63 in a 50, Speed Awarness Course?
- Thread starter Frozennova
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Coincidence =! Ironic
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58 in a 50 got me on the course.
Considering your clean license, my advice is to take the 3 points. You won't get those 5 hours back and it costs pretty much the same, and having an sp30 on your license for 3 years is not a big deal.
Also whose to say that in 2 years time the insurance industry won't get access to the speed awareness course database and expose you for not disclosing to your insurer.
Considering your clean license, my advice is to take the 3 points. You won't get those 5 hours back and it costs pretty much the same, and having an sp30 on your license for 3 years is not a big deal.
Also whose to say that in 2 years time the insurance industry won't get access to the speed awareness course database and expose you for not disclosing to your insurer.
Yes but the same can be said of all sorts of questions they ask you.
My question to you is, are you prepared to risk having your insurance cancelled through intentionally lying to the insurance company? If so, why stop there, why not drive without insurance - or tell them you drive a 316d instead of an M3, or only travel 6k a year when actually you do 25k? The list goes on.
I'm sure they can find out about the course now I seen something about it changing a few months back. U know what money grabbers the insurance companies are and they didn't like all these people doing the speed aware course and avoiding a 1/3 price hike that 3 points offers so they get everyone with the extra policy charge now weather it's the course or 3 points. I'm sure I seem something in the papers or on another car forum about a guy who's insurance contacted him and put his policy up after attending the course.
speedos always over-read unless you've been messing around with wheels + tyres.
Most of the things you cite would get found out if you had to make a claim though, i.e. if you have no insurance then you can't make a claim, if you try to get an M3 repaired instead of a 316d under insurance it would get rejected etc. Mileage you might get away with but doesn't impact on premium much anyway (from what I've seen) so barely worth it relative to the type of gains being discussed in this thread from avoiding the 3pts.
Which they should not be asking. A speed awarness course is not a prosecution. About as relevent (in law) as asking what I eat for breakfast, or asking if you have ever been pulled by the police. Tell em to get lost.
As has been said before, not sure it was here, there is little point asking the question as insurers. The way it goes;
first offence - awareness course
second offence - 3 points
third offence - 6 point......
More insurers used to waive the first offence anyway so by virtue of the current system the first real prosecution is a second offence as it used to stand.
Churchill are carp anyway go elsewhere.
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Job description, address, fronting, plenty of other things that have large impacts on premiums that they're unlikely to find out.
The insurer is entitled to ask whatever questions they choose. If they ask, you are required to provide the correct answer. If you deliberately do not, it is insurance fraud. If they do not ask, you do not have to tell them.
It's as simple as that.
Soldato
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No.
ACPO Guidelines state various speeds you can 'get away with' but they are are guideline for the force and only applicable to forces that have signed up to the guidelines and even then it's still up to the discretion of the officer / force anyway.
They are entitled to book you for 31 in a 30 if they feel like it, but obviously most officers wouldn't bother doing that.