penalty points

Matfinn · 10-10-2005 10:20pm #1

Just out of curiosity, if you have a full licence ( less than a year old ) and you incur 2 points for speeding, does your insurance go up alot ?

Our man in Havana · 10-10-2005 10:25pm

Most insurers will ignore 2 points. Hiberian give a discount for having no points so I guess you just won't get the discount.

dahamsta · 10-10-2005 11:13pm

Hibernian only remove the discount completely if you have 4 points, so you still get some kind of discount with 2.

Seth Brundle · 11-10-2005 10:28am

I renewed my policy recently and I wasn't asked by most borkers or insurers that I called (not that I have any points!).

drdre · 11-10-2005 4:21pm

2 points is fine. once it reaches 4 then ur no points discount will be added to ur policy. thats around 200ish.

sceptre · 11-10-2005 4:33pm

drdre wrote:

thats around 200ish.

Obviously it depends on how much the "full" cost of your policy before NCB or any other discounts was to start with. 200 for you, probably around 90 for me.

The discount seems to be 10% for 2 points or less with all insurers. Hibernian make it 17% if you've got zero. At three or above, there's no discount. At more than five they start adding money on to the premium cost.

drdre · 11-10-2005 7:38pm

yeah sceptre u are right.it does depend on the insurance i thought it was a fixed rate

yop · 12-10-2005 9:59am

how long do points stay on your license

Our man in Havana · 12-10-2005 10:28am

3 years from when they are applied, which is not the date of the offense,payment of fine or conviction.

penalty points

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