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

Originally Posted by irons

i Dont have an issue with you, Ralph or anyone else

Why exactly am I quoted in your signature then? Not that I'm bothered in the slightest, just curious, my opinion on your trolling in that thread available in the thread for anyone to read, doesn't make any difference if it is repeated in your signature.

You keep it as your signature if I mean that much to you darling!

Just a side note, three points hasn't made the slightest difference to my policies since I picked them up in 2007.

Every insurance quote I've had, they have told me 3 points doesn't affect the quote, but more than 3 does apparently.
But just because insurance sees that as a risk doesn't mean squat, they also happen to think that even a non fault accident can affect your premiums as statistically speaking you're more likely to have another accident.

That really annoys me as I had a wagon reverse into my van at slow speed while parked and I wasn't even in it, yet according to statistics I'm more likely to have another accident, WTF? Crock of ****, I've had two accidents in 22 years of driving and 2x 3 points in that time also, I'm a low risk yet my premiums dont reflect this.

[Bluepete]

Am I sad and drive like an old man?

I have never had an endorsement on my licence and I've been driving for over twenty years. Those that ride with me know that I don't exactly hang about!

Paul, I can't explain why that endorsement is loading your policy so much, however, if your Audi has been remapped to a higher power, does the modification, which I'm sure you have disclosed, increase your premium?

Pete

Originally Posted by -Ralph-

Can't be bothered to jump on it, but did 5 minutes of research? Fair enough, I don't give 5 minutes to things on the forum I can't be bothered with, but I suppose it all depends on how much spare time you have.

Please enlighten us with your research, as the local police and local sheriffs were baffled by it. I know what excuses were given for that 40 limit, but there were certainly not considered as any more than excuses for a cash cow.



Well it really depends upon how you define "a few" doesn't it? For the purposes of putting some credible science behind this, I'm going to say someone who was issued with an offer of fixed penalty for speeding committed a minor offence, a "few" mph over the speed limit. If over the ACPO guideline for a court appearance (and below it in many cases of scamera partnerships) most authorities do not issue a COFP, but pass it to the courts to be summonsed.

"In the UK the number of fixed penalties issued to speeding has grown massively over the last 10 years, but the number of people disqualified from driving has remained relatively stable" - European Transport Safety Council

"In 2005 1.92 million fixed penalty tickets were issued for speeding, up from 712,000 in 1997. By 2007 this had dropped to 1.46 million, it is thought that motorists had become accustomed to slowing down for the cameras - The Home Office

Approx 30 million cars on the road and 14% of drivers have been ticketed for speeding in the last 5 years.

It's not my guess, it is fact. I suggest you do your research.

How many of the 14% got a ticket for going a "few" miles an hour over the limit? Defining few is like less than 4/5 but more than 1. (normally people would define a few as 3) And how many got them for poor driving, e.g a 20mph limit outside a school and the driver is doing 30-35mph? Acpo guideline is a fixed penalty for that btw! (not a few mph over tho is it?)
How many tickets are issued in accordance with the guidelines set out?
Answer is you dont know so unless you can break them stats up with that kind of information they mean nothing and the statement of "most points come from drivers doing a few mph over the limit" is still just your guess!

doh (must do better)
and your quote is my signature not because i have an issue with you but just because i find it funny that its what you think.

What? No research on the 40 limit in Edinburgh?

Originally Posted by irons

normally people would define a few as 3

Can you back that up with statistics? That's just your guess! Don't post it as fact.

Originally Posted by irons

MOST points are ordinary people who slipped a few miles per hour over the speed limit

I've had quite a few hot dinners in my time. There's a fair few people think the gulf war was all about the oil.

http://en.wikipedia.org/wiki/Figure_of_speech

It really doesn't matter how much I yank your chain and lead you into making daft arguments about what 'a few' means, nor does it matter what we can back up with statistics. Everyone reading this knows that the majority of points on peoples licenses were the result of a COFP for speeding, and that the majority do not automatically show that person is a poor, reckless, stupid, or dangerous driver. That's just the reality of it and unless someone lives in some sort of isolated bubble, or just likes arguing every little point for fun, or just can't stand to admit that something they wrote previously was bolox, they wouldn't try to argue otherwise.

