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SPEEDING, fine vs awareness course?
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# 1
MONEYMAKINGMUM
Old 24-08-2010, 2:24 PM
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Default SPEEDING, fine vs awareness course?

Hi, yes on hols was speeding, I've got an option to do an awareness course.

What I would like to know is if I pay £60 fine and get 3 points on license my insurance premiums will go up (so I read somewhere),

if I pay £100 and do awareness course I get no points,
but I assume I will have to tell my insurance co. when I renew so my premiums will still be affected?
Sorry, never been in this situation before so any advice would help please.

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# 2
keystone
Old 24-08-2010, 2:31 PM
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3 points on your previously clean licence won't affect your premiums that dramatically. I copped 3 recently for a different offence for which there was no alternative like this course. I run two vehicles, one private and one commercial, so different insurers and separate policies. In one case the premium went up by about a fiver per annum and in the other it went DOWN as the little bump I had a few years ago is now out of time and wasn't counted any more.

Cheers
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# 3
keystone
Old 24-08-2010, 2:32 PM
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Oh and sorry yes you MUST tell your insurance company becase its still a conveiction whether you take the points or the course.

Cheers
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# 4
LandyAndy
Old 24-08-2010, 2:36 PM
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Quote:
Originally Posted by keystone View Post
Oh and sorry yes you MUST tell your insurance company becase its still a conveiction whether you take the points or the course.

Cheers
That is completely wrong.

It is not a conviction and you don't have to tell your insurers.

How do I know? I went on one and the course leaders made a point of telling us that and it was written in the course notes.
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# 5
Lucy Lastic
Old 24-08-2010, 2:43 PM
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I too am an offender! If offered I would rather do the course and avoid the points. The course costs £60 in Wiltshire.

I sent off the reply to the original "notice of prosecution" letter, well over a month ago and am waiting to be offered the speed awareness course (or not) depending on whether I meet the criteria (or not). It seems to be taking a long time to get a reply, but maybe that's Wiltshire.

I was doing 38 in a 30 mph limit.

Do you mind me asking what speed you were doing and how long did they take to reply to you?
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# 6
neilmcl
Old 24-08-2010, 2:47 PM
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Quote:
Originally Posted by Lucy Lastic View Post
I was doing 38 in a 30 mph limit
I doubt you'll be offered a course from that speed. Which police force nicked you?
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# 7
Quentin
Old 24-08-2010, 2:53 PM
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Often they go on 10% + 6, so if Wiltshire follow that, 38 would be ok.

But haven't Wiltshire followed Oxfordshire and given up on "safety" cameras, and the safety camera partnership?
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# 8
Lucy Lastic
Old 24-08-2010, 3:00 PM
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It was not a "safety" camera, but a sneeky copper in a van! I was able to view the layby where he was positioned, on line and also inspect the calibration certificate of the speed gun used. (As if that helped.)
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# 9
MONEYMAKINGMUM
Old 24-08-2010, 3:02 PM
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Thanks everyone, Lucy Lastic I was in Dorset 38 in a 30 (SNAP!) a police van parked at side of road caught me (doh!).
Not gonna challenge (too far to go back and would defeat mse object).

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# 10
Sir Roger deLodger
Old 24-08-2010, 3:11 PM
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If your licence is clean at the moment, 3 points won't make a lot of difference. Mine didn't go up at all when I was on 3. Most insurance companies don't bother about the first 3 now because so many people have them.
If I were you I'd settle for the 60 quid and the points.
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# 11
flang
Old 24-08-2010, 3:24 PM
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Quote:
Originally Posted by Quentin View Post
haven't Wiltshire followed Oxfordshire and given up on "safety" cameras, and the safety camera partnership?
Yes and its the best new of the year. I for one isnt sorry to hear about their job losses!
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# 12
keystone
Old 24-08-2010, 3:39 PM
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Quote:
Originally Posted by LandyAndy View Post
That is completely wrong.
Well not completely wrong. You take the points then it IS a conviction but I know what you mean and sorry if I was misleading.

I've just thought about this and am going to stick with my original statement. The ins co asks you "Have you had any motoring convictions in the last 5 years" not "How many penalty points have you got". Taking the course instead of the points doesn't change the fact that you have a conviction for a motoring offence. I think you had bad advice on your course.

Cheers

Last edited by keystone; 24-08-2010 at 3:49 PM. Reason: Added 2nd paragraph.
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# 13
keystone
Old 24-08-2010, 3:41 PM
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Quote:
Originally Posted by Quentin View Post
Often they go on 10% + 6, so if Wiltshire follow that, 38 would be ok.
the guideline is 10% plus 2! Thats the max you should work to even if some forces are more lenient.

Cheers

Edit: Just to clarify - what I have stated is the ACPO Guideline for you to have been considered to be speeding. The higher 10% + 6 guideline is the cut-off point for the offer of an SAC.

Last edited by keystone; 24-08-2010 at 9:44 PM. Reason: Added Edit.
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# 14
Lucy Lastic
Old 24-08-2010, 3:42 PM
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I was on the border of Wiltshire and Dorset at Mere, so maybe it was the same sneeky copper! I'm a bit worried that I've heard nothing further in over a month though.
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# 15
Paradigm
Old 24-08-2010, 5:03 PM
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Quote:
Originally Posted by keystone View Post
I've just thought about this and am going to stick with my original statement. The ins co asks you "Have you had any motoring convictions in the last 5 years" not "How many penalty points have you got". Taking the course instead of the points doesn't change the fact that you have a conviction for a motoring offence. I think you had bad advice on your course.

Cheers
A speed awareness course is offered instead of a conviction! By accepting an SAC you have not admitted guilt (or innocence).
Always try to be at least half the person your dog thinks you are!
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# 16
Happychappy
Old 24-08-2010, 5:48 PM
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Quote:
Originally Posted by Lucy Lastic View Post
It was not a "safety" camera, but a sneeky copper in a van! I was able to view the layby where he was positioned, on line and also inspect the calibration certificate of the speed gun used. (As if that helped.)
Was he sneaky ? or you blind as a bat and gormless as to your speed ?
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# 17
neilmcl
Old 24-08-2010, 6:27 PM
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Quote:
Originally Posted by Happychappy View Post
Was he sneaky ? or you blind as a bat and gormless as to your speed ?
Here we go, the morality police are back.
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# 18
keystone
Old 24-08-2010, 6:42 PM
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Quote:
Originally Posted by Paradigm View Post
A speed awareness course is offered instead of a conviction! By accepting an SAC you have not admitted guilt (or innocence).
Ahh OK thanks - now I understand. Never having been offered one......

Cheers










.......cos I only got caught once and it was before the SAC and in any event TVP cocked up the paperwork so case dismissed!
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# 19
tomitma
Old 24-08-2010, 6:48 PM
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I have been caught speeding on the M4 I was doing 82mph in a 70 zone, my awareness course is on the 24th September, I had a choice of 8 places in wales where I could take it, and it costs 80 pound in wales.
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# 20
Paradigm
Old 24-08-2010, 7:01 PM
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Quote:
Originally Posted by keystone View Post
.......cos I only got caught once and it was before the SAC and in any event TVP cocked up the paperwork so case dismissed!
Nice result
Always try to be at least half the person your dog thinks you are!
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