Points

Redliner · Spanner Monkey Joined: 07 Apr 2006 Karma :

How long before they expire?

OR

How long before I dont have to declare them to insurers if there's a difference?

Thanksyou!

LustyLew · World Chat Champion Joined: 19 Apr 2004 Karma :

Valid for 3 years.
Removable after 4 years.
(Most)Insurance companies ask for 5 years.
____________________
Like a Yorkie - I'm not for the girls Wink

Redliner · Spanner Monkey Joined: 07 Apr 2006 Karma :

veeeffarr · Super Spammer Joined: 22 Jul 2004 Karma :

Dished for you.

Mrs Kickstart · Brolly Dolly Joined: 06 Apr 2004 Karma :

Hi,

LH-ER5 is right for most cases but it depends on code as to how long it stays and weather it is from date of conviction or date of offence. The full details are :-

kawakid · World Chat Champion Joined: 15 Mar 2005 Karma :

Rookie · World Chat Champion Joined: 09 Feb 2005 Karma :

I've declared my recent points to the insurers, they didn't bump my premium by a penny! Confused

cheekie monkey · Nova Slayer Joined: 23 May 2006 Karma :

I used to work in insurance, I know, I know, before I get any comments!! Very Happy

If its under 5 points on your licence they don't bump the premium up, 5 and over is when they start to add endorsements/ excesses ect.

They ask for a 5 year record but only look at the points in the last 3 years, if its a minor speeding 'offence'. E.g. SP30, SP50, SP60.
If its traffic light jumping you should be ok.

Drink driving, carless driving, bans ect they do not like full stop to be honest.

Hope this helps.

Lisa

@17500rpm · Borekit Bruiser Joined: 26 Feb 2006 Karma :

how do you go about getting them removed? Do you have to ring them up or what? I know you have to pay..... Confused

Paul@125power · Could Be A Chat Bot Joined: 01 Mar 2006 Karma :

Interestng.

I have a question relating very closly to this.

I have 3 points (SP30) on my licence which is only a provisional at the moment. Will these be carried over when I complete my DA and get my full licence?
____________________
If at first you don't succeed.....destroy all evidence that you tried.

Yamaha YQ100 (RIP)......Honda CBR125R

Rookie · World Chat Champion Joined: 09 Feb 2005 Karma :

Yes, plus you lose your 12 potential points and get 6. What's funny is that if you got 6 points on your provisional, you could just leave it as a provisional. Pass your test with 6 points and you'd get banned the second you pass! Laughing

Redliner · Spanner Monkey Joined: 07 Apr 2006 Karma :

superstacker · Traffic Copper Joined: 20 Feb 2005 Karma :

paulthewitt · World Chat Champion Joined: 17 May 2004 Karma :

cheekie monkey · Nova Slayer Joined: 23 May 2006 Karma :

scampypants · Renault 5 Driver Joined: 25 May 2006 Karma :

is there any companies that `welcome` drivers that have had bans, ive been banned and i have an extended retest, if i redo my test does my bans show up. seeing as it is a clean licence or should i forget insurance and never drive ride again

cheekie monkey · Nova Slayer Joined: 23 May 2006 Karma :

Usually the best place to go is wherever you were insured previously. They have to insure you but they will bump the premium up and excesses. They know you will have difficulty in getting insurance and take advantage of this. They may not cover you for comp either.

My brother was banned, he actually went to confused.com where you get lots of quotes that vary substantially. When you ring any companies up let them know you points/ ban and how long for before they ask for the rest of your details. They will soon let you know if they can or can't insure you. Also save you time on constantly giving your details out.

Depending on when you were banned and what for will decipher how long it is on your licence for and it will be carried forward if you pass your test. Very Happy

Cheekie

scampypants · Renault 5 Driver Joined: 25 May 2006 Karma :

thanks for the advice mr cheeky, i was a bad boy but ive learnt my lesson now. I recieved a two year ban for dangerous driving and i got banned three years ago for drink driving for nine months with one of them courses.

As im coming upto my ban being lifted i want to start again on the right foot and dont want to lie to insurance companies hoping that im not going to have an accident and hurt someone. But it seems that they are forcing my hand into breaking the law again. Im working for myself now and need some kind of transport to get to and from work. It winds me up that ive served my time for my law breaking yet i still have to serve another sentence that the insurance companies are imposing. bah im sorry im ranting

cheekie monkey · Nova Slayer Joined: 23 May 2006 Karma :

Thats ok, except its Miss Cheekie!! Laughing

To be honest, they will find out if you lie i'm afraid. They have a database which all insurance companies have access to and eventually it will catch up on you.

Get a cheap run around, low engine for a year or 3.

scampypants · Renault 5 Driver Joined: 25 May 2006 Karma :

i apologise miss,

thanks for that i just got an old gpz500 for the same purpose but i think im gonna have trouble with that, i tried getting quotes at a different address in my street with a different name so nothing shows on my name. i even tried to get a quote for a 1 litre car but got no joy. Im gonna check out the feasability of being a named driver on someone elses policy, or i might insure a 125 for a lot more than its worth with carol and just ride my bike on that and get me freinds to tax it.

Bod · Traffic Copper Joined: 18 Mar 2004 Karma :

My missus had a crash the other day and to my shock and horror,,,,she didnt tell me she had 3 points for speeding, was 2-3 years ago and i aint declared it on the insurance for not knowing, am I fooked?