Declaring speeding fines or not?

ols81

Would be gratful if anyone can help me understand speeding fines and my car insurance!

I have 2 SP30's, one dating back to 2005 and one in 2007. As far as the DVLA is concerned I only have 3 points as they come off your license after 4 years but for insurance purposes they ask for 5 years history. Problem is I've lost my license so have no idea when in 2005 the SP30 is from.

Should I declare it or not bother, bearing in mind having rung the DVLA they told me their records only go back 4 years. If i don't could it make my insurance invalid? Where would the insurance company find out from anyway?

Its for a 2001 Honda S2000 with 1 year no claims and best price so far is 1026 with only 250 excess! Not bad or should I keep looking? (was from comparethemarket.com)

Would appreciate any advice you kind people have.

raskazz

You have to declare it as it is an unspent conviction. Best would be to work on the 'worst case' basis and disclose the older one as from the 31/12/05.

I would be amazed if the DVLA deleted all records after 4 years, and I''m fairly sure that they don't, so I would get back in touch with them.

iamana1ias

Are the details not on your current insurance paperwork?

_Andy_

How about just telling the truth?

eslick

tell them if you dont and you need to claim they will find out and you wont be covered

warrend

to put it another way;

A friend has just had to fight tooth and nail after his car was hit (was parked an a bay, car smashed in to it to avoid a dog). The other driver Admitted liability, but the claim was rejected as his car had an illegal tyre on it. He later went on to prove the tyre wasn't illegal, but an insurance company will do everything reasonable to protect themselves.

Do you want to find yourself in the position of not being insured and all that brings?

the DVLA may delete records - but the court system doesn't

dacouch

warrend wrote: »

to put it another way;

A friend has just had to fight tooth and nail after his car was hit (was parked an a bay, car smashed in to it to avoid a dog). The other driver Admitted liability, but the claim was rejected as his car had an illegal tyre on it. He later went on to prove the tyre wasn't illegal, but an insurance company will do everything reasonable to protect themselves.

Call it a lucky guess but were they with Quinn by any chance?

Either way here is the Insurance Ombudsman's ruling on a roadworthyness

13. roadworthiness

Most motor policies contain an express requirement that the vehicle must be maintained in a roadworthy state. If so, where there is good evidence that the loss or damage was caused (or substantially contributed to) because the vehicle was unroadworthy, we are likely to consider it fair for the insurer to reject the claim.

In other cases, the insurer might reduce the payout on the basis that the vehicle was not in good condition. If so, where there is good evidence that the vehicle would have failed an MOT test, we are likely to consider it fair for the insurer to take this into account in assessing its value.

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html#13

glider3560

ols81 wrote: »

Problem is I've lost my license

You really should get it replaced asap. If plod pulls you over and wants to see your licence within 7 days, you might have a problem getting a replacement this quickly.