Speeding fine advice

Rolandtheroadie

I took points as I didnt have any, even although I wasnt convinced I was speeding (although I also wasnt absolutely sure I wasnt either).

They were written on at the local court when I went in to pay the fine (no surrendering of licence) and dissappeared when I updated my photo. :j

They made no difference to my insurance.

iolanthe07

So, if you had attended a course but answered "no" then what?

You'd be lying. If you're happy with that (Iwouldn't be) you'll probably get away with it, but insurance companies will use any trick they can to avoid paying a claim.

Paradigm

iolanthe07 wrote: »

You'd be lying. If you're happy with that (Iwouldn't be) you'll probably get away with it, but insurance companies will use any trick they can to avoid paying a claim.

How would they know if you are lying? They don't have access to this data.

You haven't been convicted of any offence so what has it got to do with them?

Aretnap

Paradigm wrote: »

How would they know if you are lying? They don't have access to this data.

No idea how likely it is that they'd find out, but given that they'd refuse to honour a claim if they did, not to mention the fact that you'd be committing fraud, it's not something I'd want to risk finding out for the sake of a few quid off my premium, still less something I'd advise someone else to do.

You haven't been convicted of any offence so what has it got to do with them?

Does not make sense - you haven't been convicted of an offence if you've made a claim, had an accident, modified your car or moved to a rougher area, so what have those things got to do with them? They're entitled to ask about any facts which they consider are material to the risk of insuring you, and the fact that you've been caught speeding (albeit you paid a bribe to avoid prosecution) is quite material.

motivated

My husband has recently completed one of these 1 day courses. It works out better in the long run regarding your licence and insurance etc. He said it was a long boring few hours but at least he gained no points on his licence.

shaun_from_Africa

Aretnap wrote: »

Does not make sense - you haven't been convicted of an offence if you've made a claim, had an accident, modified your car or moved to a rougher area, so what have those things got to do with them?

Why doesn't it make sense?

There are always specific questions on insurance applications asking if you have had any claims, if your car has been modified and where you are living/where the car is kept, so these things have everything to do with the insurance company.

There will also be a question asking about any accidents, claims or convictions but unless there is also a question asking if you have been on a speed awareness course, you are not misleading the insurers by failing to mention this as you have not been convicted of speeding.

Paradigm

Aretnap wrote: »

No idea how likely it is that they'd find out, but given that they'd refuse to honour a claim if they did, not to mention the fact that you'd be committing fraud, it's not something I'd want to risk finding out for the sake of a few quid off my premium, still less something I'd advise someone else to do.

They can't find out, the info isn't available to them.
As for committing fraud, if they included a question along the lines of " Have you exceded the speed limit at any time over the last 12 months" how would you answer?

Just to muddy the water a little, a company I worked for a couple of years ago sent all their drivers on a safe/fuel efficiency driving course, which included speed awareness.

If my insurer asks if I've attended a SAC do I say yes?

vax2002

The OP has vanished...

Paradigm

vax2002 wrote: »

The OP has vanished...

Or maybe he has better things to do on a day like this rather than sit at his keyboard like us saddo's

shaun_from_Africa

Paradigm wrote: »

Or maybe he has better things to do on a day like this rather than sit at his keyboard like us saddo's

Speak for yourself.
I'm getting paid to sit at my keyboard (although I do have to do a bit of work every now and again).