MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

Just wondering if anyone can explain to me why I am getting such horrific anal rapage on the insurance front with this particular endorsement on my license. This isn't a rant about getting caught or the police, I'm just simply trying to get my head around why the MW10 is making my insurance so much more expensive..

The background:
I was joining the m62 motorway in west yorkshire after work one evening. The sliproad has 2 lanes going up onto the motorway, but as they start to merge with the m'way, the left most lane splits off and acts as a 'crawler lane' for slower vehicles, while the lane on the right just joins onto the motorway normally over maybe 150-200 yards. At the point where these 2 lanes split, they're bordered by a solid white line.

I was in the right hand lane trying to get on but there was some nugget in a car (austin metro/old skoda fabia from 1961 etc.) who was driving at 40mph in the slow lane/lane 1 of the motorway. 6 inches behind him was an articulated lorry who obviously thought he could persuade said driver to pick up his speed a little bit by getting so close.

Blocked from getting on I checked my rearview mirror, nearside mirror and then physically over my shoulder into the nearside blindspot - no vehicles within 300 yards of me in that lane, so I nipped over the white line into this lane to avoid making the lorry have to change direction or brake. I knew it was illegal to cross a solid white line but it seemed a better option than trying to squeeze my car in a gap which even tinkerbell would have trouble flying through.

The police traffic car sat behind the lorry already on the motorway nipped in behind me and promptly gave me a ticket despite explaining not wanting to make the lorry "change direction or brake". 3 points, £60 fine. No bad attitude, politely answered all the questions they asked with as much information as possible. I know a fair few people in the police and they're all down to earth individuals - there's only one I know of who's a real life nobber but he's a friend of a friend who's quite high up in north yorkshire's traffic section. The rest of them are regular humans.

Fair enough, Thanks for your time guys and sorry to have given you reason to have stopped me. I've managed 7 years of driving without any points and everyone says that 3 points doesn't affect your insurance too much anyway......

WRONG

Each time I've done a quote online with and without this MW10 endorsement the following quotes have calculated:

Audi S4 F.C. with 8 years NCB (admittedly a group 20 car with a reputation for being nicked twice a week before being used in ram-raids across the midlands)
without points: around £750
with points: approx £1000 was the cheapest quote I managed to get (33% extra)

VW Camper worth about £4k and capable of 100mph with tail wind
without points: £520
with points: £780 (50% more - for a friggin van? with a cooker and a bed in the back? Do they think I'm gonna do a drive by B&B jobbie on someone? "Have a bacon sandwich you slag!!!" Bosch!" *Drives off slowly*)

I genuinely wouldn't mind if it was maybe £100 or even £150 extra for crossing a solid white line on a carriageway where all the traffic is travelling in the same direction, I understand that rules are rules, and they're there for a reason, but I can't work out why I'm getting such a shafting for an endorsement which sounds so trivial when you read it off of the counterpart - in comparison to say - TWOC, drink driving, driving while disqualified or 'motor racing on the highway' (MS50 if you're interested)..

"MW10 - contravention of special roads regulations (not inc. speeding)" - as taken from the direct-gov site.


........so, is there any reason why MW10 would carry such a penalty which feels like it's on a par with having drink drive points on my license?

All advice greatly appreciated.

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

I'd wager its one of those endorcements which covers a wide range of things, ie you were only crossing a white line which you deemed safe to do but for someone else they may recieve the same thing for going the wrong way around a round about. Insurance company dont know which one you've been booked for so assume the worst case and more importantly you pay more them more ;)

Similar one on my licence in case I've not made the above clear enough flower pot is my LC20 - Driving otherwise in accordance with the licence. I picked those up for not having 'L' plates on the DT, but thats the same code as people get who are caught driving a car when they dont have a licence. (What gutted me is there is such thing as a PL10 (failure to display L plates) doesnt effect insurance half as much so dunno why I wasnt given one of those :(

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

I would imagine that certain codes carry a stigma. Like a TS10, basically jumping a red light.
My friend rolled through a red light then stopped and she received a TS10. It was genuine mistake and knowing the junction, didn't cause any danger to herself or the other traffic, yet she gets done the same as if she hammered through it at 50mph making cars crash etc.

Sadly, its just the way it is im afraid. I got 2 speeding convictions within a year of each other and its amazing the difference that caused on my insurance. Insurance will use any excuse to get some more hard earned off you.

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

I did wonder if it was a bit of a blanket term or if historically it has a high degree of damage/injuries/danger associated with it..

