Safe Speed Forums

One thing that confuses me is why insurance rates are barely affected by IAM and often not at all by ROSPA, yet strongly affected by Pass Plus. That is completely the wrong way round.

Presumably it reflects real-world claims experience. Insurance companies are not stupid, and they are involved in running a business, not making value judgments.

Both qualifications are to a large extent self-selecting - in general, they will be done by people who are more responsible drivers anyway. At 18, there is no other way for the insurers to tell, but by the time people come to do IAM or RoSPA, typically ten or twenty years later, their inherent risk will already be reflected in their claims history.

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"Show me someone who says that they have never exceeded a speed limit, and I'll show you a liar, or a menace." (Austin Williams - Director, Transport Research Group)

Any views expressed in this post are personal opinions and may not represent the views of Safe Speed

Yes, I figured that it reflected real world accident stats, but was confused how the worse courses were leading to a lesser risk than the better ones, but now you mention claims history I suppose it makes sense.

when i did my ROADA stuff my instructor had been involved in writing the pass plus material..... when he renewed his insurance and asked about his advanced qualifications they suggested he take pass plus

i think my conclusion previously was that the insurance companies that recognise advanced qualifications are the more expensive ones anyway.