Crb Posted May 11, 2015 Posted May 11, 2015 Well today I found out that Admiral actually treat a driver speed awareness course the same as 3 points and a conviction. My new insurance company Adrian flux don't, but it has caused a few issues... Obviously I told Adrian flux about my wife's speed awareness course she attended and they were quite frank when saying that it's not classed as a conviction..... However because admiral class it as a conviction it's basically flagged up on their system that I've lied to them and they've issued a notice of cancelling my insurance!!! Luckily after talking to them all is being sorted.... Doubt I'll ever use admiral for car insurance after this. Big thumbs up for Adrian flux tho ðŸ‘👠Quote
GMballistic Posted May 11, 2015 Posted May 11, 2015 Yep some insurance companies are absolute ******s. I'm very happy with mine though & yep it's Adrian Flux as well. Quote
ATTAK Z Posted May 11, 2015 Posted May 11, 2015 One of the reasons I left Admiral before I had to 'fess ... I'm no longer multicar with anyone and better off for it ! Quote
Crb Posted May 11, 2015 Author Posted May 11, 2015 I even phoned admiral and they're answer was "well she's been caught speeding so we are treating it as a conviction" Adrian flux answer to that was "well that's why you pay the £80 and do the course" (top answer btw lol) Quote
Crb Posted May 11, 2015 Author Posted May 11, 2015 Adrian flux issued a 7 day notice to cancel my insurance based on information sent from admiral. Once I'd clarified it with Adrian flux tho, all I have to do is email them her clean driving licence and everything will be fine. pi**ed off at admiral tho. Quote
GMballistic Posted May 11, 2015 Posted May 11, 2015 None of that makes any sense. So who cancelled what? Right. Don't know why but your rather short replies made me laugh tonight. Like you were having a conversation with this guy.... http://www.youtube.com/watch?v=hJVGuxj7AWQ Although Crb's post made sense to me. Quote
Ricey Posted May 11, 2015 Posted May 11, 2015 Why anyone declares them is beyond me. Not a conviction and not available in any way to an insurance company through the databases. Personally I think they're being proper out of order asking about it as the point of the course is that is specifically aims to educate rather than penalise you. Insurance companies suck balls. 7 Quote
Ekona Posted May 11, 2015 Posted May 11, 2015 If an insurer asks, I would simply decline to insure my car with them. 1 Quote
daveallen1999 Posted May 11, 2015 Posted May 11, 2015 The advice given by the people who do the speed awareness courses is not to declare. The insurnance companies have no legal right to know. Quote
JetSet Posted May 11, 2015 Posted May 11, 2015 Not a conviction and not available in any way to an insurance company through the databases. Only the police have access to who has been on awareness courses and this information is held on the police computer. As I understand it, a roadside check by the Police will not show up a speed awareness course, presumably this will only show up on a secure terminal...at least that's what I've heard. Pete Quote
Ekona Posted May 12, 2015 Posted May 12, 2015 The advice given by the people who do the speed awareness courses is not to declare. The insurance companies have no legal right to know. But if they ask, you do have to tell them, you can't lie. Quote
Ricey Posted May 12, 2015 Posted May 12, 2015 The advice given by the people who do the speed awareness courses is not to declare. The insurance companies have no legal right to know. But if they ask, you do have to tell them, you can't lie. And here in lies the problem. Insurance companies have no moral right to ask but they CAN ask almost anything they like. Answer untruthfully and you've committed fraud. Quote
Ekona Posted May 12, 2015 Posted May 12, 2015 I dunno, I think they should ask about the awareness course. Whether you look at it as a positive thing (more aware of the risks) or a negative one (caught speeding in the first place), it should still have an impact on the premium. Quite honestly, I think I'd prefer them to treat a SAC the same as an SP30. Maybe not fashionable to say on a motoring forum, but there you go. 1 Quote
Grundy Posted May 12, 2015 Posted May 12, 2015 Not a conviction and not available in any way to an insurance company through the databases. Only the police have access to who has been on awareness courses and this information is held on the police computer. As I understand it, a roadside check by the Police will not show up a speed awareness course, presumably this will only show up on a secure terminal...at least that's what I've heard. Pete And even then it's not just one database, as it's different for each county i.e. You get caught in one county, you do the course (You then can't do it again for 5 years I think) But if you get caught in another county, you can go on the course again. So I've been told as it happened to a friend. Quote
ioneabee Posted May 12, 2015 Posted May 12, 2015 The advice given by the people who do the speed awareness courses is not to declare. The insurance companies have no legal right to know. But if they ask, you do have to tell them, you can't lie. And here in lies the problem. Insurance companies have no moral right to ask but they CAN ask almost anything they like. Answer untruthfully and you've committed fraud. what happens if you decline to answer ? Quote
daveallen1999 Posted May 12, 2015 Posted May 12, 2015 If you commit another speeding offence within 3 years you are not allowed to go on another speed awareness course. Not a conviction and not available in any way to an insurance company through the databases. Only the police have access to who has been on awareness courses and this information is held on the police computer. As I understand it, a roadside check by the Police will not show up a speed awareness course, presumably this will only show up on a secure terminal...at least that's what I've heard. Pete And even then it's not just one database, as it's different for each county i.e. You get caught in one county, you do the course (You then can't do it again for 5 years I think) But if you get caught in another county, you can go on the course again. So I've been told as it happened to a friend. Quote
daveallen1999 Posted May 12, 2015 Posted May 12, 2015 Never been asked by a insurnance broker about being on a speed awareness course. The whole point of a speed awareness course is to avoid the penalty. If they refused to insure me, because I refused to tell them, I would just find somebody else. Quote
ATTAK Z Posted May 12, 2015 Posted May 12, 2015 (edited) Not a conviction and not available in any way to an insurance company through the databases. Only the police have access to who has been on awareness courses and this information is held on the police computer. As I understand it, a roadside check by the Police will not show up a speed awareness course, presumably this will only show up on a secure terminal...at least that's what I've heard. Pete And even then it's not just one database, as it's different for each county i.e. You get caught in one county, you do the course (You then can't do it again for 5 years I think) But if you get caught in another county, you can go on the course again. So I've been told as it happened to a friend. 3 years ... and I've done three now ... in different counties ... luckily I live within about 10 miles of four different counties so happy days ... and I hasten to add 1 was 33 in a 30 in the Aston 1 was 44 in a 40 in the wife's Arosa 1 was a minor overtaking infringement in the Merc not proud ... just sayin' Edited May 12, 2015 by ATTAK Z Quote
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