rainbow chasers
Free Member
There was a recent post regarding insurers and speed awareness courses recently, whereby insurers were demanding to know/potentially penalising those that had been on one.
Other half attended one yesterday (60 in 60/class) and the subject was brought up with some having similar experiences with insurers.
The instructor stated:
a) It is not a conviction/offence as by attending the course, the slate is wiped clean.
b) Insurers cannot penalise those that have attended a course - they have been told, though they may try in some other guise.
c) You have no obligation to inform insurers of the offence or the course, as in a), it has been wiped clean - no offfence has been committed once the course is complete.
d) They cannot raise premiums for those that have attended the course. Normal practice for insurers that HAVE been voluntarily informed by the driver is to hold a note on their file. How they use this information is unknown.
So hopefully that has answered some questions raised previously. Interestingly it is not known what the insurers do with a note of the offence that they hold on file. You could argue that it MAY affect NEXT years policy - whereby it can be hidden as costs of insurance rather than a penalty, I suppose it could also influence a decision in the event of an accident, even if not your direct fault - the possibility is there.
But to recap - you do not need to inform your insurers - you do not need to add the 'offence' to next years declaration. You effectively have a clean slate, it never happened.:thumb:
Other half attended one yesterday (60 in 60/class) and the subject was brought up with some having similar experiences with insurers.
The instructor stated:
a) It is not a conviction/offence as by attending the course, the slate is wiped clean.
b) Insurers cannot penalise those that have attended a course - they have been told, though they may try in some other guise.
c) You have no obligation to inform insurers of the offence or the course, as in a), it has been wiped clean - no offfence has been committed once the course is complete.
d) They cannot raise premiums for those that have attended the course. Normal practice for insurers that HAVE been voluntarily informed by the driver is to hold a note on their file. How they use this information is unknown.
So hopefully that has answered some questions raised previously. Interestingly it is not known what the insurers do with a note of the offence that they hold on file. You could argue that it MAY affect NEXT years policy - whereby it can be hidden as costs of insurance rather than a penalty, I suppose it could also influence a decision in the event of an accident, even if not your direct fault - the possibility is there.
But to recap - you do not need to inform your insurers - you do not need to add the 'offence' to next years declaration. You effectively have a clean slate, it never happened.:thumb: