Got clocked driving at 39MPH in a 30MPH zone by a mobile laser van. Got letter in post 10 days after date of offence. Photo evidence online also - no photo of driver though. At the time of offence I wasnt the driver, it was my father on his way back from a garage after some repairs to my car. I don't think he is insured to drive my car. Punishement is £60 fine and 3 points on licence if I own up, or give details of the driver at the time of offence. Of course I would prefer the fine, and points going onto my father's licence rather than mine. BUT, if I named my dad as the driver, will they check of he has insurance to drive my car? If so then I would rather I just own up and get points, not wanting any more trouble than necessary.
Is there some loophole I havent heard about that could let me off?
What you guys think I should do?