nickzzz Posted February 10, 2011 Share Posted February 10, 2011 got pulled by the police yesterday, was driving down a hill and my lane was a single with two lanes coming uphill. There was a section where my lane could overtake into 2nd lane coming uphill, i was stuck behind 2 trucks and saw just one car coming other way&quite a long way off so i went for it. By time i could pull back in, lines dividing carriageways had turned solid and at this point i realised oncoming car was highway patrol!! They turned around, pullled me over and gave me 3 points for ignoring white lines. Admittedly they were quite friendly! This was in a work van mind, would have easily made it in the zed! I'm now panicking as to how much this will affect my insurance renewal as i found last one bad enough! I already have an sp30 (again in a work van) from march 08. I currently have 7 years no claims and am 28. The new conviction is ts20 i think! Anybody have any idea how much this could affect quotes? Hope i don't have to sell my beloved zed! Quote Link to comment Share on other sites More sharing options...
Tarmac@TarmacSportz Posted February 10, 2011 Share Posted February 10, 2011 Bet it will be a fair amount..... insurance companies are crippling drivers at the moment who don't have points so it will be worse for those who do. All the best bud Quote Link to comment Share on other sites More sharing options...
sparky370z Posted February 10, 2011 Share Posted February 10, 2011 i got done for using my phone. got bloody 3 points!!! i wonder how much that will affect me. clean licence so far. do they take into account what offence it was? Quote Link to comment Share on other sites More sharing options...
nickzzz Posted February 10, 2011 Author Share Posted February 10, 2011 i know its a joke! Think they're slowly trying to force us out of performance cars! Its annoying that all my points are work related, i do a lot of miles with work (20k plus) but have a 5k limit for the zed. Just praying it doesn't get so bad to insure that i can't justify it anymore! Quote Link to comment Share on other sites More sharing options...
UNABASHED Posted February 10, 2011 Share Posted February 10, 2011 i got done for using my phone. got bloody 3 points!!! Quite rightly so! Quote Link to comment Share on other sites More sharing options...
Pimm Posted February 10, 2011 Share Posted February 10, 2011 I find that 3 points normally adds on £50 per set on my insurance, not end of the world but just a shame they last for 5 years Quote Link to comment Share on other sites More sharing options...
nickzzz Posted February 10, 2011 Author Share Posted February 10, 2011 i think the type of conviction must have differing effects on insurance, but someone else might have a better idea. For example dangerous driving must be considered higher risk than an sp30? No idea for this ts20 i got though? Its also hard to tell because in recent years insurance just seems to go up regardless! Nightmare. Quote Link to comment Share on other sites More sharing options...
sparky370z Posted February 10, 2011 Share Posted February 10, 2011 i got done for using my phone. got bloody 3 points!!! Quite rightly so! it was a call from my oncologist to explain some cancer treatment! IT WAS A CALL I DIDNT WANT TO MISS!!!!!!!!!!!!!!!!!!! i pulled over to the side of the road but by that time it was too late!!! Quote Link to comment Share on other sites More sharing options...
Sarnie Posted February 10, 2011 Share Posted February 10, 2011 Just go online and do a quote for your current details and then change it to add the TS20........... Quote Link to comment Share on other sites More sharing options...
sparky370z Posted February 10, 2011 Share Posted February 10, 2011 I find that 3 points normally adds on £50 per set on my insurance, not end of the world but just a shame they last for 5 years just been on the DVLA website and they last for 4 years. Quote Link to comment Share on other sites More sharing options...
Sarnie Posted February 10, 2011 Share Posted February 10, 2011 I find that 3 points normally adds on £50 per set on my insurance, not end of the world but just a shame they last for 5 years just been on the DVLA website and they last for 4 years. But you have to declare them for 5 years to insurance companies Quote Link to comment Share on other sites More sharing options...
sparky370z Posted February 10, 2011 Share Posted February 10, 2011 ahhhhhhhhhhhh my bad!!!!! that seems a little silly. although its off your licence they still punish you. sods!!! Quote Link to comment Share on other sites More sharing options...
Ekona Posted February 10, 2011 Share Posted February 10, 2011 TS20 is probably going to rape you insurance-wise, it's right up there with jumping red lights I would imagine. Quote Link to comment Share on other sites More sharing options...
Husky Posted February 10, 2011 Share Posted February 10, 2011 If you broke the law and got caught then not much you can argue about it really. If somone stole your tv would you be happy if they didnt get punished? sorry to sound harsh but its the way it goes Quote Link to comment Share on other sites More sharing options...
spursmaddave Posted February 10, 2011 Share Posted February 10, 2011 If you broke the law and got caught then not much you can argue about it really. If somone stole your tv would you be happy if they didnt get punished? sorry to sound harsh but its the way it goes Exactly, and these days if you drive, have a phone and you don't have bluetooth then you deserve the 3 points for being so daft! And I don't think it's a joke giving people points and then charging them more for their insurance as they are more likely to have or cause an accident... Quote Link to comment Share on other sites More sharing options...
