I went back to 2 wheels this time last year after a ten-year absence due to losing my bottle after a hi-speed collision with a car that broke the lights.

Because it was over 10 years I lost my 10 years no claims bonus so i had to start from scratch and carol&Nash gave me the best quote.

They charged me 230euro for fire&theift on a 125 which i thought was fair.

Then this year they were asking the usual questions. Any convictions points

etc.As last year I said no but I being honest i said i got 3 points 5 years ago but they are gone 2 years now. He then preceded to up my premium by 25%.

Because I had got points in the last 5 years driving a car. Is it legal to punish for spent points.