Points/Insurance
Discussion
Due to take a speed course for the 1st time in a couple of weeks, about a month after that the insurance is due, now that I won't be getting points does it still go against my insurance, do I declare them even though I don't get them?
Sorry if it's on here somewhere did have a quick look !
Sorry if it's on here somewhere did have a quick look !
Had a SAC a few weeks back, boring as hell and worrying in equal measure but I won't go into that.
I was renewing my policy with Aviva 3 days after the course, and they didn't ask, so they weren't told.
I may be wrong, but I understand that insurers are no longer allowed to use open types of questions, such as "anything you feel we should know?" It could be wrong, so I'd wait for someone with a bigger brain than me confirm that, before taking it as solid advice.
I was renewing my policy with Aviva 3 days after the course, and they didn't ask, so they weren't told.
I may be wrong, but I understand that insurers are no longer allowed to use open types of questions, such as "anything you feel we should know?" It could be wrong, so I'd wait for someone with a bigger brain than me confirm that, before taking it as solid advice.
Blanchimont said:
I may be wrong, but I understand that insurers are no longer allowed to use open types of questions, such as "anything you feel we should know?" It could be wrong, so I'd wait for someone with a bigger brain than me confirm that, before taking it as solid advice.
No, you're not wrong. They now need to ask for the specific info they want. Nobody cares about SACs, apart from the Admiral Group.A few months after I attended a speed awareness course I renewed my Admiral policy and they specifically asked me if I had been on a SAC so said yes.They told me they treat going on the course the same as 3 points and that would be a set figure of £43 extra please.
The Admiral group of companies all do this where as most other insurance companies know that after you have done the course you will probably be a better driver so no need to punish you.
I am no longer with Admiral but my wife is and this is an example of how they operate.My wjfe insurance ends in May and bought a new car yesterday so I rang Admiral and to have previously insured with them a group 25 vehicle and changing it for he new 11 group insurance I had to pay an extra £33.18,would have thought they would be giving me money back.She will not be renewing her policy.
I think it is quite amusing the people on here who say they did not learn anything,it was boring etc when they have attended a SAC course as that is bo11ocks and these people are the ones that in reality learn the most as if you go with an open mind you will learn a lot.
The Admiral group of companies all do this where as most other insurance companies know that after you have done the course you will probably be a better driver so no need to punish you.
I am no longer with Admiral but my wife is and this is an example of how they operate.My wjfe insurance ends in May and bought a new car yesterday so I rang Admiral and to have previously insured with them a group 25 vehicle and changing it for he new 11 group insurance I had to pay an extra £33.18,would have thought they would be giving me money back.She will not be renewing her policy.
I think it is quite amusing the people on here who say they did not learn anything,it was boring etc when they have attended a SAC course as that is bo11ocks and these people are the ones that in reality learn the most as if you go with an open mind you will learn a lot.
Edited by btcc123 on Friday 8th January 14:38
Blanchimont said:
I may be wrong, but I understand that insurers are no longer allowed to use open types of questions, such as "anything you feel we should know?" It could be wrong, so I'd wait for someone with a bigger brain than me confirm that, before taking it as solid advice.
https://www.abi.org.uk/Insurance-and-savings/Tools-and-resources/How-to-buy-insurance/What-the-Consumer-Insurance-Act-means-for-customersABI said:
From 6th April (2013), your insurer will have to ask you specific questions to obtain relevant information about your circumstances when you buy insurance. The Consumer Insurance Act will give you legal protection if you unknowingly give incorrect or incomplete information to your insurer. This means your insurer will not be able to decline a claim on the grounds off non-disclosure unless you carelessly or deliberately lied or misrepresented your circumstances.
Insurers can no longer ask open questions at new business stage and must specifically ask you about all details they require. The issue comes at the renewal stage. It is your obligation to inform them of any changes in your circumstances which differ to those declared on the inception proposal form/statement of facts. You will have a condition in your original policy documents that states this.
Please do not RENEW your policy thinking" I have picked up a speeding fine but they have not asked me about it so I will be ok"
Please do not RENEW your policy thinking" I have picked up a speeding fine but they have not asked me about it so I will be ok"
Red Leader said:
Insurers can no longer ask open questions at new business stage and must specifically ask you about all details they require. The issue comes at the renewal stage. It is your obligation to inform them of any changes in your circumstances which differ to those declared on the inception proposal form/statement of facts. You will have a condition in your original policy documents that states this.
Please do not RENEW your policy thinking" I have picked up a speeding fine but they have not asked me about it so I will be ok"
Please do not RENEW your policy thinking" I have picked up a speeding fine but they have not asked me about it so I will be ok"
in the 3 years, and 4 policies i've taken out I've never renewed with the insurer, as it's always been cheaper to go back to them as a new customer.
Blanchimont said:
Red Leader said:
Insurers can no longer ask open questions at new business stage and must specifically ask you about all details they require. The issue comes at the renewal stage. It is your obligation to inform them of any changes in your circumstances which differ to those declared on the inception proposal form/statement of facts. You will have a condition in your original policy documents that states this.
Please do not RENEW your policy thinking" I have picked up a speeding fine but they have not asked me about it so I will be ok"
Please do not RENEW your policy thinking" I have picked up a speeding fine but they have not asked me about it so I will be ok"
in the 3 years, and 4 policies i've taken out I've never renewed with the insurer, as it's always been cheaper to go back to them as a new customer.
It's not held in a database that admiral have access to so they work on the basis you volunteer this information. Having said that I would never advise any to lie to their insurers. I know someone who claimed last year without telling admiral and they paid out end never found about their sac.
Just another excuse to put your premium up!
What's next have you been stopped by police and had words about your driving mr policy holder?
Admiral are somethings else started chipping my car on mot advisory and then I went through the last 12 months the bills and they said we don't take those into account. I said well stop counting the mot advisories then!
As far as I know admiral are the only one who ask.
Just another excuse to put your premium up!
What's next have you been stopped by police and had words about your driving mr policy holder?
Admiral are somethings else started chipping my car on mot advisory and then I went through the last 12 months the bills and they said we don't take those into account. I said well stop counting the mot advisories then!
As far as I know admiral are the only one who ask.
surveyor_101 said:
It's not held in a database that admiral have access to so they work on the basis you volunteer this information. Having said that I would never advise any to lie to their insurers. I know someone who claimed last year without telling admiral and they paid out end never found about their sac.
Just another excuse to put your premium up!
Different insurance companies have different rating criteria. Some charge for one speeding offence, others don't. Some rate certain postcodes higher than another insurer may rate them. Some charge for a fault claim, others don't. Ultimately, what's the premium and terms? If those are competitive, it doesn't matter if they've charged for SACs, left handedness or being a Gemini. Just another excuse to put your premium up!
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