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points vs speed course

yorkshireOAP
yorkshireOAP Posts: 68 Forumite
Part of the Furniture 10 Posts
in Motoring
I recentley recieved an NIP for speeding 37mph in 30 zone. I have elected to take the speed awareness course to keep the 30yr clean licence.

How do the insurance companies view the course attendance?
Will premiums rise?
Do I need to inform them?
I am currently with th AA ins.
Thanks in anticipation for replies.
Roy
«13

Comments

  • z1a
    z1a Posts: 2,522 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    No & no .
  • Nasqueron
    Nasqueron Posts: 11,168 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Check terms and conditions but most do not ask if you have done the course (Admiral group did for a while but apparently stopped) only if you have points

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Agreed - enjoy the course 3 hours of briefings is well worth not having 3 points for 3 years
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • AdrianC
    AdrianC Posts: 42,189 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper
    yorkshireOAP wrote: »
    How do the insurance companies view the course attendance?
    Different insurers have different attitudes.

    Well, the Admiral group have a different attitude to everybody else...

    Will premiums rise?
    It depends.

    Do I need to inform them?
    Only if they explicitly ask. The standard "Any convictions?" question does not include courses, because a course is an alternative to a conviction. A fixed penalty is a conviction.

    I am currently with th AA ins.
    But I take it you don't blithely renew without looking around, right...?
  • neilmcl
    neilmcl Posts: 19,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    z1a wrote: »
    [STRIKE]No & no[/STRIKE] Rarely but possible & only if they ask (and some now do) .
    Corrected for that for you.
  • Scrapit
    Scrapit Posts: 2,304 Forumite
    1,000 Posts Second Anniversary Name Dropper Combo Breaker
    Admiral never asked me when I was getting quotes last month.
  • System
    System Posts: 178,403 Community Admin
    10,000 Posts Photogenic Name Dropper
    I'd just take the points as the fine would be cheaper than losing a day's pay and having to travel to the course. Got a clean licence, only had 3 points in 30 years of driving quite some time ago, wouldn't drive in a manner where I'm likely to get any more if I did get 3 and I doubt it would affect my insurance.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Mercdriver
    Mercdriver Posts: 3,898 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Tarambor wrote: »
    I'd just take the points as the fine would be cheaper than losing a day's pay and having to travel to the course. Got a clean licence, only had 3 points in 30 years of driving quite some time ago, wouldn't drive in a manner where I'm likely to get any more if I did get 3 and I doubt it would affect my insurance.

    There's another side to that though. You never know when you would be better off having 3 fewer points than you have without the opportunity to take a course. For example, commit an offence where you get 6 points, and you are suddenly just one course ineligible offence away from totting. I would take the course.
  • z1a
    z1a Posts: 2,522 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    neilmcl wrote: »
    Corrected for that for you.

    OP had already stated AA ins. which you ignored, so no correction needed!
  • yorkshireOAP
    yorkshireOAP Posts: 68 Forumite
    Part of the Furniture 10 Posts
    Thanks for your comments, seems to have got a minor debate going.
    I have booked the course as letter says do the course ---no points and no fine. No brainer. Fortunately I am retired so no loss of earnings.
    Roy
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