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Speed Awareness Course and insurance (again)

Discussion in 'Insurance & Finance' started by BTB 500, Jun 12, 2017.

  1. BTB 500

    BTB 500 Hardcore MB Enthusiast

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    My mate Dave recently had the privilege of being offered a SAC and received the following info., confirming various discussions here:
    A useful summary, I thought.
     
    2 people like this.
  2. Delayed Steve

    Delayed Steve Hardcore MB Enthusiast

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    :So, do you have to tell them or not ?:dk:
     
  3. gaz_l

    gaz_l Hardcore MB Enthusiast

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    Interesting. Given that I hold the view that insurance companies are - in the main - the worst kind of bottom feeding scumbags, the phrase "the utmost good faith" should clearly have no place in any dealings with them. One up for the consumer there, I think.

    Cheers,

    Gaz
     
  4. OP
    OP
    BTB 500

    BTB 500 Hardcore MB Enthusiast

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    Only if they ask.
     
  5. OP
    OP
    BTB 500

    BTB 500 Hardcore MB Enthusiast

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    One other observation ... the SAC was £80, compared to £100 for a fixed penalty. Pretty sure the course used to be the more expensive option - I assume the fine has increased; interesting that the course fee hasn't.
     
  6. davidjpowell

    davidjpowell Hardcore MB Enthusiast

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    Give them time...
     
  7. magpiemalemerc

    magpiemalemerc Active Member

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    mine was £90 for the course....
     
  8. moonloops

    moonloops Hardcore MB Enthusiast

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    The law says you can lie to insurers if the lie is "collateral" :thumb:

     
  9. MD5

    MD5 Hardcore MB Enthusiast

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    Mine was £108, about three months ago.

    As said, they advise you not to lie to your insurers if asked about the course, but they also suggest that some insurers will reduce your policy premium because of the perceived benefits from attending one of these courses. I've just renewed four cars on a multi car policy with Admiral, who increased my policy by about £200 because of this.

    I think the better question to ask at the course would be "Is my attendance of this course registered on a database?", as they tend to fudge around issues which compromise their ethos or teachings.
     
  10. ringway

    ringway Hardcore MB Enthusiast

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    I went and a SAC around three years ago.
    The guys running the course said that their powers that be had been getting stuck into the insurance companies about penalising SAC attendees, because the course is designed to make people safer drivers.
    If people are penalised for attending, then nobody will want to attend apart from wiping the points from their licence.

    I actually found the course quite interesting and learnt a couple of things from it.
     
  11. markjay

    markjay Hardcore MB Enthusiast

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    Had anyone ever attended a SAC voluntarily.... i.e. not in relation to a speeding offence?
     
  12. SPX

    SPX Hardcore MB Enthusiast

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    The SAC racketeers will be bricking it that their nice little income stream is going to be taken away by the even bigger racketeers; car insurers.

    As the owner of a license that's never had any points, this doesn't affect me up here though.
     
  13. Druk

    Druk Administrator Staff Member

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    You remind me of myself Lee. There but for the grace of god go I? ;)
     
  14. rifiki

    rifiki Hardcore MB Enthusiast

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    I believe the police make money on SAC
     
  15. Conquistador

    Conquistador Hardcore MB Enthusiast

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    On the course I attended, the chap running it was very clear and put emphasis on the fact that the ONLY people who can access the database to see if you have been on a course are the police. It's private and confidential and really is just a case of you are on the database for 3 years then you aren't on it and are likely to be offered another Speed Awareness Course (as I was).

    But then don't insurance companies say they check police databases for convictions etc.?
     
  16. Conquistador

    Conquistador Hardcore MB Enthusiast

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    Was a bit awkward on my course. A lady took the day off work to attend it, not telling her husband... He then walked in the door a few minutes later after telling her he was in meetings all day but was on the course too :D
     
  17. SPX

    SPX Hardcore MB Enthusiast

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    The air is much clearer up here though pal, don't you agree? :D
     
  18. Plasmadaddy

    Plasmadaddy New Member

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    That's a great question!

    I did a course a couple of years ago and found it quite interesting.
    I asked whether people could attend a course just by paying (i.e. not being required to go on one based on an offence)

    Short answer was no! It's not something they offer....
     
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  19. Conquistador

    Conquistador Hardcore MB Enthusiast

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    Well interestingly the guy conducting our course said they had signs outside the venue (which was at Colchester United football ground) a couple of weeks ago offering basically a free version of the SAC, focusing on education and not one person showed up.
     
  20. mat8n

    mat8n Hardcore MB Enthusiast

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    I've been saying this for years, since i had my first SAC, and had an accident within the 3 years.
    I've never informed the insurance company IF THEY ASK, if they ask, their quote has never been the cheapest so i don't use them.

    It's not lying.
     

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