Quick quezzie - does a SP30 mean you're a greater risk? - SV650.org

03-09-06, 09:28 PM

Can anyone point me in the direction of any evidence that a driver with an SP30 is a greater risk?

I'm having a fight with Halifax car insurance, I had to declare the SP30 and they put the premium up by £20. So I complained and they replied 'A driving conviction does make you a higher risk driver than someone with no driving conviction and this is why you were charged an additional premium.'

That, amongst other crap.

03-09-06, 09:37 PM

£20 is not really that much? I would be pretty chuffed if that was all they screwed me for!

Of course an SP30 doesn't make someone a higher risk.

How many people here have ridden at 100, 110, 120, 130, 140, 150, 160....mph and have never had an accident and never made a claim? The insurance companies think those people are all safe just because they haven't been caught yet.

The insurance companies love it as it is a way to get a few more quid out of people who never make claims. Basically they are saying if you get caught you are a higher risk than someone that hasn't been caught!!!?!? I mean wtf, surely once you get caught and have 3 points your premiums should go down as you are likely to slow down after that!

I dunno if they are colluding with eachother to fix prices (wouldn't that be illegal) but I wonder how long it will be before one of them breaks ranks and starts advertising that they will offer the same premiums to those with 3 points as those with none.

03-09-06, 09:43 PM

I told them that I'd passed the IAM bike test (true). They ignored it in premium calculation so I whined about that too. I fully expected them to say that it was irrelevant as we're talking cars here. However they came up with this little gem, no doubt pinched from the Halifax / HBOS 'How to Fob Off Customers' book:

'Advanced driving tests are not taken into consideration when rating our policies, as we do not penalise drivers who have not sat these.'

It's a pile of horse****.

But if anyone can find any evidence (I can't) that a driver with a SP30 is statistically and verifiably more likely to have a smash than one without, I'd be v v pleased to hear.

03-09-06, 09:47 PM

i think theyre at it ,it depends on the co tbh AFAIK theres no loading on 3 points but ask here
http://forums.pepipoo.com/index.php?act=idx
theres a few lawyers and that on there ,if anybody should know its them

03-09-06, 09:57 PM

Well, well.

Just found this:

http://www.petrolprices.com/car-insurance.html

Specifically, this:

Halifax
When obtaining a quote from Halifax, it offers you the choice of having either a Halifax car insurance quote, or an Esure car insurance quote. In this instance, we went for the Halifax quote. The form was quick to complete. However, on entering the SP30 speeding conviction, it informed us that we would have to call Halifax directly and obtain a quote over the phone. There were no reasons given for this, but the form would not allow us to fill in any further information. Halifax were the only insurer to have an issue quoting to someone with an SP30 speeding conviction. (Emphasis added)

Thieving greedy wotsits

03-09-06, 10:15 PM

Am I missing something here? Am I incorrect in thinking that the whole point of one's license being endorsed for any offence that contravenes the Road Traffic Act is to deter one from erring again?

I was also under the impression that one takes it on the chin when insurance premiums reflect the points for offences that one has been convicted of?

If my thinking is indeed flawed then please enlighten me.

04-09-06, 06:53 AM

Quote:

Originally Posted by Peter Henry

Am I missing something here? Am I incorrect in thinking that the whole point of one's license being endorsed for any offence that contravenes the Road Traffic Act is to deter one from erring again?

I was also under the impression that one takes it on the chin when insurance premiums reflect the points for offences that one has been convicted of?

If my thinking is indeed flawed then please enlighten me.

Peter - you don't know the circumstances and you views are, frankly, sanctimonious.

I passed the test in 1978. The SP30 is the 1st endorsement I have ever had. Doing 61 in a 50 when I simply hadn't seen the 50 sign, it had been a NSL. Hardly the mark of somebody who ignores speed limits, or the RTA generally, is it??

As for 'taking it on the chin', why should I when no other insurer lifts the premium? It's not the £20, it's the principle.

Of course, if my thinking is indeed flawed, then please enlighten me.

04-09-06, 07:19 AM

Ed..Come on pull it together.No need for such an attitude.

Did I say that you ignored anything? I mentioned the word contravene? Which you clearly did. Claiming to have not seen a road sign is little justification.

I am being pedantic here purely due to the tone of your reply.

Simple answer to your dilemma is insure with someone else if Halifax are p*ssing you off so much.

I do not think that the date one passes the test has any baring on the matter tbh.

I also cant understand why anyone would feel mentioning having succesfully passed the IAM on a motorcycle would have any baring on a car insurance issue?

04-09-06, 07:23 AM

Quote:

Originally Posted by Peter Henry

Ed..Come on pull it together.No need for such an attitude.

Did I say that you ignored anything? I mentioned the word contravene? Which you clearly did. Claiming to have not seen a road sign is little justification.

I am being pedantic here purely due to the tone of your reply.

Simple answer to your dilemma is insure with someone else if Halifax are p*ssing you off so much.

I do not think that the date one passes the test has any baring on the matter tbh.

I also cant understand why anyone would feel mentioning having succesfully passed the IAM on a motorcycle would have any baring on a car insurance issue?

Being obtuse when it suits you is not one of your more endearing qualities

Red ones · 04-09-06, 07:33 AM

Is this an increase in premium, or is it an administration charge for adding this to your file part way through the policy period?

