Why has my insurance gone up so much?

[motocrossjord]

Hi all, i lost my license a few months ago for getting more than 6 points in my first two years of driving. ( 3 points for no rear L plate on my scooter at 16, 3 points as had no indicators as my relay had burnt out )

Before i lost my license, my insurance was just under £1700 for my vtr at 18 years old.
Recently got my license back, and done a few quotes and i CANNOT get one for less than £3200?! And this is just me seeing what it would be WITHOUT my points or telling them ive lost my license ( just wanted to know what it would be if i didnt have points and kept my license )

Has insurance gone up massivly recently? or will it pick up on the system that i have lost my license? :S any help why its jumped up over £1500 in a matter of a few months, id be very greatful, cheers Jordan.

[Cam]

Bit of both.

[kennym1987]

they dont pick anything up on the system. you have to tell them. i have IN10 on my licence and was told by my insurer that because i dont have any points i dont have to declare it

[Ross]

they dont pick anything up on the system. you have to tell them. i have IN10 on my licence and was told by my insurer that because i dont have any points i dont have to declare it

Er...

So when they ask specifically "Have you had any motoring convictions in the last 5 years?" Your answer better be yes... Not declaring it would invalidate your policy, regardless of what someone says on the phone!

I'm also (genuinely) interested to see how anyone got an IN10 without points, as the court guidelines are 6 points (minimum) to 12 months disqualification. Which court did you attend when summonsed for the IN10? I presume you got a period of disqualification then (ie 14 days) etc?

[devilsadvocate]

they dont pick anything up on the system. you have to tell them. i have IN10 on my licence and was told by my insurer that because i dont have any points i dont have to declare it

Are you for real?

As Ross said, you have a responsibility to tell your insurance company about any motoring conviction...whether you recieved points or not.

To the OP, it's likely a combination of losing your licence and insurance going up in price.

Think about it, you are already a high risk driver (for only passing your test recently) so couple that with being a recently disqualified driver........I would think yourself lucky you are even getting quotes..

[motocrossjord]

Are you for real?

As Ross said, you have a responsibility to tell your insurance company about any motoring conviction...whether you recieved points or not.

To the OP, it's likely a combination of losing your licence and insurance going up in price.

Think about it, you are already a high risk driver (for only passing your test recently) so couple that with being a recently disqualified driver........I would think yourself lucky you are even getting quotes..

:/ i guess. Load of crap really imo. Cheers

[devilsadvocate]

:/ i guess. Load of crap really imo. Cheers

You lost your licence mate, insurance is calculated on how much of a risk you pose.

You reduce your risk rating by building up NCB and not getting any driving convictions.

On the basis that you have done the opposite, this has increased your risk rating thereby increasing the amount you have to pay to get insurance.

[knight-22]

this has increased your risk rating thereby increasing the amount you have to pay to get insurance.

Yeah my "risk rating" went up when i was rear-ended by a van. I have to pay an extra £290... because someone drove into me. :y: As ive been involved in an accident, im statistically more likely to be involved in another one.

[motocrossjord]

You lost your licence mate, insurance is calculated on how much of a risk you pose.

You reduce your risk rating by building up NCB and not getting any driving convictions.

On the basis that you have done the opposite, this has increased your risk rating thereby increasing the amount you have to pay to get insurance.

I know mate, just so annoying. Could understand more if the convictions were for dangerous driving etc, ohwell just have to keep looking :)

[devilsadvocate]

Yeah my "risk rating" went up when i was rear-ended by a van. I have to pay an extra £290... because someone drove into me. :y: As ive been involved in an accident, im statistically more likely to be involved in another one.

Absolutely spot on.

Not suggesting it's fair but until they are regulated properly, that's the way it works!

[blackie_2k5]

combination of how much insurance has gone up in a percentage....and how much insurance cost for someone who in their eyes has just passed their test....because you will have only just received a license in their eyes ;)

edit- did you get the L plate points before you passed your car test?

[motocrossjord]

combination of how much insurance has gone up in a percentage....and how much insurance cost for someone who in their eyes has just passed their test....because you will have only just received a license in their eyes ;)

edit- did you get the L plate points before you passed your car test?


Yes mate was 16 years old, on my CBT.

[mlawlan69]

Yeah my "risk rating" went up when i was rear-ended by a van. I have to pay an extra £290... because someone drove into me. :y: As ive been involved in an accident, im statistically more likely to be involved in another one.

i was side swiped by a woman pulling out of a junction who "didn't see me"

if my insurance goes up come renewal (feb) then it's back to the peasant wagons for me :'(

already paying 2.5k for a 1.4 !!!

[motocrossjord]

i was side swiped by a woman pulling out of a junction who "didn't see me"

if my insurance goes up come renewal (feb) then it's back to the peasant wagons for me :'(

already paying 2.5k for a 1.4 !!!


Wow dude i feel for ya. Thats expensive! What i dont understand is this, a month ago i was looking at quotes for when i pass and i could get insured on a vts!! for £2800, just dont make sense.

Just got my vtr down to £2800, but this is all without adding my points on etc.

[Ross]

i was side swiped by a woman pulling out of a junction who "didn't see me"

if my insurance goes up come renewal (feb) then it's back to the peasant wagons for me :'(

already paying 2.5k for a 1.4 !!!

If it's her fault, sue her for the difference in your premium - her insurance company can pay out.

[blackie_2k5]

Yes mate was 16 years old, on my CBT.

then you got bummed and you shouldnt have lost your license, it stipulates that you cannot tot up 6 points within your fisrt 2 years of driving, it doesnt say you cant already have 3!

what happens to the ppl who have 6 or more points before they pass their test? are then not allowed to sit a test untill these have gone, i think not ;)

[MiniGibbo]

then you got bummed and you shouldnt have lost your license, it stipulates that you cannot tot up 6 points within your fisrt 2 years of driving, it doesnt say you cant already have 3!

what happens to the ppl who have 6 or more points before they pass their test? are then not allowed to sit a test untill these have gone, i think not ;)

Friend of mine got three points for speeding on a scooter then past his test at seventeen as you do but got caught speeding year later and received a 60day ban for maxing out his six points??

[blackie_2k5]

lol thats not even standard practise! revoking is what happens = resit

he got bummed aswell tbh, i got 3 points for speeding on my bike, got another 3 when i passed my test for doing 96mph and i never had my license revoked ;)


theyll have you for anything if your not savvy, polish lad got banned at work for same thing, hed been driving for7 years, applied for an english license and they give him one, he got 6 points and they banned him as hed not had an english license 2 years, that meant he had no license at all, took his bike license aswell

he was going to lose his job, but this wasnt the case and after 6 weeks of abuse on the phone and emails they aggreed that he shouldnt have lost his license and returned it!