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Speed awareness course = Higher premiums!

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  • custardy
    custardy Posts: 38,365 Forumite
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    Hintza wrote: »
    But we don't have them in Scotland so you don't need to worry custardy.

    well going by harengs logic. I should be caning it on those 'open roads' when I leave at 3am ;)
  • hareng
    hareng Posts: 638 Forumite
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    If you were 'caning it' you wouldnt get offered the chance of a SAC.

    Also dont tell me you have never ever gone over the speed limit! So in effect your no better than anyone else thats been done, just you havent been caught!

    For the record most of the peope were 35 plus to about 60, with four clean records from 30 to 37 years. I was surprised to see one person 20 ish with full licence held for two months.
  • brat
    brat Posts: 2,533 Forumite
    hareng wrote: »

    For the record most of the peope were 35 plus to about 60, with four clean records from 30 to 37 years. I was surprised to see one person 20 ish with full licence held for two months.

    Fits with what I've been told, that the speed awareness course (offered for speed offences) catches a completely different type of driver than the driver improvement course (offered to careless drivers).

    Fits with research indicating that the safest driver age group is the most likely group to be recipients of speed camera tickets.
    Make everything as simple as possible, but not simpler.
  • Gilbert2
    Gilbert2 Posts: 566 Forumite
    hareng wrote: »
    Having done a SAC 4 days ago we were blatantly told you will not have to inform insurers and no points go on your licence. Will not be offered the same deal for next three years.
    People who are offered SAC are deemed in the eyes of the police to be good drivers.

    What cop told you this baloney?
    Good drivers are the ones who were not in the same room as you.


    Even the two tutors who have to own a non descript car ie Fiesta basic state they often exceed the limit.

    What??
    Are you sure you went to a SAC rather than being an extra on a new Carry On film???




    Also stated anyone thats had a clean licence for thirty years must have been doing something right.

    Errr, yep, probably because they know how to drive properly, like doing 30mph in a built up area or just simply looking at road signs!

    All it boils down to is spotting the cameras earlier and dont be last in a line of cars thats the one that gets done even in the middle of know where, open road 7.23am!

    Nah, it just boils down to some can drive competently, some can't.




    ............
  • Gilbert2
    Gilbert2 Posts: 566 Forumite
    brat wrote: »
    Fits with research indicating that the safest driver age group is the most likely group to be recipients of speed camera tickets.

    Don't believe that for a second.

    Surely a safer driver is the one who doesn't get pulled for speeding, rather than the one who does?

    It's like your saying it's safer to be stuck in a lift with an ex con murderer rather than someone who was never a murderer?

    Who on earth would feel safer with the former rather than the latter?
  • sarahg1969
    sarahg1969 Posts: 6,694 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Gilbert2 wrote: »
    Don't believe that for a second.

    Surely a safer driver is the one who doesn't get pulled for speeding, rather than the one who does?

    It's like your saying it's safer to be stuck in a lift with an ex con murderer rather than someone who was never a murderer?

    Who on earth would feel safer with the former rather than the latter?

    Ah, but there's a difference between not getting caught for speeding and not speeding.

    Maybe that person in the lift has murdered, but hasn't been caught?
  • brat
    brat Posts: 2,533 Forumite
    Gilbert2 wrote: »
    Don't believe that for a second.

    Surely a safer driver is the one who doesn't get pulled for speeding, rather than the one who does?
    Why should that follow?

    The research (which I'll dig out when I find it) showed that the least crash involved group per unit distance were IIRC 40 to 55 year old males, the same age group that are most likely to be ticketed for speed. The most crash involved per unit distance were the under 20s and the over 75s, who were the least likely age groups to be ticketed.
    It's like your saying it's safer to be stuck in a lift with an ex con murderer rather than someone who was never a murderer?
    It's not.
    Make everything as simple as possible, but not simpler.
  • jaydeeuk1
    jaydeeuk1 Posts: 7,714 Forumite
    Debt-free and Proud!
    Good on them. IMO going on a speed awareness course makes you a greater risk for speeding in future than having 3 points, as you've still got a 3 point cushion (esp if a new driver) to play with that wouldn't affect claims much.

    Bit like shoplifting, if you get caught and bollocked, you're probably less likely to do it again than someone who did it and got away with it.
  • kingstreet
    kingstreet Posts: 39,443 Forumite
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    Prompted by brat's point, why does Admiral not routinely ask for details of those who have attended Driver Awareness Courses and Red Light Courses?

    These are both offered in lieu of prosecution.

    Invariably, the offences could be considered equally, if not more serious, than a SAC for (within) limit + 10% + 9mph.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • Aretnap
    Aretnap Posts: 6,103 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    kingstreet wrote: »
    Prompted by brat's point, why does Admiral not routinely ask for details of those who have attended Driver Awareness Courses and Red Light Courses?

    These are both offered in lieu of prosecution.

    Invariably, the offences could be considered equally, if not more serious, than a SAC for (within) limit + 10% + 9mph.
    At a guess because not many people do red light or driver awareness courses relative to speed awareness courses, so they simply don't think it's worth their while collecting and examining the data to work out whether people on those courses pose a higher risk. Especially given that the lower numbers involved would make it more difficult to assess the extra risk they pose.

    That or they just haven't thought of it yet.
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