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

181 replies

Kingfisherfly · 23/06/2026 18:04

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?

OP posts:
Aninkling · 23/06/2026 18:25

Kingfisherfly · 23/06/2026 18:22

Yes he has 3 points with c.2 years remaining

Oh shit
there is a very real likelihood then he will receive a ban for 6 months

this wasn’t just mild speeding . This was very reckless

quite possible could be driving without due diligence and attention

Aninkling · 23/06/2026 18:26

Accumulating 12 or more penalty points within three years—known as "totting up"—usually results in an automatic minimum 6-month driving disqualification. You will be summoned to a Magistrates' Court where the ban is typically imposed,

Kingfisherfly · 23/06/2026 18:27

Larrythecatforpm · 23/06/2026 18:24

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

I think he'll be happier to get a short ban than points. He'd manage without a car for a while. He's worried about having a ban hanging over him if he's got say 9 points. I.e. one more offence would mean a ban.

OP posts:

Interested in this thread?

Then you might like threads about this subject:

Kingfisherfly · 23/06/2026 18:27

Aninkling · 23/06/2026 18:26

Accumulating 12 or more penalty points within three years—known as "totting up"—usually results in an automatic minimum 6-month driving disqualification. You will be summoned to a Magistrates' Court where the ban is typically imposed,

3 + 6 is 9?

OP posts:
Aninkling · 23/06/2026 18:28

Kingfisherfly · 23/06/2026 18:27

I think he'll be happier to get a short ban than points. He'd manage without a car for a while. He's worried about having a ban hanging over him if he's got say 9 points. I.e. one more offence would mean a ban.

No you have misunderstood

he will get the points
which will mean he reaches the threshold for a ban AS WELL

plus he will have to declare for years ahead that he received a ban
might as well hire a private plane

Larrythecatforpm · 23/06/2026 18:29

Kingfisherfly · 23/06/2026 18:27

I think he'll be happier to get a short ban than points. He'd manage without a car for a while. He's worried about having a ban hanging over him if he's got say 9 points. I.e. one more offence would mean a ban.

You still get the points as well as a ban.

TonyChestnut · 23/06/2026 18:32

If he receives a summons to the magistrates court - and he hasn't yet - he should expect a Band B fine which is 100% of week's net income (not a month) with a 1/3 reduction if he pleads guilty at the first appearance. They will ask him what he earns and he should tell them his average take home pay. Courts don't have the resources to check peoples tax returns!

I would anticipate 5 points (but it could be 6) and he will still have a little wiggle room before becoming a totter.

When he receives the points, not before, he should contact his insurance company. It might have no impact on his premium.

He cannot choose to take a short ban instead of points - that's not how it works.

Aninkling · 23/06/2026 18:35

TonyChestnut · 23/06/2026 18:32

If he receives a summons to the magistrates court - and he hasn't yet - he should expect a Band B fine which is 100% of week's net income (not a month) with a 1/3 reduction if he pleads guilty at the first appearance. They will ask him what he earns and he should tell them his average take home pay. Courts don't have the resources to check peoples tax returns!

I would anticipate 5 points (but it could be 6) and he will still have a little wiggle room before becoming a totter.

When he receives the points, not before, he should contact his insurance company. It might have no impact on his premium.

He cannot choose to take a short ban instead of points - that's not how it works.

He got 3 points less than 2 years ago

He didn’t just go higher than the limit he SMASHED it.

I think he will be very lucky not to get 9 points which would mean 6 month ban

AndWorseAFemale · 23/06/2026 18:38

Kingfisherfly · 23/06/2026 18:18

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?

Has he not already dealt with the renewal?

Insurers ask if there's anything else that you know about that is likely to affect if you would get insurance. I think he's screwed for insurance at the mo to be honest, I don't think any decent insurer would offer him insurance until they know what's what, and if he witholds the information (that he's just been caught speeding and is awaiting further information) his insurance will be invalid.

TonyChestnut · 23/06/2026 18:38

There is no way he will get 9 points for 72 in a 50. The sentencing guidelines are public - https://sentencingcouncil.org.uk/guidelines/speeding-revised-2017/?source=7510

Speeding (Revised 2017)

https://sentencingcouncil.org.uk/guidelines/speeding-revised-2017?source=7510

Aninkling · 23/06/2026 18:42

TonyChestnut · 23/06/2026 18:38

There is no way he will get 9 points for 72 in a 50. The sentencing guidelines are public - https://sentencingcouncil.org.uk/guidelines/speeding-revised-2017/?source=7510

On the back of 3 points for speeding not even 2 years ago

Aninkling · 23/06/2026 18:43

TonyChestnut · 23/06/2026 18:38

There is no way he will get 9 points for 72 in a 50. The sentencing guidelines are public - https://sentencingcouncil.org.uk/guidelines/speeding-revised-2017/?source=7510

Yes

but that doesn’t reflect of the person already has a live speed conviction that resulted in 3 points

added to which, it is explicit that those punishments are the starting point

Sensiblesal · 23/06/2026 18:48

@Aninkling & @AndWorseAFemale both of you are just making stuff up which is not helpful to the OP.

