Speed Awareness Course and Insurance

bobthedambuilder

DD was caught on a fixed camera recently (38 in a 30 zone) and has just received a notice offering a fixed penalty (£60 +3 penalty points), or a Speed Awareness Course, cost £79.50.

It says on the SAC papers that if completed, no points are put on her licence and the matter (offence?) is not regarded as a conviction.

Does she still need to declare this on her insurance if it's not a conviction?

Is her insurance premium likely to go up if she takes the penalty and points? (She has a clean licence so far.)

w211

I believe if it's not a conviction and the insurance company doesn't ask (I've haven't had any ask me), then no, I guess. Even then, how would they find out - would they ask every Speed Awareness Course provider?

I hear that because there are such a lot of motorists with 3 points on their licence, the insurance premium may not go up (I've a clean licence, so I don't know), even though insurance companies see having points on our licence will make you a greater risk.

dggar

If DD attends the course with the correct attitude she will probably find it of bennefit.

If at renewal the insurance asks"are there any convictions" DD will can say "No".

Trebor16

Admiral do list a speed awareness course amongst their list of endorsements but to get to it you have to answer "yes" to say you have a conviction. If you answer "no" (which would be a honest answer) then it won't take you to the list of endorsements.

As it is not a conviction there is no requirement to declare it to an insurance company. But I wonder how long it will be before insurance companies start to ask if you have been on a speed awareness course as a seperate question.