I listed an SP40 from 2021-2024 despite doing a Speed Awareness Course

Sheepdog6k

Back in 2021 a speed camera snapped me going over the speed limit. I was given the chance to take a speed awareness course as it was my first offence.

I thought I then had to update my insurer about this and for the next 4 years I took out car insurance on the basis that I had points for an SP40 offence on there. I learned that this is not the case, doing the course meant I did not have points and therefore did not need to include in on my insurance unless explicitly asked.

I can see that this is my mistake so would imagine there's not much I can do now. Just in case though, I'm here to ask I can contact the insurers I used and say there's been a mistake, have them re-evaluate what the policy should have costed and reclaim the difference?

If so, is there an amount of time you can go back to?

Any other advice welcome on this, I do accept this was my own mistake and I was in the wrong. From a contractual perspective one would assume there's probably a policy that covers this situation and prevents me from asking.

user1977

I suspect it won't be worthwhile anyway. Do you think it made any material difference to your premium? I don't think the insurers are that bothered about your "first offence" whether it comes with points or an awareness course.

dunstonh

Nothing stops you asking.

However, 3 points, with most insurers, doesn't increase your premiums unless there are other high risk issues.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6658960/i-listed-an-sp40-from-2021-2024-despite-doing-a-speed-awareness-course

If you were talking about this years contract then it may be worth the conversation but given many charge a fee for a mid term adjustment that may well be more than what the return premium is going to be so you end up out of pocket. It's also not something you have a choice over, the record needs to be accurate and so most won't allow you to leave it as is if you speak to them.

You could speak to your prior providers for the lapsed years but they may take the same approach resulting in you having to layover several MTA fees for little/nothing back.