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Motoring Convictions - Insurance Question.

iwanttobuy..... Avatar
7y, 4m agoPosted 7 years, 4 months ago
Hello,

I did get a letter bout a week before from my regional police department that regarding over speeding(39 in 30's region, this is my first one ever), its the very first letter that they send asking were you the driver or someone else etc. ? If you were then fill the details in the form overleaf and send it thru ... I still have to send it, will do it next week I think, have 28 days.

Now, I've just started a new insurance policy 2 days back and did not tell about this to them in 'Any Motoring Convictions' question, thinking that the police are just asking the details yet, I am not convicted YET. Am I right ?

Now am thinking through it, when I send my details to Police department and they convict, what will be the date for the conviction !? Is is the same date when I crossed the speed limit or the day I send the letter to them? If its the latter one, I am OK I guess(?) but if its the first one i.e. the conviction date is the date when I crossed the speed limit then probably I am in trouble because technically this is before my insurance start date and I should have disclosed to me insurance company. How does it work please?

Thanks.
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iwanttobuy..... Avatar
7y, 4m agoPosted 7 years, 4 months ago
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#1
best ask insurance company 1st because if you do have to claim they will look for all sorts of ways to avoid paying out and this could be exactly what they want
#2
It doesn't work like that.

Your supposed to disclose ANY endorsements no matter when you get them to your insurance company or it may invalidate your insurance policy. (It'll be in the small print somwhere)

All you should get is 3 points on ur licence and a £60 fine but think it's reduced to £30 for prompt payment.
#3
Safest to disclose - it doesn't make that much difference for three points.

It isn't worth risking the insurers not paying out if you have a claim.
#4
Hello,

I got a letter about a week ago from my regional police department regarding speeding(39 in a 30, this is my first one ever), it is the first letter, asking 'were you the driver or someone else' etc. and if you were then can you fill in the details in the form overleaf and send it thru ... I still have to send it, will do it next week I think, have 28 days.

Now, " days ago I started a new insurance policy and did not tell them about this in the 'Any Motoring Convictions' question, thinking that the police are just asking the details for now, I am not convicted YET. Am I right ?

Now that I think about it, when I send my details to the Police department and they convict, what will the date be for the conviction !? Is is the same date that I exceeded the speed limit or the day I send the letter to them? If its the latter one am I ok?. If its the first one (if the conviction date is the date when I exceeded the speed limit) then am I in trouble, because technically this happened before my insurance start date and I should have disclosed it to the insurance company. How does it work please?

Thanks.

[COLOR="Blue"]sorry I just had to edit, it was such hard work reading yours

hope you sort it :thumbsup:[/COLOR]
#5
I thought the conviction started from the day they endorse your licence (when they actually put the points on your record :thinking:
banned#6
court for convictions, usally with speeding, you give details, post your licence away, get 3 points and the old sp30 summit code and poss 30-60 fine and you have to declare to the insurance you have 3 points for speeding,

iv had to this once before i got flashed doing 82mph on the motorway (70mph)
#7
YOu will need to declare anyway, you may as well do it now, insurance requires you to declare all incidents as they happen not just at renewal, it will be on your licence with the date of offence and the endorsement date.
#8
it starts from the date you were "caught" as that is what happened to my hubby even though it went to court later and he got fined.
and you have to inform insurance of any pending prosecutions.
#9
wulshaz
it starts from the date you were "caught" as that is what happened to my hubby even though it went to court later and he got fined.
and you have to inform insurance of any pending prosecutions.


If that's the case, I wonder what would happen if you informed your insurance company of a pending prosecution, they request an additional payment to be made, you then appeal the prosecution and it is later dropped (due to camera not being calibrated or whatever). I bet you the insurance company wouldn't refund you the additional payment :?

Wonder if the policy amendment fees would apply here too? Insurance companies are such crooks... :x
#10
You should inform your insurance company, Chances are your premium may or may not go up, I got a speeding ticket and my renewal quote went up. However my premiums didn't at the time.
#11
just looked on my paper licence and it says

date of conviction 17 05 06 then date of offence 04 11 05

so as both dates are recorded it makes no difference, best to declare
#12
If you were the driver, then you have a prosecution pending. Don't assume it will be a fixed penalty £60/3 points on your licence as is the norm. It is possible (but unlikely) that the matter may be referred to court which may result in a more severe outcome. You need to disclose it to the insurance company.
#13
A normal SP30 doesnt usually trigger a jump in premiums, my husband had two SP30 a couple of years ago and the premium didnt change.
#14
Thanks Everyone - its been a great forum and help!

I just called my insurer and informed them of this 'pending' conviction - they've happily taken it asked me to let them know of any outcome and its not gonna make a difference any difference to this premium, they said however may do in the next one.

Once again Many Many :thumbsup::thumbsup::thumbsup::thumbsup::thumbsup:
#15
michelleleemoo
just looked on my paper licence and it says

date of conviction 17 05 06 then date of offence 04 11 05

so as both dates are recorded it makes no difference, best to declare


It does make a difference - the points are valid from the date of the offence which is particularly important when considering totting up, removing the points from the license and finally no longer having to declare them. However though it's not possible to declare the conviction at time of offence as the latter hasn't happened, i don't think insurance companies can charge more before any conviction although if you're applying for insurance they can use it to decide whether to insure you or not.

These days insurance companies aren't so bothered about SP30's as there's so many speed cameras out there there's plenty of people who will get one of these offences yet not be more of an insurance risk. However other similar levels of offences can add more to a premium such as being caught for going through a red light.

John
#16
[url]www.pepipoo.com[/url] is great for all motoring offence related stuff
#17
Here in staffs we have the option of going on a speed awareness course.Its a £60 fee but you dont pay the fine and you dont receive the points..Its a 4hr class .

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