Speed awareness courses could invalidate your insurance
Discussion
Anyone who's took the speed awareness course, you might need to take a further look into it. http://bit.ly/1QuG96S
Basically if you haven't told your insurer about the course, it results in insurers cancelling your insurance cover!
Basically if you haven't told your insurer about the course, it results in insurers cancelling your insurance cover!
Amy.B said:
Anyone who's took the speed awareness course, you might need to take a further look into it. http://bit.ly/1QuG96S
Basically if you haven't told your insurer about the course, it results in insurers cancelling your insurance cover!
Thats a crock of sBasically if you haven't told your insurer about the course, it results in insurers cancelling your insurance cover!
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I WAS with Admiral multi car, that was until they asked if I'd had any speed awareness courses when I contacted them to get my son on my insurance to drive my Caterham. After sorting out insurance for my son, which was very reasonable, the kind sales person informed me that my overall policy would be increased by £250 on a £650 policy because I had attended a speed awareness course! According to the nice lady (Admiral Insurance) if you've been on a speed awareness course you are more likely to speed than someone who hasn't been on a course! 
I immediately cancelled all my policies with Admiral and renewed with other insurers and found that I actually saved money on my original policy. Not one other insurer, as far as I'm aware, asks the question on line or in person when spoken to on the telephone, if you've been on a course. And as far as I am concerned my circumstances haven't changed, I've NOT been reported for, or convicted of an offence and I DO NOT have any points on my licence. 
I immediately cancelled all my policies with Admiral and renewed with other insurers and found that I actually saved money on my original policy. Not one other insurer, as far as I'm aware, asks the question on line or in person when spoken to on the telephone, if you've been on a course. And as far as I am concerned my circumstances haven't changed, I've NOT been reported for, or convicted of an offence and I DO NOT have any points on my licence. radical78 said:
when you go on a course the police tell you that you do not need to tell youre insurance company
Then they are wrong. End of.A contract of insurance is one of "good faith". You are required to tell your insurer anything that changes the risk you pose to them.
If you have attended a speed awareness course, you have done this as a result of being caught speeding, in lieu of taking the points.
If you don't tell your insurer, and you claim, they are totally within their right to decline your claim.
The original Nick the Greek said:
Then they are wrong. End of.
A contract of insurance is one of "good faith". You are required to tell your insurer anything that changes the risk you pose to them.
If you have attended a speed awareness course, you have done this as a result of being caught speeding, in lieu of taking the points.
If you don't tell your insurer, and you claim, they are totally within their right to decline your claim.
How are we supposed to determine what our insurance provider deems or does not deem to be an increase in risk? My tyres are nearing the wear bars - this means my braking distance is longer than if I had new tyres fitted, would they deem me to be a higher risk too? There should be a regulated set of standards that apply to motor policies which everyone can agree to in advance, not after the fact and not with wildly varying loading to policy's. What a joke this industry is. A contract of insurance is one of "good faith". You are required to tell your insurer anything that changes the risk you pose to them.
If you have attended a speed awareness course, you have done this as a result of being caught speeding, in lieu of taking the points.
If you don't tell your insurer, and you claim, they are totally within their right to decline your claim.
Just been on one and guys running the course said Admiral were the only insurers they knew of who asked the question and would increase your premium ( heated debate ensued about the logic of that ! ) added caveat that if asked you had to declare it .
so in summary- watch out for the cameras in warwick bridge
so in summary- watch out for the cameras in warwick bridge
T0M said:
How are we supposed to determine what our insurance provider deems or does not deem to be an increase in risk? My tyres are nearing the wear bars - this means my braking distance is longer than if I had new tyres fitted, would they deem me to be a higher risk too? There should be a regulated set of standards that apply to motor policies which everyone can agree to in advance, not after the fact and not with wildly varying loading to policy's. What a joke this industry is.
Work on the assumption that everything will bring an increase in risk. You won't go far wrong.The original Nick the Greek said:
...If you have attended a speed awareness course, you have done this as a result of being caught speeding, in lieu of taking the points...
Not necessarily. Many people take the course instead of contesting the allegation in court, where the cards are stacked against them for an even tougher penalty. They are not a higher insurance risk.Jacobyte said:
Not necessarily. Many people take the course instead of contesting the allegation in court, where the cards are stacked against them for an even tougher penalty. They are not a higher insurance risk.
Incorrect.If you are offered a speed awareness course, it is in lieu of taking points. Ergo, you are a higher risk.
Your chances of successfully contesting a speeding offence in court are little more than zero.
Your chances of coming away with more points and a larger fine are quite real.
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