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Campaigners said this lulls many motorists into a false sense of security that they do not have to declare the course to insurers, in the hope their premiums will not rocket for a speeding-related offence.

• Motorists face 'zero tolerance' approach to speeding on the motorways However, insurers usually operate a “catch all” clause in their policies about keeping them informed about factors which may affect your driving, and failing to declare a course could lead them to cancel cover in the event of an accident, experts said.

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The warning comes as The Telegraph exposes for the first time the full extent of the links between the national organisation for chief police officers and several companies which make huge profits from safety awareness courses.

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