mikenoncorsa
Member
Registered: 27th Sep 06
Location: Worcester
User status: Offline
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Just found out i gotta pay an extra £170 cos i've just got three points!! Girl on the phone said was lucky they just didn't cancel my insurance policy. If i cancel today i get £1000 back, only paid £1000.58 so might try and get a cheaper quote with 3 points declared. Should i bother?
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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Maybe ring around before you cancel lol!!!
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Kathryn W
Member
Registered: 12th Oct 03
Location: Widnes, Cheshire
User status: Offline
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Ring around before you cancel, if you get a better deal then cancel that policy!
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mikenoncorsa
Member
Registered: 27th Sep 06
Location: Worcester
User status: Offline
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I no that! She said cos of my age (20) and the car (fiesta st) that if i tried getting insured with 3 points most places wouldn't insure me! Its only cos i've taken the policy out already that they will continue the cover but want the extra cash!
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Kathryn W
Member
Registered: 12th Oct 03
Location: Widnes, Cheshire
User status: Offline
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I cant see that with most insurance companies, you'd just end up with having to pay a bit more 
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Edd
Member
Registered: 8th Nov 04
Location: Glasgow
User status: Offline
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im sure this is wrong
yes you do have to declare them but they should only affect your premium when it comes to renewal
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EarlofBarnet
Member
Registered: 26th Mar 04
Location: West Cumbria
User status: Offline
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Most people have 3 points these days, so ring around for a few quotes and then cancel your policy. What IG is the ST, £1k sounds a lot even for your age.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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most insurance companies dont even care about 3 points nowadays! i take it its for an sp30?
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John G
Member
Registered: 18th Jul 05
Location: Wirral, Merseyside
User status: Offline
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u dnt have to tel your insurance straight away anyway,
you only have to inform them an the start of your new insurance year, iv been doin searches since i got mine and by the time i come to renew i will have 1 years no claims bonus and the 3 points and iv found companys willing to insure me for same as im paying now and up to £200 less then im paying now so its definetly worth searching round
go on www.moneysupermarket.com they group all the insurannce groups up for you
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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my 3 points didn't put my insurance up
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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As John said you don't have to tell them until renewal time because you've already started the policy... try either moneysupermarket or http://www.confused.com
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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quote:
Originally posted by Matty G
my 3 points didn't put my insurance up
Generally insurance policies don't mind 3 points... its when its 6+++ that you start seeing massive premium hikes.
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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are you sure you dont have to inform them right away? Could of sworn you did have to.
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Edd
Member
Registered: 8th Nov 04
Location: Glasgow
User status: Offline
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you do have to inform them straight away but your price shouldnt go up till renewal
trust me
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ajscorsa
Member
Registered: 30th Apr 02
Location: Perceton, North Ayrshire
User status: Offline
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mine only went up 60 the first 3 points then 40 the second 3 points. id shop around
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mikenoncorsa
Member
Registered: 27th Sep 06
Location: Worcester
User status: Offline
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Not too sure on IG but don't think the premium is that bad. Its a £15,500 car, brand new, 2.0 16v and i'm only 20? Anyway, will have a shop around. I thought you had to inform them straight away??
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Rob H
Member
Registered: 28th Oct 00
Location: Staffordshire Drives: Astra SRi
User status: Offline
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quote:
Originally posted by Cosmo
are you sure you dont have to inform them right away? Could of sworn you did have to.
I'd also say you'd have too. Anything you declair in your policy when it starts, if it changes you'll have to notify them. Imagine it's only the same as increasing your milage allowance, may be more of a risk, so you have to notify them  .
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