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  • FIRST POST
    • dannyrst
    • By dannyrst 11th Oct 16, 3:58 PM
    • 1,223Posts
    • 586Thanks
    dannyrst
    Speed Awareness
    • #1
    • 11th Oct 16, 3:58 PM
    Speed Awareness 11th Oct 16 at 3:58 PM
    I was lucky enough to be caught speeding due to my own error of missing a speed limit sign before a roundabout and one of her majesties finest was sat just down the road.

    Anywho. At the end of the course, I'm sure the chap said that some insurers including Aviva will actually reduce your insurance premium from going on the course because you're more aware of the impacts of speeding and less likely to reoffend (potentially).

    Has anyone had any experience of this?
Page 1
    • forgotmyname
    • By forgotmyname 11th Oct 16, 4:57 PM
    • 23,290 Posts
    • 9,181 Thanks
    forgotmyname
    • #2
    • 11th Oct 16, 4:57 PM
    • #2
    • 11th Oct 16, 4:57 PM
    No because we are all perfect drivers who never speed

    Sounds unlikely though, but with insurance you never know. I have mentioned many times that adding my accident prone sister to my clean record actually lowers my premium.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • IanMSpencer
    • By IanMSpencer 11th Oct 16, 5:07 PM
    • 943 Posts
    • 774 Thanks
    IanMSpencer
    • #3
    • 11th Oct 16, 5:07 PM
    • #3
    • 11th Oct 16, 5:07 PM
    I was lucky enough to be caught speeding due to my own error of missing a speed limit sign before a roundabout and one of her majesties finest was sat just down the road.

    Anywho. At the end of the course, I'm sure the chap said that some insurers including Aviva will actually reduce your insurance premium from going on the course because you're more aware of the impacts of speeding and less likely to reoffend (potentially).

    Has anyone had any experience of this?
    Originally posted by dannyrst
    There are companies who want to use a speed awareness course against you, as it is still an indication of a propensity to speed, whether intentional or not. On the course, they used to say it was a private matter and insurers didn't have to be informed, but you need to check your insurer's terms.
    • elsien
    • By elsien 11th Oct 16, 5:10 PM
    • 13,654 Posts
    • 33,112 Thanks
    elsien
    • #4
    • 11th Oct 16, 5:10 PM
    • #4
    • 11th Oct 16, 5:10 PM
    Anywho. At the end of the course, I'm sure the chap said that some insurers including Aviva will actually reduce your insurance premium from going on the course because you're more aware of the impacts of speeding and less likely to reoffend (potentially).
    Originally posted by dannyrst
    Parent's improved driving behaviour following the course lasted about a fortnight, then normal service was resumed. I'd be interested to see if there's any empirical evidence that the course has much impact at all in the longer run.
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
    • TadleyBaggie
    • By TadleyBaggie 11th Oct 16, 6:31 PM
    • 1,971 Posts
    • 1,395 Thanks
    TadleyBaggie
    • #5
    • 11th Oct 16, 6:31 PM
    • #5
    • 11th Oct 16, 6:31 PM
    Aviva do not ask about attendance of speed awareness courses, however any insurance company in the Admiral group (Elephant, Diamond, Bell et al) do ask and load the premium accordingly.
    • Robisere
    • By Robisere 11th Oct 16, 6:42 PM
    • 1,118 Posts
    • 1,767 Thanks
    Robisere
    • #6
    • 11th Oct 16, 6:42 PM
    • #6
    • 11th Oct 16, 6:42 PM
    Yes it brought me up short and made me take more care. I'm 71 and learned to first ride a motorbike, then drive a car, in a different era with much less traffic about. I also have more than one disability and have been fortunate to have a Motability car since 1995.

    Being caught 5 years ago, and attending the course, made me realise that I had developed the habit of ignoring speed limits. I now ensure that every Motability car I choose has a cruise control and speed limiter. The only problem with sticking religiously to the limits now, is the number of idiots who flash lights and tailgate me because they want to break the limit. Most of these have a car which is less powerful than mine, but the biggest surprise is the number of older drivers who do this. And young female drivers, some with children visible in rear child seats.
    There may be more than one way to skin a cat.
    But the result is always inedible.

