Insurance and SAC advice

[Derwins Revenge]

Hi, I'm not intending to open up a can of worms here, but just wondered if any legal or insurance types can advise whether a speed awareness course should be declared on my insurance proposal statement of fact, where the wording is this:

Driving History:
Have you or any person who may drive: Been convicted of any motoring offence, had driving licence endorsements, including fixed penalty, or have you been disqualified from driving within the last five years or is there any prosecution pending for any motoring offence?

So I'm not sure whether I need to declare as I don't know if I am 'convicted' if I have taken the course as opposed to points/fine. The table below where you add details has fields for fine, penalty points and disqual. period, so there would be nothing to go in there.

Hoping not to start a moral argument here - if I should declare it I will. I just wanted to clarify if a SAC falls under a yes answer to the above. I'm quite sure it doesn't but could easily be wrong.

Thanks

[firemunki]

I just got my insurance and, like you, there wasn't a SAC option so I called Tesco Insurance up who said they didn't matter. I didn't think they did but for piece of mind I wanted to hear it from a real person!

[Aretnap]

You only have to answer the question which is asked. You have not been convicted of anything, nor did you have your licence endorsed, nor were you disqualified from driving, and assuming that you didn't act like an arse and get chucked of the course there is no prosecution pending. So the correct answer is "no". If insurers do want to know about speed awareness courses (AFAIK Admiral are the only one that does) they'll include specific reference to them in the question.

[Derwins Revenge]

Thanks for the replies - thought as much myself but wasn't quite sure if SAC = conviction. Cheers

[Cooperman]

A conviction is where you get fined, or pay an offer of fixed penalty, and receive points. If you go to court, are found guilty but receive no points, it is still a conviction & should be declared.

[LoonR1]

Derwins Revenge said:

Hi, I'm not intending to open up a can of worms here, but just wondered if any legal or insurance types can advise whether a speed awareness course should be declared on my insurance proposal statement of fact, where the wording is this:

Driving History:
Have you or any person who may drive: Been convicted of any motoring offence, had driving licence endorsements, including fixed penalty, or have you been disqualified from driving within the last five years or is there any prosecution pending for any motoring offence?

So I'm not sure whether I need to declare as I don't know if I am 'convicted' if I have taken the course as opposed to points/fine. The table below where you add details has fields for fine, penalty points and disqual. period, so there would be nothing to go in there.

Hoping not to start a moral argument here - if I should declare it I will. I just wanted to clarify if a SAC falls under a yes answer to the above. I'm quite sure it doesn't but could easily be wrong.

Thanks

No you don't. Nor does anyone else unless the specific question is asked about SACs. Currently EUI (Admiral and their multiple brands) are the only ones asking. As they ask specifically, you must declare or face a reduced payout / voidance of your policy in line with the Consumer Insurance Act which came into force in April 2013.

Edited by LoonR1 on Friday 9th May 09:02

[calibrax]

LoonR1 said:

No you don't. Nor does anyone else unless the pacific question is asked about SACs

It's more of an Atlantic question. Much nearer.

https://www.youtube.com/watch?v=c3y0CD2CoCs
(skip to 45 seconds)

[LoonR1]

calibrax said:

It's more of an Atlantic question. Much nearer.

https://www.youtube.com/watch?v=c3y0CD2CoCs
(skip to 45 seconds)

Bloody iPad. I absolutely despise people saying "pacific" when they mean "specific"

I shall now go and torture myself for the use of autocorrect amd not proof reading. :getmycoat: