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

[mikerj]

Originally Posted by tom-k6

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,

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

Originally Posted by Paul the 6th

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.

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

[mikerj]

Originally Posted by irons

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

Someone else who seems to have missed the point.

Originally Posted by mikerj

Someone else who seems to have missed the point.

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?

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.

[mikerj]

Originally Posted by irons

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?

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

Originally Posted by mikerj

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

Originally Posted by irons

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

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!

Originally Posted by irons

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?

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?

Originally Posted by Electro

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?

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