Stone made small chip on passenger's side of windscreen. After making claim thru insurer's glass service was told premium would go up by £50 but no penalty to NCB. Then I got a speeding ticket and have opted for speed awareness course so no points on licence. But insurer says point or no points I was caught speeding so expect another 10%-15% on premium.

 

Are these increases normal?

I thought you wasn't penalised now for 3 points anyway

I thought you wasn't penalised now for 3 points anyway

 

I have been - I got 3 points for SP50 (speeding on a motorway) and some insurers don't seem to care much some do.  Current insurer (AVIVA) seems to make about £20/yr difference but they're the cheapest anyway.

 

Personally I'd advise the OP to shop about and go with another insurer.

Most don't increase for 3 points but they can.

As for the glass claim increase I believe it is becoming more common.

My insurance increased by £1 a year for making a windscreen claim. I thought the whole point of taking the speed awareness course things meant you don have to tell your insurance company? Also what happens if you're stopped by the gendarme in France and given a fixed penalty notice? Do you have to tell your insurance company about this as no points are issued?

I'd suggest you shop around come renewal time and tell them you'll be off if they do charge you for the remander of this years cover. As above some insurers have changed their tack so now slip you one for speed awareness courses while others don't. Making you also pay for a screen repair is a bit harsh too.

vote with your feet mate. There's plenty more out there that will want your business.

is an insurer want to increase your renewal  premium for any reason what so ever they can do so. Likewise you can refuse to accept their renew and vote with your feet.

Hi,

When your policy is due for renewal if you decide to shop around please feel free to drop me a line.

regards,

Dan.

As others have said, I wouldn't think you should even have to tell your insurance company if you were caught speeding if you didn't get any points? I got an SP30 last June and it didn't affect my insurance until renewal time in January this year where the quotes were quite a bit higher. Although I am 21.

But of course, shop around and get the best deal possible.

As others have said, I wouldn't think you should even have to tell your insurance company if you were caught speeding if you didn't get any points? I got an SP30 last June and it didn't affect my insurance until renewal time in January this year where the quotes were quite a bit higher. Although I am 21.

But of course, shop around and get the best deal possible.

You don't have to tell them about a speed awareness course unless they ask.

They used to just ask if you had points or convictions but now a lot are asking about these courses.

You don't have to tell them about a SAC, from what I've been told there are no databases given to insurers to check for this.

I'd find another insurer

There was a big thing about this a year or so ago where insurers were increasing premiums for SAC. Thid was because everyone was doing the course and getting away without any increase in premium. At the end of the day being caught speeding is the same whether you do a course telling you not to or you pay up and get some points. What difference does it make to your risk from an insurers point of view?

There was a big thing about this a year or so ago where insurers were increasing premiums for SAC. Thid was because everyone was doing the course and getting away without any increase in premium. At the end of the day being caught speeding is the same whether you do a course telling you not to or you pay up and get some points. What difference does it make to your risk from an insurers point of view?

 

But what difference does it make to your risk if you get caught speeding? Surely if you get caught then you'll think twice about doing it again, its the people who don't caught that are the ones to worry about cause they think they can get away with it.

Yeah but the argument was that the SAC meant that people didn't think twice as they had effectively got away with it. I know quite a few people who have done these and they really don't care as its a day dossing about.

Most insurers terms now have clauses that SAC must be declared.

The majority even charge for windscreen repairs, which is why auto glass haven't been plugging it in their ads for a while now

Insurance premium increases depend on the risk profile of the insured and the insurance company. Most insurers consider a speed awareness course a penalty in lieu of points and is notifiable. It is still worth doing the SAC as this often leads to a smaller increase.

Windscreen damage still costs the insurer, so why wouldn't it raise the premium if you claim? It used to be the case that the insurer would eat the cost as it was less than any admin and it was considered a no fault claim. Whilst it is still considered no fault, it does change the risk profile of the insured.

Why tell them about SACs, there's no database that they legally have access to so don't tell them.

Why tell them about SACs, there's no database that they legally have access to so don't tell them.

 

Are you sure about that?

Why tell them about SACs, there's no database that they legally have access to so don't tell them.

If the terms and conditions of your policy say that you must tell them, you don't and they find out they'll void your policy.

Remember the question "have you ever been refused insurance or had a policy cancelled by the insurer?" question you get asked? That'll be a big issue in getting insurance if the answer is yes....

Why tell them about SACs, there's no database that they legally have access to so don't tell them.

Of course there is. That's how they know if you've taken one before.

There is some interesting reading in the report below into Speed Awareness Courses - The implications for insurance.

http://www.cii.co.uk/media/4048082/cii_new_generation_uw_group_-_speed_awareness_courses_-_the_implications_for_insurance.pdf

This bit of the report gives an idea of what needs to be thought through by insurers.

'A meeting between ACPO, the ABI and members of the New Generation group took place in February 2012.

The meeting was arranged following a complaint ACPO received from an attendee of a speed awareness course after their insurer had loaded their motor insurance premium as a result of their attendance on the course. The insurer in question was not disclosed. The ACPO representative asked the ABI if they could instruct their members to discontinue this, as not having to disclose attendance was seen as a benefit of attending a SAC.

The ABI advised that this could not be done because the industry cannot collectively decide, be instructed, or even steered on what is a relevant rating factor. To do so could be contrary to anti-competition law and must be avoided at all costs...'

I know forces get given £125 per attendee from Central government.

The fee charged to attend goes towards running the course

Ive done the speed awareness course. They state quite clearly when your there that your insurance will only find out if you tell them. It has no bearing on your licence so nobody needs to be told. It is only held that you did it by your local force/council and is confidential so they couldnt access it if they tried.

That came from a police officer that was doing the course and was backed up by the people delivering it.

It is an awareness course. Same course as the driver improvement course that people who have their licence a long time can take for a refresher. You dont have to tell insurers about that either.

I know forces get given £125 per attendee from Central government.

The fee charged to attend goes towards running the course

what forces? The courses are run by the council that ran and maintained the camera not the police.

I have an insider in a SCP. They are run by the police