    • Car 54
    • By Car 54 11th Oct 16, 6:55 PM
    • 1,401 Posts
    • 869 Thanks
    Car 54
    • #7
    • 11th Oct 16, 6:55 PM
    • #7
    • 11th Oct 16, 6:55 PM
    Aviva do not ask about attendance of speed awareness courses, however any insurance company in the Admiral group (Elephant, Diamond, Bell et al) do ask and load the premium accordingly.
    Originally posted by TadleyBaggie
    However, there's no guarantee that Aviva or any of the others won't start asking tomorrow.
    • nickcc
    • By nickcc 11th Oct 16, 7:02 PM
    • 1,545 Posts
    • 654 Thanks
    nickcc
    • #8
    • 11th Oct 16, 7:02 PM
    • #8
    • 11th Oct 16, 7:02 PM
    Yes it brought me up short and made me take more care. I'm 71 and learned to first ride a motorbike, then drive a car, in a different era with much less traffic about. I also have more than one disability and have been fortunate to have a Motability car since 1995.

    Being caught 5 years ago, and attending the course, made me realise that I had developed the habit of ignoring speed limits. I now ensure that every Motability car I choose has a cruise control and speed limiter. The only problem with sticking religiously to the limits now, is the number of idiots who flash lights and tailgate me because they want to break the limit. Most of these have a car which is less powerful than mine, but the biggest surprise is the number of older drivers who do this. And young female drivers, so
    with children visible in rear child seats.
    Originally posted by Robisere
    Isn't it strange how we suddenly feel that other speeding motorists are idiots when we were more than happy to speed our selves. just because you adhere to the speed limits doesn't give you the right to criticise others that don't.
    • Joe Horner
    • By Joe Horner 11th Oct 16, 7:12 PM
    • 3,658 Posts
    • 3,031 Thanks
    Joe Horner
    • #9
    • 11th Oct 16, 7:12 PM
    • #9
    • 11th Oct 16, 7:12 PM
    Just be aware that the moment you approach any insurer about whether or not they'll offer a discount, the fact you've attended the course will stop being part of a completely confidential record between you and the police / course providers - which insurers can't get access to - and become fair game for insurers to pass around amongst themselves on databases in the name of "fraud prevention".

    If they don't ask you don't have to tell them and if they do ask you still don't have to tell them - just take your business elsewhere without saying anything.
    • Rain Shadow
    • By Rain Shadow 12th Oct 16, 10:06 AM
    • 1,397 Posts
    • 2,558 Thanks
    Rain Shadow
    Everyone who drives slower than me is an idiot and everyone who drives faster than me is a maniac.
    • dannyrst
    • By dannyrst 12th Oct 16, 10:19 AM
    • 1,223 Posts
    • 586 Thanks
    dannyrst
    Aviva do not ask about attendance of speed awareness courses, however any insurance company in the Admiral group (Elephant, Diamond, Bell et al) do ask and load the premium accordingly.
    Originally posted by TadleyBaggie
    They do not, however, the guy hosting the course specifically mentioned that Aviva offer incentives for people who disclose that they have been on the course. Was just wondering if anyone was aware of this and had experience of it. Fully aware that the Admiral group see it as punishable.

    However, there's no guarantee that Aviva or any of the others won't start asking tomorrow.
    Originally posted by Car 54
    This is an annoying prospect for me. Insurers have no way of finding if you have been on the course. The police keep your license number on record so they can tell whether you have been on the course in the last 3 years, but again, insurers don't ask for your license number. However, lying to your insurer is fraud and would result in a void insurance policy, if they found out. Do Admiral ask if you have been on a course in the last x years? If so, how can you expect to remember the exact date you went on the course when there is no record of you going on the course on your license? All abit stupid if you ask me.

    Just be aware that the moment you approach any insurer about whether or not they'll offer a discount, the fact you've attended the course will stop being part of a completely confidential record between you and the police / course providers - which insurers can't get access to - and become fair game for insurers to pass around amongst themselves on databases in the name of "fraud prevention".

