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

[Paul the 6th]

Originally Posted by davepreston

maybe the insurance companies have seen your driving

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

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

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

[mikerj]

Originally Posted by Dicky Ticker

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 .

What a highly useful comment

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.

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?

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,

[yorkie_chris]

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 must have realised what you did was wrong and now have to suffer the consequences

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.

[Paul the 6th]

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!

You have a pantry? oooohhhhh Get you!

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.