Declaring points on your license to insurance...

[Deeeee]

Do you have to tell your insurance company when you get the points or when you renew?

As on several forums on the internet i've heard different views

Let me know asap

Cheers

[0rang3peel]

when you renew

[maddison_vts]

in a word yes. but as orangepeel said don't bother telling them until you either renew or change the car on the policy.

If you don't tell them there is all the crap of void insurance etc.

[adam19]

I didnt tell my insurance till I renewed it

[chinkostu]

Depends on the insurers, lots say just tell them when you renew (like i did)

[MoonstoneBen]

when you renew, well thats what i would do

[NickJ]

Would phone insurance company personally and check with them

Worst case scenario, you have an accident, insurer finds out you now have points and voids your policy, the excuse 'my mates on Sax-P said I don't have to declare until renewal' won't stand very strong

[vts-dave]

take it from me tell them as soon as you get them! i didnt and i had an accident and they checked dvla found out i had points and hadnt told them and never paid out on the accident leaving me out of pocket!

[Tontsy]

when i insure motors, they must think i lie

insurer : "do you have any points"
me : "no"

they obviously think, hmm a 21 year old, with no points... somethings not right here.

[blackie_2k5]

ive never declared untill renewal, it normally only makes a difference if your paying monthly, i always pay outright so it doesnt really matter

but if i got anymore i wouldnt be ringing up to tell them tbh, i took out a contract with X points and still use same car etc, it should not matter.......................... only normally changes on hire purchase insurance as youve not actually settled your years cover, so for the remainder they can charge you more for that period :y:

[Deeeee]

Ahhh checked my insurance with bell and it says that it unacceptable driving conviction (MS60) wont insure me what so ever, checked compare the market and there trying to charge £4649 at the cheapest! which has went from £700 for a year with 3 years no claims to that with 4 years no claims and 3 points! rediculous!

[NickJ]

What did you do to get an MS60?

[blackie_2k5]

i told you to fight it, £200 max court cost would be nothing in comparison ;)

youve got this for the next 4 years now, and trust me ive got an sp50, it only goes up every year, not down...

if you failed court youd probs have only got a bout £40 costs anyway, id try appeal it if i were you

[Yates]

i told you to fight it, £200 max court cost would be nothing in comparison ;)

youve got this for the next 4 years now, and trust me ive got an sp50, it only goes up every year, not down...

if you failed court youd probs have only got a bout £40 costs anyway, id try appeal it if i were you

i have an sp50 never gone up untill this year, its due off next year, unless you have mega points from my experience no one cares about 3 points any more as there are so many cameras about n so on. only reason its gone up this year is cos of the shit state the country is in, i dont know anyone whose insurance has gone up

[Deeeee]

if i fought it, got found guilty i would have got a £1000 fine and 6points + court costs, i would rather just accept the 3 points and 60quid but im confused to as why they havent given me an MS30 which would have been more in my category or maybe CD10 driving without due care and attention, sure an MS60 is just something they give to "boy racers" to put them all in the same category

[blackie_2k5]

i have an sp50 never gone up untill this year, its due off next year, unless you have mega points from my experience no one cares about 3 points any more as there are so many cameras about n so on. only reason its gone up this year is cos of the shit state the country is in, i dont know anyone whose insurance has gone up

mines been up every year

how old are you yates?, im only 22... and i have another 3 points for parking offence, so i get abused tbh

[blackie_2k5]

if i fought it, got found guilty i would have got a £1000 fine and 6points + court costs, i would rather just accept the 3 points and 60quid but im confused to as why they havent given me an MS30 which would have been more in my category or maybe CD10 driving without due care and attention, sure an MS60 is just something they give to "boy racers" to put them all in the same category

you wouldnt have got that, thats a maximum, they just say that to scare you.. you should have rang that wanker from the chronicle ;)

[Yates]

mines been up every year

how old are you yates?, im only 22... and i have another 3 points for parking offence, so i get abused tbh

just turned 27, suppose having 6 points wont be the best then lol

[blackie_2k5]

just turned 27, suppose having 6 points wont be the best then lol

the parking points mean nothing, i dont think ive done a quote yet that made a diff with them on, its being 22 and having a speeding offence thats suck ass, off in june next year, provided i dont get any more it "should" be plain sailing

only got rid of 3 for sp30 back end of last year aswell :(

....for anyone wondering im not that much of a cock....i drive for a living and am pretty unlucky tbf

[Quick]

The type of offense will affect the insurance rating as you have found out!

[Ross]

sp50 made no difference for me - the ONLY good thing about being old :p

107mph. 3 points, £60 fine. SP50. Sorted.