[Paul the 6th]

Originally Posted by Bluepete

Am I sad and drive like an old man?

I have never had an endorsement on my licence and I've been driving for over twenty years. Those that ride with me know that I don't exactly hang about!

Paul, I can't explain why that endorsement is loading your policy so much, however, if your Audi has been remapped to a higher power, does the modification, which I'm sure you have disclosed, increase your premium?

Pete

Already sorted that with my insurer before going for the re-map pete Because I got the s4 2 weeks before I was 25, all the main stream insurers wouldn't touch me (even directline who I've been with forever couldn't future date the quote to my 25th birthday to tell me how much it would be), so I had to go with a specialist (and sponsor of the SRS forums) who did quote competitively and are also mod friendly, so the cat-back system and re-map have only required a one off payment which included an admin charge. The smiles per mile are absolutely worth every penny..

Paul (there's that smile again lol)

[Bluepete]

Originally Posted by Paul the 6th

Already sorted that with my insurer before going for the re-map pete Because I got the s4 2 weeks before I was 25, all the main stream insurers wouldn't touch me (even directline who I've been with forever couldn't future date the quote to my 25th birthday to tell me how much it would be), so I had to go with a specialist (and sponsor of the SRS forums) who did quote competitively and are also mod friendly, so the cat-back system and re-map have only required a one off payment which included an admin charge. The smiles per mile are absolutely worth every penny..

Paul (there's that smile again lol)

Want to be shown how to drive it properly?

Pete

Originally Posted by -Ralph-

It really doesn't matter how much I yank your chain and lead you into making daft arguments about what 'a few' means, nor does it matter what we can back up with statistics. Everyone reading this knows that the majority of points on peoples licenses were the result of a COFP for speeding, and that the majority do not automatically show that person is a poor, reckless, stupid, or dangerous driver. That's just the reality of it and unless someone lives in some sort of isolated bubble, or just likes arguing every little point for fun, or just can't stand to admit that something they wrote previously was bolox, they wouldn't try to argue otherwise.

i consider speeding as dangerous (look how many people are killed on our roads as a direct result of speeding each year)

Not saying i dont speed but i consider it not good safe driving. As ive stated many times that is just my opinion and you want to argue someone's opinion all the time which says more about you than it does me. your not even arguing the correct thing. I said an insurance company deem points as a higher risk driver..higher risk drivers are not good drivers..they are?? (in their eyes) not mine. READ THE POST'S. That is backed up in higher premiums.

Anyway Ralph with you i cant be fecked as this will just keep going and going. You excuse me of trolling yet i see you in so many heated debates on this forum always thinking your point is 100% correct. I am not always right (far from it) and neither do i try to be but im allowed to have an opinion on something without a muppet like you crying over every word i say and wetting your knickers

You dont have to agree as i dont with you but really...get over yourself mate. i will leave you to argue with your keyboard now

Originally Posted by irons

your not even arguing the correct thing. I said an insurance company deem points as a higher risk driver..higher risk drivers are not good drivers..they are?? (in their eyes) not mine. READ THE POST'S. That is backed up in higher premiums.

You still banging on the same points over and over?

Originally Posted by irons

Anyway Ralph with you i cant be fecked as this will just keep going and going. You excuse me of trolling yet i see you in so many heated debates on this forum always thinking your point is 100% correct. I am not always right (far from it) and neither do i try to be but im allowed to have an opinion on something without a muppet like you crying over every word i say and wetting your knickers

You dont have to agree as i dont with you but really...get over yourself mate. i will leave you to argue with your keyboard now

Tut. You're such a spoilsport. Please don't go, the telly's crap this evening