Is a Speed Awareness Course Relevant

fredstwin

OK, I took a speed awareness course in December 2015 for 36 in a 30 or thereabouts, when entering convictions on moneysupermarket etc I assume this is not relevant? I ask because as I understood it, it is not actually a conviction and as such there is no code, which compare websites require, so presumably I should ignore it for the purposes of obtaining online quotations? Thank you,

silvercar

I know Admiral ask if anyone has taken a speed awareness course.

fredstwin

Hi, thanks, I am aware that it is a grey area with respect to ensuring a current or future insurer has it on record, as I understand it and as recommended by the course tutors the current legal situation is to always make them aware whatever their policy may be (in order to cover oneself). I think I have answered my own question really, as there is no scope for the details to be entered accurately on the compare sites it cannot be done at that stage but making the chosen insurer aware prior to taking out a new policy is recommended.

Quentin

fredstwin wrote: »

Hi, thanks, I am aware that it is a grey area with respect to ensuring a current or future insurer has it on record, as I understand it and as recommended by the course tutors the current legal situation is to always make them aware whatever their policy may be (in order to cover oneself). I think I have answered my own question really, as there is no scope for the details to be entered accurately on the compare sites it cannot be done at that stage but making the chosen insurer aware prior to taking out a new policy is recommended.

The tutors gave bad advice.

These days you never need to volunteer anything.

You must just ensure you answer the questions asked (and ensure you comply with any blanket assumptions the insurer makes)

So if it's not asked about don't mention it!

paddyandstumpy

Echoing Quentin's post, particularly checking the assumptions.

System

Quentin wrote: »

You must just ensure you answer the questions asked (and ensure you comply with any blanket assumptions the insurer makes)

I think he is asking, "Are there any blanket assumptions that insurers make that I may not be aware of?"

fredstwin

Interesting, though we all know what wrigglers insurance companies can be, how does one know that in the event of a claim they will trot out some condition that claims I should have volunteered it?

DigForVictory

I heard the attendees are on a database that is not open to insurance companies, so you can omit the extra driving lesson.

If asked, tell the truth but Admiral is part of a group so you may end up telling more than you intended
.
I do prefer comparison sites for this sort of thing.

paddyandstumpy

fredstwin wrote: »

Interesting, though we all know what wrigglers insurance companies can be, how does one know that in the event of a claim they will trot out some condition that claims I should have volunteered it?

Since the recent CIDRA (Consumer Insurer Disclosure and Representation Act) the onus is on the insurer to ask clear and concise questions or clearly findable and a limited number of assumptions.

They can no longer insist on or rely on the consumer volunteering information.

Quite simply, if you aren't asked it, and the insurer hasn't assumed it, you don't need to tell them. You do need to answer questions honestly if asked, and check for assumptions carefully though.

eddddy

If you want to be extra sure that you haven't missed a relevant question - phone whichever insurer(s) come back with a good quote and say...

"I'm about to get some quotes on your website - will I need to declare a speed awareness course?".

When I asked this, the agent just said "No" - they didn't ask me any questions, didn't ask my name, etc

Quentin

If you make any enquiry to an insurer by phone over any matter that could have any consequences in the future you should ask them to confirm any favourable reply back to you in writing.

You cannot rely on a call centre phone.call if push comes to shove over anything verbal!