35 in a 30

want2bmortgage3

i got caught by a speed camera for the first time in over 10 years of driving, whilst i was at work. i didnt realise until the letter came through to the work place. i was doing 35 in a 30, on a main A road which i thought was 40 as its a wide and busy road.

anyway they have offered me to do an AA course for £95, but the locations nearest me are miles from public transport and i dont at the moment have a car. i dont drive out of work at the moment!

for this reason i am thinking of paying the £60 fine and getting 3 points , instead of having a day off work to do a course which will cost more.
i have been told 3 points wont really affect an insurance quote (30 yo male) and i may not even drive myself again in that time.

so before i do this just wondered what you thought whether this is the right decision in my position!

bigjl.

If you don't intend to own a car in the next 3 years and don't need a clean licence for work then the £60 is the MSE answer. But you never know what's round the next corner. It's been stated on here before that some insurance companies class the course as a conviction. Personally I'd do the course.

alanrowell

Didn't affect my insurance when similar happened to me. Decided to take the points as it was cheaper than the course plus day off work

GavB79

I had a clean licence, got 3 points and insurance went up 50%. Same car, address etc. 31yo male.

Strider590

GavB79 wrote: »

I had a clean licence, got 3 points and insurance went up 50%. Same car, address etc. 31yo male.

Then it was something else, because 3 points won't add anything.
Was this high premium an auto renewal?

GavB79

No it was mid-policy, went from 400 to 600 for a full year equivalent. I was caught at 90 though, but it was just a standard SP50 code

sheilavw

I got caught about 3 years ago and I opted for the course and asked for a saturday

Trebor16

Taking the course is a no brainer. You don't have to declare it as a conviction because it isn't one. Whilst insurers might not be too bothered now about a single speeding conviction who knows what they might do in the future. They might see it as a means of raising extra cash to charge extra for a single conviction.

mikey72

Strider590 wrote: »

Then it was something else, because 3 points won't add anything.
Was this high premium an auto renewal?

It certainly will.

bigjl.

mikey72 wrote: »

It certainly will.

and did.;)