.8 Petrol manual
  • Year: 2009
  • Location: Greater London

Posted 12 March 2013 - 05:55 PM

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.





 



Have something to contribute?

Sign in or register to start a topic...

Sign up to FOC Premium Membership To Remove These Ads

#2 Stoney871

Stoney871

    Resident Peacekeeper

  • Super Mod
  • 13,965 posts
  • Name: Clive
  • Ford Model: Focus mk2 1.8 TDCI Sport
  • Year: 2007
  • Location: Devon
Contributor

Posted 12 March 2013 - 06:10 PM

Puts it firmly in perspective methinks.



#3 stef123

stef123

    Ford Enthusiast

  • Management
  • 4,624 posts
  • Name: Stef
  • Ford Model: Mondeo ST TDCI
  • Year: 2006
  • Location: Scotland
Contributor

Posted 12 March 2013 - 07:45 PM

quite an interesting read



#4 NorthSussex

NorthSussex

    Too much time on the boards

  • True Ford Enthusiast
  • PipPipPipPip
  • 976 posts
  • Name: Stormin
  • Ford Model: Focus 1.8 Petrol manual
  • Year: 2009
  • Location: Greater London

Posted 12 March 2013 - 08:05 PM

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

 

Drive carefully.   :unsure: 



#5 jeebowhite

jeebowhite

    Resident Loon

  • Super Mod
  • 14,765 posts
  • Name: James
  • Ford Model: Sea Grey Mondeo MKIV 1.8TDCi 140ps Zetec
  • Year: 2007
  • Location: Kent
Contributor

Posted 13 March 2013 - 11:20 AM

Ouch...



#6 Spiderham

Spiderham

    Newbie

  • New Member
  • Pip
  • 5 posts
  • Name: Kevin
  • Ford Model: Fiesta 1.4tdci blue
  • Year: 2008
  • Location: Ayrshire

Posted 13 March 2013 - 01:26 PM

Frightening,

Drive safe everyone!

#7 jeebowhite

jeebowhite

    Resident Loon

  • Super Mod
  • 14,765 posts
  • Name: James
  • Ford Model: Sea Grey Mondeo MKIV 1.8TDCi 140ps Zetec
  • Year: 2007
  • Location: Kent
Contributor

Posted 13 March 2013 - 01:53 PM

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?



#8 Preee

Preee

    Ford Fruitcake

  • Moderator
  • 4,098 posts
  • Name: Paul
  • Ford Model: Focus Tit X Mk3 | Fiesta Zetec Mk7
  • Year: 2012
  • Location: Shropshire
Contributor

Posted 13 March 2013 - 08:23 PM

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.



#9 b1g_dav3

b1g_dav3

    Ford Enthusiast

  • Moderator
  • 2,498 posts
  • Name: David
  • Ford Model: Fiesta Zetec S TDCi
  • Year: 2013
  • Location: Lancashire
Contributor

Posted 13 March 2013 - 09:10 PM

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 >.<



#10 stevegtuk

stevegtuk

    Stevegtuk

  • Budding Enthusiast
  • PipPipPipPip
  • 499 posts
  • Name: Steve
  • Ford Model: MONDEO
  • Year: 2006
  • Location: Yorkshire

Posted 13 March 2013 - 09:51 PM

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



#11 jeebowhite

jeebowhite

    Resident Loon

  • Super Mod
  • 14,765 posts
  • Name: James
  • Ford Model: Sea Grey Mondeo MKIV 1.8TDCi 140ps Zetec
  • Year: 2007
  • Location: Kent
Contributor

Posted 14 March 2013 - 10:09 AM

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.



#12 stevegtuk

stevegtuk

    Stevegtuk

  • Budding Enthusiast
  • PipPipPipPip
  • 499 posts
  • Name: Steve
  • Ford Model: MONDEO
  • Year: 2006
  • Location: Yorkshire

Posted 14 March 2013 - 10:34 AM

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:



#13 Stoney871

Stoney871

    Resident Peacekeeper

  • Super Mod
  • 13,965 posts
  • Name: Clive
  • Ford Model: Focus mk2 1.8 TDCI Sport
  • Year: 2007
  • Location: Devon
Contributor

Posted 14 March 2013 - 10:46 AM

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.

#14 stevegtuk

stevegtuk

    Stevegtuk

  • Budding Enthusiast
  • PipPipPipPip
  • 499 posts
  • Name: Steve
  • Ford Model: MONDEO
  • Year: 2006
  • Location: Yorkshire

Posted 14 March 2013 - 11:03 AM

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:



#15 Stoney871

Stoney871

    Resident Peacekeeper

  • Super Mod
  • 13,965 posts
  • Name: Clive
  • Ford Model: Focus mk2 1.8 TDCI Sport
  • Year: 2007
  • Location: Devon
Contributor

Posted 14 March 2013 - 12:13 PM

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.

Have something to contribute?

Sign in or register to start a topic...


Not what you're looking for?

Register now, we have a huge community of enthusiasts to answer any questions you might have



0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users