No. We have seen no evidence that penalty points indicate a greater risk. In the UK, the experience has been that as drivers get penalty points, they drive more safely. So for the moment our intention is not to load for penalty points.

Penalty points last thee years from the date of the offence, but remain on the licence for 4 years (11 years for drinking or drug offences). If 12 or more points are accumulated within 3 years the driver will be disqualified, however the courts are given limited powers not to disqualify in exceptional circumstances. After disqualification under the totting-up procedure the existing points will be removed from your licence but your licence will refer to the disqualification for 4 years. See similar questions...

In most cases, yes. But there are sometimes particular situations which we call "special reasons" where we can persuade the Court not to impose penalty points because it would be unfair. When we discuss your case with you we will be looking out for these "special reasons". See similar questions...

A form to apply for removal of penalty points can be collected at a Post Office after four years have elapsed. This, in effect, gives you a ‘clean’ licence. You are under a legal obligation to produce your documents within seven days of being requested to do so by the officer who gave you the form. You must take all the documents you were asked to produce (driving licence, insurance certificate and MOT certificate), to the police station that you nominated at the time. See similar questions...

Prepayment penalties on your existing mortgage could make refinancing more costly. Check the details of your current loan agreement and be sure to factor in the cost of any prepayment penalty when you consider the benefits of refinancing. See similar questions...

Each account earns 100 premium points per month of membership. These points can be spent on a number of services available to premium members. See similar questions...

You start with 1500 points when you become a premium member. You can request a reset of your points only when you extend your subscription. See similar questions...

A person whose penalty points reach 12 in a three year period is liable to disqualification, unless you have had your licence for less than two years (beginning with the day you got your license) in which case your licence may be revoked if you accrue six or more points. See similar questions...

The threshold is 12 points. If 12 points accumulate on a licence record within 3 years, a notice will issue informing the licence holder that they have been disqualified for 6 months and that they must surrender their licence at their local Motor Taxation Office. See similar questions...

Where your car is kept affects your chances of having an accident or becoming a victim of theft or vandalism. The chances of this happening in a large metropolitan area is much more likely than if you were living in the country. The people who set the rates for premiums will take this into consideration. See similar questions...

As medical insurance cost rises over time, a premium you can afford at 40 may turn out to be unaffordable at 65. As new treatments become available involving new drugs and technology, costs of cover will rise and it will become more difficult to obtain cheap health insurance. Insurance companies increase premiums annually in line with Medical Inflation. Government legislation also affects premiums particularly if tax incentives to plans are either allowed or excluded. See similar questions...

When the accident involves no injury and the driver is considered to be principally at fault (51% or more) and property damages exceed $500, the driver will lose their "Accident-Free Discount." When the accident involves injury and the driver is considered to be principally at fault (51% or more) and damage exceeds $500, the driver will lose the "Accident-Free Discount" and "Good Driver Discount." See similar questions...

The liveWELL program is available to staff members in 50% or greater regular positions. The University's health plans -in which approximately 10,000 employee participate- are considered self-insured, which means the University is responsible for the costs of the claims incurred. It is hoped that one of the benefits of the liveWELL program will be a reduction in health care claims from the plan participants, and a measurable savings to the University health plans. See similar questions...

Please give Western Truck Insurance a call once you know the destination and how long you will be out of your normal radius and an exception can usually be granted by the insurer. See similar questions...

If it turns out you are under insured it will be wise to increase your insurance. Not all insurers, however, have a premium linked to the amount insured. See similar questions...

We exclude drivers with convictions for drunk driving, dangerous driving or driving without insurance. In some cases, we can offer more favourable terms to drivers with no convictions whatsoever. See similar questions...

No. If you cancel your membership you will stop earning points, but you will not lose the points you already have. Your premium points will be available to you when you again upgrade to Premium membership. Yes! And it's a great reason to return to being premium. When you reactivate your account, you will have credit for the total number of months that you were premium, regardless of whether these months were consecutive or not. See similar questions...