Three point conviction pushes up insurance We are a retired couple with two cars, both of which have been insured by Direct Line for many years. I am the named driver on my husband's policy, and he is the named driver on mine. I recently received an SP30 conviction for speeding - my first in 40 years of driving. My husband's policy has risen from £376 per annum to £700. On querying this, Direct Line says it would have gone up to £485 anyway, but the other £215 is because of my three-point conviction. When I come to renew my own policy, I will see a similar hike. I am not querying my conviction - I should not have been speeding - but I do resent being taken for a ride. I'm afraid that is how Direct Line operates. It was one of the first insurers to penalise policyholders harshly for minor speeding convictions. Next time, shop around. Liverpool Victoria receives positive feedback from many readers.