i am currently 20 years old, and have fully comp insurance costing around a grand... i am turning 21 soon but in the next few days am expecting to have 6 points on my liscense,, any opinions of how much i would be looking for fully comp renewal, or even for downgrade to 3rd party? thanks
2007-08-09 03:25:24 · 21 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
It will affect your insurance. If you are feeling lucky, you could not declare the points, but if anything were to happen you would be totally stuffed. Pay the extra, after all it was you who got the points!!!
2007-08-09 05:22:10 · answer #1 · answered by Angela M 7 · 0⤊ 0⤋
I hope you've had your licence more that two years, 6 points in the first two years after passing your test gets you back to a provisional. Be that as it may, most insurers will overlook the odd 3 points for an SP30, but 6 points is not going to make you popular.
The best you can do is shop around on the 'net and see what turns up. Whatever you do, declare your points - if you don't and they find out later you'll be uninsured. If at all possible keep your fully comp, you'll save money with TPF&T but you'll have lost that important cover.
2007-08-09 07:21:48 · answer #2 · answered by champer 7 · 0⤊ 1⤋
Doubleling it would be a reasonable guess. But it will depend on a million different factors that only you know the answers too.
Look for insurance on the net and type in you have 6 points and the offences already. They might give you a quote but you wont be able to get insurance from everyone.
have you been driving more then 2 years? If so it should be ok, If you have been driving less then 2 years then you will probably be banned and will have to retake your test.
2007-08-09 05:57:30 · answer #3 · answered by futuretopgun101 5 · 0⤊ 1⤋
Your premium will go up for sure. Also, from memory, turning 21 will not make a difference. My insurance company still classes high risk drivers as those under 25. 6 points in one go, will bump this up by quite a bit. I reckon you would be looking at about a 30% - 40% increase, but it also depends on what your points are for.... if it to do with dangerous driving, then it may even go up by more, or they may even refuse to insure you.
Do not downgrade to 3rd party, as this will leave you wide open. It may cost you less for a few yrs, but if you need to claim for something, like a hit n run, then you will be seriously out of pocket.
The only other option is to downgrade your car.... go for one in a lower insurance group.
2007-08-09 03:37:54 · answer #4 · answered by Sam G 5 · 0⤊ 1⤋
It does affect your insurance quite a bit. Anything from £50 per point to - well the skies the limit. Some insurance companies might not even touch you because of your age, points and depending on the car.
2007-08-09 03:29:44 · answer #5 · answered by Anonymous · 0⤊ 0⤋
It depends on the insurance Co, but I would expect it to go up quite a lot. I have even heard of some insurance Cos who load the renewal so much so that you would go elsewhere. Whatever you do you must tell them about the points on your licence, if you don't and then they find out you will not be covered by the insurance.
2007-08-09 03:33:51 · answer #6 · answered by focus 6 · 1⤊ 0⤋
At this site you can compare free quotes http://help.cheapinsure.us/-ndmnyUH572
RE Does having points on your liscence affect your insurance?
i am currently 20 years old, and have fully comp insurance costing around a grand... i am turning 21 soon but in the next few days am expecting to have 6 points on my liscense,, any opinions of how much i would be looking for fully comp renewal, or even for downgrade to 3rd party? thanks
2014-10-08 08:44:43 · answer #7 · answered by ? 1 · 0⤊ 3⤋
First I must point out that your spelling of licence is wrong! sorry just been picky. yes points on your licence can effect how much you pay. but its best to shop around make phone calls for quotes or check on the internet for comparisons and also berter if you get a cheaper quote ask this company if they could do you a deal better than the other. some insurance company will decide on the reason of the points as well. hope u get a good deal and good luck.
2007-08-09 03:45:29 · answer #8 · answered by mia_amore 1 · 0⤊ 2⤋
Points on your license are an indication to the insurance companies that you are collecting moving violations and are not a safe driver. When renewal time comes and they look at your driving record, they will evaluate you as a customer. They may increase your premium, lower your coverage, or both. Or they may decide to eliminate the liability of the chances of your loss and drop you entirely when it expires.
2007-08-09 03:37:52 · answer #9 · answered by oklatom 7 · 0⤊ 1⤋
Best thing to do is try somewhere like gocompare.com. My wife tried them and it varied between £270 and around £600. Its bound to have an impact having points but they will ask you about points when trying to work out your premium. It may bump it up quite a bit.
2007-08-09 03:31:22 · answer #10 · answered by Dave C 3 · 0⤊ 0⤋