CERAD course affect car insurance renewal?

the_worrier · 17 Jun 2018 at 07:57

I just finished a 4 week, level 3 certificate in emergency response ambulance driving as I am training to become a Paramedic.

Will this advanced driving course reduce or increase my personal car insurance renewal price?

Dis86 · 17 Jun 2018 at 09:28

Diagro · 17 Jun 2018 at 10:14

Dis86 said:
Yes.

Helpful post of the year award goes too
..

the_worrier · 17 Jun 2018 at 14:55

Hmm. Yes, what??

Jez · 17 Jun 2018 at 15:03

I have never in my life been asked whether i have whatever that course is or not. So i would say that it seems unlikely that it will affect you.

I'll caveat that with the question of whether you will be forced to answer that you are a professional driver or not.

Scania · 17 Jun 2018 at 15:57

In my experience, being anything near the description of a “Professional driver” will actually increase your premiums, their rationale / excuse / bare faced lie if as your on the road a lot of the time your more likely to have an accident / claim.

My insurance is far cheaper if I declare my profession as paperboy rather than a Class 1 HGV driver....

mattyg · 17 Jun 2018 at 16:04

Actually possibly good news for the op

its from 2017 but look a the second info box...

http://www.thisismoney.co.uk/money/...ons-worst-driving-track-records-revealed.html

the_worrier · 17 Jun 2018 at 16:34

Mixed then...

Jez · 17 Jun 2018 at 18:26

Scania said:
In my experience, being anything near the description of a “Professional driver” will actually increase your premiums, their rationale / excuse / bare faced lie if as your on the road a lot of the time your more likely to have an accident / claim.

My insurance is far cheaper if I declare my profession as paperboy rather than a Class 1 HGV driver....

To be honest the way that HGV drivers try and block you and drive all over the place, blocking lanes when overtaking etc, i'd damn well hope that they'd be penalised. I nearly crashed into one this morning as he tried to block a merge in turn by pulling out of the queuing lane to straddle both lanes and pointlessly block the free one. :mad:

/can of worms

Sin_Chase · 17 Jun 2018 at 21:53

Made no difference to any of my insurance quotes. Not that specific course but the same sort of thing with a different name (different service).

jpaul · 17 Jun 2018 at 22:42

.. might declaring yourself as a paramedic, not impact insurance more .... does shift work have higher commuting accident risk ???

IAmATeaf · 18 Jun 2018 at 09:16

Jez said:
To be honest the way that HGV drivers try and block you and drive all over the place, blocking lanes when overtaking etc, i'd damn well hope that they'd be penalised. I nearly crashed into one this morning as he tried to block a merge in turn by pulling out of the queuing lane to straddle both lanes and pointlessly block the free one.

/can of worms

To be fair I've also seen my fair share of idiot car drivers who fail to absorb and take into account the situation and give lorry drivers the space they'll need which then 10 yards further up the road will cause the traffic to stop just cause the numpty doesn't understand the dynamics of lorries and how they move. So it's no surprise that lorry drivers do defensive driving in anticipation.

Liquidfox · 18 Jun 2018 at 13:56

Jez said:
I have never in my life been asked whether i have whatever that course is or not. So i would say that it seems unlikely that it will affect you.

Some of the specialist insurers and brokers have asked if I have any additional driving qualifications, I'd say that CERAD would likely count.

Will · 19 Jun 2018 at 11:22

I completed a 4 week police response driving course, for me it made no difference at all when it comes to insurance.

Luke · 19 Jun 2018 at 12:49

I have the same qualification, it made no difference to any of the insurance companies I have been with.
One tip for when you qualify, if you state you are a paramedic your premium may well rise. Stating ambulance crew doesn't have the same increasing effect.

jigger · 19 Jun 2018 at 13:13

Depends on other factors with the big one being the insurance company. If theft or uninsured drivers are the biggest liability for your area then probably not. If you as a driver are seen as the bigger liability then maybe.