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

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

Its the bold underlined text that misses it by a mile. If you were to cross a solid white line to continue on your way without having to slow to a crawl on an on slip and there are no other vehicles around that you were going to hamper by your manouver, would you deem it poor driving?

Dont know what your codes are for so cant comment on them but if you got caught doing the most trivial of illegal manouvers, you have to admit you would be a bit gutted and not immediately start rabbiting on about your poor driving.

Originally Posted by Electro

Its the bold underlined text that misses it by a mile. If you were to cross a solid white line to continue on your way without having to slow to a crawl on an on slip and there are no other vehicles around that you were going to hamper by your manouver, would you deem it poor driving?

Dont know what your codes are for so cant comment on them but if you got caught doing the most trivial of illegal manouvers, you have to admit you would be a bit gutted and not immediately start rabbiting on about your poor driving.

if you read it in context its from an insurance point of view. points on your licence to them shows poor driving.

Some people do get hit unfairly altho lets be honest you have either committed the offence or you haven't. In the case of the op its not the most dangerous piece of driving you will come across during the normal day out on the roads but it is poor driving. A slip road is long enough to be able to plan your merge to the motorway.first car was doing i think he said 40mph? well floor it to get on infront of him?? if you think that will be unsafe then hold back. Its a case of not planning until the last minute which is poor driving. Lets be honest unless the inside lane is bumper to bumper traffic how hard is it to merge ?
Does not mean the op is a crap driver it means he made a mistake which we all do, he was just unlucky he got caught. That day he was lucky as there was nothing on his inside but what if there was?

mine was jumping a red light and going through a no entry

I think the issue is that there is this common perception that 3 or 6 points aren't too bad for insurance, because there was a spate of people getting SP30s from cameras. As a result, insurers may have been willing to show a bit of goodwill towards SP30s, so they can grab this business. It would appear that other offence codes still show the loadings that would have normally been given, which has obviously given Paul a bit of a shock.

[dizzyblonde]

Take your toys and calm down fellas

In all fairness, you have to remember that at 63 years of age, and a retired police officer, DT only speaks from experience....from both sides of the coin. He hasn't been on the road for over 40 years to not rack up something along the way.

YC..calm the language or I may have to stop your cake supply You are as opinionated as Dicky, and at 20 odd years old ...you know feck all in the grand scheme of things. Argue with me, call me what you will, but be like you are here in life and slowly people will become alientated., I prefer to have the less abusive debate with you like at home.

TA...grumpy mare

[Paul the 6th]

f*** off dizzee.... only joking... Think Oli hit the nail on the head, atleast I know the insurers haven't made a mistake by increasing my premiums to the same level as someone with DR10... They could have atleast used some vaselline or olive oil but hey ho

[yorkie_chris]

Originally Posted by dizzyblonde

Take your toys and calm down fellas

In all fairness, you have to remember that at 63 years of age, and a retired police officer, DT only speaks from experience....from both sides of the coin. He hasn't been on the road for over 40 years to not rack up something along the way.

YC..calm the language or I may have to stop your cake supply You are as opinionated as Dicky, and at 20 odd years old ...you know feck all in the grand scheme of things. Argue with me, call me what you will, but be like you are here in life and slowly people will become alientated., I prefer to have the less abusive debate with you like at home.

TA...grumpy mare

I don't care who anyone is or what they have done, if their attitude is patronising then they will get short shrift from me and told exactly what I think about it.

By bringing age into it you've just shot your own argument right in the tits. You cannot say I know feck all and then call my arguments abusive, that's rich.

If you are too grumpy to bring facts to table and discuss like a grown up then probably best to leave the internet forums alone hey?

Originally Posted by yorkie_chris

I don't care who anyone is or what they have done, if their attitude is patronising then they will get short shrift from me and told exactly what I think about it.

By bringing age into it you've just shot your own argument right in the tits. You cannot say I know feck all and then call my arguments abusive, that's rich.

If you are too grumpy to bring facts to table and discuss like a grown up then probably best to leave the internet forums alone hey?

That last line is also very grown up! I wouldn't say you know feck all but you do seem to have a closed mind on most things. Nothing wrong with that its your opinion, its just not always right

Irons, You are a tad more diplomatic than I intended to be

[Paul the 6th]

anywho, whinging and moaning asside, atleast now I know that "3 points won't really affect you too much" only really applies to 'run of the mill' type stuff like sp30's etc. as oli mentioned.

In the meantime I'll just have to do everything I can to try and bring insurance down... Car based IAM? Eeeek... I'll get my flatcap, pipe and slippers

Just subscribing so I can read this later