hodge911 Posted June 3, 2021 Report Share Posted June 3, 2021 Hi all I'm a bit cheesed off . Got a letter through post today I got nabbed on sunday gone by a mobile camera van . It's got me at 35mph in a 30mph . Its a duel carriageway which I thought was a 40mph .. I've got a clean license that has been clean for over 30 years .. Does Anyone know the criteria for being offered the speed awareness course ? Or will I get the fine & points ?. Northumbria police Quote Link to comment Share on other sites More sharing options...
Rupert Posted June 3, 2021 Report Share Posted June 3, 2021 the excess needs to be low, no previous SAC in the last 3 years , looks pretty good for you to get the offer i think. Quote Link to comment Share on other sites More sharing options...
VicW Posted June 3, 2021 Report Share Posted June 3, 2021 In similar circumstances I got the offer of a speed awareness course. Take it, it's about £90 but you don't get points and many insurance companies don't take it into account for premiums but you should advise them at renewal time. It's a bit boring and you may be surprised how unaware some of your fellow attendees are. Vic. Quote Link to comment Share on other sites More sharing options...
Dougy Posted June 3, 2021 Report Share Posted June 3, 2021 Take the course, you will probably do it on line too so just a couple of hours if that. No points on your licence, but if your asked by insurance company i was advised not to tell porky's. Hint, make sure the battery is charged. Quote Link to comment Share on other sites More sharing options...
DUNKS Posted June 3, 2021 Report Share Posted June 3, 2021 Yep. As above ,i was a bit peeved but did the course, I was the only man there! Instructors were very good. Told us that you did not have to declare it to insurers and in fact they have no right to ask. Quote Link to comment Share on other sites More sharing options...
enfieldspares Posted June 3, 2021 Report Share Posted June 3, 2021 Errm...I worked for a listed motor insurers. Anything that may affect the insurer's risk MUST be declared. If you don't and you then do have an accident the insurer can cancel the policy and refund your premium then walk away. Truth is that 35mph in a 30mph zone as a one off conviction usually now won't affect the premium. Nor will the alternative of a speed awareness course. Failing to declare either may however, as said, void your cover. Quote Link to comment Share on other sites More sharing options...
Windswept Posted June 3, 2021 Report Share Posted June 3, 2021 22 minutes ago, enfieldspares said: Errm...I worked for a listed motor insurers. Anything that may affect the insurer's risk MUST be declared Do they not need to ask? If not you could witter on for ages about all sorts of things that might need to be declared. Quote Link to comment Share on other sites More sharing options...
Lloyd90 Posted June 3, 2021 Report Share Posted June 3, 2021 2 hours ago, enfieldspares said: Errm...I worked for a listed motor insurers. Anything that may affect the insurer's risk MUST be declared. If you don't and you then do have an accident the insurer can cancel the policy and refund your premium then walk away. Truth is that 35mph in a 30mph zone as a one off conviction usually now won't affect the premium. Nor will the alternative of a speed awareness course. Failing to declare either may however, as said, void your cover. Do you need to declare if you take 3 points? Do you need to declare it when you get the points or only at renewal time? Quote Link to comment Share on other sites More sharing options...
enfieldspares Posted June 4, 2021 Report Share Posted June 4, 2021 (edited) For most if not all policies a change to the risk must be notified it is as soon as possible after the event....penalty points....medical condition....change of address...change of occupation...change of how the vehicle is parked overnight....has occurred. The underlying doctrine is that of "uberrimae fidei" as explained below in Wikipedia: https://en.wikipedia.org/wiki/Uberrima_fides#:~:text=Uberrima fides (sometimes seen in,doctrine which governs insurance contracts. 5 hours ago, Lloyd90 said: Do you need to declare if you take 3 points? Do you need to declare it when you get the points or only at renewal time? 8 hours ago, Windswept said: Do they not need to ask? If not you could witter on for ages about all sorts of things that might need to be declared. No they will ask but if outside of renewal time unless you contact them and initiate the conversation then they won't know. If you look at your policy somewhere will be some sort of wording about having to notify the underwriter during the course of the policy being in force about "any change in material facts that may affect....blah, blah, blah". Edited June 4, 2021 by enfieldspares Quote Link to comment Share on other sites More sharing options...
Blackpowder Posted June 5, 2021 Report Share Posted June 5, 2021 I was c aught in Northumbria 4 years ago and had the option of taking the speed awareness course, which cost about the same as a fine, its worth doing no points on licence and no insurance increase. The course was in a hotel virtually on the Border and took the best part of a morning with a coffee break half way. Blackpowder Quote Link to comment Share on other sites More sharing options...
GingerCat Posted June 6, 2021 Report Share Posted June 6, 2021 35 in a 30 is highly unlikely to result in anything at all. 36 and you'd get a course or points if you choose those instead. Quote Link to comment Share on other sites More sharing options...
hodge911 Posted June 7, 2021 Author Report Share Posted June 7, 2021 Sent the letter back admitting it was me driving just awaiting their reply Quote Link to comment Share on other sites More sharing options...
Rewulf Posted June 7, 2021 Report Share Posted June 7, 2021 21 hours ago, GingerCat said: 35 in a 30 is highly unlikely to result in anything at all. Must depend on the force area, Ive seen people reported for 35 mph in a 30 on numerous occasions, and been 'pointed' or referred for speed awareness. Quote Link to comment Share on other sites More sharing options...
