Forums Forums Enthusiast Forums A - Z Autowirral Swinton Insurance - Ignore Speeding Points

It is a deterrent, I know for a fact that I dont want to be getting myself points for speeding as there is a chance it could increase my insurance.

Many people think of it this way, if the insurance isnt going to increase, they will "more likely" to speed as they will be less worried about their insurance going up if they are caught.

Basically, everyones insurance is probably going to go up overall as a result of this, as drivers who are getting stung for having points for speeding wont be if the rest of the industry follow. Why should I pay the same price as people who have points for dangerous driving (again, speeding is dangerous driving).

I see your point, but I don't think having a hike in your insurance for up to 3 years (i think, is it?) until it comes off your licence for a simple mistake such as driving too fast in an area you are unfamiliar with and then caught out by a camera or accidently speeding (we've all done it).

If it we're on purpose, then the points should play a role in insurance prices, perhaps if you we're caught by a traffic cop, through additional speeding codes to say you were doing it delibrately and it wasn't your misjudgement of the speed limit instead?

Lol misjudgement of the speed limits cant really be argued, as its your responsibility to know what the speed limits are. Its not that difficult to be honest.

Having a la like that would make it even worse, as the cop would then have to prove you were speeding intentionally lol, whereas the defendent would always say it was because they didnt realise what the limit was. Would actually be a really funny catch 22.

Matty i'm sure you have speeded but not been caught?
Everyone is Human.

Like i say its not the responsibility of the insurance company's to enforce fines or increased premiums.

Its been proven that its convictions prove a dangerous driver
not a speed camera.

+ 5mph does not necessarily make you a dangerous driver.

5mph+ can be the difference between an accident and a near miss though. Its been the difference for me twice, it will be the deciding factor for people in the future and it wont always go the right way.

Yes it does work both ways.

It doesnt really help you condoning and encouraging speeding Mark. This is a public forum and a serious topic. Its not sending out the right message.

[youtube]NuJKAuSocbA[/youtube]

My video shows that being +5 can save lives,
where as yours shows +5 can kill?

Both examples of what can happen!

Just to bring your comments into context above matty
have you ever speeded?

Erm the one you posted is a pisstake, and very unlikely to happen. And yes I have speeded, but most of the time I try not to. Im certainly not a regular speeder and have no intention of becoming one. I dont get intimidated by drivers who try to push me to go faster either.

And boy am I glad im not a regular/casual speeder, as I say, there has been two incidents in the past two years where I would have hit kids had I have been.

I know quite a few people though who would speed everywhere if it were not for the worry about points going against them on their insurance premiums.

Speeding is Speeding !

And your lucky you didn't get a ticket or caught.

Swinton Insurance are the first Insurance company to recognise that we are human.
Mistakes can be made, as joe says in unfamiliar area's etc..

As Jim Davidson said on one of his shows,
how can he be done for speeding 3 times on the same road?
He never slowed down.

Dont forget all the faulty speed cameras where joe public have been done !

Its been long said that if insurance was cheaper more people would have it.

There was a time when you couldn't hire a car unless your licence was clean, but now they will accept 3 points as its assumed its for speeding.

Times are changing and companies change policys to match.
Lets see who follows?

here here!