Car Insurance moan, declaring speed awareness course etc.

[M.C]

Car insurance's due for renewal next month. I checked at the end of last month and was quoted £680 (down from ~£1000) with my current insurer. I then got a renewal email a few days ago from my insurer quoting £940, checked comparison sites and they've stopped quoting me (everyone else is quoting £1200+).

So have they stopped throwing out results on a comparison site cos renewal time's approaching?

Second question, I went to get a quote direct and they wanted to know if I had been on a speed awareness course I thought the whole point of a SA course was that it's an alternative to prosecution. Apparently they're loading policies: https://www.theguardian.com/money/2017/aug/21/admiral-car-insurance-speed-awareness-course

So what was the point of sitting through a boring 4 hour course then?

tl;dr why insurer trying to scam me

[Andy_Pagin]

[Suntan Sid]

It would be interesting to know what an insurance company would do if they found out you'd been on an undeclared SAC.
Surely the whole SAC scam relies on the attendees avoiding points and the, inevitable, insurance premium hike.
AFAIK the SAC scammers claim not to release names to insurance companies. So how would an insurance company know who's been on an SAC, or not.
If an insurance company does know who's been on an SAC, then the only people opting for them would be those facing a totting ban, which means PC Bangham and his fellow scammers would be losing money hand over fist!
The whole scenario stinks, AFAIC!
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"Everybody needs money, that's why they call it money!"

[M.C]

[panrider_uk]

From GoCompare's website:
""When applying for car insurance, insurers ask if you have any motoring convictions or prosecutions. As neither of these apply to drivers who have attended a speed awareness course, the Financial Ombudsman has confirmed that drivers attending a course can honestly answer 'No' to this question."
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Current bike: Honda ST1100

[TaffyTDM]

All depends on the company. Admiral group specifically ask if you've been on a SAC, others ask only for convictions or fixed penalties. Answer the question you get asked, go to another company if you prefer their questions, and you are on safe ground

[chickenstrip]

The thieving barstewards could ask you if you prefer red or blue, and then sting you for a 'wrong' answer.
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Chickenystripgeezer's Biking Life (Latest update 19/10/18) Belgium, France, Italy, Austria tour 2016 Picos de Europa, Pyrenees and French Alps tour 2017 Scotland Trip 1, now with BONUS FEATURE edit, 5/10/19, on page 2 Scotland Trip 2 Luxembourg, Black Forest, Switzerland, Vosges Trip 2017
THERE'S MILLIONS OF CHICKENSTRIPS OUT THERE!

[M.C]

[Freddyfruitba...]

[Rogerborg]

Kitten Kourses are independent, each police Farce keeps their own record of whether they've offered you one, it doesn't show on your driver record and there's no central database of which I'm aware, so the answer is no. No, you have not.

In the very, very unlikely event that your underwriter ever finds out, then it will only be by the Kitten Kourse disclosing your information which gives you a solid case for bawww, compo against them.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[sensi5446]

[Freddyfruitba...]

[Rogerborg]

[waffles]

Admiral are the company that charge you more depending on your email address though, having a Hotmail address makes you much riskier.

They seem to make this stuff up as they go
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Theory test - 19/8/09, CBT - 11/10/09, MOD 1 - 16/8/10, MOD 2 - 27/10/10
Past rides Yamaha XT125X, Triumph TT600, Honda XR250
Current rides Suzuki GSXR 600, Honda MSX125

[Nobby the Bastard]

Meh, If I was offered a kitten course rather than the ban, I suspect I'd still go for the ban. 8 weeks without vehicle is still much less hastle than 8 hours being bollocked.
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Sprint ST 1050

[M.C]

[angryjonny]

I had my first four-figure renewal though last month since I had a 5-series in my mid twenties. Comparison of meerkats halved it.

I always assumed that the point of the speed awareness course was to avoid points and therefore keep you one offence further away from a totting up ban.

I'd declare it if asked because I'm like that. But tbh I thought that insurance companies tended to look past such courses and, even, the first three points, due to the number of people who have exhibited poor obs at least once in the past several years.

[dydey90]

Have you looked at Direct Line? I found them cheapest by a good margin and they don’t show up on search engines.
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This post is probably not serious and shouldn't be taken literally.
Past: CBR125,ER6f NINJA 650, ZZR600 Current: VFR750

[Kawasaki Jimbo]

[Evil Hans]

[Polarbear]

[Polarbear]

[Rogerborg]

+1, if this has changed and we're about to get ratted out, it would be good to know.
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[Pie-Roe]

[Freddyfruitba...]

I found this on the National Driver Offender Retraining Scheme website - most police forces (but not all apparently, as it's not compulsory) are signed up to the NDORS:

How will attendance on an NDORS course affect my insurance?

No individual police force has a power to interfere with or regulate the insurance industry, and all insurance providers and their underwriters are more or less free to charge premiums based on their own assessment of risk.

A frequently asked question from people being offered and attending courses is whether or not an NDORS course offer and attendance should be notified to their insurers. Legal advice is that attendance on an NDORS course is not a conviction, nor should it be treated as a conviction, unlike a fixed penalty.

NDORS Data is NOT shared with insurance companies and they have no access to it.

There appears to be an inconsistent approach by the industry to NDORS, with a minority of insurers adjusting premiums once notified and others displaying no interest whatsoever.

The Consumer Insurance (Disclosure and Representations) Act 2012, came into force on 6 April 2013. This Act modifies the old common law rule that insurance policies are contracts “of the utmost good faith”, which obliged people to disclose information which might be relevant, even if it had not been requested. Under the Act, members of the public taking out insurance for mainly non business purposes, but which includes a private car policy with Class 1 business use, no longer need to try to guess what an insurer might want to know. Instead they only have to supply what is requested, either when taking out a Policy or when something changes during the life of a policy. So, unless the question regarding NDORS course attendance and completion is specifically asked at the time of making the proposal, or at any other time during the lifetime of the policy, there is no obligation whatsoever on a driver who has completed an NDORS course to disclose this to the insurers. However, as always, the detail is in the small print.

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KC100->CB100N->CB250RS--------->DL650AL2->R1200RS->R1250RS