Speed awareness - notifying insurance
Discussion
RSoovy4 said:
nonuts said:
littlebasher said:
Since there is no possible way for the insurance companies to find out whether you've been on a SAC or not, what incentive is there to tell them?
Because what's to say the speed awareness folks haven't sent one hell of a long list to the insurance companies, then I write off my car through no fault of my own and they invalidate my insurance?I really don't get people that don't want to be 100% sure there insurance is valid, it's almost as bad as just not bothering with insurance in the first place.
nonuts said:
Because what's to say the speed awareness folks haven't sent one hell of a long list to the insurance companies, then I write off my car through no fault of my own and they invalidate my insurance?
I really don't get people that don't want to be 100% sure there insurance is valid, it's almost as bad as just not bothering with insurance in the first place.
It wasn't a statement, simply a question.I really don't get people that don't want to be 100% sure there insurance is valid, it's almost as bad as just not bothering with insurance in the first place.
I imagine the DPA would prevent such information being shared What avenues to insurers have to verify how many points are on your license other than requesting a copy. Do the DVLA share this information with them?
littlebasher said:
nonuts said:
Because what's to say the speed awareness folks haven't sent one hell of a long list to the insurance companies, then I write off my car through no fault of my own and they invalidate my insurance?
I really don't get people that don't want to be 100% sure there insurance is valid, it's almost as bad as just not bothering with insurance in the first place.
It wasn't a statement, simply a question.I really don't get people that don't want to be 100% sure there insurance is valid, it's almost as bad as just not bothering with insurance in the first place.
I imagine the DPA would prevent such information being shared What avenues to insurers have to verify how many points are on your license other than requesting a copy. Do the DVLA share this information with them?
It's called non-disclosure and could well end up with you being left with a large bill in the event of an accident.
littlebasher said:
nonuts said:
Because what's to say the speed awareness folks haven't sent one hell of a long list to the insurance companies, then I write off my car through no fault of my own and they invalidate my insurance?
I really don't get people that don't want to be 100% sure there insurance is valid, it's almost as bad as just not bothering with insurance in the first place.
It wasn't a statement, simply a question.I really don't get people that don't want to be 100% sure there insurance is valid, it's almost as bad as just not bothering with insurance in the first place.
I imagine the DPA would prevent such information being shared What avenues to insurers have to verify how many points are on your license other than requesting a copy. Do the DVLA share this information with them?
Duh!
littlebasher said:
It wasn't a statement, simply a question.
I imagine the DPA would prevent such information being shared What avenues to insurers have to verify how many points are on your license other than requesting a copy. Do the DVLA share this information with them?
If they don't now, they will soon. (I have it in my head that insurers can get the information at the moment, but as they have no direct access to the database the process of getting it costs time and money, so they only tend to do it when you make claim. I could be wrong on that point though).I imagine the DPA would prevent such information being shared What avenues to insurers have to verify how many points are on your license other than requesting a copy. Do the DVLA share this information with them?
As far as speed awareness courses go, as far as lying to your insurer goes you're probably more likely to get away with lying about them than you are lying about a lot of other things. That doesn't mean it's OK though, or reduce the consequences if you do get caught.
RSoovy4 said:
littlebasher said:
nonuts said:
Because what's to say the speed awareness folks haven't sent one hell of a long list to the insurance companies, then I write off my car through no fault of my own and they invalidate my insurance?
I really don't get people that don't want to be 100% sure there insurance is valid, it's almost as bad as just not bothering with insurance in the first place.
It wasn't a statement, simply a question.I really don't get people that don't want to be 100% sure there insurance is valid, it's almost as bad as just not bothering with insurance in the first place.
I imagine the DPA would prevent such information being shared What avenues to insurers have to verify how many points are on your license other than requesting a copy. Do the DVLA share this information with them?
Duh!
I wasn't trying to advocate a course of action here, just posing the question!
littlebasher said:
RSoovy4 said:
littlebasher said:
nonuts said:
Because what's to say the speed awareness folks haven't sent one hell of a long list to the insurance companies, then I write off my car through no fault of my own and they invalidate my insurance?
I really don't get people that don't want to be 100% sure there insurance is valid, it's almost as bad as just not bothering with insurance in the first place.
It wasn't a statement, simply a question.I really don't get people that don't want to be 100% sure there insurance is valid, it's almost as bad as just not bothering with insurance in the first place.
I imagine the DPA would prevent such information being shared What avenues to insurers have to verify how many points are on your license other than requesting a copy. Do the DVLA share this information with them?
Duh!
I wasn't trying to advocate a course of action here, just posing the question!
