I won’t win any friends here, but why should a grown up need a speed awareness course ffs. I got a speeding ticket in 1976 and vowed I’d never get another one and I haven’t. You’ve got signs on the road, a speedo in front of you and you know what the limits are for hgv’s. Some might think the government needs money, so they make a contribution and then moan about coppers.
Course I did said the cut off for points/course was 36mph (Leicester)
real cross section of society all gathered together at these SAC . id had a run in years back with the guy running the course and had rammed a sliver of bamboo in his doorlock at the time , luckily he didnt recognize me . on the course was a motorbike instructor whod been nabbed he argued the toss on several trivial points delaying the proceedings ,till someone crowed out “shurrup”
yourhavingalarf:
biggriffin:
You do not need to inform your insurance company if you have been on a sac, they cannot check due to the data protection applied to sac, but if the government can see a revenue possibility by selling that information,then it may change.If your insurer…
Directly asks the question ‘have you been prosecuted for a speeding offence or attended a speed awareness course in the last 5 years’ you HAVE to answer yes. To answer no will invalidate your policy.
And if you’ve been on a sac, and answer No how ffs are your insurance company going to find out, Make you take a polygraph test.
biggriffin:
yourhavingalarf:
biggriffin:
You do not need to inform your insurance company if you have been on a sac, they cannot check due to the data protection applied to sac, but if the government can see a revenue possibility by selling that information,then it may change.If your insurer…
Directly asks the question ‘have you been prosecuted for a speeding offence or attended a speed awareness course in the last 5 years’ you HAVE to answer yes. To answer no will invalidate your policy.
And if you’ve been on a sac, and answer No how ffs are your insurance company going to find out, Make you take a polygraph test.
So you are going to risk invalidating your insurance for £25 if they find out. A guy I worked with years ago hard a huge accident and did about £200k of damage to vehicles and road and the insurance went through everything trying to get out of it. Not 100% sure gdpr would cover an investigation from them. Also would it come out in a police report?
If they then did invalidate it with police involved I expect you will be done for driving without insurance and the fine/points for that. Seems a lot of risk to me for £25
[
You do not need to inform your insurance company if you have been on a sac, they cannot check due to the data protection applied to sac, but if the government can see a revenue possibility by selling that information,then it may change.
[/quote]
^^^^^^^^^^
+1
if the data protection act covers you then you hve not been fined,you have not been prosecuted and you have received no penalty whatsoever for any offence whatsoever.
you have paid a course fee to be bored senseless for 2 hour which has no bearing on your risk factor in driving.
tell them nothing and get on with it.
same for having a whoopsie in a truck at work.
unless your charged and convicted of an offence,then say nothing unless your a complete herbert.
kcrussell25:
So you are going to risk invalidating your insurance for £25 if they find out. A guy I worked with years ago hard a huge accident and did about £200k of damage to vehicles and road and the insurance went through everything trying to get out of it. Not 100% sure gdpr would cover an investigation from them. Also would it come out in a police report?If they then did invalidate it with police involved I expect you will be done for driving without insurance and the fine/points for that. Seems a lot of risk to me for £25
They cannot not payout, they may only payout Third Party Only, and or take you to court and claim on you for what it’s cost them, but no they cannot invalidate your insurance and then you be done for no insurance.
They cannot not payout, they may only payout Third Party Only, and or take you to court and claim on you for what it’s cost them, but no they cannot invalidate your insurance and then you be done for no insurance.
[/quote]
^^^^^^^
+1
well said that man.
if that was the cae and its unlikely it ever would be,then they cant get blood from a stone. 
Washwipe:
kcrussell25:
So you are going to risk invalidating your insurance for £25 if they find out. A guy I worked with years ago hard a huge accident and did about £200k of damage to vehicles and road and the insurance went through everything trying to get out of it. Not 100% sure gdpr would cover an investigation from them. Also would it come out in a police report?If they then did invalidate it with police involved I expect you will be done for driving without insurance and the fine/points for that. Seems a lot of risk to me for £25
They cannot not payout, they may only payout Third Party Only, and or take you to court and claim on you for what it’s cost them, but no they cannot invalidate your insurance and then you be done for no insurance.
Agreed should have been clearer about the 3rd party aspect but if you have a £10k car that you take the hit for that’s a bad risk for £25.
I am sure they would invalidate it in order to not pay out to yourself as you didn’t provide relevant details. Also prevents them covering you going forwards. That to me leaves you as driving without valid insurance and if police were involved I am sure they would be happy to have that as well
He can’t be done for no insurance, minimum requirement is Third Party, which you’ve already admitted to.
Item 9, relates to drink driving, but the fundamentals are the same.
Insurance companies do remain obliged under the Road Traffic Act to meet the costs of any claim by a third party for injury or damage.
So the fact that you were drink driving will not invalidate claims made by anyone injured as a result.
But the insurers are entitled to claim these costs back from you. In reality, this does not frequently happen, but in some cases motorists have been billed for thousands of pounds that their insurance company had paid out to a third party.
When they asked me about how i got a ticket…i told them i was speeding because a police car was following me, and seeing as my wife had left me a few days before, i thought they were bringing her back… 
joking of course, never had a ticket, i`m a good boy and a professional.
Washwipe:
He can’t be done for no insurance, minimum requirement is Third Party, which you’ve already admitted to.Item 9, relates to drink driving, but the fundamentals are the same.
Insurance companies do remain obliged under the Road Traffic Act to meet the costs of any claim by a third party for injury or damage.
So the fact that you were drink driving will not invalidate claims made by anyone injured as a result.
But the insurers are entitled to claim these costs back from you. In reality, this does not frequently happen, but in some cases motorists have been billed for thousands of pounds that their insurance company had paid out to a third party.
I have read the link and based on some previous bad experiences with insurance companies I’ll stick to my position that £25 to risk the arguments and almost certain refusal to cover your own vehicle and costs is really not worth it.