Not trying to make out that what I did was ok or that it was 'safe' as my judgement of 'safe' doesn't come into it where the law is concerned. Rules is rules. Just wanted to try and find out if I'd have been better asking him to put it down as 'DCK-HD10 - driving like a cockhead' - might have sounded worse but atleast I wouldn't be as skint as a result

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

why didnt you take it to court?

ps... sorry bout the fricking insurance?

most years it wouldn't make a difference but this year any reason to shaft they are.. mine went up by 50 % as a named driver because someone ran into my car and their insurance payed out?

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

how very dangerous of you alex... you should have been more responsible, left the car at home and walked everywhere so as not to risk anybody driving into you. And was that with protected NCB? :( sorry mate..

I can understand with the s4 rocket of doom, but a flippin van which can stop from 60 quicker than it can power itself to 60, designed for leisurely drives through the country, bit of mountain biking, bbq's and watersports etc... the insurance on that is 50% extra?

In retrospect I wish I had maybe taken it to court but at the time I was thinking "3 points and £60 fine never hurt anybodies' insurance. Whats the point of risking a more severe penalty, court costs and time off work explaining to some judge why I didn't try and put myself under a truck, when I could just sign the form, get off home and live happily ever after......."

Hey ho.. Tried playing the insurance game by putting Dani as named driver with me as a 2nd driver. LOL £1100+ as she's only just 21. Best combo seems to be me as main driver her as 2nd driver as it's basically the same price for just me, or me and her.

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

Yeah cos your boss is right *****

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

maybe the insurance companies have seen your driving ;)

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

I DIDNT THINK SHE WAS THAT KIND OF GIRL!


Doh caps

anyhoo same boat chap. there just going to screw you over whatever now. Wanna buy a focus im going to start using the bus/bike 100% now as its costing too much for a group6 car!

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

Can't help with why it's such a big price hike for that offence but that bit did make me laugh

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

I accidentally told them I sometimes ride with you :) tirty tree and a tird percent extra?!

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

Nobody forced you to take the fixed penalty and points,if you felt it was excessive you could have gone to court and explained the circumsstances and the comments of the police .
Alternatively you could have waited behind the slower vehicle.
BUT---As you accepted the fixed penalty which stated the offence you must have realised what you did was wrong and now have to suffer the consequences,where as if you felt you did no wrong you could have refused it
Should you feel that the code is wrong you can appeal to the court to have it changed.
Everybody gets loaded for point accumulation on there license and it is just the offence coding that may make a bigger difference,and unfortunately you now have to live with it.Some insurance companies will not load your premium for a lesser offence if they know your driving record due to you being a customer for an extended period i.e. one SP30 in a five year period,but it varies from company to company

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

More importantly Paul, when are you going to reply to me RE that print work?!

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

What a highly useful comment :rolleyes:

The OP was hardly in a position to know what impact this would have on his insurance at the time he accepted the FPN. 3 points for speeding tends to have minimal effect on premiums, like him I would probably have thought that this would have had similar consequences.

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

Be interested to see what it'd be with an MS50 compared to yours...

3 points for a minor offence puts you up 33%...what about a serious one?

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

Perhaps I'm wrong but I thought there was a time lapse between getting issued with a FPN and having to conform with the notice during which time you can research the offence and the consequences.

Never take things for-granted,thinking you know and finding out and actually knowing can be two different things,

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

It's all a lot of b*llocks really, I don't agree with this whole thing of punishing people 10 times for the same bloody thing, proof that the "justice" system isn't working.

For example I get caught doing 130mph, it's plausible that I could get a long ban and forced to take an extended retest as well as a large fine.

So, ban, fine, retest to make sure I'm safe back on the road (obviously BS too, if you can drive at 130 you'll be fine at 30...) Say £500 fine
Then you get d*cked on the extended retest(s) because it's ridiculously expensive and you'll probably fail since the examiners are prejudiced against you as they know you've been naughty. £500 again?
Then you get d*cked when you come to insure something again if you declare it. As we see here, £1000 extra? More?

All for something that may well have been completely safe in the first place. With the ridiculous cynicism to punish you for doing it right! With that extra £2000 you could just buy something faster, not like the punishment is much worse when they can't catch you at 180mph. It's just mentally predisposed to make you commit MORE offences not less!



And DT, how bloody patronising do you want to be? If you really put some effort in you might get off the scale...
You want him to stand in corner for a while?

FFS. If he'd gone to court chances are he would have got more points and a bigger fine. What he did was not wrong, in knowing this junction the line was put in place by a mong. It was not "wrong", simply illegal, and some c*** of a cop decided to write him up for it.

