ferguson_tom Posted January 11, 2012 Report Share Posted January 11, 2012 My missus recently went on a speed awareness course that was run by the AA about £80.00 i think, she was offered it instead of 3 points and a fine. She asked about insurance and they said she did not need to tell them as she had not been charged with any offence. I must admit i always thought it was a load of balls but she has taken note and drives to the speed limit and know leaves a decent gap, which i am glad as only a matter of time till she shunted someone for being too close. Quote Link to comment Share on other sites More sharing options...
Bry-M Posted January 11, 2012 Report Share Posted January 11, 2012 Errr they can - and it depends what the policy documents say. They may be entitled to repudiate the policy but they would remain liable to pay out on any claim under the Road Traffic Act and thereafter they can sue you to make a recovery on their outlay. As long as you're covered for the accident, that's the important bit. Never known anyone to have been sued for costs due to not declaring mods/points. Wonder how common it actually is? Quote Link to comment Share on other sites More sharing options...
Mungler Posted January 12, 2012 Report Share Posted January 12, 2012 Got a couple on my books at the mo but they're drawn out and not very straightforward. Oh yeah, final word to the wise, don't do anything wrong with a vehicle on finance / HP. You want to check the wording on those babies eg in the event of a failure to insure, drink driving etc. Quote Link to comment Share on other sites More sharing options...
Dirty Harry Posted January 12, 2012 Report Share Posted January 12, 2012 Leicestershire to Cheshire. The speed you drive you'll be there in no time! Quote Link to comment Share on other sites More sharing options...
JR1960 Posted January 12, 2012 Report Share Posted January 12, 2012 (edited) Couple of things, neither hugely relevant: I was done last year and when my insurance renewal came up my policy had gone DOWN £16, same car, same company...go figure. And, my brother did one of the speeding courses a few years ago, got so peed off at being patronised all day (his words) he roared off home and got caught in the same place. Apparently crying with laughter when told was not the correct response. Edited January 12, 2012 by JR1960 Quote Link to comment Share on other sites More sharing options...
Thedeerman Posted January 12, 2012 Author Report Share Posted January 12, 2012 Leicestershire to Cheshire. The speed you drive you'll be there in no time! Quote Link to comment Share on other sites More sharing options...
Dunkield Posted January 12, 2012 Report Share Posted January 12, 2012 So is it normal to have to travel to the county that the offence was committed in?? It always was the case for court appearances [allegedly ] not sure about speed awareness Quote Link to comment Share on other sites More sharing options...
Vipa Posted January 12, 2012 Report Share Posted January 12, 2012 Insurance can't be cancelled after an accident because you haven't declared points/modifications etc. It's a well perpetuated myth. I beg to differ! check the small print on your policy, I think you will find wording to the effect of: "Failure to disclose any material fact may invalidate your policy and lead to a claim not being paid" I've worked in the industry for 20 years and have had direct involvement in instances of non disclosure and therefore non-payment of a claim... It is certainly no myth! Quote Link to comment Share on other sites More sharing options...
Bry-M Posted January 12, 2012 Report Share Posted January 12, 2012 Sorry i should clarify it won't stop the 3rd party being paid if the accident is your fault. Whether or not you get paid out (if fully comp) is down to the insurers. Quote Link to comment Share on other sites More sharing options...
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