Speed awareness - notifying insurance
Discussion
bad company said:
dododo said:
After reading this thread I 'fessed up to Admiral about a SAC I did in 2011. Am now £180 worse off 
Why didn't you tell them in the first place or better still insure elsewhere?Having known what I know now I would probably have taken the 3 points and paid the fine. Would have been cheaper than the £95 course plus losing four hours on a Saturday morning at the course. Assuming, of course, that my insurance would not have gone up by more than £180.
dododo said:
Agreed, am happier overall as I'm insured. Why didn't I tell them in the first place? Well, the AA guy that ran the course specifically said that if they ask I shouldn't tell. The insurance company is not entitled to the knowledge etc. etc.
I don't know if the course has changed, or if perhaps you misunderstood, but on the course I attended the chap said that you do not need to volunteer the information to an insurer. However, if they explicitly ask (ie. it is a condition of the insurance) then you must tell them as otherwise it is non-disclosure which is grounds for them refusing a claim. Currently the only group specifically asking is Admiral group and it remains to be seen if they persist with this or drop the requirement. Edited by JonRB on Friday 20th June 14:39
Not sure Admiral's policy re SAC's is doing them any good.
http://www.hl.co.uk/shares/market-reports/market-r...
http://www.hl.co.uk/shares/market-reports/market-r...
I just got caught out by this. Wanted to add my other car to my existing elephant policy so as to create a multicar policy and was asked if I'd had any convictions, points or attended any speed awareness courses.
I initially answered no, but after asking the rep to repeat the question to ensure she asked about SACs I then decided to declare my SAC from July 2014. The quote went up from £191 to £273!!
I'm now debating whether I should've declared it at all if it was going to save me £80 odd but I also feel comfortable knowing that I've declared 100% truth.
I initially answered no, but after asking the rep to repeat the question to ensure she asked about SACs I then decided to declare my SAC from July 2014. The quote went up from £191 to £273!!
I'm now debating whether I should've declared it at all if it was going to save me £80 odd but I also feel comfortable knowing that I've declared 100% truth.
tom6195 said:
I'm now debating whether I should've declared it at all if it was going to save me £80 odd but I also feel comfortable knowing that I've declared 100% truth.
If you fail to declare something that is part of the T&Cs of insurance then they would have grounds for refusing a claim if it came out later, or even saying your insurance is null and void, in which case it's conceivable that you could then be prosecuted for driving without insurance. It's never worth lying to an insurer. ClockworkCupcake said:
If you fail to declare something that is part of the T&Cs of insurance then they would have grounds for refusing a claim if it came out later, or even saying your insurance is null and void, in which case it's conceivable that you could then be prosecuted for driving without insurance. It's never worth lying to an insurer.
Sure I understand that. I think I'm at peace with the disclosure of my SAC and the hike in premium. However I feel like I may have opened up a separate can of worms.Both of my vehicles are pretty high-spec and have a ton of extras but I haven't declared any of them with elephant. Apparently they require you to disclose them but as far as I'm concerned my extras form a part of their model from the factory (Giulietta Sportiva Nav and Tiguan R Line Nav).
Do I really need to list each of the toys the cars have?
tom6195 said:
Sure I understand that. I think I'm at peace with the disclosure of my SAC and the hike in premium. However I feel like I may have opened up a separate can of worms.
Both of my vehicles are pretty high-spec and have a ton of extras but I haven't declared any of them with elephant. Apparently they require you to disclose them but as far as I'm concerned my extras form a part of their model from the factory (Giulietta Sportiva Nav and Tiguan R Line Nav).
Do I really need to list each of the toys the cars have?
A modification is everything over and above standard specification for the vehicle for many insurers. Options can vastly increase the price of the end vehicle (more so with more and more technical innovations).Both of my vehicles are pretty high-spec and have a ton of extras but I haven't declared any of them with elephant. Apparently they require you to disclose them but as far as I'm concerned my extras form a part of their model from the factory (Giulietta Sportiva Nav and Tiguan R Line Nav).
Do I really need to list each of the toys the cars have?
Brutally this is one of the biggest issues with cheaper insurers is they have many ways to increase the premium, where as those that are more pricey to start with tend to have a more relaxed approach (LV for example do not take into account factory fitted and prior to first registration optional extras as a modification).
