Speeding ticked (39 in a 30), offer of driver awareness course

sarahg1969

They may have removed the promise that it won't affect insurance premiums. However, as far as I know they do tell you that they will not disclose your attendance to anyone.

I don't know how insurers will find out you attended a SAC if you don't tell them yourself.

Even if the police would tell them, what would lead the insurers to ask? And how would they know which force to ask? There is no central record of SAC attendance.

muddyl

Perhaps I was wrong but I believed it was the same as a spent conviction where it does not have to be declared under the rehabilitation of offenders act. Same reason you don't have to declare points older than five years (with some exceptions).

kingstreet

sarahg1969 wrote: »

There is no central record of SAC attendance.

There must be a record kept by national course providers, otherwise they would be risking offering courses to those who have attended one within the previous three years.

It certainly isn't open to the public or the insurance industry though.

Quentin

muddyl wrote: »

..... Same reason you don't have to declare points older than five years (with some exceptions).

You normally are only asked for your convictions over the last 5 years.

But f you are asked about attending a DAC, and you choose to lie (saying "no" when you have attended one), you are then left with how you can agree to your declaration that everything you have put on your application is "true"!

agrinnall

Quentin wrote: »

Do dummy quotes online (with no course, with the course, then with the points) and see what difference there is to the premium.

These days just 3 speeding points usually makes little difference.

I was also under the impression that 3 points didn't add much to the premium, but when I said that in a thread some time ago other posters claimed that it did, so your dummy quotes suggestion may show up which, if any, companies are not too concerned about the first offence.

[Deleted User]

Quentin wrote: »

You normally are only asked for your convictions over the last 5 years.

But f you are asked about attending a DAC, and you choose to lie (saying "no" when you have attended one), you are then left with how you can agree to your declaration that everything you have put on your application is "true"!

This is my point. Not declaring is different to lying when asked...

spacey2012

They are just taking the proverbial now.

Aretnap

muddyl wrote: »

Perhaps I was wrong but I believed it was the same as a spent conviction where it does not have to be declared under the rehabilitation of offenders act. Same reason you don't have to declare points older than five years (with some exceptions).

No it isn't. The Rehabilitation of Offenders Act allows you to answer "no" to questions about some convictions where otherwise you would have to answer "yes". But it only applies to convictions (and nowadays formal cautions). But a speed awareness course is neither a conviction nor a caution, so it isn't covered by the ROA at all.

Lum

sarahg1969 wrote: »

There is no central record of SAC attendance.

Yes there is, it's called NDORS.

The insurance companies don't have access to it tough.

Aretnap

sarahg1969 wrote: »

Even if the police would tell them, what would lead the insurers to ask? And how would they know which force to ask? There is no central record of SAC attendance.

Forces in the National Scheme (which is all but about 3 of them these days) have a central record.

As lies you could tell your insurer go, you'd probably be more likely to get away with this one than you would be with many others. But that doesn't mean the consequences would be any less severe if they did find out. So it's still not a risk I'd be taking for the sake of £20 on my premium.