NIP arrived in the post...

[8bit]

Not looking for sympathy or trying to get out of it - totally my own fault after all. Got caught by a camera van doing 71mph in a 60. Never had such a thing before, I have 28 days to complete and return the form admitting I was driving at the time but what happens thereafter? I'm guessing 3 points and £100 or something like that? I'm in Scotland so no chance for a speed awareness course option but is there any chance that they'll just issue a caution or something as it's my first offence and I've thus far never been known to the police?

Also, regards insurance - if I do end up with points on my licence, I take it I need to inform them immediately rather than wait until renewal time?

[_Hoppers]

I'd inform insurance company. My sister's fella got 3 points, didn't inform insurance then wrote his car off several months later. They docked £600 from the claim.

[kiethton]

Check you policy documents but I would (and have) just told them on renewal - at the end of the day, the contract is as per the details at a certain point in time for the year ahead, if something happens in that year it should be factored into their quote as a possibility

[silverfoxcc]

If you take an SAC ( and you should be offered one at that speed) it is in effect in lieu of 3pts and a fine of 100.00 ,and as they are normally 90.00 you also save 10.00 and keep a clean licence.
MOST ins co at renewal ask if you have been done in the past 12 months on renewal.
The general consensus on here is if your licence is still clean then dont say anything, BUT it they mention an SAC then admit it.
Others take the view that you should tell them anyway and that it doesn't alter the policy
Another suggested method is to go onto a cost comparison site, or your own ins co on line enquiry and put everything in that applies to you BUT don't use your own name and also use your correct age occupation etc also use an address in the same post code. smae road different number
had an SAC 5yrs ago and was never asked, so never told

However i didn't go the the lengths as noted above

In the end, you choose

[Pica-Pica]

Why inform the insurance company now? It is only a notice of INTENDED prosecution, no conviction has been made yet. As others have said, read your insurance contract and wait until any prosecution has been completed.

[parabolica]

silverfoxcc said:

If you take an SAC ( and you should be offered one at that speed) it is in effect in lieu of 3pts and a fine of 100.00 ,and as they are normally 90.00 you also save 10.00 and keep a clean licence.

SAC isn't an option in Scotland; it's points and a fine or you go to court,

Sorry OP, you don't have any options here really; they are unlikely to let you off give you were 10+mph over the limit. Been there, done that, had the increase in premiums to show for it. Also got done for the same thing in England but got a SAC for it...

[8bit]

Thanks all.

@silverfoxcc, as parabolica says I am in Scotland and that's where I was clocked so SAC not an option. I did google that last night to see if they'd introduced them here but not yet. @Pica-pica, I didn't suggest informing the insurance company right now, obviously I don't have points on the licence yet, it was whether to let them know as soon as I do, or await renewal but it sounds like I should tell them straight away.

I accept my fate, it was entirely my own fault, I was just curious as to the forthcoming processes etc. and what may happen next. I guess once I send in the form I'll eventually get something to say I have to choose between points and the fine or pleading my case in court?

[shakotan]

No such thing as a caution if an NIP has been sent - if they did decide to caution you, that would have been the first and only letter you received.

I really wouldn't worry, most likely it'll be 3pts and £100 fine, and literally no insurer cares about 3pts anymore, just declare them at renewal time and I doubt you'll see much, if any, difference in premium against having a clean licence.

[Pica-Pica]

silverfoxcc said:

..The general consensus on here is...

..and there lies the problem.

[Pica-Pica]

shakotan said:

No such thing as a caution if an NIP has been sent - if they did decide to caution you, that would have been the first and only letter you received.

I really wouldn't worry, most likely it'll be 3pts and £100 fine, and literally no insurer cares about 3pts anymore, just declare them at renewal time and I doubt you'll see much, if any, difference in premium against having a clean licence.

The ABI (Association of British Insurers) have their list of which insurers you need to tell about Speed Awareness Courses and points. Last time I checked, Admiral is one insurer that does need notification of a SAC (I am aware this issue occurred in Scotland where no SACs are offered, AFAIK).

[LosingGrip]

shakotan said:

No such thing as a caution if an NIP has been sent - if they did decide to caution you, that would have been the first and only letter you received.

I really wouldn't worry, most likely it'll be 3pts and £100 fine, and literally no insurer cares about 3pts anymore, just declare them at renewal time and I doubt you'll see much, if any, difference in premium against having a clean licence.

I think the OP means a caution as in a warning?

[shakotan]

Pica-Pica said:

shakotan said:

No such thing as a caution if an NIP has been sent - if they did decide to caution you, that would have been the first and only letter you received.

I really wouldn't worry, most likely it'll be 3pts and £100 fine, and literally no insurer cares about 3pts anymore, just declare them at renewal time and I doubt you'll see much, if any, difference in premium against having a clean licence.

