SAC or 4-6 points?

[mrrossi]

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

[mrrossi]

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 !