Chris`I Posted February 10, 2011 Share Posted February 10, 2011 TS20 is probably going to rape you insurance-wise, it's right up there with jumping red lights I would imagine. TS are all traffic signal ones, so failure to obey a traffic signal, which is in with not stopping at Stop signs and jumping lights. I'd imagine that will incur more than a light bit of speeding, but shouldnt be too bad? No idea really, do as Sarnie says and go do a new quote online Quote Link to comment Share on other sites More sharing options...
nickzzz Posted February 10, 2011 Author Share Posted February 10, 2011 i didn't mean it was a joke relating to getting the points, i'm fully aware thats my fault. was more talking about the general way insurance premiums are rising. i definately do drive differently in the van though, usually because i'm on a tight schedule or in a rush to get home. whereas zed is only used on weekends and holidays mainly. saying that i'm not a crazy or aggressive driver but i have slowed down since yesterday! Think i might call my insurance company and ask their opinion, i know you technically need to let them know at renewal but think its a safer bet to make them aware now. Quote Link to comment Share on other sites More sharing options...
spursmaddave Posted February 10, 2011 Share Posted February 10, 2011 i definately do drive differently in the van though, usually because i'm on a tight schedule or in a rush to get home. You and about 3 million other White Van Men Quote Link to comment Share on other sites More sharing options...
evest Posted February 10, 2011 Share Posted February 10, 2011 Unlucky mate. Premiums are up this year - I just renewed with 7 years NCB, no points and still copped for a £50 rise. Quote Link to comment Share on other sites More sharing options...
Ozz Posted February 10, 2011 Share Posted February 10, 2011 Think i might call my insurance company and ask their opinion, i know you technically need to let them know at renewal but think its a safer bet to make them aware now. Really? I thought this was just an assumption a lot of people make and actually you have to declare anything that affects your policy as soon as possible. It probably covers this in your policy small print. Quote Link to comment Share on other sites More sharing options...
Sarnie Posted February 10, 2011 Share Posted February 10, 2011 TS20 is probably going to rape you insurance-wise, it's right up there with jumping red lights I would imagine. TS are all traffic signal ones, so failure to obey a traffic signal, which is in with not stopping at Stop signs and jumping lights. TS20 Failing to comply with double white lines. Quote Link to comment Share on other sites More sharing options...
nickzzz Posted February 10, 2011 Author Share Posted February 10, 2011 yep there are loads of crazy van drivers about! I'm not one of the many vans you'll see lane hogging though! I can't really say exactly how much my premium went up last year as it was my first renewal with the zed so not comparative with last renewal. I bought the car a few months before renewal. Prior to the zed i had a 330ci and i think my new renewal with zed was about £250 more than 330ci the previous year. That might be a lot to do with the different car as opposed to premiums going up i suppose! Quote Link to comment Share on other sites More sharing options...
nickzzz Posted February 10, 2011 Author Share Posted February 10, 2011 Think i might call my insurance company and ask their opinion, i know you technically need to let them know at renewal but think its a safer bet to make them aware now. Really? I thought this was just an assumption a lot of people make and actually you have to declare anything that affects your policy as soon as possible. It probably covers this in your policy small print. last time i got an sp30 i called as i didn't know what to do and the guy said that i just needed to let them know at my next renewal. Think i will phone though as it could be used against me in a claim. Quote Link to comment Share on other sites More sharing options...
Chris`I Posted February 10, 2011 Share Posted February 10, 2011 TS20 is probably going to rape you insurance-wise, it's right up there with jumping red lights I would imagine. TS are all traffic signal ones, so failure to obey a traffic signal, which is in with not stopping at Stop signs and jumping lights. TS20 Failing to comply with double white lines. Yeah meant to say its in the same group as traffic signal ones, not that it in itself was for a traffic signal. So will incur the same wrath of premium jacking as jumping a red light or not stopping for the police Quote Link to comment Share on other sites More sharing options...
evest Posted February 10, 2011 Share Posted February 10, 2011 The police are really cracking down on driving offences everywhere. I used to be in the "they should be out catching 'real' criminals" camp, but I admit my attitude has changed - mainly because I had to go on one of those speed awareness courses (which TBH are actually quite well run) myself a couple of years ago (yep - works van too!). When they flashed up the stats for the number of people killed and seriously injured on the roads each year, and how much it costs financially - I suddenly understood why so may resources are being aimed at this area. Bit unlucky with the white lines though - it's not always that easy to see where your overtaking rights end until you're in the middle of the manoeuvre. You're right to tell your insurers ASAP. Quote Link to comment Share on other sites More sharing options...
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