Speeding Ticket - Who Should pay

Does the insurance company know the main insured person is not the owner of the car? That could be important too.

OP just decide between yourself and your partner who is going to take the points ffs

if it wasn’t the person who was actually driving then, as a British cabinet minister found out, that’s perverting the course of justice, meaning a prison sentence rather than a few penalty points. And yes, the law is word for word the same!

I think the cyclist should pay the fine and take the points.

There's no 'ideally' about it, the registered owner is legally required to nominate the driver if it wasn't them and falsely nominating someone is an offence.

"Nominations

If you were not driving, or otherwise using the vehicle on the date of the offence, the Statement of Nomination of Name and Address of Driver of Vehicle section on the Fixed Charge Notice must be completed by the registered owner, not the driver, and the full notice must be returned to the Fixed Charge Processing Office. Under current legislation, a notice containing the completed Statement of Nomination of Name and Address of Driver of Vehicle section must be completed and sent to the Fixed Charge Processing Office within 28 days of the date of the notice.

Nominations sent after 28 days cannot be processed and the FCN remains the responsibility of the registered owner. In the case of Penalty Point offences, if the registered owner of the vehicle is a company, or a person trading as a company, the only requirement on the registered owner is to nominate the person who was driving the vehicle at the time of the offence.

If the offence is a Non-Penalty Point offence, the registered owner may pay the fixed charge as outlined in the notice, without having to nominate a driver.

If you are nominating someone who is under 18 years of age, the date of birth must be filled in on the nomination section, and a copy of the birth certificate sent in with the nomination.

No payments are required when making a nomination, as a new Fixed Charge Notice will be issued to the driver. The 56 day payment period will begin again from the issue date of the new notice.

The full name and address of the person using the vehicle at the time of the offence must be provided by the registered owner. Care must be taken to nominate the correct driver as falsely nominating a person is a serious offence and may lead to a prosecution."