Help me not to tell DP it's his own stupid fault

[Kingfisherfly]

And offer words of encouragement.

First I'll say I don't have a perfect driving record and have points on my licemce, from doing 27 in a 20 limit without realising it wasn't 30.

DP has done similar, although this time it was 72 in a 50 (not 70) limit. He was pulled over by a police officer on a motorbike, who he felt enjoyed his job a little too much, and is incensed that he was only going at the speed of the traffic, why him etc (yes, I know I'm taking that with a pinch of salt).

Beyond that he's worried about what it will mean re points and/or a ban, mainly because of how it will affect work.

He wasn't given any paperwork at the time, and hasn't received any yet. At what point does he tell his insurance company?

And what will likely happen next?

Once he pays the fine and the points are applied. His premium may increase but mine stayed the same. He may have the option to do a speed awareness course - I believe some insurers (only about 3) require you to declare it anyway which takes the piss out of the whole system. With a speed awareness course you pay roughly what you would for the fine (about £100) but don’t incur the points. That would mean a day off work thought.

He’ll probably hear from them in the next couple of weeks - I think you have a month to respond.

I think his speed was too high for it to only be 3 points or a speed awareness course?

And I think the fine will be more than £100.

I’d be very surprised if he is offered the speed awareness course at that speed. 22mph over is usually a Band B, sometimes Band C so could get lucky and just get fixed £100 penalty and 3 points, although this isn’t likely with this speed.

Most likely to be court summons and so in court fine of 100% weekly income & 4-6 points. Driving ban not impossible, especially if this tipped him towards or over 12 points. You then also have court costs to pay on top.

At 72 in a 50 zone I’d be expecting a court summons op. The outcome will depend on the judge. At the very least he will definitely need to do a speed awareness course

Doubt he’d get speed awareness course being that far over the limit tbh. Good luck tho and I hope the premium doesn’t go up too much… when my husband did similar it made very little difference over the year

His insurance is due tomorrow. Does he just renew for now and tell them once he knows the outcome? He's got nothing to tell them atm?

This I am afraid

Court summons 72 in a 50 zone is stupid. Won’t be a speed awareness course not that speed.

What would he tell them?

He's got 3 points from 2 years ago.

Doing 72 in a 50 is a severe speeding offence which means he won’t qualify for a fixed penalty notice or speeding course.

He’ll likely get a band B fine, which is 100% of his monthly income and he could get minimum 4 points or maximum 6 points on his licence OR potentially be disqualified for a minimum of 7 or maximum of 28 days.

As it stands nothing to tell them

next year though he will have to tell them and… brace yourself

He needs to tell them but tell them he’s waiting on the outcome. Shouldn’t worry to much unless he already has points!

That's my point, I don't think he can. He wonders if he should tell them he's got something pending?

You don’t need to tell that you were pulled over by the police

next year he will have to tell them and…. Well as I say op, brace yourself.

does the have any points or driving convictions in the last 5 years?

Won't he have to tell them once the conviction comes through, rather than wait until next year?

Yes he has 3 points with c.2 years remaining

yes you have to tell them immediately once your issued points.

As it stands - he’s been pulled over.

Which you don’t need report
by all means tell them, but it won’t impact anything

next year… he will be walloped

Interesting because he's SE with a very fluctuating income. Will they use his tax returns to calculate his income?

He will be a very lucky man not to recieve a short ban.

Maybe he will need to get rid of his boy racer car!

It would depend on the wording on the renewal.
(As far as I remember) on asking for quotes on new insurance, and the need to notify would be for points, fines and potentially courses attended.

In that case it wouldn’t be the time now to self report
But he should bear in mind the potential increase to follow

When it occurs he may or may not get an increase and may or may not affect the next renewal