Originally posted by BolshieBastard
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Admiral and speed awareness course
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How fortunate for governments that the people they administer don't think -
Originally posted by SueEllen View PostShelia's Wheels are part of the ESure group of brands.
Admiral include Bell and Elephant.
Admiral group brands are here linky
Esure brands are here linky
It's actually quite easy to find out the brand of companies for an insurer even if you have never had a contract with one of them, as they tend to have the same address or state somewhere in their website/literature what brand of company they fall under.
They actually can't find out if you don't declare it. Some people have managed to get on two courses even though they should have been given the points the second time, while others have been forced to go on two courses for the same points. So you have to keep your receipt if you go on one of those courses to prove you have been on it.
However personally because I had another issue with Admiral Group a long time ago I would never be insured by any of their brands again. When an insurer is much cheaper than the rest of your quotes there is a reason and that reason is either they are new to the market and trying to gain market share, or they have very poor customer service.I couldn't give two fornicators! Yes, really!Comment
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Originally posted by BolshieBastard View Postinteresting. We're with admiral due to 3 cars plus added son to create his own NCB as a named driver which Admiral companies accept.
The difference is that Admiral group give you an accelerated NCB e.g. 10 months is equal to a year for them."You’re just a bad memory who doesn’t know when to go away" JRComment
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Originally posted by BolshieBastard View PostIm pretty sure Admiral told me a named driver earning a NCB on their policy would have it recognised by any co in their group and specifically mentioned SW. Could be wrong though, it was a few years ago."You’re just a bad memory who doesn’t know when to go away" JRComment
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bloggoth
If everything isn't black and white, I say, 'Why the hell not?'
John Wayne (My guru, not to be confused with my beloved prophet Jeremy Clarkson)Comment
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Originally posted by xoggoth View Post
As an insurance professional, I can confirm that this entire article is a load of rubbish. you DO NOT have to disclose a speed awareness course to an insurer. Your premium is effected by the presence of a speeding CONVICTION. Not the attendance of a course.
I'd be very interested to hear where this Ian Belchamber chap got this "information". And the fact that he is an "anti speed camera campaigner" says a lot about him as a driver and person. There is a very simple solution to all of this: don't go over the speed limit, and if you do, take it on the chin and accept responsibility for your own actions rather than jumping on the age old bandwagon of "the police/government/corporations/rich are out to get you.Comment
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Originally posted by xoggoth View PostHow fortunate for governments that the people they administer don't thinkComment
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Originally posted by BrilloPad View PostComment from the article :-
As an insurance professional, I can confirm that this entire article is a load of rubbish. you DO NOT have to disclose a speed awareness course to an insurer. Your premium is effected by the presence of a speeding CONVICTION. Not the attendance of a course.
I'd be very interested to hear where this Ian Belchamber chap got this "information". And the fact that he is an "anti speed camera campaigner" says a lot about him as a driver and person. There is a very simple solution to all of this: don't go over the speed limit, and if you do, take it on the chin and accept responsibility for your own actions rather than jumping on the age old bandwagon of "the police/government/corporations/rich are out to get you.
The SA course is a consequence of speeding. Like T&C's in our contracts, if its in the insurance policy that you must declare then by not doing so, you run the risk of invalidating your policy and cover.
If your policy doesnt have the condition, then you dont need to declare. But, how many drivers fully read or get a professional to review the policy for such wording?I couldn't give two fornicators! Yes, really!Comment
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Originally posted by BrilloPad View PostComment from the article :-
As an insurance professional, I can confirm that this entire article is a load of rubbish. you DO NOT have to disclose a speed awareness course to an insurer. Your premium is effected by the presence of a speeding CONVICTION. Not the attendance of a course.
I'd be very interested to hear where this Ian Belchamber chap got this "information". And the fact that he is an "anti speed camera campaigner" says a lot about him as a driver and person. There is a very simple solution to all of this: don't go over the speed limit, and if you do, take it on the chin and accept responsibility for your own actions rather than jumping on the age old bandwagon of "the police/government/corporations/rich are out to get you.Comment
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Originally posted by BolshieBastard View PostLOL so you'd believe a comment from someone in the paper!?
The SA course is a consequence of speeding. Like T&C's in our contracts, if its in the insurance policy that you must declare then by not doing so, you run the risk of invalidating your policy and cover.
Also I read this the other day.
I took policies out with Egg for a few years (before they left the insurance market) and they were not interested in what I did as long as I was not in one of the risky professions on their list. Their risk profile was calculated on age, location, where you parked your car, mileage etc as they didn't insure people who were in a risky profession.
Point I'm making different insurers have different risk profiles. Admiral group don't want anyone who wasn't born in the UK, is at risk of getting a conviction, has had no-fault accidents or, in my case, lives in my location.
Originally posted by BolshieBastard View PostIf your policy doesnt have the condition, then you dont need to declare. But, how many drivers fully read or get a professional to review the policy for such wording?
If an insurer puts in something in the policy that could mean the customer isn't treated fairly and it isn't in the key facts if a customer complaints to the the right ombudsman, then then that ombudsman will have a word with them and they will have to change all their policies. This may be across their group."You’re just a bad memory who doesn’t know when to go away" JRComment
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