But it is ultimately up to your own feelings of whether the level of cover on offer is suitable v cost. However in my tests of many most work out very very similar cost wise if you begin getting the level of cover on offer to similar levels.
tom6195 said:
Eeek that's not the glowing review I was hoping for. I'm now tempted to cancel my policy altogether and go with direct line for a multicar policy.
Still have to declare all optional extras with Direct Line and having seen their most recent Master Data Management implementation they are a nightmare...joe_90 said:
Jakg said:
nonuts said:
2)Does the speed awareness course actually count as a conviction?
No.Admiral ask, but don't charge extra for it. Yet!
Moderator edit: no naming & shaming please
Edited by jeremyc on Monday 24th October 16:38
t.My original reply was removed.
Do check that any insurer you choose allows you to have your car repaired at a dealer of your choice. Some that have been referenced here get you to use backstreet type outfits as it saves them a few quid. If you want to use a franchised approved bodyshop then they ask you to pay the difference. I had one such conversation with Admiral on the phone - a nice young man called Dylan who quadruple checked for me! For this reason I declined to go with them. This is 100% fact not conjuncture or naming and shaming. Useful fact for any pistonhead choosing an insurer and should not be censored!
Do check that any insurer you choose allows you to have your car repaired at a dealer of your choice. Some that have been referenced here get you to use backstreet type outfits as it saves them a few quid. If you want to use a franchised approved bodyshop then they ask you to pay the difference. I had one such conversation with Admiral on the phone - a nice young man called Dylan who quadruple checked for me! For this reason I declined to go with them. This is 100% fact not conjuncture or naming and shaming. Useful fact for any pistonhead choosing an insurer and should not be censored!
tom6195 said:
It was the cheapest at the time, - I'm now regretting going with them
Are there any companies who don't ask you for specifics re: optional extras?
Aviva, LV, Hiscox (from memory) are the ones that I have come across that are fine in regards to optional extras...flipside is the base price is more.Are there any companies who don't ask you for specifics re: optional extras?
Good point in regards to being able to choose your own, but watch Aviva they have an additional excess of £200 to choose your own repairer (on top of your regular one)...
Edited by Ninja59 on Monday 24th October 17:37
Ken Figenus said:
My original reply was removed.
Do check that any insurer you choose allows you to have your car repaired at a dealer of your choice. Some that have been referenced here get you to use backstreet type outfits as it saves them a few quid. If you want to use a franchised approved bodyshop then they ask you to pay the difference. I had one such conversation with Admiral on the phone - a nice young man called Dylan who quadruple checked for me! For this reason I declined to go with them. This is 100% fact not conjuncture or naming and shaming. Useful fact for any pistonhead choosing an insurer and should not be censored!
Who did you end up going with in the end?Do check that any insurer you choose allows you to have your car repaired at a dealer of your choice. Some that have been referenced here get you to use backstreet type outfits as it saves them a few quid. If you want to use a franchised approved bodyshop then they ask you to pay the difference. I had one such conversation with Admiral on the phone - a nice young man called Dylan who quadruple checked for me! For this reason I declined to go with them. This is 100% fact not conjuncture or naming and shaming. Useful fact for any pistonhead choosing an insurer and should not be censored!
We use LV and Locktons (Chubb) - not cheaper than the one in question but definitely better in key areas of cover and less small print shenanigans.
It really irritates me as ordinary decent people can get clobbered come claim time as they get drowned in small print and get caught out for not declaring the Harman Kardon speakers or something. In fact even LV snuck something in on renewal this year - I think it was excluding default European use. Now that would have been fun to find out whilst abroad, as, on initial research, not having it would have been a deal-breaker so I did take it for granted. But I'm odd and mistrusting and read the small print...every time.
It really irritates me as ordinary decent people can get clobbered come claim time as they get drowned in small print and get caught out for not declaring the Harman Kardon speakers or something. In fact even LV snuck something in on renewal this year - I think it was excluding default European use. Now that would have been fun to find out whilst abroad, as, on initial research, not having it would have been a deal-breaker so I did take it for granted. But I'm odd and mistrusting and read the small print...every time.
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