How Long Does A Speeding Ticket Stay On Your Record HONDA Accord III Saloon (CA) (11.1985 - 12.1989)

In the UK, a speeding ticket will generally affect your car insurance premiums for about four years, as penalty points for speeding (usually 3 to 6 points) stay on your driving licence for that period. Insurance companies typically ask about convictions within the last five years, so the impact on your insurance can last up to that time frame as well.

Does the age of your car (1987 Honda Accord) make a difference?
- Insurance premiums are influenced mainly by factors like your driving history, age, location, and the type of car, including its value and repair costs.
- Older cars like a 1987 Honda Accord often have lower market values, which can reduce insurance costs compared to newer or more expensive vehicles.
- However, insurers may consider older cars as higher risk for breakdowns or lack of modern safety features, which might affect premiums slightly.
- The key factor remains your driving record and penalty points rather than the car’s age.

How much can your insurance increase?
- A speeding conviction with 3 points can increase premiums by around 30-40% on average, but this varies by insurer, your age, and other risk factors.
- Multiple convictions or more points can cause even larger increases, sometimes doubling premiums or more.
- Younger or less experienced drivers tend to face higher premium hikes.

Important tips:
- You must inform your insurer about any speeding convictions or points on your licence. Failure to do so can invalidate your policy and lead to denied claims.
- The impact lessens over time, and after four years, the points no longer count against you for insurance purposes.
- Consider advanced driving courses or black box insurance to help reduce premiums after a conviction.

Summary
- Speeding points stay on your licence for 4 years and affect insurance premiums during that time.
- Your 1987 Honda Accord’s age mainly influences insurance costs through its value and repairability, but the speeding conviction’s impact is more significant.
- Expect a premium rise of roughly 30-40% for a typical 3-point speeding ticket, with the effect lasting up to 4-5 years.
- Always declare points promptly to your insurer to keep your cover valid.

This means your speeding ticket will likely increase your insurance costs for several years, but the age of your Honda Accord won’t notably change that effect.