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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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Posted: 15:52 - 27 Feb 2018 Post subject: Car Insurance moan, declaring speed awareness course etc. |
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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 |
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Andy_Pagin |
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Andy_Pagin World Chat Champion
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Suntan Sid |
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Suntan Sid World Chat Champion
Joined: 07 May 2009 Karma :
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Posted: 16:22 - 27 Feb 2018 Post subject: |
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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! ____________________ "Everybody needs money, that's why they call it money!" |
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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panrider_uk |
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panrider_uk World Chat Champion
Joined: 23 Sep 2007 Karma :
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TaffyTDM |
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TaffyTDM Spanner Monkey
Joined: 15 Jul 2015 Karma :
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chickenstrip |
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chickenstrip Super Spammer
Joined: 06 Dec 2013 Karma :
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Posted: 17:31 - 27 Feb 2018 Post subject: |
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The thieving barstewards could ask you if you prefer red or blue, and then sting you for a 'wrong' answer. ____________________ 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! |
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M.C |
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M.C Super Spammer
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
Joined: 20 May 2016 Karma :
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Posted: 18:49 - 27 Feb 2018 Post subject: |
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panrider_uk wrote: | 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." |
But more importantly, from the same website:
"However, if an insurer asks specifically about attendance of a speed awareness course, then drivers must provide this information on the application form or at any other time during the lifetime of the insurance policy. Failure to do so may invalidate the insurance."
Admiral are indeed well-known for asking the question, whereas many/most other insurers don't.
M.C wrote: | panrider_uk wrote: | When Admiral ask...
In the last 5 years, has the driver had any motoring offences, including fixed penalties, convictions, driver awareness courses or disqualifications, or any pending prosecutions? |
Am I being too pedantic or are they mixing up their terms? |
They are indeed mixing up their terms. They should have worded the sentence with "and/or" in there somewhere - classic error of legal drafting by amateurs introducing ambiguity by poor wording. ____________________ KC100->CB100N->CB250RS--------->DL650AL2->R1200RS->R1250RS |
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 19:24 - 27 Feb 2018 Post subject: |
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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. ____________________ 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 |
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sensi5446 |
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sensi5446 Trackday Trickster
Joined: 12 Feb 2014 Karma :
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
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Rogerborg |
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Rogerborg nimbA
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waffles |
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waffles World Chat Champion
Joined: 04 Oct 2009 Karma :
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Posted: 12:02 - 28 Feb 2018 Post subject: |
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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 ____________________ 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 |
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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Posted: 14:16 - 28 Feb 2018 Post subject: |
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They seem to be the MCE of car insurance, unfortunately they're a lot cheaper (when they give out quotes). I tried to get one directly and after giving all my details got a oh noes you're already customer call us message
I'll get them to cancel the auto-renewal and see if that changes anything. |
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angryjonny |
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angryjonny World Chat Champion
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dydey90 |
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dydey90 World Chat Champion
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Kawasaki Jimbo |
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Kawasaki Jimbo World Chat Champion
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Evil Hans |
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Evil Hans World Chat Champion
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Polarbear |
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Polarbear Super Spammer
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Polarbear |
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Polarbear Super Spammer
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 13:34 - 01 Mar 2018 Post subject: |
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+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 |
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Pie-Roe |
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Pie-Roe World Chat Champion
Joined: 05 Feb 2007 Karma :
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Posted: 16:15 - 01 Mar 2018 Post subject: |
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Polarbear wrote: | Evil Hans wrote: |
I think this used to be the case, but most forces have signed up to a National Scheme now.
At least that means you can take the course locally rather than go back to where the Kitten was killed. |
Run by who? any idea? And will they have a vested interest in keeping the insurance companies in the dark like the old ones did? |
I got a red light offence rider intervention one that I did the offence in Nottingham, but did the course in Ealing.
The options were all around the country, and AA was the provider.
They also told me I could legitimately say I had not done a speed awareness course as it was a 'rider intervention' course. ____________________ Previous: GSF600, FZR600 x2, ZXR750, XT600 Tenere, CB125, CZ125, ETZ 250, ER5, CCM R30, DRZ400, RF600x4, RF900x2, GS500, VTR1000F, 640 SMC, CB250 NIGHTHAWK, GT550x3, GPX750 TE610, CB500, X11x2, SV650, ZING 125, TL1000R,CB250 Superdream, CBR1100XX |
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
Joined: 20 May 2016 Karma :
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Posted: 17:24 - 01 Mar 2018 Post subject: |
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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. ____________________ KC100->CB100N->CB250RS--------->DL650AL2->R1200RS->R1250RS |
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Old Thread Alert!
The last post was made 6 years, 57 days ago. Instead of replying here, would creating a new thread be more useful? |
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