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Quote: Originally posted by TEFKAS on 09/10/2013
Quote: Originally posted by Andy Higham on 08/10/2013You have no obligation to tell the insurance company. By taking the speed awareness course, the speeding offence never happened.
If the insurance company asks if you have any convictions, you answer No truthfully.
They should not ask if you have attended a speed awareness course.
They can ask you anything they want to determine the risk loading on the premium. If they do ask about a speed awareness course and you do not disclose, your insurance could be void.
Exactly. It's no good sticking your head in the sand, or debating the rights and wrongs, simple fact is that they can ask (and they increasingly do so) and given them false information may result in invalid insurance. They can ask what they like (within reason) to determine 'risk' and if you don't like the price you can go elsewhere. No nice, but that's how it is unfortunately. By taking the course does not mean 'the offence never happened' it's just a different consequence which avoids endorsement.
My advice is if they ask, tell them. Then go elsewhere for another quote. If they don't ask, fair enough, but CHECK THE SMALL PRINT. Some list 'Assumptions' and put the onus on you declare certain information without being asked.