New Driver - 2 Speeding tickets in a week!

System

Darth_Spud wrote: »

Yes it was her driving on both occasions... its her car not mine, I just have her car on my Insurance Policy and her down as an additional driver. I'm sure I would have remembered driving her car near her work place since I've rarely driven her car and I've never driven near her work place. Was this an assumption that I was lying about the situation?

Problem with that is that as the Rt Hon Member of Parliament for Peterborough found out this week, that can end up with both of you in court facing a charge of perverting the course of justice and a possible prison sentence.

(Text removed by MSE Forum Team)

unforeseen

Darth_Spud wrote: »

its her car not mine, I just have her car on my Insurance Policy and her down as an additional driver. I'm sure I would have remembered driving her car near her work place since I've rarely driven her car and I've never driven near her work place.

I think you have a lot more to worry about than a few speeding tickets.

She owns the car. You insure it. She is a named driver on your insurance. You rarely drive it. Do you see the problem?

MovingForwards

Insurance companies love a bit of fronting on policies...

marlot

Darth_Spud wrote: »

Yes it was her driving on both occasions... its her car not mine, I just have her car on my Insurance Policy and her down as an additional driver...

Unless you've told the insurance company that she is the main driver, that's called Fronting by the insurance companies.


It's regarded as fraud, and if she were in an accident they could refuse to pay up for damage to the car. They could also cancel the insurance and may even charge you for any payout they had to make to a third party.


https://www.admiral.com/magazine/guides/motor/what-is-fronting-and-why-does-it-affect-car-insurance

dacouch

Not all Police forces offer SAC

Arklight

Most policies make the policy holder also being the registered keeper as one of the assumptions. It's usually the first assumption.

In all probability she (and you if you drive her car) is driving without insurance, which considering her current difficulties reading the road, is far from ideal.

She might get a speed awareness course for one and 3 points and a fine for the second. This is up to the discretion of the force.

She is as likely to get 6 points and be back at the test centre though. Which might not be a bad thing.

The insurance issue should be worrying you a lot more.

AdrianC

Darth_Spud wrote: »

...my partner is a relatively new driver (under 1 year) and started a new job recently. She was unfamiliar with the route to work ... She thought the road was a 40.

I think you both know that the "unfamiliar with the route" bit is a lazy cop-out, don't you?


The speed awareness course will remind her of something she shouldn't have forgotten quite so soon after her driving lessons - how to tell instantly what the speed limit is...


Streetlights, no repeaters? 30.
No streetlights, no repeaters? NSL
NSL and one carriageway? 60
NSL and two carriageways? 70
Otherwise... repeaters.


If she is not offered a course for one of them, just a brace of FPNs, then - with a newly-minted licence - she's walking until she passes her test again.

Car_54

Arklight wrote: »

She is as likely to get 6 points and be back at the test centre though. Which might not be a bad thing.

Not so. If the offence was in England or Wales, the offer of a course is pretty well automatic.

chrisw

Arklight wrote: »

Most policies make the policy holder also being the registered keeper as one of the assumptions. It's usually the first assumption.

No they don't assume, they always ask the question and you have to answer truthfully. It doesn't usually make any difference.

The OP should double check it, but I had a very similar situation with a multi car policy. As long as all questions are answered truthfully and the named driver is also identified as the main driver on a particular vehicle, there shouldn't be an issue.

AnotherJoe

Jono987 wrote: »

She will get offered a course for the first one. As for the second one, are you sure it was her driving? It may have been you driving that day...and you will get offered a course as well.

A course on how to cope with a prison sentence if someone looks at the pics and seees who was really driving.

Darth_Spud wrote: »

Yes it was her driving on both occasions... its her car not mine, I just have her car on my Insurance Policy and her down as an additional driver. I'm sure I would have remembered driving her car near her work place since I've rarely driven her car and I've never driven near her work place. Was this an assumption that I was lying about the situation?

Oh my word it gets worse