Speed Awareness Course - Admiral

Tom_Bradbury

Just about the purchase car insurance with Admiral for first time ever as never been insured with them before, but on the very last page just before I click the payment button it says that if I've been on a speed awareness course I must ring them to let them know.

I did a speed awareness course over something like 15 years ago, so would be a bit miffed to think Admiral might like to hike my insurance quote now for a misdemeanour so long ago. If I'd taken the 3 points they would have come off over 10 years ago. So, do I ring Admiral and tell them (utmost good faith and all that!) or do I just consider it 'spent' and ignore it. And if I did ignore it, how would Admiral ever find out in the event a claim. The details of the course are not on my licence (never have been), and I'm assuming that any record of a course would have been deleted after 3-5 years similar to what would have happened if I'd taken the points. Just wished Admiral were more transparent about their policy to the point that if I did inform them and they increased the quoted premium I'd probably go somewhere else just out of spite!!:rotfl:

dunstonh

What does the question actually say. You must answer the question as it is asked. If it says "have you ever"..... then it means that. If it says,"in the last 5 years have you..." then it means that.

I very much doubt it asks if you have ever been on a course.

Tom_Bradbury

It says.....

"If not already done so, you must call us to let us know if you or any driver below has been on a driver awareness course".

Nasqueron

Don't use them then, the whole point of the course is that it's an alternative to points (which as you say, disappear from record over time) and is not classed as an endorsement

Superscrooge

Tom_Bradbury wrote: »

Just about the purchase car insurance with Admiral for first time ever as never been insured with them before, but on the very last page just before I click the payment button it says that if I've been on a speed awareness course I must ring them to let them know.

I did a speed awareness course over something like 15 years ago, so would be a bit miffed to think Admiral might like to hike my insurance quote now for a misdemeanour so long ago. If I'd taken the 3 points they would have come off over 10 years ago. So, do I ring Admiral and tell them (utmost good faith and all that!) or do I just consider it 'spent' and ignore it. And if I did ignore it, how would Admiral ever find out in the event a claim. The details of the course are not on my licence (never have been), and I'm assuming that any record of a course would have been deleted after 3-5 years similar to what would have happened if I'd taken the points. Just wished Admiral were more transparent about their policy to the point that if I did inform them and they increased the quoted premium I'd probably go somewhere else just out of spite!!:rotfl:

If it was me, I would phone them and if they increased the price, I would have the satisfaction of telling them I no longer wanted it!

welshblue

My Daughter started with Admiral 2 years ago and had to declare my friend who is a named driver had been on an Awareness course 6 months prior. No increase in the policy price quoted online.
In fact she got it £30 cheaper.

Another good point about Admiral ... she took out insurance with another provider because of Admiral's renewal price, unaware that it was auto renewal. On phoning up Admiral to cancel the second policy they knocked £180 off the renewal price on the phone

You've nothing to lose by phoning them up and everything to lose if you don't declare it

EmmyLou30

It's cost me about £12 extra with Admiral after I rang them because my named driver had been on a speed awareness course. I didn't mind as they were still the cheapest.


What I did mind was 6 months later when I changed cars and that triggered their system to flag up an 'error' because the stupid cow in the call centre had put the wrong date down for my husbands course so it differed from the date I'd been declaring for the 4 years previously within their insurance group database (elephant.co.uk). Ok so I should have thoroughly checked the paperwork (which is only online) but as I'd just typed all the info in myself and only called to notify of the speed awareness course and I'd told her the correct date - I wasn't expecting her to put it in wrongly. Lesson learnt.


They fined me £30 for the error they'd made and basically told me to be grateful they hadn't cancelled my policy all together for the lie I'd told! Even though it was their error. Needless to say I won't be using them again.


So do check to be sure they've written the date of the course down correctly on their system!

tenchy

Do not use Admiral, on principle. They are sticking two fingers up at the whole idea of speed awareness courses.


The reality: they have no way of finding out if you've been on a speed awareness course. Details are stored on the NDORS database, which does not provide commercial access. Records are kept for six years.


Quote from the website given below:


"NDORS Data is NOT shared with insurance companies and they have no access to it."


https://ndors.org.uk/faqs/

paddyandstumpy

tenchy wrote: »

Do not use Admiral, on principle. They are sticking two fingers up at the whole idea of speed awareness courses.

How are they? Please elaborate...

tenchy wrote: »

The reality: they have no way of finding out if you've been on a speed awareness course. Details are stored on the NDORS database, which does not provide commercial access. Records are kept for six years.

Why write this unless to imply you can get away with not disclosing when asked, the truth?

tenchy wrote: »

Quote from the website given below:

"NDORS Data is NOT shared with insurance companies and they have no access to it."
https://ndors.org.uk/faqs/

If Admiral feel it is relevant for rating they are entitled to ask and use it for rating/acceptance.

ValiantSon

tenchy wrote: »

Do not use Admiral, on principle. They are sticking two fingers up at the whole idea of speed awareness courses.

The purpose of speed awareness courses is to improve road safety by making drivers aware of the risks involved in their exceeding the speed limit. The purpose is not to give you a reduced premium on your car insurance when you have been caught speeding. Admiral are not, "sticking two fingers up at the whole idea".

tenchy wrote: »

The reality: they have no way of finding out if you've been on a speed awareness course. Details are stored on the NDORS database, which does not provide commercial access. Records are kept for six years.

Failing to make a full and honest disclosure to the questions asked is fraud. What you appear to be advocating is that people should commit fraud because you don't think that thy are likely to be caught. Would you also advocate that people committed other criminal offences if there was a good chance that they wouldn't get caught? Morality appears to have been lost on you.

tenchy

Tom_Bradbury wrote: »

It says.....

"If not already done so, you must call us to let us know if you or any driver below has been on a driver awareness course".

Interesting. So they aren't actually asking the question. Rather, they are giving you an instruction. Why, I wonder, do they single out an issue which, in the overall scheme of things, is less relevant than other issues? Maybe they realise they shouldn't be asking about speed awareness courses and this is a cynical work around.