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Speeding offences & insurance policies
Comments
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Strider590 wrote: »One speeding conviction won't really do much to harm your premiums, they're given out far too liberally as camera partnerships are run as business and it's all about money, there are probably more people with points on their licence than without.
If your caught and stopped by the actual Police, then things get expensive.
Is that on the basis that the police will usually only go after the 'gross' speeders, not your 35 or 40 in a 30?0 -
Strider590 wrote: »One speeding conviction won't really do much to harm your premiums, they're given out far too liberally as camera partnerships are run as business and it's all about money, there are probably more people with points on their licence than without.
If your caught and stopped by the actual Police, then things get expensive.
Hardly. According to the DVLA, as of June 2017, there were 39,975,351 licence holders, of whom 2,742,895 had points - 6.86%. Looking at it the other way, the vast majority (93%) of drivers have clean licences.
Why would things get more expensive if caught by the "actual" police?0 -
[quote=[Deleted User];73133357]Hardly. According to the DVLA, as of June 2017, there were 39,975,351 licence holders, of whom 2,742,895 had points - 6.86%. Looking at it the other way, the vast majority (93%) of drivers have clean licences.
Why would things get more expensive if caught by the "actual" police?[/QUOTE]
Well it wouldn't, same court, same conviction same result. Makes no difference whether a cop or a civvy pulls the trigger.0 -
[quote=[Deleted User];73133357]Hardly. According to the DVLA, as of June 2017, there were 39,975,351 licence holders, of whom 2,742,895 had points - 6.86%. Looking at it the other way, the vast majority (93%) of drivers have clean licences.
Why would things get more expensive if caught by the "actual" police?[/QUOTE]Warwick_Hunt wrote: »Well it wouldn't, same court, same conviction same result. Makes no difference whether a cop or a civvy pulls the trigger.
Nothing the insurance companies do appears to make sense and yet you question this? :rotfl:Is that on the basis that the police will usually only go after the 'gross' speeders, not your 35 or 40 in a 30?
The BiB go after gross speeding and dangerous/reckless driving, unless they're really bored. They look at who is driving, what they're driving and how they are driving.
The manned camera vans are indiscriminate, they'll happily catch 90yr old Doris coming back from Tescos in her WagonR.“I may not agree with you, but I will defend to the death your right to make an a** of yourself.”
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If you do the course then do it and forget about it.
Don't tell any insurer.
There's no way they can find out. Them asking in the first place is a !!!! take.0 -
Strider590 wrote: »Nothing the insurance companies do appears to make sense and yet you question this? :rotfl:
No, it was your idiotic comment. How do the insurance companies know whether a conviction for speeding is from the police or camera safety partnership?0 -
You really do post nonsense, one would have thought you'd learnt your lesson by now. The vast majority of drivers in the UK have a clean license, that's a plain fact, and please explain why being caught by the police rather than a speed partnership makes any difference. An SP30 is an SP30, the fine's the same, the hike (or not) in insurance is the same. Please stop posting drivel!Strider590 wrote: »One speeding conviction won't really do much to harm your premiums, they're given out far too liberally as camera partnerships are run as business and it's all about money, there are probably more people with points on their licence than without.
If your caught and stopped by the actual Police, then things get expensive.0 -
If you do the course then do it and forget about it.
Don't tell any insurer.
There's no way they can find out. Them asking in the first place is a !!!! take.
There's no way they can find out - at the moment. There's no guarantee that will remain the case.
Why is it a !!!! take? They obviously think it's relevant. On the face of it, they're right. The driver has committed the same offence as someone given points, and there is no evidence that the courses have any effect.0 -
You really do post nonsense, one would have thought you'd learnt your lesson by now. The vast majority of drivers in the UK have a clean license, that's a plain fact, and please explain why being caught by the police rather than a speed partnership makes any difference. An SP30 is an SP30, the fine's the same, the hike (or not) in insurance is the same. Please stop posting drivel!
Those offences are devalued by the fact they get handed out indiscriminately, even to those who are otherwise responsible drivers OR (as mentioned) 90yr old Doris in her WagonR.
The Police actual aren't going to chase down a 90yr old for doing 35 in 30 limit.
In fact Doris could probably whiz past them every day at 40 and all they'd do is run the plates, that is until there is something wrong with the car or she upgrades to a Focus RS with blacked out windows.
If you these offences to mean anything, then you'd have to to leave speed enforcement to traffic officers, and we know the Police don't the have resources or funding to do that.
A Police traffic officer saying "yeah this guy is a dangerous driver", means a hell of a lot more than some sad little man in van pointing a glorified laser pointer at passing motorists.
If that doesn't make sense then I can't really help you.“I may not agree with you, but I will defend to the death your right to make an a** of yourself.”
<><><><><><><><><<><><><><><><><><><><><><> Don't forget to like and subscribe \/ \/ \/0 -
Strider590 wrote: »Those offences are devalued by the fact they get handed out indiscriminately, even to those who are otherwise responsible drivers OR (as mentioned) 90yr old Doris in her WagonR.
The Police actual aren't going to chase down a 90yr old for doing 35 in 30 limit.
In fact Doris could probably whiz past them every day at 40 and all they'd do is run the plates, that is until there is something wrong with the car or she upgrades to a Focus RS with blacked out windows.
If you these offences to mean anything, then you'd have to to leave speed enforcement to traffic officers, and we know the Police don't the have resources or funding to do that.
A Police traffic officer saying "yeah this guy is a dangerous driver", means a hell of a lot more than some sad little man in van pointing a glorified laser pointer at passing motorists.
If that doesn't make sense then I can't really help you.
But this whole thread is about an SP30, not the difference between speeding and dangerous driving conviction effects on your policy.0
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