The ABI (Association of British Insurers) have their list of which insurers you need to tell about Speed Awareness Courses and points. Last time I checked, Admiral is one insurer that does need notification of a SAC (I am aware this issue occurred in Scotland where no SACs are offered, AFAIK).

I don't recall mentioning Speed Awareness Courses anywhere.

LosingGrip said:

shakotan said:

No such thing as a caution if an NIP has been sent - if they did decide to caution you, that would have been the first and only letter you received.

I really wouldn't worry, most likely it'll be 3pts and £100 fine, and literally no insurer cares about 3pts anymore, just declare them at renewal time and I doubt you'll see much, if any, difference in premium against having a clean licence.

I think the OP means a caution as in a warning?

I'm sure he did, however if they were going to give you a warning, they would do so at the outset, not send an NIP first.

I received the very same from Surrey Police after I was caught for 38 in a 30. A warning was sent through the post, not an NIP.

[martinbiz]

shakotan said:

I'm sure he did, however if they were going to give you a warning, they would do so at the outset, not send an NIP first.

I received the very same from Surrey Police after I was caught for 38 in a 30. A warning was sent through the post, not an NIP.

Not quite the same thing, it was probably your reg given to the police by local villagers with a gun, obviously no prosecution can arise from this, but it has been known to generate a letter fro plod, personally I think they should mind their own F****g business

[8bit]

LosingGrip said:

shakotan said:

No such thing as a caution if an NIP has been sent - if they did decide to caution you, that would have been the first and only letter you received.

I really wouldn't worry, most likely it'll be 3pts and £100 fine, and literally no insurer cares about 3pts anymore, just declare them at renewal time and I doubt you'll see much, if any, difference in premium against having a clean licence.

I think the OP means a caution as in a warning?

I'm not sure of the differences (if any) between a caution and a warning in policing terms but what I was getting at was, if I complete and return the form admitting I was driving then is the next step automatically a choice between accepting the penalty points/fine or going to court, or is there some human involved who then makes a call as to whether to proceed as such or issue a bking and leave it at that?

My insurers are Direct Line, at least at the moment. Not sure how harshly they view customers with speeding infringements.

[martinbiz]

Exactly that, you will have the option of a FP or plead NG and go to court, there is no inbetween

The only way to find out about insurance is to call them, it will be different results for different people, lots of factors involved, so no hard and fast rules

[55palfers]

If only you'd have been caught shoplifting a couple of bottles of scotch...

https://www.thetimes.co.uk/article/shoplifters-can...

[PaulD86]

8bit said:

Not looking for sympathy or trying to get out of it - totally my own fault after all. Got caught by a camera van doing 71mph in a 60. Never had such a thing before, I have 28 days to complete and return the form admitting I was driving at the time but what happens thereafter? I'm guessing 3 points and £100 or something like that? I'm in Scotland so no chance for a speed awareness course option but is there any chance that they'll just issue a caution or something as it's my first offence and I've thus far never been known to the police?

Also, regards insurance - if I do end up with points on my licence, I take it I need to inform them immediately rather than wait until renewal time?

Where did you get caught? Was it local to us? There are a few 60 roads they love up here. The A947 being a real favourite.

When I got 3 point my insurers weren't overly bothered. When I had 6 they were a little more bothered.

A former insurance broker once told me that those with 3 points actually made fewer claims, however I have no idea if that was true. I can't say I'd be surprised if it was though.

[anonymous-user]

Read your insurance policy documents and act accordingly. I got into this situation and had to declare the results of being naughty at renewal.

One thing to remember when declaring to the insurer is to have the offence code available, it is sometimes not on the paperwork from the police and you may need to use the DVLA online service to find it. The insurer needs this to work out how big a spanking to give your wallet.

[NGee]

PaulD86 said:

A former insurance broker once told me that those with 3 points actually made fewer claims, however I have no idea if that was true. I can't say I'd be surprised if it was though.

Surely those on 9 points would make less claims as they will be driving like saints!

[Retroman]

8bit said:

Not looking for sympathy or trying to get out of it - totally my own fault after all. Got caught by a camera van doing 71mph in a 60. Never had such a thing before, I have 28 days to complete and return the form admitting I was driving at the time but what happens thereafter? I'm guessing 3 points and £100 or something like that? I'm in Scotland so no chance for a speed awareness course option but is there any chance that they'll just issue a caution or something as it's my first offence and I've thus far never been known to the police?

Next to no chance i'm afraid so would prepare for £100 fine and 3 points.

8bit said:

Also, regards insurance - if I do end up with points on my licence, I take it I need to inform them immediately rather than wait until renewal time?

It depends on your insurance company. Some want to be told whilst the policy is running and others only at renewal