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Will the Course Attendance Affect my Insurance?


Will the Course Attendance Affect my Insurance?

No individual police force has any power to interfere with or regulate the insurance industry, and all insurance providers and their underwriters are more or less free to charge premiums based on their own assessment of risk.

A frequently asked question from people being offered and attending courses is whether or not an NDORS course offer and attendance should be notified to their insurers. Legal advice is that attendance on an NDORS course is not a conviction, nor should it be treated as a conviction, unlike a fixed penalty.

NDORS Data is NOT shared with insurance companies and they have no access to it.

There appears to be an inconsistent approach by the industry to NDORS, with a minority of insurers adjusting premiums once notified and the majority displaying no interest whatsoever.

The Consumer Insurance (Disclosure and Representations) Act 2012, came into force on 6 April 2013. This Act modifies the old common law rule that insurance policies are contracts “of the utmost good faith”, which obliged people to disclose information which might be relevant, even if it had not been requested. Under the Act, members of the public taking out insurance for mainly non business purposes, but which includes a private car policy with Class 1 business use, no longer need to try to guess what an insurer might want to know. Instead they only have to supply what is requested, either when taking out a Policy or when something changes during the life of a policy. So, unless the question regarding NDORS course attendance and completion is specifically asked at the time of taking out the policy, or at any other time during the lifetime of the policy, there is no obligation whatsoever on a driver who has completed an NDORS course to disclose this to their insurers. However, as always, the detail is in the small print.


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