Correct me if i am wrong

[letsmakeamark]

The idea of giving someone points for speeding. I thought that the system was fair. What i cant actually get around is. If points and a fine are given why is the driver the persecuted by the insurance company ?

[dx100uk]

perceived a greater risk

 

dx

[letsmakeamark]

The risk would have been dealt with by the court no ?

[dx100uk]

no, that's just a penalty for wrong doing.

 

the insurance companies, quite rightly, then view you as being untrustworthy, so potentially more of a risk

 

dx

[letsmakeamark]

I know what you mean. I think there might be something here.

[crem]

no, that's just a penalty for wrong doing.

 

the insurance companies, quite rightly, then view you as being untrustworthy, so potentially more of a risk

 

dx

 

I am not sure "untrustworthy" is the appropriate word here. I would view it that they think you are a higher risk because by speeding, that by definition is much more dangerous than driving within the limit and therefore you are much more likely to have an accident which would cost them money.

[letsmakeamark]

I cant remember the word i need to use. Not a knock on effect but like when you have have been dealt with by a court of law then in effect this is a direct result of it and is ____________ ? What is the word i am missing ?

[citizenkain]

bad luck?

[crem]

bad luck?

 

lol

[crem]

I cant remember the word i need to use. Not a knock on effect but like when you have have been dealt with by a court of law then in effect this is a direct result of it and is ____________ ? What is the word i am missing ?

 

indicative?

[Aretnap]

I cant remember the word i need to use. Not a knock on effect but like when you have have been dealt with by a court of law then in effect this is a direct result of it and is ____________ ? What is the word i am missing ?

Life?

 

A bit like how if you're convicted of theft you might find it difficult to get a job in a bank. Or if you're convicted of kiddie fiddling, you might find that your neighbours politely decline your offers to babysit their children. It's not persecution, it's just people making a reasonable judgement about you based on your convictions.

 

You might be thinking of double jeopardy or autrefois convict - the principle that you can't be convicted of the same offence twice. If so you're misapplying it, as an insurance quote is not a second trial.

 

Insurers ARE limited in how they can treat your convictions by the Rehabilitation of Offenders Act, which is why they only ask about convictions in the last 5 years. That's how long it takes most motoring convictions to become spent, and after that time they cannot legally treat you differently from someone who has never been convicted of an offence. Until then, they can treat convictions as they see fit.

[ericsbrother]

It is the perception of insured risk. If you speed and hit something them the greater kinetic energy causes more damage and the insurer has to pay out more money.

Conversely, if you are a doddey old git and people keep running into the back of you your insurance will still go up decause your driving style is perceived as a risk. That is why the insurance costs for women over 55 is close to that of youngsters, they keep hitting things 9not very fast, admittedly, but very frequently)