SAC or 4-6 points?
Discussion
Hi all
Well, it seems numpty here took a 'short cut' to avoid the speed bumps in one area knowing the tram ran there so there was no speed bumps... numpty forgot about the 30mph speed limit though until he spotted the (second) average speed camera - NUTS.
So been caught doing 42mph in a 30mph zone, which takes me into the new 'Band B' category - 4-6 points on my license and a fine that can be based on my income. OR there's an option to do a Speed Awareness Course (SAC).
I've got no points on my license at the moment and would like to keep it that way. I also believe there could be a temporary driving ban? Need to drive for my work.... The SAC is £92.50 so less than the fine will be so seems to make the most sense to just do the course... but how will it affect insurance premiums? More so than 4-6 points potentially?
I'm 39 and have full NCB but I normally do the multi-car Admiral policy with my girlfriend as she's 30 and only got a couple of years UK road experience and there's been a couple of claims in the last few years, so hers can be expensive; multi-car brings that down. But I hear that Admiral are quite harsh on people that have done SACs and the premiums can go through the roof. Are there any other multi-car insurance providers that aren't so heavy handed when it comes to SACs?
Thanks everyone
Mr Rossi
Well, it seems numpty here took a 'short cut' to avoid the speed bumps in one area knowing the tram ran there so there was no speed bumps... numpty forgot about the 30mph speed limit though until he spotted the (second) average speed camera - NUTS.
So been caught doing 42mph in a 30mph zone, which takes me into the new 'Band B' category - 4-6 points on my license and a fine that can be based on my income. OR there's an option to do a Speed Awareness Course (SAC).
I've got no points on my license at the moment and would like to keep it that way. I also believe there could be a temporary driving ban? Need to drive for my work.... The SAC is £92.50 so less than the fine will be so seems to make the most sense to just do the course... but how will it affect insurance premiums? More so than 4-6 points potentially?
I'm 39 and have full NCB but I normally do the multi-car Admiral policy with my girlfriend as she's 30 and only got a couple of years UK road experience and there's been a couple of claims in the last few years, so hers can be expensive; multi-car brings that down. But I hear that Admiral are quite harsh on people that have done SACs and the premiums can go through the roof. Are there any other multi-car insurance providers that aren't so heavy handed when it comes to SACs?
Thanks everyone
Mr Rossi
Durzel said:
berlintaxi said:
Don't tell them, last course I did they said there was no obligation to tell anybody you had been on one.
Except come renewal when they ask if you've been on one.. which Admiral notoriously do.Edited by berlintaxi on Monday 22 May 14:51
mrrossi said:
So been caught doing 42mph in a 30mph zone, which takes me into the new 'Band B' category - 4-6 points on my license and a fine that can be based on my income. OR there's an option to do a Speed Awareness Course (SAC).
Ignore the tabloid b
ks. If you're going to be offered an SAC, then it's monumentally unlikely that it'd be "or court", rather than "or FPN".So the choice will be SAC or 3pt/£100.
It's only if you want to argue it - or if the speed had been a big chunk higher - that you'd be facing a magistrate.
Admiral and their brands are the only ones who ask about SACs. If you're asked, you MUST tell the truth. Whether they can verify that answer is a separate question.
mrrossi said:
So been caught doing 42mph in a 30mph zone, which takes me into the new 'Band B' category - 4-6 points on my license and a fine that can be based on my income. OR there's an option to do a Speed Awareness Course (SAC).
There has been a load of misreported tosh about this over the past few months.42mph in a 30mph is comfortably within the range for a FPN (3 points & £100).
It is also on the threshold for a Speed Awareness Course.
Only if the matter was proceeded to court would you need to consider the Magistrate's Sentencing Guidelines, fine bands, etc.
Ok thanks guys for all the info. 3 points and £100 wouldn't be so bad and might be preferable to a 4 hour course and potentially larger insurance costs.
The letter from the Police I have at the mo just needs me to confirm my details and there's a check box to be 'considered for' a SAC so I may as well tick it, send back at then I guess they will offer me the points (hopefully the 3pt/£100 rather than the 'new' expensive one mentioned in the news) or the SAC and then I can make a better informed decision then.
Cheers !
The letter from the Police I have at the mo just needs me to confirm my details and there's a check box to be 'considered for' a SAC so I may as well tick it, send back at then I guess they will offer me the points (hopefully the 3pt/£100 rather than the 'new' expensive one mentioned in the news) or the SAC and then I can make a better informed decision then.
Cheers !
berlintaxi said:
There is no database they have access to which will tell them if you have been on a course, I am only reporting what was said by the guys hosting the course.
You're right.. but Admiral own confused.com, the group that Admiral is a part of possibly has talons in other price comparison sites, etc. There has been anecdotes on here from people who claim to have received a letter from Admiral asking for more money after somehow finding out that they'd been on a SAC....Fundamentally though I think you're on pretty shaky ground if they ask you an explicit question and you lie when answering.
mrrossi said:
3 points and £100 wouldn't be so bad and might be preferable to a 4 hour course and potentially larger insurance costs.
SAC - you might get dibbed by one insurer.FPN - you WILL get dibbed by most insurers...
The SAC won't be much cheaper than the FPN. So it's a reasonably simple question of 3pts versus half a day.
mrrossi said:
Ok thanks guys for all the info. 3 points and £100 wouldn't be so bad and might be preferable to a 4 hour course and potentially larger insurance costs.
Unless things have changed massively in the last few months, having points on your licence will bump up insurance premiums much more than any admission that you've been on a Speed Awareness Course.berlintaxi said:
Durzel said:
berlintaxi said:
Don't tell them, last course I did they said there was no obligation to tell anybody you had been on one.
Except come renewal when they ask if you've been on one.. which Admiral notoriously do.Edited by berlintaxi on Monday 22 May 14:51
They don't need a database. When you have a huge claim and you're stressed, when they ask about it you'll forget your lied previously and spill the beans. That's how 95% of people who lie about convictions/accidents/vehicle use / mileage/ SACs etc. are caught.
That's exactly why, when you make a claim, they ask you all the same questions they asked when you took out the insurance. The truth is constant, lies need to be remembered.
Both myself and Wife have done SAC and have a multi car policy with Aviva. We pay just over £300 for both cars (Leaf and MX5) and did not declare the courses as we were not asked. Ignored the Admiral chain as soon as the question was raised. Once you have points on your licence it becomes irrelevant, insurance companies will ask you about your convictions over the last 5 years.
Both myself and Wife have done SAC and have a multi car policy with Aviva. We pay just over £300 for both cars (Leaf and MX5) and did not declare the courses as we were not asked. Ignored the Admiral chain as soon as the question was raised. Once you have points on your licence it becomes irrelevant, insurance companies will ask you about your convictions over the last 5 years.
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff