3 points

watters · Post by **watters** » Mar 3rd, '04, 17:08

how much difference would 3 points make to my insurance?
im 19 with 3 years no claims and my insurance is up for renewal this year,i got 3 points in october.

Monkey · Post by **Monkey** » Mar 4th, '04, 10:39

As I understand it, it's 6 and above when things get really expensive, insurers aren't so worried about the odd 3. I'd imagine it will still increase your premium to some degree.

Let us know when you renew, I'd be interest to know (not becuase I have points

)

BigThumpa · Post by **BigThumpa** » Mar 18th, '04, 21:10

They weren't interested in the 3 I got.

bikerz · Post by **bikerz** » May 9th, '05, 13:08

no one cares about 3 points, tho ur on for about %50 heft if u got 6!

furry · Post by **furry** » May 9th, '05, 17:38

Depends who you insure with...alot of insurance companys now charge an extra £50 per yr per 3 pnts you have!

bikerz · Post by **bikerz** » May 12th, '05, 08:07

£50 is nothing when ur paying the premiums i am.lol

andrew · Post by **andrew** » May 12th, '05, 13:22

I have been told by one previous company (sorry can't remember which one) that i would be charged 15% for every motoring conviction on my licence. Things have certainly got cheaper now i'm not on 9 points

chris_1127 · Post by **chris_1127** » May 12th, '05, 13:27

one thing i did find annoying is that even though points come off your licence after 3 or 4 years (i forget but theyve gone now anyway

), the insurance companies i got quotes from still ask if you have had any convictions within the last 5, by which time theyd be spent convictions anyway

andrew · Post by **andrew** » May 12th, '05, 14:05

its strange what actually happens is

Points are valid for 3 years but
They stay on your licence for 4 years but
Insurance companies want ton know for the past 5 years.

However from my experience points that are no longer valid (i.e. older than 3 years) don't actually effect your premium - although this may not be true for all policies.

bikerz · Post by **bikerz** » May 12th, '05, 15:24

well if they been removed off ur licence, how would an incurance company know? i wouldnt bother telling them if they off ur licence!

Jay · Post by **Jay** » May 12th, '05, 15:29

but if you don't tell them about points which have been removed with in the last fives years then your insurance may become invalid

, so you are better off telling the truth....Always have, always will

chris_1127 · Post by **chris_1127** » May 12th, '05, 15:29

id rather declare it and pay the extra, rather than run the risk of them being able to check with dvla and potentially invalidating your insurance if you have a claim... same with modifications too, if you dont declare them it saves you money on your premium, but you are in effect invalidating your cover and therefore riding w/o insurance

bikerz · Post by **bikerz** » May 12th, '05, 15:30

yeah, i was just saying tho.

Aragorn · Post by **Aragorn** » May 12th, '05, 17:11

chris_1127";p="32495 wrote:id rather declare it and pay the extra, rather than run the risk of them being able to check with dvla and potentially invalidating your insurance if you have a claim... same with modifications too, if you dont declare them it saves you money on your premium, but you are in effect invalidating your cover and therefore riding w/o insurance

Did you know if you change the handlebars e.g. to renthals, it effects your premium, but if you change to a legal exhaust can it doesnt !!!!

CBR Sam · Post by **CBR Sam** » May 12th, '05, 17:55

When i changed insurance company i decided to declair my 5 points and it made my insurance 200 quid cheaper!!!! HOW do the work that out????

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