As I understand it, the insurer has no way of knowing if you've done a course. But, if your insurer says you must declare a speeding course, and you don't, you have committed insurance fraud. And if they then find out, say via 'social media' be prepared for a huge hike in premiums - if they'll even cover you at all!
And declining to cover will haunt you till the end of your days. I've got one, but it was so long ago I really don't mince my words. Nor does it make any difference, long story, basically broker incompetence.
