Hi all, Just need some advice please. I have now unfortuatley obtained 12 penalty points on my licence within the 3 year 'topping up' process. Just after xmas i was caught execeeding a 60mph limit via camera van man! (too late when i saw the van and no excuse as i didnt realise i was going that fast on a very quiet country road) I had only had my Type R for 3 months (ST before that). I know speeding is no excuse and it was my fault for speeding! I was lucky not to get a ban, I got a heavy fine and 6 points ontop of the 6 points i already had for speeding!
As i am an honest guy i have notified my insurance company as people were telling me i had better do so or my insurance would be void if anything else was to happen and could end up with more points if i was found out! Now my monthly payments have jumped from a very resonable £40 a month (on 6 points at time) to £91 a month
. Silly question but is this normal should it jump this high??
I have 5 months until renewal and panicking a bit now! will i get insured for my type R come renewal time or will i have to pay over the odds for the duration i own my car?
Has anyone had the unfortuate or similar luck as me and can offer any good insurance companies that may insure me come the time at a resonable price? I fear next renewal is going to cost the earth!
I have full NCB over twenty years driving experience had no accidents, never claimed before, my girlfriend who i did name on my current premuim is older then me, got a clean licence, had origianlly brought my premuim down at the start of cover before the extra 6 points were added!
Just for the record: 3 points March 2007, 3 points April 2010 and 6 points Dec 2010. I know insurance companies state 5 years on their terms too!
As you can imagine i am now very cautious and stick to the speed limits very strictly now and try to keep my cool when someone wishes to edge me into a race when they see me and don't want them thinking they can burn off a Type R easily lol. Yesterday, a Golf GTI 'deisel' was edging me on dual carriagway, i was nearly tempted to use V-Tec but had to give in, its just to risky!
Anyway, sorry to rant on.
Any help or advice will be much appreciated.