Friend of mine took a speed awareness course earlier this year and now her insurers are being stroppy as she hadn't told them.

Now as I understood it as you were offered the course instead of the conviction it has fuck all to do with the insurance company whether you attended the course or not?

What are peoples thoughts on this one?

 

Ive done this course last year after being caught on a dual carriage way in my van doing 66 mph, i didnt tell my insurance as technically ive not been convicted of anything, saying that think i got caught again friday, same camera van same place as last time,oh well

 

i thought 10% was allowed so speeding was 67 mph or more on dual ?

 

how did her insurer find out she had done the course?

 

Just rang her as on another forumn they said it was the Admiral group that have done this. Guess who she's on insured with???? Elephant And they asked her when she phoned for renewal, so she told them.

Another case for why I wouldn't touch these clowns with a bargepole

 

If it was a transit size van speed limit is 50mph for national speed limit and 60mph for dual carriage ways because of laden weight.

 

I did one earlier in the year. The letter you get off the Police clearly states that the course is "in place of a conviction" and that you do not need to inform your insurer. Tell them to fuck off and move companies when its up for renewal!!

 

You are correct it isn't a conviction.

However they are asking you a direct question 'have you been on a speed awareness course', which if you did not answer truthfully, you are obtaining the price of your policy by deception. Technically fraud. They would be well within their rights to cancel the policy.

This was all over the news a few weeks ago, and is the accepted position.

If they do not ask you, you do not have to tell them, as it isn't a conviction. But if they ask, you MUST tell.

 

BLU you are misunderstanding the situation.

It isn't a conviction, but that doesn't mean anything. Nor does the letter the police give you or any verbal assurances the monkey at the course may of told you. They are not the insurance company.

 

If my insurance asked at renewal I would just change to one that didn't. But if asked outright it best not to lie, although not sure how they could find out as wouldn't think they would have access to records.

 

Admiral and its other group of company's have brought this into effect, and to all of us its unjust and bang out of order as whats the point of doing a course which is more expensive than taking a fixed penalty if they are likely will hit you in the pocket anyway the same as if you had points, as said if its a question they ask you are required to answer it honestly, as it comes under failure to disclose act and will be a weapon they use to void your insurance if probed into, I suggest all motorists use another insurer and not one linked to any admiral business partner as lucky for us not all insurers are so damn pathetic (YET), its little more than a money making template for insurers to hike our premiums

 

I did a course last friday and the guy doing the workshop said you dont have to tell your insurer about attending the course.

Ive dodged the convictions by paying extra and sitting a four hour workshop so i think ive pay'd my due im stuffed if im telling them so they can put my premium up .

I asked the guy how much he thought id saved by doing the workshop instead of taking the points and he said your points stay on your licence for 3 years ,the police keep them on record for four years .And your insurance keep them for five years .

He said you can work it out to about £30 extra per penalty point so that would of been £90 X 5 years = £ 450

Glad i did the workshop really as i used it like a refresher after driving for 22 years
Oh and i saved a few quid

 

You proceed with your insurance company with the utmost faith.

If you lie this is BAD and you are likely to end up insurance cancelled or uninsured.

I'm with the guys above - if asked move to a company that doesn't ask. If the answer is yes to the question.

A conviction isnt actually the reason your policy goes up... it is the increased risk associated with proof that you speed.

A speed awareness course is proof you speed.

 

i posted about this only the other week

the admiral group of companies that "enforce" this are so far the only lot that ask you this and technically you are lying on the form if you don't tell them

and that means they will charge you extra, i think the link i posted up one guy was nearly £300 worse off by taking the course

 

https://passionford.com/forum/genera...companies.html

there you go

i think you can tell your mrs the same as your last comment

 

found this which may be useful but after just reading it I cant see how admiral get away with it



http://www.acpo.police.uk/documents/...004UNSAC01.pdf

 

saddly more random figures made up by people who shouldn't be giving you false information



A true fact tho, got 6 points , informed insurance company, come renewal time it was £50 less


I would think, its different for everyone by huge amounts sometimes