    If they don't ask you don't have to tell them and if they do ask you still don't have to tell them - just take your business elsewhere without saying anything.
    Originally posted by Joe Horner
    This is a very good point. I could have a discount now, but the tide may change and I could be punished for being on the course next year. Hadn't considered this.
    • Fat Walt
    • By Fat Walt 12th Oct 16, 10:33 AM
    • 602 Posts
    • 327 Thanks
    Fat Walt
    They do not, however, the guy hosting the course specifically mentioned that Aviva offer incentives for people who disclose that they have been on the course. Was just wondering if anyone was aware of this and had experience of it. Fully aware that the Admiral group see it as punishable.



    This is an annoying prospect for me. Insurers have no way of finding if you have been on the course. The police keep your license number on record so they can tell whether you have been on the course in the last 3 years, but again, insurers don't ask for your license number. However, lying to your insurer is fraud and would result in a void insurance policy, if they found out. Do Admiral ask if you have been on a course in the last x years? If so, how can you expect to remember the exact date you went on the course when there is no record of you going on the course on your license? All abit stupid if you ask me.



    This is a very good point. I could have a discount now, but the tide may change and I could be punished for being on the course next year. Hadn't considered this.
    Originally posted by dannyrst

    Keep the letter with the course date on.
    • dannyrst
    • By dannyrst 12th Oct 16, 10:41 AM
    • 1,223 Posts
    • 586 Thanks
    dannyrst
    Keep the letter with the course date on.
    Originally posted by Fat Walt
    Yes, obviously that would be a good idea. But have you never lost anything?
    • Fat Walt
    • By Fat Walt 12th Oct 16, 10:45 AM
    • 602 Posts
    • 327 Thanks
    Fat Walt
    Yes, obviously that would be a good idea. But have you never lost anything?
    Originally posted by dannyrst

    Keep it with your vehicle documents.
    • Head The Ball
    • By Head The Ball 12th Oct 16, 11:48 AM
    • 1,793 Posts
    • 3,818 Thanks
    Head The Ball
    ......The only problem with sticking religiously to the limits now, is the number of idiots who flash lights and tailgate me because they want to break the limit....
    Originally posted by Robisere
    Has it occurred to you that you may well be driving at or setting your cruise control to a figure well under the speed limit as speedometers usually under read?

    That doesn't necessarily justify tailgating or lights flashing but it might explain it.
    Last edited by Head The Ball; 12-10-2016 at 11:51 AM.
    When I was growing up plastic surgery was a bit of a taboo subject. These days if you mention botox no one raises an eyebrow.
    • ElefantEd
    • By ElefantEd 12th Oct 16, 12:28 PM
    • 475 Posts
    • 871 Thanks
    ElefantEd
    just because you adhere to the speed limits doesn't give you the right to criticise others that don't.
    Originally posted by nickcc
    Actually yes it does.

    Though there may be a 'reformed smoker' syndrome at work making the critic more aware and more strident about it.
    • dannyrst
    • By dannyrst 12th Oct 16, 12:49 PM
    • 1,223 Posts
    • 586 Thanks
    dannyrst
    Keep it with your vehicle documents.
    Originally posted by Fat Walt
    Not impossible to lose those either.
    • Fat Walt
    • By Fat Walt 12th Oct 16, 12:51 PM
    • 602 Posts
    • 327 Thanks
    Fat Walt
    Not impossible to lose those either.
    Originally posted by dannyrst


    FFS, give them to a sensible adult when you're mature enough to drive.
    • dannyrst
    • By dannyrst 12th Oct 16, 1:00 PM
    • 1,223 Posts
    • 586 Thanks
    dannyrst
    FFS, give them to a sensible adult when you're mature enough to drive.
    Originally posted by Fat Walt
    Lol. Chill out man. My point is unlike points on your license, there is no visible record you can check to see when the course was taken without cracking out your paper records, working through your birth certificate, V5, GCSE results blah blah.

    • Fat Walt
    • By Fat Walt 12th Oct 16, 1:12 PM
    • 602 Posts
    • 327 Thanks
    Fat Walt
    Lol. Chill out man. My point is unlike points on your license, there is no visible record you can check to see when the course was taken without cracking out your paper records, working through your birth certificate, V5, GCSE results blah blah.

    Originally posted by dannyrst

    Staple it to your birth certificate, you've managed to to lose that so far.
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