Discussion
I just drove through one of those forward facing cameras today doing around 38-43 today. It was obviously my own fault, I drive up and down that road every day and for some reason today just didn't slow down for the camera which I don't really know why I didn't. I've already done the speed awareness course for urban driving so it'll be 3 points and a fine, will it have much of an effect on my insurance premiums? I'm irritated that I let it happen, always been proud that I've never crashed and never had any points, hopefully I only break one of those. This is the camera in question, I saw he flash so I know it got me. I'm not going to dispute it when the letter arrives as it was my own fault, and I'm guessing the old "Is it calibrated" trick doesn't really fly anyway. Pretty gutted but I guess it serves me right
https://www.google.co.uk/maps/@53.7559372,-1.59627...
https://www.google.co.uk/maps/@53.7559372,-1.59627...
No, people don’t.
I go 30, 40, 50 on the nose.
If you are ‘going with the flow’ at 35 in a 30 you will get done.
It really is simple.
I don’t wish to come across as ‘that bloke’ but the limits are applicable for good reason.
Everybody can abide by them and, I would suggest, that outside some extreme circumstance then it is a case of not paying the correct attention and or arrogance / selfishness.
I go 30, 40, 50 on the nose.
If you are ‘going with the flow’ at 35 in a 30 you will get done.
It really is simple.
I don’t wish to come across as ‘that bloke’ but the limits are applicable for good reason.
Everybody can abide by them and, I would suggest, that outside some extreme circumstance then it is a case of not paying the correct attention and or arrogance / selfishness.
Well I follow the flow of traffic and slow down at the cameras. I've been done and deserve it, simple as. The question was whether it would affect my premiums in a big way or not. A quick Google shows that it shouldn't do which in hindsight I should've just done before starting a thread anyway
Fair enough.
I know the bands / fine table is readily available online, and have seen it on PH before, which will give you a reference as to what you might expect.
I would suggest that your premium may be affected but probably only sufficiently to give you a ‘warning shot’ rather than be crippling.
I know the bands / fine table is readily available online, and have seen it on PH before, which will give you a reference as to what you might expect.
I would suggest that your premium may be affected but probably only sufficiently to give you a ‘warning shot’ rather than be crippling.
I’m afraid I don’t know but I am sure somebody else will be able to advise.
Until you have been awarded an outcome, I suggest nothing has happened. NIP is exactly that, a notice, but it is not the conclusion.
I would suggest you are open and honest with them and see what happens. What you really don’t need is an insurance claim that they will not entertain as you did not inform them.
Until you have been awarded an outcome, I suggest nothing has happened. NIP is exactly that, a notice, but it is not the conclusion.
I would suggest you are open and honest with them and see what happens. What you really don’t need is an insurance claim that they will not entertain as you did not inform them.
aaron_2000 said:
I'm due for renewal in 3 weeks, assuming the NIP arrives next week will the points come through by the time I'm ready to renew? I don't want to risk driving on my new policy without telling them about it but I don't know how long points take to get on your record
Renew your policy now, or buy a policy with another insurer ASAP.You can only declare what you’ve actually been told about officially. If your NIP comes through after you have renewed (even if your renewal date has not passed) you are under no obligation to declare until next year’s renewal.
43 would be marginal for getting a penalty imo
aaron_2000 said:
I'm due for renewal in 3 weeks, assuming the NIP arrives next week will the points come through by the time I'm ready to renew? I don't want to risk driving on my new policy without telling them about it but I don't know how long points take to get on your record
You don't need to wait for the points. Just tell them that you've an NIP pending (if indeed one does arrive)porterpainter said:
Renew your policy now, or buy a policy with another insurer ASAP.
You can only declare what you’ve actually been told about officially. If your NIP comes through after you have renewed (even if your renewal date has not passed) you are under no obligation to declare until next year’s renewal.
