dojj

iTrader: (3)

think again if you get done for speeding

one guys been on a speed awareness course and saw his premium go up by £300

http://www.bbc.co.uk/news/uk-20328860

Nath

I can kind of see what the Insurance company are saying, although why didn't they act on it when the courses first started running. I presume it's more for profit than anything else.

It'd be interesting to see how the Police re-act now as the courses seem pretty pointless if your insurance premium rises....

zetec-Sam

iTrader: (2)

Yet again just a money-making move! Cunts!

TommysKeeper

iTrader: (2)

If the insurance rise is the same as it would be for taking the points then people will not take the courses as it costs more than the fine with the points - Really stupid action by Admiral as the course is full of useful info and could/should prevent accidents.

STeve

iTrader: (11)

so how do the insurance company know you have done the course is it stamped on your licence or something, because if this is the case I will stop my son doing the course and tell him to take the 3 points

dojj

iTrader: (3)

it's part of the questionaire they give you before they give you a quote

alongside the "any points or convictions in the last 5 years"

STeve

iTrader: (11)

surely they wont know then unless you admit it Dojj

BigChuck

if you dont tell them and make a claim, do you think they wont check?

zetec-Sam

iTrader: (2)

If they ask that, it's not a point or a conviction, so say no.

STeve

iTrader: (11)

im only thinking along the lines if its not a conviction why must it be declared

BigChuck

you make a cotract with the insurance company, if they ask a specific question and you give a false answer, that then will be grounds to invalidate the policy.

STeve

iTrader: (11)

fair doos, but as the police said in that report there will be no benefit from taking courses if insurers do this so folk will simply take the points and fine and swallow it, always hated admiral insurance and now I know why as they are a bunch of dick turpins

dojj

iTrader: (3)

they ask you specificlly if you have been on a speed awareness course and then you have to tell the truth

they also asking upon renewal

i had endless issues with admiral years and years ago after i had an old bugger reverse into me while i was waiting at a zebra crossing (his house was on the side of the crossing and the entrance to his driveway was there and he reversed out, banged into the side of my, then got out, had a look, then drove his car back in again and then went back into his house cunt) and when the car came back with the bumper a different colour to the door to the bootlid to the quater panel to the roof to everything they spent endless times trying to say it wasn't down to them to sort out and i should take it up with the bodyshop

then they started to say that they were going to cancel my policy and then were sending letters saying that it was illegal to drive around without insurance and it was their legal obligation to inform the police and this went on for 6 months (even though i'd already got insurance from someone else after it ran out with them but according to them i had to renew with them as there was an outstanding claim against me double cunts)

Psycho Warren

iTrader: (5)

how are the insurance companies going to prove you lied?

The police dont publish personal information on those who take speed awareness courses.

insurers have no right of access to PNC data.

Last time i crashed (2007) i had a recent speed awareness course and it didnt show up on the DVLA print out, just my speeding points.

So if its not on your licence record and the insurers dont have right to access police data, then how can they ever find out you did a course unless you admit it???

STeve

iTrader: (11)

exactly the point I was trying to make because if there was no conviction then surely theres nothing to declare

dojj

iTrader: (3)

they will record the conversation

if you lie, they will fuck you in the ass

Psycho Warren

iTrader: (5)

who is "they" dojj?

Unless theyve changed the system since 2007 then it doesnt show up on your driver record held by DVLA.

The companies contracted to run the courses are only allowed to release the info to the police - plus usual data protection restrictions.

its not on any PNC printouts ive seen.

The ACPO database who run the scheme (and check you havent had one in last 3 years and hence eligible for course) only release info to police agencies.

so who holds data that the insurance companies can legally access?

Chaz888

What utter gash I took my brother to a speeding course an was invited by the rozzer to sit in so I did was the normal speed kills fluff but a good course all the same anyhow so dose this mean I should of declaired it ? yer right !

dojj

iTrader: (3)

You are asked the question
You don't tell them
You are involved in an accident
You think they won't want to find out?

BigChuck

I would find it hard to believe that the insurance company would bring something like this in without being able to check on it, I wouldn't be surprised if records were now being kept and being disclosed to the insurance companies

fuzzy

quite right. you speed you pay the price regardless as obvoiusly you are a higher risk.
i do speed myself . im not preaching from a soap box.

Psycho Warren

iTrader: (5)

how are they going to magic the information dojj???

insurers arent above the law when it comes to access to privileged information or government held information.

They are an insurance company NOT GCHQ.

They dont have the resources or time to send a PI to EVERY speed awareness course to gather intel on attendees.

They are not legally allowed to hack electronically (you can register online for these courses) nor are they allowed to intercept your mail.

When checking your DVLA record they usually make you either sign a form giving permission or hold a conference call where you give permission for them to access your driver record.

the database ACPO have had made has NO mechanism for third party access by insurers or any other non-police authorised body.

Making you sign away your rights and getting a subject access request under data protection is too slow for insurance purposes.

They cant get any personal info under Freedom of info laws either.

So how can they know unless you are stupid enough to tell them or admit on a public internet forum that youve done a course recently???


So it would need a change in the system to let them have the access to prove youve done a course.

dingla rs

iTrader: (2)

load of tosh ,iv done the course never signed out wrote my name on out or had my picture took and wouldnt say id been on course even if asked

Rogeyboy

iTrader: (2)

Ditto that.
I dont think its something they can check. The course is actually quite worthwhile too...

Rod-Tarry

They can I found out a friend had been on a course simply by asking. They need to know you attend so its recorded.

Psycho Warren

iTrader: (5)

that'll be a data protection breach at the very least rod

STeve

iTrader: (11)

the thing is if insurers are able to get hold of this information then I can see everyone simply taking the points and a smaller fine, and courses will simply die off and of course if you have 9 points you have no option but the course

Oranoco

To be honest I would rather put my gentlemans parts covered in gravy in a pitbulls mouth than let the useless cunts in the Admiral group insure even my toaster let alone one of my cars.