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109 in a motorway
Human
post Wed, 14 Nov 2018 - 01:17
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Hi guys, if you get caught doing 109 mph on a motorway then there is necessary to get a solicitor, right? With police recorded you on a video while following you for a short period of time. If so can you recommend which solicitor would do the best job? What are the chances of not losing the license if you need it for your job? Any advice appreciated.

This post has been edited by Human: Wed, 14 Nov 2018 - 08:07
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post Wed, 14 Nov 2018 - 01:17
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cp8759
post Thu, 15 Nov 2018 - 15:47
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QUOTE (666 @ Wed, 14 Nov 2018 - 15:12) *
QUOTE (Human @ Wed, 14 Nov 2018 - 14:54) *
Also, do you have an idea of how much my insurance premium can go up if I have currently two years of no claim bonus?


The usual advice is to try dummy quotes on a comparison site, with points or a ban. Don't use your real name and address.

I've tried dummy quotes with my real details countless times, never had an issue. When you pursue a dummy quote you are not representing to anyone that the details submitted are true (because you're not agreeing to buy any policy so there's no contract of insurance).


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Logician
post Thu, 15 Nov 2018 - 16:20
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I think what can be a problem is if their system remembers previous quotes requested and then there is a query about how the disqualification you mentioned previously now seems to have disappeared, or something like that.


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cp8759
post Thu, 15 Nov 2018 - 16:25
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QUOTE (Logician @ Thu, 15 Nov 2018 - 16:20) *
I think what can be a problem is if their system remembers previous quotes requested and then there is a query about how the disqualification you mentioned previously now seems to have disappeared, or something like that.

That's why there's an edit quote button. The details submitted at the time of the quote you go ahead with form part of the contract of insurance, quotes you did not go ahead with do not. Worse comes to the worst and they ask, you just say "well my mate told me that this offence and that offence would have such and such an effect on premiums, I wanted to see if it was true so I tried some dummy quotes. But obviously the details I submitted to buy my actual policy are accurate, if you want to check my licence this is my licence number and this is the DVLA access code you can use".

But I very much doubt this ever happens, and in the event of a claim they will want to confirm licence details anyway.


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The Rookie
post Thu, 15 Nov 2018 - 17:51
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Having had a nighmare sorting out issues after my daughter mis entered a claim date on a comparison site quote, I’d say that was overly optimistic verging on BS. We had to sort it out on 4 car renewals and even then one threatened to decline cover on the basis of a withheld claim.

This post has been edited by The Rookie: Thu, 15 Nov 2018 - 17:52


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cp8759
post Thu, 15 Nov 2018 - 17:57
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QUOTE (The Rookie @ Thu, 15 Nov 2018 - 17:51) *
Having had a nighmare sorting out issues after my daughter mis entered a claim date on a comparison site quote, I’d say that was overly optimistic verging on BS. We had to sort it out on 4 car renewals and even then one threatened to decline cover on the basis of a withheld claim.

I can only speak from my own experience, I've never had such a problem.


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thisisntme
post Mon, 19 Nov 2018 - 10:12
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QUOTE (cp8759 @ Thu, 15 Nov 2018 - 18:57) *
QUOTE (The Rookie @ Thu, 15 Nov 2018 - 17:51) *
Having had a nighmare sorting out issues after my daughter mis entered a claim date on a comparison site quote, I’d say that was overly optimistic verging on BS. We had to sort it out on 4 car renewals and even then one threatened to decline cover on the basis of a withheld claim.

I can only speak from my own experience, I've never had such a problem.


Then it might have been better that you didn't respond in absolute terms as you did originally. I have heard elsewhere where people have come to grief because of a dummy quote using their real details.


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OUYSINEP
post Mon, 19 Nov 2018 - 19:21
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With the Dummy quotes, im sure there is some FOS ruling or decision that can be relied upon if op faces a problem. Its mostly contract law stuff that gets settled pretty easily with the ombudsman office.
I mean if you enter everything truthfully just change your name and address then its almost impossible to identify you.

Ive got quotes in my name in different scenarios and not had a void or increase or letter to tell me they don't trust me no more.

It would seem unfair to just cancel or void a policy because you were messing round with the options during quotes, especially if you have option to edit a policy online anyway, and if they can trust your license details they could always ask for you to provide you license to the them or anything else for that matter.
If my insurer cancelled my full years paid for cover because I messed with quotes and never asked me to to put their minds at rest with evidence they could have asked for like a license, or letter or contract of employment, I would soo walk down the complaints process and into the realms of FOS complaint.
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notmeatloaf
post Thu, 22 Nov 2018 - 18:26
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Insurance companies do monitor quotes for people who get one quote and subsequently get a quote with different details, and are very open about doing so if you Google. Remember they are getting absolutely huge amounts of data now people use comparison sites, and it is trivially easy to decide what sorts of changes you want to flag as potential deception.
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LaughingLeaf
post Thu, 22 Nov 2018 - 22:08
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QUOTE (notmeatloaf @ Thu, 22 Nov 2018 - 18:26) *
Insurance companies do monitor quotes for people who get one quote and subsequently get a quote with different details, and are very open about doing so if you Google. Remember they are getting absolutely huge amounts of data now people use comparison sites, and it is trivially easy to decide what sorts of changes you want to flag as potential deception.



I'm sure that's true, but if you just obtain a quote by typing in details online, but with a slightly different name and address, they won't be able to tie the fake quote from the real one you subsequently get.
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The Rookie
post Fri, 23 Nov 2018 - 05:46
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QUOTE (OUYSINEP @ Mon, 19 Nov 2018 - 19:21) *
With the Dummy quotes, im sure there is some FOS ruling or decision that can be relied upon if op faces a problem. Its mostly contract law stuff that gets settled pretty easily with the ombudsman office.

There was no real issue sorting it out with each insurer, it’s just that it had to be done and was a ball ache that was the issue I was trying to help others avoid.


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There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!

S172's
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Council PCN's
Rookies 1-0 Warwick
Rookies 1-0 Birmingham

PPC PCN's
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Human
post Sat, 22 Dec 2018 - 19:32
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So I finally received the letter about a week ago and I'm going to do what you've recommended - play guilty in court.

I just found two things in the letter that I want to ask about.
1. The offence charged says "Speeding - exceed 70mph motorway limit - manned equipment". I thought there will be "exceed 100mph", but I guess they don't do different offence charge for higher speeding, right?
2. There is one funny thing in the witness statement, but I guess it doesn't make any difference to the case(?) They used the word "miles" by mistake instead of metres about for how long they measured the speed while following me in "a steady even distance".

Do you want to see any pages of what I've received or is it just a waste of time since there is nothing possible to do about it?
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Logician
post Sat, 22 Dec 2018 - 20:01
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1. The offence is exceeding the speed limit, same charge for whatever speed.

2. If you go to court over an obvious error in the witness statement, the officer will be called as a witness and simply apologise for the error and correct it.


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Steve_999
post Sat, 22 Dec 2018 - 20:05
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QUOTE (Logician @ Sat, 22 Dec 2018 - 20:01) *
. . . . .

2. If you go to court over an obvious error in the witness statement, the officer will be called as a witness and simply apologise for the error and correct it.


And, if found guilty, you will be paying the costs for having the occifer at court.
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cp8759
post Sun, 23 Dec 2018 - 08:30
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QUOTE (Steve_999 @ Sat, 22 Dec 2018 - 20:05) *
And, if found guilty, you will be paying the costs for having the occifer at court.

Not quite, you'd pay the standard CPS fee of £620, nothing is paid in respect of police officers giving evidence in an official capacity, CPS rules actually forbid this.


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