11-22-2012, 04:36 PM | #23 | |
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But not in London,it,s to far to comute. I will check the post for 2 weeks.
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11-22-2012, 04:48 PM | #24 | |
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11-22-2012, 04:57 PM | #25 | |
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As long as they don't ask... don't offer to tell them .. simples!!
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11-22-2012, 05:00 PM | #26 | |
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Fingers Crossed..you might not anything in the post
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11-22-2012, 05:40 PM | #27 |
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Sadly they get you with the 'duty of disclosure'
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11-22-2012, 05:58 PM | #28 |
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Not sure if they have the capability just yet..
They would need a central database to check if you withheld that you'd been on a SA course, from what I gather the courses are run by independent companies local to where your were caught speeding.. Unless things have changed now. I haven't been on one for years as I have been a good boy...
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11-23-2012, 02:04 AM | #29 | |
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Actually was more to do with road awarenes than being accusatory - left realising that driving these days is more about anticipating the lack of awareness of others and planning for consequential dramas / accidents which may have had nothing to do with you ie all in all staying out of trouble so you dont have all the hassle of insurance claims My six cents anyway... |
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11-23-2012, 02:59 AM | #30 | |
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What gets me is that the onus is on the policyholder to disclose what they think is relevant, but most policyholders are not insurance experts so how could they possibly know everything that's relevant? That leaves a grey area that can leave a claimant seriously out of pocket through no real fault of their own. E.g. if you are aware of an attempted break-in (car or house) then even if you don't intend making a claim, you're supposed to disclose this to your insurer as they will consider it a material fact. What they do with that info is up to them, be it hiking your premium, withdrawing cover or ignoring it. I saw a guy's medical claim being rejected simply because he hadn't disclosed that his father had suffered a completely unrelated illness. Claims handlers can be evil, callous b@$tards
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11-23-2012, 04:04 AM | #31 |
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Apparently these courses now DO increase insurance premiums. Big piece about them on news last week.
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11-23-2012, 05:00 AM | #32 |
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More good news.
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11-23-2012, 05:20 AM | #33 |
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You can take the course locally can't you? It doesn't have to be in the same county/city.
I got a letter last week from Thames Valley Police, 35 in the 30 from a mobile van. Thankfully her indoors was driving so she can do the course. |
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11-23-2012, 05:35 AM | #34 | |
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Not had the dreaded NIP yet.
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12-05-2012, 11:00 AM | #35 |
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UPDATE: 15 days now NO NIP so how do I stand legally?, if it arrives now I send it back or what. They are out of time.
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12-05-2012, 11:35 AM | #36 |
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Good news John. They have to send it to the registered keeper within 2 weeks of the offence, so you're in the clear
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12-05-2012, 11:38 AM | #37 |
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Great Mark, just hope it does not come tomorrow.
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12-05-2012, 12:48 PM | #38 |
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John you would be very unlucky to get it on the last day...fingers crossed!
Tommorrow drinks are on you...
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12-05-2012, 01:29 PM | #39 |
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12-05-2012, 04:20 PM | #40 |
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I was on a course last wednesday and after reading on here I asked the guys taking the course.
They insisted that unless asked by your insurance company you don't have to make them aware that you have been on a speed awareness course. ??
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12-05-2012, 05:07 PM | #41 |
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I would agree ...where would you draw the line on what to and what not to disclose??!!
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12-05-2012, 05:49 PM | #42 |
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I'd check the terms of your insurance policy just to make sure, and if anything is open to interpretation then err on the side of caution; you know what insurance companies are like!
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12-06-2012, 04:15 AM | #43 |
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Well it did NOT arrive today, so thats 16 days and if it turns up it goes back with a note "Out of the Notice period".
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