Neither OH or myself are involved. If someone who is a named driver on your insurance and is 17 years old is caught speeding in your car while their car is in for service, 36mph in a 30mph zone. Do you have to notify your insurance company? I am aware that he will have to notify his insurance policy.
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Speeding
- Thread starter Buckman
- Start date
If they were issued with a SP 30 and had 3 points on their license then Yes, need to notify. If they attended the day course and did not have 3 points put upon license .then No. Also applies if driving any car and SP 30 issued
In this case I doubt if the 17 year old can do the course as only had their licence about 3 - 4 months?
Forgot the age, yes they will have 3 points ,and if another 3 points again in first 2years driving will be disqualified.
That seems an absurd legal restriction - 17-year olds need all the education they can get, if Speeding Awareness courses have any value, they should be their main target audience.
Is that true?
According to a bit of research Speed awareness courses are offered at the sole discretion of the Police (Forces may differ countrywide) and may be offered to any driver (including drivers that have held their licence for less than 2 years) subject to eligibility criteria being satisfied.
Any driver includes of course a 17 year old. I haven’t seen anything that says otherwise but happy to learn😉
Wasn't it called "Young Driver Intervention Course" but could only be attended in the area of the offence. Not all Police Forces supported them. I would always support going on the courses offered, far better for your driver education than just accepting fine and points too.
I got caught speeding in Northumberland and wasn't offered a course, just 3 points and £100 fine. Remember, what do points make 🤔 Pedestrians 🚶♂️.
I did the course 10 years ago, 34 in a 30. Four hours of mind opening incredible videos and information. Everyone should go on one. Brilliant and no points although most of the fine money pays for the course. And no record nor need to tell your Insurer.
Not sure as I was guessing, but he has to pay the fine I am fairly sure it will up the insurance premium. Unfortunately I don't want to pry too much in case I upset someone as just going on what I have been told about the circumstances.
If the lad is able to do the course and then gets done again within the 2 years, will the earlier speeding offence come back to haunt him? Cannot find a true answer as some seems to be confusing.
Generally he is a good driver, but this was in a semi rural area and he thinks he may have missed the sign. The car indicated that it was a higher speed zone and the car is a Honda? I have advised him to go back to the same area and establish where the signs are and whether they are obscured.
Our daughter did one about 2 years ago and it was all Online.
Post Covid. Mine was at the local Fire Station and run by a lady who may well have been a Gruppen fuhrer in another life😉
Would his earlier "offence" actually be a legal offence given that there was no fine and points?
He has only had the one speeding offence which was only last week while driving his mom's car.
Whether you will have to advise your insurer will depend on the question they ask about driver’s convictions. Historically, insurers tended only to require speeding offences to be advised to them, if there were more than 2. Each insurer will have their own requirements, so it’s not possible to give a single yes or no answer.
If in doubt, check! You dont want your insurer "playing up" in tge event of you having to make a claim.
Just as a heads up, if you allow someone, who is not a named driver on your policy, to drive your car then they will only have minimal third party cover regardless of whether they have a fully comprehensive policy on their car.
In addition its only policy holders, not named drivers, who have cover for driving other cars AND if the policy holder is under 25 they almost certainly won't have "driving other vehicles cover" on their policy.
I dealt with a fair few cases where the above circumstances applied.
If you lend your car to someone who it turns out isn't insured (As it any of the above scenarios) YOU will also be prosecuted for permitting the offence of them driving without insurance.
It is incumbent on you to physically check their insurance covers them.
If driving someone else's car that car will require insurance in its own right, you cannot use "your" insurance to drive an uninsured car!
Car insurance can be a right nightmare at times!
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