Penalty points loading

[CJ]

At what stage does your insurance company start loading your policy in terms of penalty points? My own insurer (Royal Sun Alliance) loads the policy when 7 points are accumulated. This surprised me somewhat, I would have expected to be paying an extra few quid when 4 points are reached.

CJ

[TopCat]

That seems fairly good alright CJ. I think most companies let you away with the first 2, but after that start loading. I'm open to correction though.

[Dragonheart]

Think its the first 4, again only from what I've heard, no points so no experience with the system.

[optical illusion]

That seems fairly good alright CJ. I think most companies let you away with the first 2, but after that start loading. I'm open to correction though.

I would tend to agree.

[CJ]

Anybody got practical experience of this or are those of you with points not declaring them?

CJ

[Baldrick]

I had four a few years ago (on the bike) with Hibernian. No problem with the first two... Got loaded when I hit four. Didn't have to declare them... They knew as soon as I did

[CJ]

Didn't have to declare them... They knew as soon as I did

The joys of working in the insurance industry, eh?

CJ

[Sebastian]

have a few points miself .. i split them between me and the missus .. . minor and stupid stuff , so far not a problem inssurance wise

[Dragonheart]

.. i split them between me and the missus .. .

How? Thought points went on the registered owner of the car if caught on camera, or whoever was driving when the cops stopped the car.