43 would be marginal for getting a penalty imo
I am not convinced that this is sound or correct advice, most insurance policies have T&C's.You can only declare what you’ve actually been told about officially. If your NIP comes through after you have renewed (even if your renewal date has not passed) you are under no obligation to declare until next year’s renewal.
43 would be marginal for getting a penalty imo
There may be a condition of insurance that you have to notify of points.
If you fail to do so the policy may be cancelled when you need it most.
Hashtaggggg said:
porterpainter said:
Renew your policy now, or buy a policy with another insurer ASAP.
You can only declare what you’ve actually been told about officially. If your NIP comes through after you have renewed (even if your renewal date has not passed) you are under no obligation to declare until next year’s renewal.
43 would be marginal for getting a penalty imo
I am not convinced that this is sound or correct advice, most insurance policies have T&C's.You can only declare what you’ve actually been told about officially. If your NIP comes through after you have renewed (even if your renewal date has not passed) you are under no obligation to declare until next year’s renewal.
43 would be marginal for getting a penalty imo
There may be a condition of insurance that you have to notify of points.
If you fail to do so the policy may be cancelled when you need it most.
And, a speeding fine usually doesn't have that much impact on the premium. Always keep your insurer advised (even if you don't need to)....never give the slippery buggers a reason not to pay outHashtaggggg said:
porterpainter said:
Renew your policy now, or buy a policy with another insurer ASAP.
You can only declare what you’ve actually been told about officially. If your NIP comes through after you have renewed (even if your renewal date has not passed) you are under no obligation to declare until next year’s renewal.
43 would be marginal for getting a penalty imo
I am not convinced that this is sound or correct advice, most insurance policies have T&C's.You can only declare what you’ve actually been told about officially. If your NIP comes through after you have renewed (even if your renewal date has not passed) you are under no obligation to declare until next year’s renewal.
43 would be marginal for getting a penalty imo
There may be a condition of insurance that you have to notify of points.
If you fail to do so the policy may be cancelled when you need it most.
porterpainter said:
you are under no obligation to declare until next year’s renewal.
Bad advice, and probably wrong for many policies. For example, Direct Line say in their terms:If you don’t tell us about changes
If you don’t provide correct and complete
information or inform us of any changes, this
could invalidate your policy or mean we don’t
pay claims in full or at all.
aaron_2000 said:
Because like pretty much everyone I routinely don't sit at exactly 29mph. I usually follow the flow of traffic which on that road is mainly 35ish, excluding the delivery drivers that fly past at 50+.
junglie said:
No, people don’t.
DfT stats for 2019 recorded 54% of free-flowing cars (55% of vans) as exceeding the limit in a 30 zone.So yes, I'd imagine quite a few people do.
junglie said:
No, people don’t.
I go 30, 40, 50 on the nose.
If you are ‘going with the flow’ at 35 in a 30 you will get done.
It really is simple.
I don’t wish to come across as ‘that bloke’ but the limits are applicable for good reason.
Everybody can abide by them and, I would suggest, that outside some extreme circumstance then it is a case of not paying the correct attention and or arrogance / selfishness.
Can of Mr. Sheen for Junglie’s halo pleaseI go 30, 40, 50 on the nose.
If you are ‘going with the flow’ at 35 in a 30 you will get done.
It really is simple.
I don’t wish to come across as ‘that bloke’ but the limits are applicable for good reason.
Everybody can abide by them and, I would suggest, that outside some extreme circumstance then it is a case of not paying the correct attention and or arrogance / selfishness.
2 sMoKiN bArReLs said:
porterpainter said:
you are under no obligation to declare until next year’s renewal.
Bad advice, and probably wrong for many policies. For example, Direct Line say in their terms:If you don’t tell us about changes
If you don’t provide correct and complete
information or inform us of any changes, this
could invalidate your policy or mean we don’t
pay claims in full or at all.
For instance, they require notification of any convictions, endorsements or fixed penalties before renewal. It isn't a requirement to notify them immediately.
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