GingerCat Posted June 7, 2021 Report Share Posted June 7, 2021 I think the guidelines say 36 for enforcement however some places, North Wales being one, will get you at less. The law being quite clear on the matter but the guidelines are there for some discretion. Not really my bag so I may be wrong on the latest rules. Quote Link to comment Share on other sites More sharing options...
Lord O War Posted June 8, 2021 Report Share Posted June 8, 2021 On 03/06/2021 at 19:10, DUNKS said: Yep. As above ,i was a bit peeved but did the course, I was the only man there! Instructors were very good. Told us that you did not have to declare it to insurers and in fact they have no right to ask. I was told the same thing at mine, we are a naughty bunch.😅 Quote Link to comment Share on other sites More sharing options...
hodge911 Posted June 14, 2021 Author Report Share Posted June 14, 2021 Happy...ish days . Just got the letter offering the S.A.C so booked & paid (£89) it's online from 8.30am - 11.15am on 28th july Quote Link to comment Share on other sites More sharing options...
team tractor Posted June 15, 2021 Report Share Posted June 15, 2021 It’s only luck that most of us aren’t caught more. Quote Link to comment Share on other sites More sharing options...
hodge911 Posted June 16, 2021 Author Report Share Posted June 16, 2021 20 hours ago, team tractor said: It’s only luck that most of us aren’t caught more. Is " I was arguing with the Mrs " a defence ? Probably not but that's the reason . Not excessive 35mph in a 30mph area . ( funny enough just outside lord geordies house ) we were having a small domestic about the amount of stuff she keeps asking to be done in garden .... I'm sure its to keep me from enjoying myself with the guns ... lol... but she wasn't happy when I said it ... Quote Link to comment Share on other sites More sharing options...
team tractor Posted June 16, 2021 Report Share Posted June 16, 2021 22 minutes ago, hodge911 said: Is " I was arguing with the Mrs " a defence ? Probably not but that's the reason . Not excessive 35mph in a 30mph area . ( funny enough just outside lord geordies house ) we were having a small domestic about the amount of stuff she keeps asking to be done in garden .... I'm sure its to keep me from enjoying myself with the guns ... lol... but she wasn't happy when I said it ... She just wanted her bench slats 🤣🤣🤣 Quote Link to comment Share on other sites More sharing options...
hodge911 Posted June 16, 2021 Author Report Share Posted June 16, 2021 1 hour ago, team tractor said: She just wanted her bench slats 🤣🤣🤣 Collecting paint for the fence 8 flamin gallons of the stuff. She couldn't make her mind up on colour... hence the lapse of concentration Quote Link to comment Share on other sites More sharing options...
Mungler Posted June 16, 2021 Report Share Posted June 16, 2021 (edited) 23 hours ago, team tractor said: It’s only luck that most of us aren’t caught more. Believe 🙏 1 hour ago, hodge911 said: Collecting paint for the fence 8 flamin gallons of the stuff. She couldn't make her mind up on colour... hence the lapse of concentration Tell it to the Judge, buster 😆 Edited June 16, 2021 by Mungler Quote Link to comment Share on other sites More sharing options...
DeLaRue Posted July 3, 2021 Report Share Posted July 3, 2021 On 16/06/2021 at 18:08, hodge911 said: Is " I was arguing with the Mrs " a defence ? Probably not but that's the reason . Not excessive 35mph in a 30mph area . ( funny enough just outside lord geordies house ) we were having a small domestic about the amount of stuff she keeps asking to be done in garden .... I'm sure its to keep me from enjoying myself with the guns ... lol... but she wasn't happy when I said it ... Sorry but 35mph in a 30mph zone is excessive, look up the difference that 5mph at that speed makes if you were to hit someone mate........it's sobering to say the least. Quote Link to comment Share on other sites More sharing options...
ShootingEgg Posted July 5, 2021 Report Share Posted July 5, 2021 (edited) On 15/06/2021 at 21:40, team tractor said: It’s only luck that most of us aren’t caught more. You mean lack of cameras I got at 38 in 30, had come out a 40 and not slowed up, round the corner saw the van and hit the brakes. - images showed camera on me for 3 seconds, police mate said I could contest that they didn't have time to know my speed and we're just click and hope. But I was over and did the course, less hassle than trying to argue. Again also got told that insurer does not need to know as your license has not been scribbled on, so no change to circumstances etc 1 minute ago, ShootingEgg said: Edited July 5, 2021 by ShootingEgg Odd quote appeared Quote Link to comment Share on other sites More sharing options...
Vince Green Posted July 6, 2021 Report Share Posted July 6, 2021 On 04/06/2021 at 00:22, Lloyd90 said: Do you need to declare if you take 3 points? Do you need to declare it when you get the points or only at renewal time? You are supposed to inform your insurance company as soon as you get the points, I doubt if many people do Quote Link to comment Share on other sites More sharing options...
Lloyd90 Posted July 6, 2021 Report Share Posted July 6, 2021 5 hours ago, Vince Green said: You are supposed to inform your insurance company as soon as you get the points, I doubt if many people do Do you get in trouble for that then? Uh oh ... Quote Link to comment Share on other sites More sharing options...
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