[Mochachino]

I havnt decalred any points to my insurance

[Ross]

I havnt decalred any points to my insurance

Easy when you don't have any, eh? ;)

[Mochachino]

Easy when you don't have any, eh? ;)

You cought me out :( was hoping a saxp citizen would bite my bait then lol

[Ross]

You cought me out :( was hoping a saxp citizen would bite my bait then lol

haha I saw right through your scam there ;)It's late, but not so late I'm sleeping :p

[Deeeee]

MS60 is pathetic! bell are just refusing to insure me as its "unacceptable" and any other quote i get is £4000+ anyone have any idea what i can do :(

[Quick]

http://www.all-about-the-bike.co.uk/ekmps/shops/mrsquealypig/images/haro-flightline-24-2009-pink-girls-hardtail-mountain-bike-free-delivery--2780-p.gif

[Deeeee]

always one prick that takes a serious matter too far....

[Quick]

You asked for ideas and you got one, simples..........

[Deeeee]

obviously its about the matter in hand not another subject....

[Mochachino]

http://profile.ak.fbcdn.net/hprofile-ak-snc4/50283_327996260249_1642753_n.jpg

[Deeeee]

:n::n::n:

[Juggyluggs]

lmfao hahaha someone gave you a solution and you spat it back in his face he was only trying to help ;)

[Quick]

Looks lke your options are:-

Pay more for insurance due to points and wait till points come off.

Stop driving and use other means!


How did you get the points???
Do you need the car for work?

Having told one company that you have the points means that it will be in the insurance system.

[Jay_]

what's an ms60?

[Juggyluggs]

google driving offence codes jay ;)

[Lionsden]

I had 4 or 5 years of having to declare CD10 (careless driving) which put my premiums up a lot (from £500 to around £1200). This was 15 years ago in my first or second year of driving, but it was better than being banned like they tried to do. Just keep looking and you will find someone who is willing to insure you, but the way insurance prices are these days it will really hit your pocket!!!

Probably a daft question but have you tried all the companies that don't advertise on go-compare etc, there are loads of brokers to try but it means calling them and getting quotes over the phone. I have to do this now insuring my 4x4 as it's re-registered as a campervan and the nearest qoute I got online was £3000+ after a day or two of calling different brokers I got it down to just under £600.

[Moke]

always one prick that takes a serious matter too far....

At least he's not breaking the law :homme:

[Piggie]

From what ive read MS60 is the worst code you can get. It is generic so the insurers cannot be sure exactly what you did. So they assume the worst. Gutted mate.

If i was you id seriously reconsider the bike.

[devilsadvocate]

Ring up your insurer and ask or look for a policy document on their website

Elephant/Admiral/Bell for example don't require you to tell them about points until you renew

Other insurers may be different, always best to check!

[Jay_]

google driving offence codes jay ;)

no. I want someone to tell me. :homme:

[devilsadvocate]

Nice and specific:


Code - MS60
Description - Offences not covered by other codes
Points given - As Appropriate

[Piggie]

Nice and specific:

Doesnt this mean its the worst one possible because your actual offence isnt known. Therefore theyd assume it was very bad?

[blackie_2k5]

drink driving are worse, but ms60 is naughty as it can mean alot!

my pc30 can mean diff things to to diff insurers, eg one it means parked vehicle in pedestrian controlled area, another it can mean, stationery vehicle pedestrian crossing, and another it can mean vehicle in contradiction of public corossing etc etc, never seen so many diff explanations of the same code!

direct.gov lists: Contravention of pedestrian crossing regulations with stationary vehicle

[blackie_2k5]

Doesnt this mean its the worst one possible because your actual offence isnt known. Therefore theyd assume it was very bad?

pretty much, but death by dangerous driving is worse



best off getting a smaller engine car and looking for a specialist company


or again....mr justice ;)

[Piggie]

Well obviously killing someone, drugs and drinking are the worst.

I fell harsh on you mate your clearly going to get bummed. If i was you id stock up on lube and get your pants down in preperation :y:

[blackie_2k5]

Well obviously killing someone, drugs and drinking are the worst.

I fell harsh on you mate your clearly going to get bummed. If i was you id stock up on lube and get your pants down in preperation :y:


ms60 can also be used to cover that though ;)

i think youve been well shafted getting that code and would urge you to challenge it pretty quick!

[Deeeee]

Woooooooooooooo

been to citizens advice and the guy said theres nothing you can do, rang up the northumbria police fixed penalty unit and they said i need to write a letter to the awarding officer as the subject he put down means i get this points code, if he accepts that i need my car for work and to transport my mother around (due to disability) he may change it if he feels my conviction was too harsh

Rang up insurance thinking my policy was going to get cancelled or shoot up by £££'s but nope, £17.50 admin charge until the end of my policy but they wont renew my policy with this code on

So come February if my convition code hasnt changed im going to be going through insurance brokers as the code to them is more specific than just "MS60" no insurance, they will ask what its for

[Prickle]

i probablys wouldnt. /creates dramah

[devilsadvocate]

Doesnt this mean its the worst one possible because your actual offence isnt known. Therefore theyd assume it was very bad?

Could mean you you were shagging a horse whilst doing a headstand on a motorbike at 150mph down the M1

To be honest, most online quotes are going to whack the price up because this code could mean you had done all sorts of things.

Either ring up the companies and explain what the conviction is actually for or possibly go through an insurance broker

[Deeeee]

Cheers for the sound advice devils, really appreciated