Surely this register is subject to GDPR and such information cannot be disclosed without permission?
Believe me, if you cause an accident which makes an insurer liable to pay out many thousands of pounds, especially one involving serious personal injury, the insurers will find out everything there is to know about you, including your inside leg measurement.
That said, it's quite true that most of the time insurers are relying on honesty. But you might as well say the same about motoring endorsements. They, too, are subject to GDPR but there is simply no point in concealing them. It's foolish and a recipe for disaster. As well as that, many insurers are now moving over to the "MyLicence" system developed by the MIB in partnership with the DVLA. This allows insurers access to the DVLA database to check a proposer's driving record. It relies on permission because the proposer is asked to provide his DL number in order for the check to be made. Proposers are not compelled to provide their DL number but then insurers are not compelled to offer them a quote or may charge different premiums if they do not . If they wanted to I'm sure insurers could develop a similar system to check for course participation but it seems they lost interest in courses a couple of years ago. I believe Admiral was the only major group which asked the question and I don't know that any have taken up the idea since.
|