Students taking your points off your hands
Discussion
I was discussing this with a friend and he said he was thinking of auctioning off his points on Ebay as he doesn't drive at university. I told him it's going to be really bad for his insurance when he wants to drive.
My questions are:
Is this legal?
When his points are cleaned off his licence after the time period, does he have to declare his previous points to the insurance company?
Appreciate any replies
Thank Gary
My questions are:
Is this legal?
When his points are cleaned off his licence after the time period, does he have to declare his previous points to the insurance company?
Appreciate any replies
Thank Gary
Sounds like a top idea to me 
How many families 'share' the points they get especialy if one of them is sitting on 9 points
I've always wondered about how hard/expensive it would be to set up a 2nd identity to give any points to? Alright it nots exactly legal, but neither is driving with no tax insurance or licence but thats a much lesser offence than 33 in 30
So big question is how much would 3 points be worth?
How many families 'share' the points they get especialy if one of them is sitting on 9 points
I've always wondered about how hard/expensive it would be to set up a 2nd identity to give any points to? Alright it nots exactly legal, but neither is driving with no tax insurance or licence but thats a much lesser offence than 33 in 30
So big question is how much would 3 points be worth?
Ebay???? Whats wrong with PH?????
Will grab less unwelcomed attention and can be done by private email avoiding any publicity.
With regard to the 'ethics' lets face it, if you use the arguement of '2 people in a car, can't remember who was driving', they still pursue a conviction regardless of who was ethically or morally the actual driver at the time!!!!!
Only a few manage this one in court and get away with it so there must be hundreds wrongly convicted because they couldn't remember and didn't know how to challenge!!!
Do they care if it's the right one convicted??? do they
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Going to send you a private email should I ever know 'someone' who may needs 'somebodys' assistance.
Regrards Chaps
Skid
Will grab less unwelcomed attention and can be done by private email avoiding any publicity.
With regard to the 'ethics' lets face it, if you use the arguement of '2 people in a car, can't remember who was driving', they still pursue a conviction regardless of who was ethically or morally the actual driver at the time!!!!!
Only a few manage this one in court and get away with it so there must be hundreds wrongly convicted because they couldn't remember and didn't know how to challenge!!!
Do they care if it's the right one convicted??? do they
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Going to send you a private email should I ever know 'someone' who may needs 'somebodys' assistance.
Regrards Chaps
Skid
Sounds like a great idea, but to do it "legally", I think that the "student driver" would have to be covered by their own existing insurance (ie - normally means they'd have their own fully comp insurance, and over 24, so would be legally entitled to drive anyone's car).
Ebay sounds cheeky but good.
Please let us know how he / you get on !
Joel
Ebay sounds cheeky but good.
Please let us know how he / you get on !
Joel
My thinking on a suitable price:
3 points adds about 10% weighting to insurance
6 points about 25%
I'd say that the average user of this service will already have points, or may even be on the verge of a ban, so I'd say a 25% weighting of insurance premiums for 5 years. On a typical premium of £500 (I wish), this comes to £625. Discounted using the standard interest rate of 3.75%, this has a net present value of £560.
A service charge of £100 seems fair, given the legal risk.
Overall that comes to £660 for the service. Seems like a lot of money for the sake of (an extra) 3 points - but there's some justification behind that figure.
3 points adds about 10% weighting to insurance
6 points about 25%
I'd say that the average user of this service will already have points, or may even be on the verge of a ban, so I'd say a 25% weighting of insurance premiums for 5 years. On a typical premium of £500 (I wish), this comes to £625. Discounted using the standard interest rate of 3.75%, this has a net present value of £560.
A service charge of £100 seems fair, given the legal risk.
Overall that comes to £660 for the service. Seems like a lot of money for the sake of (an extra) 3 points - but there's some justification behind that figure.
I know of a case which went to court. Mum lied for her 17 year old son, who already had 3 points and would have gone back to L plates with 6. At the end of the day, son got his points and an attendance centre, and Mum got 3 months HMP.
You'd have to be mad.
In case you were wondering - it was a Truvelo camera, suffice to say, Mum and son were easily distinguishable!
You'd have to be mad.
In case you were wondering - it was a Truvelo camera, suffice to say, Mum and son were easily distinguishable!
So what you are saying xxplod is that the 'law' says a (stupid) mum who lied to protect her (very stupid) son is a nastier criminal that the person who has just broken into your house and stolen all your stuff.
OK then, thanks for clearing that up for us.
Ace-T
PS not a dig at you xxplod just the ass that is the law.
OK then, thanks for clearing that up for us.
Ace-T
PS not a dig at you xxplod just the ass that is the law.
xxplod said:
I know of a case which went to court. Mum lied for her 17 year old son, who already had 3 points and would have gone back to L plates with 6. At the end of the day, son got his points and an attendance centre, and Mum got 3 months HMP.
You'd have to be mad.
In case you were wondering - it was a Truvelo camera, suffice to say, Mum and son were easily distinguishable!
Legendary stupidity!
Marvellous
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