So after 10yrs of driving I’m receiving my first points on my license was driving home just over a month ago on a fairly empty motorway put my foot down for a brief overtake as someone was middle lane hogging and carried the pace on for a good few miles. Cue getting pulled over by the law and seems as they didn’t have any proof on camera of me apparently speeding they gave my car a good going over and found a tyre that was slightly below the legal limit just my luck because in the Mot 2 months earlier it never even flagged as an advisory. So I am getting 3 points and £100 fine. It’s took over a month for this to come through and last week my insurance was due for renewal which I have renewed as normal because I still had not received my letter through the post and my license when checked online was still showing as clean. Now I have received confirmation that I am getting points when do I declare it to the insurance? I have to pay the fine then surrender my license so do I wait until I get it back before ringing the insurance to say I now have 3 points? And what kind of damage is this going to do to my insurance price? Will they ask for a few hundred pounds extra on top of the price I have already agreed? And does it make any difference what the 3 points are for with it being a tyre compared to speeding?