31 in 20 - SAC and Insurance?
Discussion
"My mate" got caught speeding in Bristol. 31mph in 20mph zone. No excuses. It is quite a weird 20 zone, but after all the majority of Bristol is down to 20.
https://www.google.co.uk/maps/place/Ladies+Mile,+B...
Insurer is currently part of the Admiral group. As far as I'm aware, you have to declare SACs to them. However I can't see any information on their website. Three questions:
1) Will a SAC definitely be offered for 31 in a 20?
2) Do Admiral still ask about SACs?
3) What price hike can be expected for a SAC over taking 3points and a fine?
Thanks
https://www.google.co.uk/maps/place/Ladies+Mile,+B...
Insurer is currently part of the Admiral group. As far as I'm aware, you have to declare SACs to them. However I can't see any information on their website. Three questions:
1) Will a SAC definitely be offered for 31 in a 20?
2) Do Admiral still ask about SACs?
3) What price hike can be expected for a SAC over taking 3points and a fine?
Thanks
rigga said:
As far as I'm aware there is no data base of anyone taking a SAC, and therefore no obligation to notify, as how would they no otherwise, willing to be corrected though as I "might" be attending one in the future.
There is something called the "national scheme" whereby one can only attend a SAC once every three years no matter where one is caught in England (& Wales? Scotland don't have SACs and I'm not sure about NI).In essence, if one does a SAC in (for example) Cheshire then one can't do another one for three years in Cheshire or any other police force in the "national scheme" - the only police force outside the "national scheme" was Wiltshire (I am not sure if it currently is, but it was until recently), so if one got caught and was eligible for an SAC there one could attend even if one had already attended an SAC elsewhere in the last 3 years (so 2 bites at the SAC cherry).
So there is definitely a database of SAC attendees
- though whether the Admiral group have access I cannot say (I would hope not...).I've been on a speed awareness course and a driver's awareness course (classed as two different types of course). At the beginning of both courses, the guys presenting them advised us that although there is a record of our attendance, the insurance companies do not have access to this record and if we didn't tell them, they could never find out. We were advised to jot down the course reference number on our handbooks in case this database went down and there was no evidence of us attending.
Does anyone take the courses seriously, I thought they were just an alternative to taking the points, I certainly wouldn't be interested in anything some ex-cop had to say about keeping under 30. How pointless. If they were serious about safety, the courses would be available for ANY speeders to take, especially as the most unsafe ones are presumably those way over the limit, not those within a few mph unlucky enough to get caught by some retired rat in a camera van
daytona355 said:
Does anyone take the courses seriously, I thought they were just an alternative to taking the points, I certainly wouldn't be interested in anything some ex-cop had to say about keeping under 30. How pointless. If they were serious about safety, the courses would be available for ANY speeders to take, especially as the most unsafe ones are presumably those way over the limit, not those within a few mph unlucky enough to get caught by some retired rat in a camera van
Thousands of people take them seriously and get a lot out of them. I know quite a few people who have been on them and the reaction is overwhelmingly positive. PH is probably not a representative sample as it's biased towards f
king arrogant pricks who think because they're interested in cars and driving, they've got nothing to learn.I suspect what one gets out of the course is largely dependent on the attitude they go in with.
TwigtheWonderkid said:
daytona355 said:
Does anyone take the courses seriously, I thought they were just an alternative to taking the points, I certainly wouldn't be interested in anything some ex-cop had to say about keeping under 30. How pointless. If they were serious about safety, the courses would be available for ANY speeders to take, especially as the most unsafe ones are presumably those way over the limit, not those within a few mph unlucky enough to get caught by some retired rat in a camera van
Thousands of people take them seriously and get a lot out of them. I know quite a few people who have been on them and the reaction is overwhelmingly positive. PH is probably not a representative sample as it's biased towards fking arrogant pricks who think because they're interested in cars and driving, they've got nothing to learn.I suspect what one gets out of the course is largely dependent on the attitude they go in with.
My mate never exceeds the speed limit otherwise. To be honest, the majority of the time he'll follow the 20mph limit, but as has been pointed out, the particular road he was on does not in any way warrant a 20mph zone. I've driven it myself, and it's actually surprisingly hard to keep below 25 without cruise control. A few times, I've been overtaken...
TwigtheWonderkid said:
daytona355 said:
Does anyone take the courses seriously, I thought they were just an alternative to taking the points, I certainly wouldn't be interested in anything some ex-cop had to say about keeping under 30. How pointless. If they were serious about safety, the courses would be available for ANY speeders to take, especially as the most unsafe ones are presumably those way over the limit, not those within a few mph unlucky enough to get caught by some retired rat in a camera van
Thousands of people take them seriously and get a lot out of them. I know quite a few people who have been on them and the reaction is overwhelmingly positive. PH is probably not a representative sample as it's biased towards fking arrogant pricks who think because they're interested in cars and driving, they've got nothing to learn.I suspect what one gets out of the course is largely dependent on the attitude they go in with.
The only thing I learnt is everyone else in the room except the instructor seemed to have absolutely no interest in cars/bikes and many had no idea how to use motorways or why tailgating was bad let alone any 'advanced concepts'
So the course is total tosh, unless you have no interest in cars/driving at all...... Fair enough, it's just a route to use to negate 3 points. I'll try my best to keep my licence clean and avoid the long arm and empty pockets of the law then soi don't have to go on one, I doubt they would enjoy me sitting there criticising all day
daytona355 said:
So the course is total tosh, unless you have no interest in cars/driving at all...... Fair enough, it's just a route to use to negate 3 points. I'll try my best to keep my licence clean and avoid the long arm and empty pockets of the law then soi don't have to go on one, I doubt they would enjoy me sitting there criticising all day
Actually they wouldn't need to endure your drivel as you would be swiftly removed and have to take the points.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff