You'd think so wouldn't you. The insurance game is a law unto itself. Some companies are now asking if you have done a speed awareness course. I bet this isn't to give a discount !
You know! I had a 'mobile phone awareness' course a couple of years ago (I was already fully aware of it). On my last renewal my insurance company asked if I had been on any 'awareness' courses, I didn't lie, and guess what happened to the renewal. Significant increase, which I questioned, and the justification was 'due to the awareness course'. I was unsure as not a criminal offence, it had to be disclosed. But too late now....
Speed Limits Speed limits are in place on our roads to improve safety. Driving within the speed limit will help protect other road users and pedestrians. The speed limits for vehicles depend on their classification, the type of road they are driving on and whether or not they are towing a trailer. Drivers must adhere to the below National Speed Limits based on their vehicle’s classification and the type of road they are driving on unless there are speed limit signs indicating a different limit is in place. Gateway signs will only be displayed at the entrance to signed speed limit zones, they will not be in place when passing from one National Speed Limit zone to another. Repeater signs will only be present on roads that have a speed limit other than their normal National Speed Limit. Drivers are expected to keep track of the type of road they are travelling on and adjust their speed appropriately when they enter new signed speed limit zones or pass into different types of road that are subject to a National Speed Limit. Cars, motorbikes and car derived vans (based on a car model and not over 2 tonnes maximum laden weight, e.g. Vauxhall Astra Van) National Speed Limits for these vehicles are as follows: Motorway - 70mph (60mph if towing a trailer) Dual Carriageway - 70mph (60mph if towing a trailer) Single Carriageway - 60mph (50mph if towing a trailer) Built-up Area (Indicated by a regular system of street lighting) - 30mph Light goods vehicles (Not over 7.5 tonnes maximum laden weight, e.g. Ford Transit Van) National Speed Limits for these vehicles are as follows: Motorway - 70mph (60mph if articulated or towing a trailer) Dual Carriageway - 60mph Single Carriageway - 50mph Built-up Area (Indicated by a regular system of street lighting) - 30mph
Under the 1974 Rehabilitation of Offenders Act, individuals should not have to declare any "spent" convictions, for example when applying for most jobs, insurance cover or a housing application. Penalty points, which last for four years, become spent once they "cease to have effect", according to the legislation. Under the 1974 Rehabilitation of Offenders Act, individuals should not have to declare any "spent" convictions, for example when applying for most jobs, insurance cover or a housing application. Penalty points, which last for four years, become spent once they "cease to have effect", according to the legislation. But insurers are using a loophole that lets them legally demand information about points that are no longer recorded on licences. This is because penalty points are issued as part of a conviction imposed by a court, which has a minimum five-year rehabilitation period under the legislation. • Car insurers ‘make £1bn a year by keeping customers in the dark’ This means speeding fines can be treated the same as more serious offences, such as drink-driving, which stay on a licence for 11 years but can still become "spent" after the five-year rehabilitation period. "The law is a mess and grossly unfair on drivers," said Chris Stacey of Unlock, a charity for people with past convictions. "We now have a situation where a minor driving offence carries a longer rehabilitation period than someone who has gone to prison for assault. "Insurers have lobbied to keep the blanket five-year period for motoring offences because getting rid of it would restrict their ability to charge drivers higher premiums for old offences, he said. Dave Meader, a Direct Line underwriter, said: "We ask that all convictions which result in an endorsement are disclosed for at least five years. A driver with past convictions is 40pc more likely to make a claim." A spokesman from Aviva, the insurer, said that the firm asks about old penalty points but that it is unlikely a one-off speeding offence would increase premiums. Convictions over drink and drugs can remain on records for 11 years - but may be Convictions over drink and drugs can remain on records for 11 years - but may be "spent" after just five years PA The Financial Ombudsman, the dispute resolution body, has said it will side with the customer if an insurer unfairly uses unspent convictions to give them less favourable terms than other policyholders, such as higher premiums. "If firms insist on asking questions about spent convictions, then they must effectively ignore the answers they receive. Otherwise we are likely to consider they have breached their statutory duty," the Ombudsman said. Similarly, if an insurer cancels someone's policy because they have a spent conviction they didn't disclose, a complaint will be upheld.
Anyone ever been prosecuted for failing to display a vehicle identification number (number plate)? Its become very popular over the past 6 months or so in my area. It appears to go unnoticed. I can only assume they do it for the benefit of the fixed speed cameras.
what about motor homes under 3.05 tonnes? my van should be in there, under 7.5 tonnes my arz. Its nearer 2 than 7!! Its a crime. 120mph van that can do 60. Like a sports car I suppose And dont say its not a motorhome (bet he does)
