Speed awareness course and insurance

[lesstatt]

So a pub debate here, if you get caught speeding and do an awareness course so you don't get any points do you have to tell your insurance. As you don't get the points I'm not sure, what's the opinion on here

[xRIEx]

The traffic officer conducting the course I attended said it doesn't need to be declared. However, one insurer I got a quote with specifically asked the question.

From the ABI, discussing the Consumer Insurance Act:

In what circumstances can an insurer still decline a claim on the grounds on non-disclosure?

Under the Act insurers will still be able to decline a claim if it is found that a customer deliberately, recklessly or carelessly gave incorrect or incomplete information when answering questions about their circumstances, so you still have a duty to answer questions correctly. If you are uncertain on any answer, you should contact your insurer broker, or other seller of insurance.


How do I know if I am being ‘careless’, ‘deliberate’ or ‘reckless’ when answering questions from my insurer?

The Act describes each of these concepts and will generally expect you to take reasonable care to avoid misrepresenting your circumstances when answering questions. This means ensuring you do not give information to your insurer that you know is untrue or misleading.

[BlueMR2]

If insurers start to charge extra for those who have been on the course will people go back to taking points and will the government put pressure on insurers/tell them they can't discriminate based on the course to keep there scheme in the profit.

[whoami]

Admiral already do ^^

[PompeyPaul]

A number of insurers now ask if you have any convictions, or if you have attended a speed awareness course.

[EskimoArapaho]

whoami said:

Admiral already do ^^

Indeed. The presenters on my SAC alerted me to it. So I cancelled Admiral's auto-renewal. I saved money anyway (£228 instead of the £280 Admiral wanted for the renewal on the NSX).

[whoami]

EskimoArapaho said:

whoami said:

Admiral already do ^^

Indeed. The presenters on my SAC alerted me to it. So I cancelled Admiral's auto-renewal. I saved money anyway (£228 instead of the £280 Admiral wanted for the renewal on the NSX).

I cancelled too.

[xRIEx]

Do Admiral load the premium or do they just ask the question? I'm with Admiral, confirmed I have attended a course and they were still cheapest.

has any got a quote from them on both bases?

[whoami]

xRIEx said:

Do Admiral load the premium or do they just ask the question?

In my case, both.