The sentencing guideline is 4-6 points, they can’t just give him 9 cos they feel like it ffs😂

and worse a female, its a potential speeding conviction. Depending on the wording, he may need to tell them but most likely they will say we can’t do anything till you know the conviction/points/fine, literally because they won’t have anything to input onto their system such as the conviction code, fine, points which they will use for rating. He does need to tell them once he knows

Duvetdayforme · 23/06/2026 18:49

He will probably get a ban and a fine.

HortiGal · 23/06/2026 18:53

Band B can be up to 6 points or a short ban and also a fine up to £2500, his argument of he was going at the traffic speed is arrogant and stupid, he should be embarrassed not trying to badmouth the police officer.

Ophy83 · 23/06/2026 18:58

What sort of road was it? DH didn't realise he was in a 50 zone on a motorway. There was no other traffic around (5 a.m.) and he just had to do a speed awareness course. On a smaller road that speed is much more serious

Aninkling · 23/06/2026 18:59

HortiGal · 23/06/2026 18:53

Band B can be up to 6 points or a short ban and also a fine up to £2500, his argument of he was going at the traffic speed is arrogant and stupid, he should be embarrassed not trying to badmouth the police officer.

I would imagine this isnt the first time he’ll have bad mouthed police

Aninkling · 23/06/2026 19:00

Sensiblesal · 23/06/2026 18:48

@Aninkling & @AndWorseAFemale both of you are just making stuff up which is not helpful to the OP.

The sentencing guideline is 4-6 points, they can’t just give him 9 cos they feel like it ffs😂

and worse a female, its a potential speeding conviction. Depending on the wording, he may need to tell them but most likely they will say we can’t do anything till you know the conviction/points/fine, literally because they won’t have anything to input onto their system such as the conviction code, fine, points which they will use for rating. He does need to tell them once he knows

Edited

Those guidelines are a “starting point” irrespective of any past convictions

he has a live conviction

Electricsausages · 23/06/2026 19:28

is he on your insurance?
if so you will have to tell them as well and your premium will probably go up as well next time

RudolphTheReindeer · 23/06/2026 19:31

Well since you can only do 70 on a dual carriageway/motorway it's not like he made a mistake. I would tell him it's his own stupid fault

Kingfisherfly · 23/06/2026 21:12

RudolphTheReindeer · 23/06/2026 19:31

Well since you can only do 70 on a dual carriageway/motorway it's not like he made a mistake. I would tell him it's his own stupid fault

It was a dual carriageway, with a 50 limit.

He knows it's his own stupid fault, what does havimg someone who's supposed to love him piling on improve anything about the situation?

OP posts:
TonyChestnut · 23/06/2026 21:31

Aninkling · 23/06/2026 19:00

Those guidelines are a “starting point” irrespective of any past convictions

he has a live conviction

The guidelines aren't a starting point (although in exceptional circumstances magistrates will go outside them). The starting point, in this example, is 4 points and because his speed was towards the higher end of that range he might expect 5 or even 6 points.

On a separate matter, if the police do decide to pursue this, they have 14 days to contact you.

Aninkling · 24/06/2026 06:10

Kingfisherfly · 23/06/2026 21:12

It was a dual carriageway, with a 50 limit.

He knows it's his own stupid fault, what does havimg someone who's supposed to love him piling on improve anything about the situation?

You’re going to be seriously impacted by this if he gets or ban

and if he doesn’t - then his premiums given he has two offences within 5 years and all those points will be eye watering.

Aninkling · 24/06/2026 06:12

TonyChestnut · 23/06/2026 21:31

The guidelines aren't a starting point (although in exceptional circumstances magistrates will go outside them). The starting point, in this example, is 4 points and because his speed was towards the higher end of that range he might expect 5 or even 6 points.

On a separate matter, if the police do decide to pursue this, they have 14 days to contact you.

It explicitly states on the link you posted that they are a starting point and do not factor in past convictions

Help me not to tell DP it's his own stupid fault
RunningJo · 24/06/2026 06:20

Don’t need to yell your insurance now as there is nothing yet to tell.
As and when he gets points, that’s when he tells them. They’ll ask how many points, and also what fine was, or at least they did a friend of mine. My friend was doing similar to your husband, it cost her £500 (which was a fine and court costs or something like that) and I think it was 4 or 5 points. She wasn’t offered a speed awareness course.
From memory, her insurance didn’t really increase much at all.