Insurers targeting speeders with steep rise in premiums

Darren

First time speeders are finding that it's not just the fine that is hitting their wallets.

Insurers used to overlook the first speeding offence when calculating insurance premiums but attitudes have changed. The previously relaxed attitude to first time offenders has gone with many insurers now loading motor policies for first time speeding convictions.

This equates to an increase in premiums of 10% for drivers in their forties and rises to more than 20% for drivers in their twenties for a driver with three points on his or her licence. Drivers with more than nine points can expect their premiums to rise by more than half.

In many cases the premium increase can cost you far more than the actual fine. Insurers are basing these new costs on data that shows drivers with a poor driving record are more likely to make a claim than those who hold clean driving licences.

And if you're convicted of using a mobile phone whilst driving, the outlook is even bleaker. Premium increases of 60% are commonplace and some insurers will no longer automatically quote for a renewal.
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Darren Griffin

sussamb · Posted: Wed Mar 21, 2012 10:06 am Post subject:

Maybe that might help get the message through ... driving while speaking on a mobile phone is not only illegal but dangerous to both the person on the phone and to all the other drivers around him/her ... Evil or Very Mad

G1LIW · Posted: Wed Mar 21, 2012 10:20 am Post subject:

One can only hope, but somehow, I doubt it'll change much for a while yet - it's a very rare day when I fail to see someone driving while on the blower in South London.
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PaulB2005 · Posted: Wed Mar 21, 2012 10:37 am Post subject:

Depends how well they advertise the increases.

If they don't tell drivers there's no deterant. Drivers then get punished after the fact and if they can't afford the insurance may run the risk of not bothering. Better to deter than punish.

Perhaps if the fines were massive too.....

Kremmen · Posted: Wed Mar 21, 2012 10:56 am Post subject:

Guivre46 · Posted: Wed Mar 21, 2012 11:24 am Post subject:

Oh well, more uninsured drivers......
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G1LIW · Posted: Wed Mar 21, 2012 12:32 pm Post subject:

Kremmen · Posted: Wed Mar 21, 2012 1:26 pm Post subject:

Yes - I forgot to finish off my observations with the statement :

..... and when I do eventually get past them they are indeed driving one handed and have a phone on their ear.

Plus:

If their drivers window is open then they get a blast of the horn just to let them know I'm passing, which must let the other party on the phone know that they are driving.
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Andy_P · Posted: Wed Mar 21, 2012 2:21 pm Post subject:

sussamb · Posted: Wed Mar 21, 2012 2:55 pm Post subject:

Problem is that most people doing it ARE doing it badly Twisted Evil

Andy_P · Posted: Wed Mar 21, 2012 3:47 pm Post subject:

True enough! Very Happy

But as others have said, you could already prosecute for driving without due care and attention.
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Oldboy · Posted: Wed Mar 21, 2012 6:42 pm Post subject:

G1LIW · Posted: Wed Mar 21, 2012 9:22 pm Post subject:

253 · Posted: Wed Mar 21, 2012 9:45 pm Post subject:

It's great how these threads evolve from the original post.
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AndyWilson · Occasional Visitor Joined: May 11, 2004 Posts: 26

Just worth pointing as, as a diabetic, that diabetes is NOT a notifiable illness.

The majority of diabetics are treated by diet or tablets. Only if you take insulin do you need to notify the DVLA.

http://www.diabetes.org.uk/Guide-to-diabetes/Living_with_diabetes/Driving/Informing_the_DVLA/

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