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

cheers YC I did think dicky was maybe a bit grumpy that day so decided the energy saved by ignoring him would be better spent re-arranging the tins in my pantry.

As stated in OP, it's so much a rant that I got caught - I knew it was wrong, I know the rules are there for a reason.... I was just wondering why my insurance was giving me a financial kicking which I thought would have been more in line with somebody who's got 6 or 9 points, or something more serious like drink/drug driving? (but then those things merit a ban and I would have probably been refused insurance altogether)..

Anywho, I've got me s4 and I'm gonna get a camper - they're not gonna stop me. Come and get me rozzers!

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

You have a pantry? oooohhhhh Get you!

:)

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

The law is crap when it comes to this. Accept it and you get the points and fine, go to court, win and you leave happy, lose and the points, fine and other punishment increase for some reason or other because you ask a Magistrate to take other circumstances into consideration. There should be a no worries way of going to court to seek clarification of the why`s and the hows but you get punished more for daring to question the law.

Yes your honour, i did do exactly what i have been charged with but...... Sorry, you are now being punished more for daring to open your mouth.

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

Patronising I maybe but what I said is fact. Yes you do get stuffed and if you haven't learned your lesson more fool you
Ignorance is no excuse and bleating about the punishment when caught doesn't wash in my book.
If I have understood the facts of the original post regarding the offence it could quite easily been Driving without Due Care which is another one up on the scale.

We all make mistakes sometimes and I am no exception,I've had points, fines and bans in my nearly 50 years of riding/driving but I never winged as they were all due to my own stupidity,nobody forced me to do it and like everybody else it cost me bucks in more ways than one

You are not being made a special case Paul it has happened to me as well,that's life-----------sorry but true

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

So what's that got to do with the OP? He's asking why this particular offence code is getting him such a bumming, not having a whinge about it. You were the one whinging other day because a thread did not meet your quotient of speed triple content...

Although the combination of a proper c*nt of a copper, some retarded white lines and absolutely no risk to the general public means that it is well and truly an "offence" worth whinging about.

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

That's the thing, the scrote only gets punished once for it. A generally law abiding person gets punished multiple times for it :(

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

Sorry YC I haven't derailed his thread, but I thought he was complaining about his insurance being hiked due to his motoring offence,or was Paul just after a bit of sympathy
Complaining,objecting to,unhappy with,what ever you want to call it instead of the word whinging
If my facts or anything I have said is wrong I give my unreserved apology,but if not I stand by what I have said.
Everybody seems to be a "c**t" in your book and the rest of the world idiots
You definitely have a downer with regard to the police doing their job and seem to think that you should get away anything that doesn't involve an accident but just think about the original post.Do you think it was a safe thing to do,especially with a police car there,perhaps they, the police, thought he was being a bit cheeky doing it in front of them
I agreed that you get persecuted by insurance for motoring offences and not just in the court so what is your problem?
I don't give a toss what you think about me and regard your comments as misplaced due to your youth and having a different attitude to society than me so carry on berating me as it is water off a ducks back.

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

No. Allow me, if you will, to draw your attention to post 1, article 1, sentence 1, with which I opened this thread:
Please also allow me to point out that:
It's also worth taking into consideration, post 1, article 3, subsection 2 of sentence 2:
Still no complaining from me, even down at paragraph 6, subsection 1, here we note that:

So with the issue of me 'whinging, moaning, complaining, chasing sympathy etc. whatever it is you're trying to get at (rather than maybe advising about MW10 and why it's so antagonistic to insurers)

At this point, we can begin with some complaining:
It's worth highlighting that there was some humour in that last bit to reinforce the the fact I'm not in tears or marching outside a police station with a plackard demanding that the rules be changed because I'm a special case...



But then, for all those of you who weren't paying full attention from the start (or bothered to read the entire OP) I bring it back to the main reason for posting, kind of a circular narrative, as I didn't want to distract the reader with too much of the background info section (I've put it in red here so that you don't miss it)...
And then, just in case, to make absolute certain, to guarantee, to be 100% sure that I'm not coming across as having a whinge, I've gone back to my original question as detailed in post 1, article 1, sentence 1, with which I opened this thread:
Not sure if that sounds a bit patronising but then I can be a bit of a c*** sometimes. :smt069

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

speaking of trivial-ness, i here-in enclose a word for word copy of my Charge Sheet from the Police when larking about with friends and a packet of Mint Imperials.

