Quizzes & Puzzles11 mins ago
Informing The Insurance Company
If you are caught speeding and instead of the points on licence/fine penalty you are accepted for the Driver's Awareness course, so no change to your Licence is incurred, would you still have to inform your car insurer's. Thanks for any advice.
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A simple "yes" or "no" will not suffice.
When you are accepted for insurance you will find a condition something like "You must let us know if you are involved in any accidents or incidents or if you are convicted of any motoring offence, or accept any fixed penalty instead of a conviction, or are offered any other disposal instead of being prosecuted for any motoring offence". The exact wording of this (particularly the last part as far as your question goes) will vary from insurer to insurer and you must check your policy wording carefully to get a definitive answer to your question.
When you are accepted for insurance you will find a condition something like "You must let us know if you are involved in any accidents or incidents or if you are convicted of any motoring offence, or accept any fixed penalty instead of a conviction, or are offered any other disposal instead of being prosecuted for any motoring offence". The exact wording of this (particularly the last part as far as your question goes) will vary from insurer to insurer and you must check your policy wording carefully to get a definitive answer to your question.
There is certain to be some such wording as NJ suggests and you would be safe in answering that part truthfully; if it does not mention any such thing as doing speed awareness, that not being seen as a conviction, you are in the clear.
Curiously, in the unlikely event of there being no such question at all, you could be liable for not declaring that! That's because of what lawyers call the uberrimae fidei rule. That provides that the applicant must declare every fact known to them which might affect the insured risk, whether the insurer asks for it specifically or not. That's why you get told to disclose all material facts before you get asked any questions in asking for a quote. But here, since the insurer will have asked questions about convictions , accidents etc, it would be reasonable to think that they are aware of 'speed awareness' and have chosen not to ask about it because they don't regard it as material. Some insurers do ask about it, but not many.
Curiously, in the unlikely event of there being no such question at all, you could be liable for not declaring that! That's because of what lawyers call the uberrimae fidei rule. That provides that the applicant must declare every fact known to them which might affect the insured risk, whether the insurer asks for it specifically or not. That's why you get told to disclose all material facts before you get asked any questions in asking for a quote. But here, since the insurer will have asked questions about convictions , accidents etc, it would be reasonable to think that they are aware of 'speed awareness' and have chosen not to ask about it because they don't regard it as material. Some insurers do ask about it, but not many.
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