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?

What’s your experience with this @FlorenceBlack ?

He has to declare his income on a statuory declaration 9SJP form which he'll be sent and/or along with court summons). So he can average his monthly salary out if it fluctuates, but he has to be fairly accurate and honest with it because if he's found to be fudging the numbers and lying to the court, that brings its own penalty.

It’s not doom and gloom just practical advice I’ve had an accident that wasn’t my fault and pending convictions was one of the things they check
a lot of insurance companies just want to cherry pick and minimise risk
so anyone with a conviction for severe speeding or they won’t touch
and he’ll more than likely have a total of 9 points
a lot depends on what they actually charge him with just speeding or undue care and attention

He won’t get a speed awareness course given how much over the limit he was driving.

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).

That annoys the shit out of me! "I only got stopped because the nasty police officer was doing his job"

Tbf Op you started the thread clearly concerned and pissed off with him.

If we haven’t offered the reassurance you wanted, then it doesn’t mean that we are in the wrong.

Ultimately he was speeding fairly recent and got 3 points. And now smashed through a speed limit (and had the audacity to think the police was some kind of jobsworth). He is self employed so one would think his license would be something he’d be rather protective over.

anyway… it sounds like you and him are entirely independent of one another and you won’t be the least bit impacted by potentially his earnings being reduced and a ban, nor would you be impacted in any way if he escaped a ban but inevitably his premiums will be eye watering. So…. Just be a supper I guess, knowing that either way doesn’t impact you

I was anonoyed until I realised that ultimately this speeding tool is the only one who’s going to suffer. Not the police who’s probably completely forgotten about him already

That annoys the shit out of me! "I only got stopped because the nasty police officer was doing his job"

Quite. Speeding is not a victimless crime and the more police clamp down on it the safer we all are ... our children included.

@Kingfisherfly I did similar about 8 years ago and went to court. I was totally in the wrong so I didn't bother with excuses, I was contrite and I did buy a crappier car as a result too. I got about £150 fine and 6 points.

I think it's terrible that his concern with points is that he will feel the threat of a ban hanging over him in the event he speeds again.

Wild idea but just, don't speed??? It's not that hard. Loads of us manage it.

I have a friend who's partner has 14 points on his license and is still allowed to drive (work and family reasons meant he didn't lose his license) and is still insured so it's not impossible to get insurance.

Also 2 friends I know have been caught doing 110 in 70 zones and also didn't lose their licenses or have issues with insurance, just got nice big fines and points.

I got caught going over 30mph approaching a 40mph stretch in a rural location - accelerated a little too soon.
It was lockdown, I'd had a GP appointment mid morning, there was no one on the road...apart from the police car in a lay by catching people leaving the 30 zone.
I admit that I did think "FFS, go and get some real criminals" but absolutely accept I was wrong and was not the bore in the speed awareness course claiming they shouldn't really be there.

For all those saying tell them next year then you clearly haven't got a clue of law. If or when he gets prosecuted and more points you need to tell the insurance asap or you will get a massive fine and very likely not be able to get car insurance again as it's fraud, breaking the law, and you get put onto a database that all other insurances have access to for your history of being a good or bad customer

It's a human response. If we all learnt to abide by the rules and laws just because of our conscience then we wouldn't need the deterrents/punishments.

Not all insurances insist you tell them about convictions during the term of your insurance - check with your policy. Obviously with a new policy and renewal, but many renewals ask "have you had such and such since your last renewal". If you had to tell them at the time of the conviction that would be a moot question.

My husband got a choice of paying a fine plus 6 points or going to court. He paid the fine and took the points.

OP, why do you not want to tell your DP it was his own stupid fault, when clearly it was?

Oh calm down. It won’t be DDCA.

A measured 72 is probably an indicated 78. In a 50. Is he blind? The police officer should enjoy the fact that he's done his job correctly

Why do you want to know?

Curious I guess. Sort of advice I’d imagine coming from someone who either watches a lot of crime tv dramas or fair bit of RL experience

Although given the op has said she will be in no way impacted at all in any sense… surely the op doesn’t need to say anything at all!

That's interesting to know, I never knew fines were linked to income.

Are you absolutely sure about that?

Because he knows that, doesn't need telling. What would it add. I've told him the popice officer was just doing his job and that the way to avoid this trauma is to drive within the speedlimit, also that the time to worry about losing his licence was when he was driving so fast, but that's done now. There's no point me ranting at him. We're supposed to enhance each other's lives