High insurance quotes because of previous speeding

[BelfastEV]

I know it’s my own fault and tbh since I got the Tesla I’ve been setting the speed automatically so it doesn’t go more than 60+5 and 70+5 but have previous speeding fines of £60 and 3 points , None between 2009 and 2015 , 1 from 2016 and 2 from 2019. Getting killed on insurance quotes . As soon as I go from puting the two in to the three in the quotes rocket eg £600 to £1100. Any advice ??????

 

[BelfastEV]

I know it’s my own fault and tbh since I got the Tesla I’ve been setting the speed automatically so it doesn’t go more than 60+5 and 70+5 but have previous speeding fines of £60 and 3 points , None between 2009 and 2015 , 1 from 2016 and 2 from 2019. Getting killed on insurance quotes . As soon as I go from puting the two in to the three in the quotes rocket eg £600 to £1100. Any advice (apart from stop speeding!) ??????

 

[Durzel]

9 points on a Group 50D car. There is no advice really, except perhaps waiting until next year when you won’t have to declare the 3 from 2016.

 

[BelfastEV]

Ok thanks

 

[OneTinyFish]

I had no idea.

Who are you with @BelfastEV? Have you tried a quote from Churchill yet?

 

[OneTinyFish]

I've just been on MoneySuperMarket. Is the Tesla Model 3 really in the highest insurance group a car can be in?

 

[Durzel]

Sadly yes.

SR+ is 48D
LR and P are 50D

The D refers to the Thatchem grade for security (not a great rating)

 

[BelfastEV]

Direct Line / Churchill are about £600 with reasonable excesses which is fair for 6 points of speeding in last five years but once I put in the extra 3 pts its Brightside at £921 with 3k excess !

 

[m3gt2]

Still less than £20 a week, have you looked at cover for the excess? Never needed more than £1000 cover but that's not much

 

[Avendit]

View attachment 604284

I had no idea.

Who are you with @BelfastEV? Have you tried a quote from Churchill yet?

The P is a 3 second 0-60 car. Essentially a supercar. They aren't going to like speeding points.

 

[NewbieT]

Maybe try adding another driver?

 

[Exy1]

I think I see part of your problem.

You see speed LIMITS as a target.

As has already been mentioned above. When I describe what the performance of a Tesla M3P is actually like I compare it to a Nissan GTR SUPERCAR. Obviously this is to describe acceleration as top speed is irrelevant in the UK.

How long before Tesla become a victim of their own success.

 

[Zakalwe]

Better learn to be gentle with the right foot for the short term. Get nicked once again and you'll be losing your licence due to totting up 12 points.
If you think your insurance is high with three SP codes then wait until you have to declare a TT99 totting-up ban! That ban is for a minimum of 6 months as well.
The only positive is that once you've been banned you can get the speeding endorsements removed.

 

[BelfastEV]

Better learn to be gentle with the right foot for the short term. Get nicked once again and you'll be losing your licence due to totting up 12 points.
If you think your insurance is high with three SP codes then wait until you have to declare a TT99 totting-up ban! That ban is for a minimum of 6 months as well.
The only positive is that once you've been banned you can get the speeding endorsements removed.

my oldest points are summer 2016 so have fell away but still need recorded for insurance (it’s 12 points in a three year cycle so I’m sitting on 6 )

 

[bhav]

Have you tried not speeding? Once maybe be bad luck, twice even. But three times suggests you've not learned anything (and setting the speed limit with +5 offset reinforces that). Shrug.

Alternatively get a car which is just difficult to speed in!

 

[NewbieT]

Maybe look at telematic policies?