But "does a SP30 mean you are a greater risk?" Well, yes. As PH says, whether you saw the sign or not is irrelevant - you were exceeding the speed limit. Had you been travelling slower you would have had a greater time to react to road conditions etc. Therefore, by travelling faster you have reduced the time you have to react, and put yourself and others at greater risk (this is a risk assessment we all make everyday).
Is it fair that insurance increases, well where does it stop? Should insurance premiums remain the same for those with 3 SP30 penalties (9 points), or 2 penalties (6 points)?

03-09-06, 09:28 PM	#1
Ed Guest Posts: n/a	Quick quezzie - does a SP30 mean you're a greater risk? Can anyone point me in the direction of any evidence that a driver with an SP30 is a greater risk? I'm having a fight with Halifax car insurance, I had to declare the SP30 and they put the premium up by £20. So I complained and they replied 'A driving conviction does make you a higher risk driver than someone with no driving conviction and this is why you were charged an additional premium.' That, amongst other crap.

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
BBC Sport: Toseland eyes greater consistency	NewsBot	News	0	07-04-09 07:10 AM
Oops just got another SP30 in the cage today!	SV-net	Idle Banter	15	09-12-08 05:02 PM
Would you risk . . .	Supervox	Idle Banter	12	29-08-07 07:24 AM
SP30? Pretend you're dead	Ed	Idle Banter	3	06-03-07 10:00 AM
Should I risk it	Dicky Ticker	The Essex Lounge	17	28-02-05 11:12 AM

03-09-06, 09:37 PM	#2
Toypop Guest Posts: n/a	£20 is not really that much? I would be pretty chuffed if that was all they screwed me for! Of course an SP30 doesn't make someone a higher risk. How many people here have ridden at 100, 110, 120, 130, 140, 150, 160....mph and have never had an accident and never made a claim? The insurance companies think those people are all safe just because they haven't been caught yet. The insurance companies love it as it is a way to get a few more quid out of people who never make claims. Basically they are saying if you get caught you are a higher risk than someone that hasn't been caught!!!?!? I mean wtf, surely once you get caught and have 3 points your premiums should go down as you are likely to slow down after that! I dunno if they are colluding with eachother to fix prices (wouldn't that be illegal) but I wonder how long it will be before one of them breaks ranks and starts advertising that they will offer the same premiums to those with 3 points as those with none.

03-09-06, 09:43 PM	#3
Ed Guest Posts: n/a	I told them that I'd passed the IAM bike test (true). They ignored it in premium calculation so I whined about that too. I fully expected them to say that it was irrelevant as we're talking cars here. However they came up with this little gem, no doubt pinched from the Halifax / HBOS 'How to Fob Off Customers' book: 'Advanced driving tests are not taken into consideration when rating our policies, as we do not penalise drivers who have not sat these.' It's a pile of horse****. But if anyone can find any evidence (I can't) that a driver with a SP30 is statistically and verifiably more likely to have a smash than one without, I'd be v v pleased to hear.

03-09-06, 09:47 PM	#4
jim@55 Guest Posts: n/a	i think theyre at it ,it depends on the co tbh AFAIK theres no loading on 3 points but ask here http://forums.pepipoo.com/index.php?act=idx theres a few lawyers and that on there ,if anybody should know its them

03-09-06, 09:57 PM	#5
Ed Guest Posts: n/a	Well, well. Just found this: http://www.petrolprices.com/car-insurance.html Specifically, this: Halifax When obtaining a quote from Halifax, it offers you the choice of having either a Halifax car insurance quote, or an Esure car insurance quote. In this instance, we went for the Halifax quote. The form was quick to complete. However, on entering the SP30 speeding conviction, it informed us that we would have to call Halifax directly and obtain a quote over the phone. There were no reasons given for this, but the form would not allow us to fill in any further information. Halifax were the only insurer to have an issue quoting to someone with an SP30 speeding conviction. (Emphasis added) Thieving greedy wotsits

03-09-06, 10:15 PM	#6
Peter Henry Guest Posts: n/a	Am I missing something here? Am I incorrect in thinking that the whole point of one's license being endorsed for any offence that contravenes the Road Traffic Act is to deter one from erring again? I was also under the impression that one takes it on the chin when insurance premiums reflect the points for offences that one has been convicted of? If my thinking is indeed flawed then please enlighten me.

04-09-06, 07:19 AM	#8
Peter Henry Guest Posts: n/a	Ed..Come on pull it together.No need for such an attitude. Did I say that you ignored anything? I mentioned the word contravene? Which you clearly did. Claiming to have not seen a road sign is little justification. I am being pedantic here purely due to the tone of your reply. Simple answer to your dilemma is insure with someone else if Halifax are p*ssing you off so much. I do not think that the date one passes the test has any baring on the matter tbh. I also cant understand why anyone would feel mentioning having succesfully passed the IAM on a motorcycle would have any baring on a car insurance issue?

04-09-06, 07:33 AM	#10
Red ones Member Mega Poster Join Date: Jul 2003 Location: Hertfordshire Posts: 1,422	Is this an increase in premium, or is it an administration charge for adding this to your file part way through the policy period? But "does a SP30 mean you are a greater risk?" Well, yes. As PH says, whether you saw the sign or not is irrelevant - you were exceeding the speed limit. Had you been travelling slower you would have had a greater time to react to road conditions etc. Therefore, by travelling faster you have reduced the time you have to react, and put yourself and others at greater risk (this is a risk assessment we all make everyday). Is it fair that insurance increases, well where does it stop? Should insurance premiums remain the same for those with 3 SP30 penalties (9 points), or 2 penalties (6 points)?