3 points or speed awareness?

thebman

Hi all,

Got caught 6mph over the limit so I've got the take 3 points or do a speed awareness option.

I know both cost about the same £100.

But how much would 3 points really affect my insurance premium in monetary terms? If really rather not go to the class but if my insurance is really going to suffer then I'll bite he bullet.

And any other hidden downsides to the 3 points? Aside from being closer to the 12.

Thanks

Quentin

3 points will make little or no difference.


You can find out now by doing dummy quotes online with and without 3 points in your history.


(Though check out what difference 6 make - can you be sure this will be the only time you offend - and get caught - in the next 5 years?)

tykesi

Do some dummy quotes with the three points on, nobody here is going to be able to give you any figures.

Herzlos

3 might not make much difference, but 6 would and you might not get offered again.

Why don't you want to do the class?

Nasqueron

Remember the 3 points will be on the insurance forms for 3-5 years (I forget) so factor in that as well

Just do the course and have a clean license which gives you some wiggle room if caught again in the future (can only do one in 3 years) vs getting 6 points

Quentin

Herzlos wrote: »

Why don't you want to do the class?

They cost around the same as the fine, but involve at least half a day (probably a whole day unless the course is local) which makes it expensive if you lose pay by attending and it does also depend on what value you put on your own time!

Iceweasel

Quentin wrote: »

They cost around the same as the fine, but involve at least half a day (probably a whole day unless the course is local) which makes it expensive if you lose pay by attending and it does also depend on what value you put on your own time!

It also depends on what value a future employer may put on having a 'clean' licence.

interstellaflyer

Quentin wrote: »

They cost around the same as the fine, but involve at least half a day (probably a whole day unless the course is local) which makes it expensive if you lose pay by attending and it does also depend on what value you put on your own time!

The one I did was 4 hrs including a break and was from 4pm - 8pm and contrary to myth, we weren't made to feel like naughty boys and girls, the course was informative, well presented and at times fun.

Car_54

Quentin wrote: »

They cost around the same as the fine, but involve at least half a day (probably a whole day unless the course is local) which makes it expensive if you lose pay by attending and it does also depend on what value you put on your own time!

Who knows, the OP might even learn something, and avoid any future offending.

Quentin

No doubt.


(The topic was why would you not want to do the course)

Herzlos

Quentin wrote: »

They cost around the same as the fine, but involve at least half a day (probably a whole day unless the course is local) which makes it expensive if you lose pay by attending and it does also depend on what value you put on your own time!

So that'd come down to 2 factors:

1. Will your insurance premium increase over the 5 years be more or less than the cost of a days work / vacation? Considering evening courses are available you might only need to take a half day.

2. Will you need to use the points in the next 5 years? You might not be offered the course next time. I'd much rather hae a course and 3 points than 6 points.