The wife's car insurance is due for renewal and she did a speed awareness course last November, fifty in a forty. I've looked on all the documentation from last years insurance and although it states that you have to declare changes to your circumstances ie convictions there is nothing to say about declaring a speed awareness course. Likewise, on using the various comparison websites for car insurance they ask for details of convictions but not speed awareness. Searches of google are a bit inconclusive most reports saying that you are 'advised' to tell them.
Comments
And if they do, go somewhere else.
I’m so bored I might as well be listening to Pink Floyd
On there it says along the lines of you dont have to declare it as its not a conviction, but if asked by the insurer then you have to provide the details.
My wife is with Admiral. We checked their T&C's and they specifically state you have to declare it. So we left them.
I can't help about the shape I'm in, I can't sing I ain't pretty and my legs are thin
But don't ask me what I think of you, I might not give the answer that you want me to
Just read that gocompare information. It says that the onus is on the insurer to ask all the relevant questions not for the insured to tell them what they think may be important. If they ask though you have to tell them. Thanks, I think that answers my question.
If you think you know a material fact that might change the terms of the policy they offer you, then you have not purchased the policy in good faith.
The terms of 99% of policies include a "if in doubt you must tell us..." clause for precisely this reason
I’m so bored I might as well be listening to Pink Floyd
This ...
Remember, it's easier to criticise than create!
I doubt whether it will make any difference to the premium. It didn't for me when I did a course and declared it.
But if you don't declare it then they could use that as a reason to avoid liability.
So I would tell them. No question.
It varies from insurance provider but I know all of Admiral Group companies expect to be told at renewal
She's not quite as bad as that but does drive with the handbrake on, can't imagine how she got caught speeding really.