SV650.org - SV650 & Gladius 650 Forum



Bikes - Talk & Issues Newsworthy and topical general biking and bike related issues. No crapola!
Need Help: Try Searching before posting

Reply
 
Thread Tools
Old 04-06-18, 07:23 AM   #1
Craig380
Member
 
Join Date: May 2015
Posts: 492
Default Insurance Q: awareness course or points & fine?

Does anyone have any experience of whether doing an awareness course bumps up insurance premiums, in the same way that getting points does?

I got pulled over at the weekend and got a NIP for riding without due care (misjudged an overtake, nothing happened, but was observed by police car).

After all the usual license / insurance / MOT checks I had a chat with the officer, he reckoned that given my clean license (never had any previous convictions), I'd probably get offered an awareness course as an alternative to points and a fine.

I know it's not a legal requirement to inform insurers that you've done a course (because it's technically not a conviction) but I don't want to risk them refusing a future claim because I didn't tell them.

So any experiences would be very welcome, thanks
Craig380 is offline   Reply With Quote
Old 04-06-18, 07:33 AM   #2
Grim-Lock
Member
 
Grim-Lock's Avatar
 
Join Date: Feb 2015
Location: Rainham, Essex
Posts: 111
Default Re: Insurance Q: awareness course or points & fine?

i believe user LittlePeaHead actually got a discount from her premium by arguing a greater awareness and respect for safety after taking a course although your milage may vary.
Grim-Lock is offline   Reply With Quote
Old 04-06-18, 07:36 AM   #3
garynortheast
Member
Mega Poster
 
garynortheast's Avatar
 
Join Date: Mar 2010
Location: Mid Wales
Posts: 1,167
Default Re: Insurance Q: awareness course or points & fine?

When I did my course, the guy leading it made the point that unless there is anything in the small print of your insurance application to the contrary, you do not need to inform the insurance company as the course is not a conviction. He spent several minutes laying this out very clearly to us.
garynortheast is offline   Reply With Quote
Old 04-06-18, 08:15 AM   #4
Sir Trev
Member
Mega Poster
 
Sir Trev's Avatar
 
Join Date: Jun 2005
Location: High Wycombe, where the chair factories used to be
Posts: 1,196
Default Re: Insurance Q: awareness course or points & fine?

I guess if they specifically ask though you should be truthful. One advantage of an online application of course is if it's not on the form then it will never come up but if you call and speak to a human you may be asked. Got a feeling I have been in the past when arguing about my automated renewal premium being a joke.
__________________
We are the Goon Squad and we're coming to town, BEEP BEEP!
Sir Trev is offline   Reply With Quote
Old 04-06-18, 08:21 AM   #5
Craig380
Member
 
Join Date: May 2015
Posts: 492
Default Re: Insurance Q: awareness course or points & fine?

Thanks all - via the power of the intermeweb, my insurer's website (a popular bike insurer whose name rhymes with Barrel Crash ) specifically states that policyholders do NOT need to inform them about awareness courses. So that's good.

Just have to wait for the letter now, to see if they do offer me a course.

The experience will teach me to be more cautious around Blaenau Ffestiniog, that much is certain ...
Craig380 is offline   Reply With Quote
Old 04-06-18, 12:09 PM   #6
Chris_SVS
Member
 
Join Date: May 2017
Location: Northern Ireland
Posts: 149
Default Re: Insurance Q: awareness course or points & fine?

Rule of thumb is take care around places I can't pronounce

Many years ago my points had no effect on insurance
Chris_SVS is offline   Reply With Quote
Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Speed awareness course could mean higher insurance costs NewsBot News 0 19-11-12 08:30 PM
Speed awareness course could mean higher insurance costs NewsBot News 0 19-11-12 05:10 PM
Speed awareness course vs 3 points Fizzy Fish Idle Banter 27 03-07-11 06:22 PM
3 Points, 60 Fine And A Dozen Red Roses Speedy Claire The Border Patrol 22 17-06-11 09:31 PM
DOH!!!! 3 points and 60 fine xXBADGERXx Idle Banter 22 14-09-10 12:45 PM


All times are GMT. The time now is 10:23 PM.


Powered by vBulletin® - Copyright ©2000 - 2018, Jelsoft Enterprises Ltd.