"educational course" or 3 points + fine

[jds 1981]

What's the current thinking? Looks like all course dates nearby are in the working week..

[Lance]

if your license is clean then take the 3 points

[DodgyAccountant]

May affect insurance premiums if you take the points.

[Lance]

May affect insurance premiums if you take the points.

by far less than either the fine, or half a day's lost work

[meridian]

if your license is clean then take the 3 points

I got my first camera flash a month or so ago, and have to make the same decision.

Licence is currently clean, I’ll be taking the course to keep it that way.

For no other reason than to keep my licence clean ;-)

[northernladuk]

I got my first camera flash a month or so ago, and have to make the same decision.

Licence is currently clean, I’ll be taking the course to keep it that way.

For no other reason than to keep my licence clean ;-)

I did the same. In my 20's I managed to rack up 9 points with 6 in the space of 9 months. Driving for a few years with one more before I get a tot up ban was excruciating so don't want to get anywhere near that ever again so I'm all for keeping the licence clean. To be fair I've only been caught twice in the last 20 years and don't ride a motorbike now so maybe overplaying the risk a tad.

I did a hell of a lot of miles in the 3 years when I was working away and also did a 120+ miles a day commute at a 4 year gig so need to keep the points off with so much time on the road.

Main aim for me is keeping the points off at all costs.

[Magpie252]

by far less than either the fine, or half a day's lost work

Not when the insurance companies ask you to fess up about this for the next 5 years

As the OP has been offered a course, this suggests a Band A offence (£100 minimum, or 25% - 75% weekly wage depending on severity) which is much less than the insurance screwing you for 5 years

[AtW]

Obviously points is the worst option.

Take the course and don't forget to inform your insurance company

[jds 1981]

First offence - just coming up to ten years of having a driving license.
One of my concerns is that the courses around me in NE London are all on a weekday so affects my ability to charge. Unless insurance goes up by a lot it's nominally not worth it. The clincher is how much is having a clean license with it?

Was on the M25, variable speed limit. Went past some people just starting to lay out cones, just after a 50 limit, a little further and I thought that would be it so sped up. Came to the next gantry and saw it was still 50, so I braked gently - which I thought would be enough to bring me down to a camera acceptable speed but alas not. Next ten miles or so were all limited despite nothing happening

Well, I have been a naughty boy, a few people have said the course so away I go.

[tazdevil]

don't forget to inform your insurance company

There's no way for them to know if you don't tell them because the police can't tell But you've told us now and I'm sure insurance companies scan social media for miscreants