Caught speeding - insurance consequences

[blue_painted]

I recently got photo-flashed going through a speed camera. I've copped to it: It was me. I was going that little bit over limit.

Given that, what can I expect from the insurance company?
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GP-100 -> CB250RS -> CBX550F2 (pause) KR1S -> RD350YPVS -> ZX6-R (pause) CD200 ->Mash 400 -> T100 (current) & (R1100RT scrapped pile o' shite) (CB250 Nighthawk - SORN in shed) Meteor 350 (current)

[Mudshark]

depends what you get, was it insta-ban territory?

[bhinso]

Have you had the NIP yet?
Generally if it's only 3 points (SP30) not too much, although you have to declare them for 5 years which is annoying.
I think once you get more than 3 is when it starts to get expensive.
I recently heard a rumour that some premiums go DOWN because they think you will be more careful, but could just be 4-square court gossip.

[wots]

I had an SP30 for a while, didn't bother me.

Wife had an SP50 and at one point they wouldn't insure her on my van and other premiums went up for her. SP50 is speeding on a motorway, which I would consider a 'safer' place to speed, if you see what I mean.

Very strange.

Unless you already have points, don't worry.
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Currently: Yamaha DT 125 LC2,Repsol Fireblade, and Bumblebee MSX 125

[Loui5D]

[blue_painted]

It was 40 in a 30, so well out of insta-ban I think.

It's been years since I've had an SP30 so I expect things to have changed, probably for the worse!

Pepipoo is interesting, presumably something we'll lose when disconnected from the ECHR, but I remember the circumstances clearly so I'm not going to bother to contest it.
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GP-100 -> CB250RS -> CBX550F2 (pause) KR1S -> RD350YPVS -> ZX6-R (pause) CD200 ->Mash 400 -> T100 (current) & (R1100RT scrapped pile o' shite) (CB250 Nighthawk - SORN in shed) Meteor 350 (current)

[AshWebster]

its not as bad as you think. I declared my accident from 4 years ago and 9 points and it only went up 70 from 400 to 470
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Honda cg125 J reg peice of shit ---> CB650F ---> 2016 CBR600RR
Ford KA ---> 93' MR2 ---> 94'MR2 ---> 98' Subaru WRX STI Ver 3 (track car)

[rhys99]

being 18 you'd have thought 3 points would make insurance a nightmare but it hasn't affected my bike policy at all, it has added £2-400 on car insurance depending on the insurer though.
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21:16:02 Fin: I got a girl to believe I have a huge dick today, she's going to be so disappointed
K̶5̶ ̶S̶V̶6̶5̶0̶S̶ K3 SV650N

[Aceslock]

Do a speed awareness course if you havent already done one........ no points on license, no issue.
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Previous Bike: Skyjet SJ27
Sold: Yamaha YZF 600 R Thundercat. Sold: ZX636R
Current bike: R1 14B (Beast)

[Beehive Bedlam]

3 points makes no difference.

I had 9 at one point difference was only about 100 odd ponds.

[TheSmiler]

[Andy_Pagin]

Got three points for jumping a red a few years ago. Don't recall it making any life-changing differences to my insurance, more like a slightly irritating small increase in premiums, I've had worse with a bog standard no-points renewal quote.
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the men in white coats are coming to take me away.
Yamaha Vity -> YBR125 -> FZS600 Fazer -> FZ1-S Fazer

[bhinso]

[Aceslock]

[bhinso]

I think you can only exceed the speed limit by less than a certain amount (or percentage). Something like 8mph over maximum

[Nobby the Bastard]

Had one recently. I'm fucked if I'm giving a day of my life to be told how to tell what the speed is for a given road (I can tell by the circular signs with numbers in, whether or not I'll abide by it is another matter entirely) so take the points.

The three points have had no difference to my insurance at all.
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Sprint ST 1050

[Aceslock]

[grr666]

After Saturdays x figure blat along the M5, (got a bit carried away hooning with the Akra) I'm keeping an eye on the letterbox.
Slowed it down a bit at Cribbs Causeway when the smart motorway gantries begin but prior to that I was flat out so insta
ban and probably jail if I did get my picture taken.... Was too busy trying to stay on to the thing to look around for cameras We'll see.
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Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off.

[bhinso]

[Big Jock]

I bought a Z4M a few years back and lost my license for 6 months after building up too many points from being caught speeding.
The points put my premium up very slightly and when I cam back from my ban I actually found an insurance company who insured me for less than my original premium before any of my points.

From my experience claims affect your premium a lot more than points do. Not sure if that's the same for bikes though. Hopefully I'll not have to find out

[skatefreak]

Speed Awareness course is allegedly becoming a bit of a moot point as Insurers are catching on and now asking you if you've attended one in the last x number of years.

The assumption is they will hit you as hard be it an awareness course or 3 points so if this is the case then surely on balance the points are a cheaper option?

[andys675]

last time I had 6 points from 2 separate SP30's the loading was 25%

when I got an SP50 and a 7 day ban it made no difference, as there were no points
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Some people feel the rain, others just get wet.

[Aceslock]

[blue_painted]

The NIP gave the threshold for speed awareness course as 41mph, so I just squeaked under that. (Had it not been Big Bulky Bonnie I might have been slower)

Thanks all.
____________________
GP-100 -> CB250RS -> CBX550F2 (pause) KR1S -> RD350YPVS -> ZX6-R (pause) CD200 ->Mash 400 -> T100 (current) & (R1100RT scrapped pile o' shite) (CB250 Nighthawk - SORN in shed) Meteor 350 (current)

[Jayy]

61mph in a 30mph = 28 day ban, 0 points, £200 fine.

That doubled my insurance for 5 years.