Reply to: Admiral and speed awareness course

[SueEllen]

Answering the first part of my own question:

The premium increased from £190 to £230 so over 20%!

Find another insurer then.

[Archangel]

Answering the first part of my own question:

The premium increased from £190 to £230 so over 20%!

[LondonManc]

LOL 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.

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?

LOL so you'd believe a journalist?

[VectraMan]

Well if insurers are going to start loading SAC the same as if you'd just taken the points then it starts to become pointless possibly in having the hassle of doing a SAC.

Unless of course, you're tight on points!

WHS. I haven't told my insurance co about the speed awareness course I did recently. It never occurred to me that I should.

I found in the past one speeding conviction didn't increase my premium but they still charged a £25 admin fee.

[northernladuk]

I thought the first three didn't affect your premium or did that change awhile back?

[psychocandy]

Well if insurers are going to start loading SAC the same as if you'd just taken the points then it starts to become pointless possibly in having the hassle of doing a SAC.

Unless of course, you're tight on points!

[xoggoth]

My policy says I have to notify them if any change in these details "No convictions, endorsements... including points in the last 5 years" As far as I can see there's no way the wording would include a speed awareness course.

Suspect that commenter is probably right.

[SueEllen]

LOL 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.

Apart from the time I was with Bell I've never had an insurance policy that has asked me. They just ask for points or convictions. A speed awareness course give you neither.

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.

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?

You aren't legally expected to read the small print. You are however expected to read the key facts which are in large print.

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.

[stek]

Comment 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.

Then aside from SAC, taking the points - is that a conviction, in a legal sense, surely not if it doesn't go to court. If so then you don't need to declare those? I know from an immigration ('good character' POV) - if no court, no conviction. Massive grey area....

[BolshieBastard]

Comment 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.

LOL 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.

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?

[Troll]

Nobody reads the DT?

Speed awareness courses could 'invalidate insurance' - Telegraph

It will if insurers have access to the Police database

[BrilloPad]

Nobody reads the DT?

Speed awareness courses could 'invalidate insurance' - Telegraph

Comment 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.

[xoggoth]

Nobody reads the DT?

Speed awareness courses could 'invalidate insurance' - Telegraph

[SueEllen]

Im 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.

Follow the links

[SueEllen]

interesting. We're with admiral due to 3 cars plus added son to create his own NCB as a named driver which Admiral companies accept.

There are other groups that allow named drivers to build up their NCB.

The difference is that Admiral group give you an accelerated NCB e.g. 10 months is equal to a year for them.