OT: car insurance after 3 points for "careless driving"
Feb 28, 2026 Last reply: 4 months ago 31 Replies
M
mbailey888
I've had a clean licence for over 30 years, but last month I got stopped for driving with a misted up windscreen, spot fined and got 3 points for "careless driving" (although I'd actually been driving
*very* carefully on account of the fact I couldn't see where I was going very well). Any idea how much that difference that'll make to my car insurance come renewal time?
Thanks, Mark
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A
Andy Burns
Is it a CD10 or higher? google suggests +25 to +75%
Oh, and I think you're expected to notify the insurer straight away, rather that just at renewal.
M
mbailey888
No idea. Are there different 'grades' of careless driving?
Typical!
A
Andy Burns
CD10 up to CD90, hopefully nobody died? should be endorsed on your licence?
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M
mbailey888
I'll have to check. No, nobody was injured; just a few people behind me inconvenienced by my slow speed, that's all.
A
alan_m
You can check your licence and convictions (points etc.)
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You need your licence number, your national insurance number and the postcode on the licence.
K
Kempshott
Just go to one of the comparison sites and get quotes with and without the endorsement.
Use a fake name and nearby address if you prefer.
A
alan_m
Probably better to clear the cookies for that site between and after the searches.
The problem with comparison sites is that they will tell you to go to the insurer to provide more information for the offence which may change the quote you are initially given.
N
Nick Finnigan
Not for (someone very similar to) me, the prices were about £50 higher with a single recent CD10.
A
alan_m
Like for like car insurance prices fell by around 12% vs a year ago.
That didn't stop my insurance company quoting approx a 25% hike in my renewal quote. Shopping around got the price down to less than I paid last year, and for a slightly better policy.
M
mm0fmf
Can we have your location, car model, registration etc. so we can look out for and avoid someone who, with 30 years experience, should know better and not be driving with such a windscreen?
T
The Natural Philosopher
Bollocks. we all do that. It takes time to defrost a screen and not all of it is needful for a slow careful warmup drive - which is good for the engine anyway. We aren't fighting Heinkels at 15000 feet after all
Frankly it is symptomatic of a police force who prosecute what is easy to prosecute and not what is actually beneficial to society.
Theft, rape, muggings...they couldn't give a s*it. 25mph in a 20mph zone and its a fine and a banning on you my lad.
Years ago I reported all my speeding offecnces to my insurance company, And asked what difference it would make 'None' they said 'there is no correlation between people who get caught for speeding and accident rate. Driving without due care, or parking on the street in London, yes. Not speeding"
M
Marland
They have been replaced by Audis at 10, but anyway. One of our cars leaks, it doesn’t matter too much as it was my mothers and I got it when she gave up driving and it is mainly used as a motorised shopping cart or wheelbarrow. It leaked when new and is a known fault with Mk 1 Toyota Aygo’s and the Citroën and Renault versions . This Winter the damp caused a lot of condensation on the inside of the screen so I purchased a couple of those large bags of what I assume is silica gel with a colour change indicator on them. I was a bit skeptical as to how effective they would be but was pleasantly surprised to find that placed on the dash they did keep the inside of the screen clear.
The OP may find a couple help.
GH
C
Chris Hogg
They do need regenerating once the blue silica gel turns pink. Do this by heating in a domestic oven at about 110°C for several hours until the gel goes blue again.
A
alan_m
I have a heated front windscreen and this is used to initially demist the windscreen
I find on my car cabin heating doesn't really happen until the engine is warm/hot. If the car has been left parked a while in damp conditions (perhaps as little as a couple of days) and then hot water is channelled into the damp cabin heater matrix water vapour starts misting up the windscreen again. By this time the front windscreen heater has been automatically switched off and if not quickly switched on again the windscreen can rapidly become opaque. It helps to have the AC switched on to dry the incoming outside air.
N
nib
What you need is an electric or hybrid and a home charger. Set a timer or just activate in advance and all warm, clear and dry when it's time to go, all off the mains. Can also be done off the battery.
Even away from home, the instant start heater is almost as good as one of those heated windscreens.
nib
M
Marland
I find leaving them close to the woodburner from evening till morning also does the job, and using free wood is cheaper than using an oven.
GH
T
Theo
Apparently microwaving on a low power for a few minutes also does it.
Theo
M
mbailey888
That's exactly what I've got: a recent CD10; I finally got around to checking what they'd put on it.
M
mbailey888
Typical CBer.
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