48mph in a 40 zone

[F10RRSVR]

Hello

I have been caught at 48mph in a 40 zone

What will they throw at me? The book?

I'm hoping to do a SAC since this is my first incident since I started driving 7 years ago

Am I in the threshold for the course?

[agtlaw]

F10RRSVR said:

Am I in the threshold for the course?

Yes.

[Pica-Pica]

agtlaw said:

F10RRSVR said:

Am I in the threshold for the course?

Yes.

Just hope you are not in one of those insurance companies that require you to declare the SAC. Most don’t require that, but there a few that do.

[martinbiz]

I have often wondered how any insurance company could know if you had done one or not, not sure there is any possible legal route for them to collect that information

[BertBert]

Pica-Pica said:

Just hope you are not in one of those insurance companies that require you to declare the SAC. Most don’t require that, but there a few that do.

I believe there was just Admiral (and perhaps others in that group). They no longer require you to declare SACs. They've stopped asking.
Bert

[LosingGrip]

martinbiz said:

I have often wondered how any insurance company could know if you had done one or not, not sure there is any possible legal route for them to collect that information

There isn't, but will need to declare it still if asked (insurance fraud otherwise).

[bad company]

LosingGrip said:

martinbiz said:

I have often wondered how any insurance company could know if you had done one or not, not sure there is any possible legal route for them to collect that information

There isn't, but will need to declare it still if asked (insurance fraud otherwise).

You only need to declare the course on renewal. That’s the time to insure elsewhere.

[TwigtheWonderkid]

martinbiz said:

I have often wondered how any insurance company could know if you had done one or not, not sure there is any possible legal route for them to collect that information

You will tell them when you have a claim. That's the trouble with lying, you need to recall what lies you told a long time later when you make a claim and they ask you.

[martinbiz]

BertBert said:

Pica-Pica said:

Just hope you are not in one of those insurance companies that require you to declare the SAC. Most don’t require that, but there a few that do.

I believe there was just Admiral (and perhaps others in that group). They no longer require you to declare SACs. They've stopped asking.
Bert

Thats kind of my point, I'm not debating the rights or wrongs, we all know what is the correct thing to do. Checking on convictions, accidents etc is readily available information for them, sac's not so, maybe why they are starting not to ask anymore.

Edited by martinbiz on Tuesday 24th September 22:26

[anonymous-user]

martinbiz said:

I have often wondered how any insurance company could know if you had done one or not, not sure there is any possible legal route for them to collect that information

Ah the great leach scam. Sitting a SAC actually makes you a better driver, so I would tell the insurance company, as in 99.9% of all cases absolutely nothing. A disgusting bunch of robbing ball bags who are about as moral as an unmoral thing.

[bad company]

yonex said:

Ah the great leach scam. Sitting a SAC actually makes you a better driver, so I would tell the insurance company, as in 99.9% of all cases absolutely nothing. A disgusting bunch of robbing ball bags who are about as moral as an unmoral thing.

So lying to the insurance company or withholding information is moral?

[anonymous-user]

bad company said:

So lying to the insurance company or withholding information is moral?

Change companies, says everything that an insurance agency would penalise a driver for a SAC. Bottom feeders.

[faa77]

martinbiz said:

Checking on convictions, accidents etc is readily available information for them

Don't GDPR and Data Protection Act prevent this?

A private company cannot just go and trawl through your criminal record

[parabolica]

faa77 said:

martinbiz said:

Checking on convictions, accidents etc is readily available information for them

Don't GDPR and Data Protection Act prevent this?

A private company cannot just go and trawl through your criminal record

If it's for a legitimate purpose they can, and the insurance quotes will often have you tick the T&C box that will include your consent for them to carry out required background checks to validate the information you are giving them. GDPR doesn't mean all your information is private and not available to anyone, it's about how it is stored and controlled.

[anonymous-user]

So can insurance companies find out if you’ve attended a SAC?

[cheesesliceking]

yonex said:

So can insurance companies find out if you’ve attended a SAC?

On the one i attended i was told no, they cannot.

[anonymous-user]

Exactly what I was told. Therefore, say nothing and if you’re using that pile of ste Admiral, change at renewal

[TwigtheWonderkid]

If the company that charge you extra for an SAC still come out lower than a company that doesn't, should you still change?

[TwigtheWonderkid]

yonex said:

Change companies, says everything that an insurance agency would penalise a driver for a SAC. Bottom feeders.

Exactly how does an insurance agency charge for an SAC? I thought Insurers set the rate, the agency or broker, if you use one, has no input into that decision?

[anonymous-user]

TwigtheWonderkid said:

Exactly how does an insurance agency charge for an SAC? I thought Insurers set the rate, the agency or broker, if you use one, has no input into that decision?

Why would a company ask, it’s pretty obvious it’ll count against you, unless hell has frozen over and they’re sending out congratulatory cards