The DVLA and the insurance industry is not some nudge-nudge-wink-wink old boys' club.
Either insurers will have access to a database containing SAC attendance or they won't.
Perhaps somebody from the insurance industry, such as LoonR1, can comment but I see only references to insurance industry access to convictions. Attendance at a SAC is not a conviction and is therefore not likely to be included in any DVLA database to which insurers have access to, which they do not seem to have until 2014 anyway.
If insurers even after 2014 do not have access to a SAC attendance database, then it doesn't matter what questions they ask as there are no consequences for not telling them.
Either insurers will have access to a database containing SAC attendance or they won't.
Perhaps somebody from the insurance industry, such as LoonR1, can comment but I see only references to insurance industry access to convictions. Attendance at a SAC is not a conviction and is therefore not likely to be included in any DVLA database to which insurers have access to, which they do not seem to have until 2014 anyway.
If insurers even after 2014 do not have access to a SAC attendance database, then it doesn't matter what questions they ask as there are no consequences for not telling them.
creampuff said:
If insurers even after 2014 do not have access to a SAC attendance database, then it doesn't matter what questions they ask as there are no consequences for not telling them.
You are suggesting that because they have no way of finding out the truth, you are not obligated to tell the truth. That seems a strange thought process.Plus, if you have a claim in the future, and they ask you again, you'll have to remember that you lied. If it's a serious accident involving death or injury, you might have better things to think about than remembering what lies you told your insurer ages ago!
creampuff said:
The DVLA and the insurance industry is not some nudge-nudge-wink-wink old boys' club.
Either insurers will have access to a database containing SAC attendance or they won't.
Perhaps somebody from the insurance industry, such as LoonR1, can comment but I see only references to insurance industry access to convictions. Attendance at a SAC is not a conviction and is therefore not likely to be included in any DVLA database to which insurers have access to, which they do not seem to have until 2014 anyway.
If insurers even after 2014 do not have access to a SAC attendance database, then it doesn't matter what questions they ask as there are no consequences for not telling them.
The DVLA have nothing to do with running or recording SACs. I posted that link in response to a question about convictions.Either insurers will have access to a database containing SAC attendance or they won't.
Perhaps somebody from the insurance industry, such as LoonR1, can comment but I see only references to insurance industry access to convictions. Attendance at a SAC is not a conviction and is therefore not likely to be included in any DVLA database to which insurers have access to, which they do not seem to have until 2014 anyway.
If insurers even after 2014 do not have access to a SAC attendance database, then it doesn't matter what questions they ask as there are no consequences for not telling them.
highflyer said:
You do not have to notify your insurance co that you have attended a SAC you have attended it, so as not to get the points or the fine, they tell you that at the end of the SAC.
You don't have to volunteer the infomation, as you would do with a conviction, but if you are asked about a SAC, you must disclose it.highflyer said:
You do not have to notify your insurance co that you have attended a SAC you have attended it, so as not to get the points or the fine, they tell you that at the end of the SAC.
If they tell you that they're talking b
ks. This advice was always dubious being caught speeding and attensing a SAC is a material fact which you have to tell your insurer about if they ask, but in the past it was at least sort of true as insurers typically did not ask. Now that several insurers do ask I believe (hope!) that they've stopped telling attendees this.I've just been doing some quotes and noticed the question does directly ask about it now:
"Do you have any motoring offences in the last five years, including fixed penalties, convictions, driver awareness course or disqualifications or have any pending prosecution?"
My insurance went up by £20, for a 20 year old on a Corsa. An SP30 increases the premium by £40. If it's as little as that and the question is directly asked you may as well declare it imo.
"Do you have any motoring offences in the last five years, including fixed penalties, convictions, driver awareness course or disqualifications or have any pending prosecution?"
My insurance went up by £20, for a 20 year old on a Corsa. An SP30 increases the premium by £40. If it's as little as that and the question is directly asked you may as well declare it imo.
TwigtheWonderkid said:
You are suggesting that because they have no way of finding out the truth, you are not obligated to tell the truth. That seems a strange thought process.
I am not suggesting that at all; I'm pointing out that if it is not possible for an insurer to establish if you have or have not been on a SAC, then a negative answer from a policy holder will have no consequences for them. A persons own moral compass and how they choose to answer is up to them.highflyer said:
Ok rephrase you don't have to volunteer the info but IF asked obviously you will have to declare it but it should'nt effect your insurance, just had my renewal and only asked fixed penalties, convictions, disqualifications, pending prosecution or ccj's in the past 5 years,
Mine did.Was your renewal with Admiral (or another part of their group)?
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