" 1 RT88042 - Causing danger by causing item to be on/over road.
On 16/03/2009 at Birmingham in the county of West Midlands, intentionally and without authority or reasonable cause, caused SWEETS to be on a road, namely Lancaster Circus, in such circumstances that it would have been obvious to a reasonable person that to do so would be dangerous. contrary to section 2 (1)(a) of the road traffic act 1988."


anyone would like to guess exactly what i was doing with 2 friends that got me this charge sheet, a £50 fine, 4 months on electronic tagging device with an 8pm til 6am curfew and go to a community group session every saturday morning for 6months. please be aware that this is my first offence, first time ever in a situation with police and first time being known to the police apart from when i nearly got my first bike nicked.


so any guessers there??

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

I'd say the job of a policeman is to promote road safety. Secondary to that but nonetheless important is a good relationship with the public. I reckon they've failed on both counts there as less enlightened people would take away from this that all policemen are jobsworths more interested in handing out tickets for everything instead of catching real criminals.

I personally know this junction and I do not consider it a dangerous thing to do.

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

To be fair he had a rookie traffic cop sat in the front seat 'cos he kept showing him what he'd written & where... I think he just wanted to demonstrate writing out the ticket hence why he asked for my reasons, then basically blanked me when I gave him the reasons.

But so as not to derail this thread - I now know that MW10 is a blanket endorsement which can apply to far worse examples of driving.. I would have thought that crossing a solid white line would have had it's own specific endorsement code since it's literally a black & white offence.


Anywho, tomk6 - were you having a competition to see who could throw mint imperials at the cats eyes on the road? You imbecile, you should have atleast had a suspended sentence for that :razz:

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

nope, we were throwing them at eachother to see who could cause a bruise, happend to be near the road, and some ROLLED into the road, police said we were seen on CCTV which fair enough, we
could have been throwing ninja death stars at eachother, but you would think, the police would turn up and go "oh its sweeties, well eat them and stop throwing them at eachother you hoodlums"

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

paul i dont mean to upset you but as you know i was banned for drink driving (i was a nob and have learned my lesson btw readers)
i got a dr10, my insurance was betwen 30% and 50% more when run against quotes with no dr10 on licence (i wanted to see what my stupidity cost me) bear in mind i had zero no claims at the time as i just got my licence back. so i am a bit shocked by the qoutes your getting with your offence

points of note
this was 5 years ago (dont have to declare it now wooohooo), and give swinton a phone they just gave me a blinding deal on a multibike policy today hth

dave

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

I remembered the case as soon as I read your post, but I thought you said the mints fell out of your pocket? ;)

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

any endorsement shows an insurance company you are a higher risk. The fact you got the 3 points shows poor driving, if you cant pull on a motorway from a slip road it does not inspire confidence in your driving. Thats why you pay more

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

Someone else who seems to have missed the point.

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

sorry i think my answer is more than relevant to the question asked in the quote above it?

But if there is a point ive missed feel free to enlighten me?

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

I think I've missed the point, but I'd like to add that I admire Paul's 6th's restraint. If I'd been booked in those circumstances I would have been bloody furious. Sounds like he moved to a safer road position, just like when you occasionally have to speed to get out of a situation. Sounds fine to me. OB should have used some common sense, remind him of the rules or whatever and got back in his car to get some real idiots instead. In my opinion.
As for the case with the mints, jeez unbelievable.

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

Read Pauls response to the other guy, should clarify things. That said I thought the opening post was perfectly clear.

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

No sorry i still dont appear to get it, i thought he was asking why a mw10 has been so harsh on this insurance?

Opening line of my response.......ANY ENDORSEMENT SHOWS AN INSURANCE COMPANY YOU ARE A HIGHER RISK

and i missed the point? amazing!

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

Its not relevant because you cant have read and absorbed the information on the op fully and correctly.

You must have no points on your licence and drive like a real saddo. Never got stuck in a box junction, gone through a changing light a little later than you should have, driven above the stated speed limit on a road or any other minor offence that can put point on your licence or been in a position where you have had to take action because of something else that you have no control over like another person, vehicle or what have you?

Re: MW10 - Contravention of special roads regulations (not inc. speeding) - why so harsh on insurance?
 

Ok i just need to be clear on this, the op and in fact title of this thread is asking why the endorsement mw10 is so harsh on insurance??? please correct me if i have misunderstood that.
I replied stating that any endorsement says to an insurance company that you are a higher risk. That is not the view i would take altho i do think the example in the op is poor driving.

My licence is now clean but i still have to declare a ts10 and a ts50 to my insurance company. both of which were poor driving on my part but i decided to take the risk.

Explain the point to me if you think i am missing it