Uninsured speeding

ontheroad1970

It's vanishingly unlikely that they will check insurance.  That's something that would happen if you named a driver from abroad.  

DiddyDavies

williamgriffin said:

The car isn't really relevant crash into a brand new Bentley in a Fiat 500 or a Ferrari with third party cover and the damage costs would be the same. 

Considering that a Fiat 500 could weigh as little as 500kg compared to a Ferrari which would be at least two and a half times this weight, science says that the Ferrari would have far more kenetic energy when moving and as this energy gets transferred to whatever it hits, the chances are that a far heavier vehicle would cause far more damage to whatever it hit.

Herzlos

Don't worry about it - fill in the form and then go make sure you've got appropriate insurance (it sounds like you live with her and so the drive other cars cover wouldn't apply).

macman

Pezperry12 said:

It was a 30 and I was doing 35

So that should put you within the limit for an SAC.

Car_54

williamgriffin said:

daveyjp said:

As car_54 states if its from a fixed speed camera managed by the local Casualty Prevention Partnership insurance won't be checked, that's not their role.

Fill in the form, sit tight and wait for your letter.  You may get a speed awareness course offer which diesn't attract points.

You are aware that for those partnerships to work there is at least one police officer working alongside them so there's every chance insurances are checked?

Are you saying every single one is checked?

If not, why would the OP's be singled out from thousands of others?

DiddyDavies

Herzlos said:

Don't worry about it - fill in the form and then go make sure you've got appropriate insurance (it sounds like you live with her and so the drive other cars cover wouldn't apply).

I've never had that exclusion on my car policies that have had cover for other vehicles.
This is the one I currently have (Post Office insurance)
Certificate wording

Mr XXXXX XXXXX may also drive with the owners permission a motor car that is not owned by or registered to, or hired, rented or leased to, them, their business partner or their employer, or is being kept or used in connection with their or their employer's business.

Policy wording

Driving other cars extension 

The cover under this section of the policy is extended to the specific driver noted in the Certificate of Motor Insurance as having the benefit of this extension when driving other cars not owned by, or registered to, or hired, rented or leased to the specific driver, their business partner or their employer, or is being kept or used in connection with their employer's business. 

This extended cover only applies if: This extension is shown on your Certificate of Motor Insurance; and There is no other insurance in force that covers the same claim ; 

and There is a current and valid Certificate of Motor Insurance held for the other car in accordance with Road Traffic Acts; 

and The other car has not been seized by, or on behalf of, any government or public authority; and The driver has the owner's permission to drive the other car; 

and The other car is registered within the territorial limits; and The other car is not being used outside the territorial limits; and You still have the car and it has not been stolen and not recovered; or damaged beyond cost effective repair.

williamgriffin

Car_54 said:

williamgriffin said:

daveyjp said:

As car_54 states if its from a fixed speed camera managed by the local Casualty Prevention Partnership insurance won't be checked, that's not their role.

Fill in the form, sit tight and wait for your letter.  You may get a speed awareness course offer which diesn't attract points.

You are aware that for those partnerships to work there is at least one police officer working alongside them so there's every chance insurances are checked?

Are you saying every single one is checked?

If not, why would the OP's be singled out from thousands of others?

I can't see any reason why they wouldn't print the insurance page when they check for the registered keeper on the PNC.

Car_54

williamgriffin said:

Car_54 said:

williamgriffin said:

daveyjp said:

As car_54 states if its from a fixed speed camera managed by the local Casualty Prevention Partnership insurance won't be checked, that's not their role.

Fill in the form, sit tight and wait for your letter.  You may get a speed awareness course offer which diesn't attract points.

You are aware that for those partnerships to work there is at least one police officer working alongside them so there's every chance insurances are checked?

Are you saying every single one is checked?

If not, why would the OP's be singled out from thousands of others?

I can't see any reason why they wouldn't print the insurance page when they check for the registered keeper on the PNC.

Well, at that stage they don't know who was driving. They'd certainly spot a car that's not insured at all, but the DVLA already do that.

If the RK named another driver, they'd have to ask him to prove he was insured, and that simply doesn't happen.

Anyway, why do you suppose there's a human involved in the process?

williamgriffin

Car_54 said:

williamgriffin said:

Car_54 said:

williamgriffin said:

daveyjp said:

As car_54 states if its from a fixed speed camera managed by the local Casualty Prevention Partnership insurance won't be checked, that's not their role.

Fill in the form, sit tight and wait for your letter.  You may get a speed awareness course offer which diesn't attract points.

You are aware that for those partnerships to work there is at least one police officer working alongside them so there's every chance insurances are checked?

Are you saying every single one is checked?

If not, why would the OP's be singled out from thousands of others?

I can't see any reason why they wouldn't print the insurance page when they check for the registered keeper on the PNC.

Well, at that stage they don't know who was driving. They'd certainly spot a car that's not insured at all, but the DVLA already do that.

If the RK named another driver, they'd have to ask him to prove he was insured, and that simply doesn't happen.

Anyway, why do you suppose there's a human involved in the process?

You seem to have some inside knowledge of the workings of the speed camera partnerships so who am I to argue?

eamon

I'd be astonished if the OP's lack of insurance gets noticed. Its an easy £100 for the "Treasury's consolidated fund, which is a bit of jargon that really means the Government's own bank account". On the other hand had he been pulled over by regular police they may have got around to checking his insurance status.