Accept points or not?

SmartinMartin · 20-01-2021 12:43am #1

Just got a speeding notice in the letterbox, Mrs. SM has been caught over the limit in the family car. She already has 3 points from early last year for a similar offence, and I have none, so my question is would it be cheaper insurance-wise for me to accept the points, given that insurance companies generally make allowance for one offence?
I think if she has 6 points it would make shopping around on renewal much more difficult.

con___manx1 · 20-01-2021 12:48am

You should take the points. You need to inform the insurer if you have 6 or more points.

endacl · 20-01-2021 12:50am

You shouldn't accept the points. You weren't driving.

SmartinMartin · 20-01-2021 12:52am

Thanks con. I informed them when she got the first 3 and they charged us an extra €35 at the time.

Newuser2 · 20-01-2021 12:56am

con___manx1 wrote: »

You should take the points. You need to inform the insurer if you have 6 or more points.

You sure it's 6

con___manx1 · 20-01-2021 1:52am

Newuser2 wrote: »

You sure it's 6

I asked my insurance company and they told me my premium would be affected with 6 or more but maybe your insurance company could be different. No harm in checking it out with them to be safe.

Eggs For Dinner · 20-01-2021 7:12am

You need to inform your insurer if you get ANY penalty points. What they do with that information varies from company to company

1hnr79jr65 · 20-01-2021 7:20am

If they decide to audit pictures to see who was driving at the time because of signing points from wife to you then both of you will be in trouble.

Better off your wife taking in on the chin and her slowing down, you can go primary insured and have wife as named to try keep premium low.

vurstflavor · 20-01-2021 7:22am

You can have 12 points from me if you want some extra points

sgthighway · 20-01-2021 7:28am

I think you should take the hit and hope your wife has learned a lesson. As for the audit I would be surprised if they come back on you and say that is not you in the photo. If they do you can alway say you drive that route too so presumed it was you. I know a haulage company that have foreign drivers on the books to take points and they don’t work there anymore. Similar happens for fleet cars. Company get the ticket and they update it with driver details.

finbarrk · 20-01-2021 7:52am

Sour Lemonz wrote: »

If they decide to audit pictures to see who was driving at the time because of signing points from wife to you then both of you will be in trouble.

Better off your wife taking in on the chin and her slowing down, you can go primary insured and have wife as named to try keep premium low.

That's not going to happen. Audit pictures? If he has to get primary insurance, he won't have a no claims bonus to use if he has his own car, and then it will be over expensive.

Accept points or not?

Comments