Car Insurance - Non Declaration

cannon

Hello all, i am new to the forum and i am looking for some advice. I will try to give as much detail as possible to try and help you out.

Last year (February 2009), i received 3 points on my licence for an SP30. At the time i asked the police if there was anything else i would have to do about the points, and also if there would be any correspondence about them, as i did not want my parents to find out. To both questions they answered "No", and sent me on my way. So i paid the fine and tried to forget about it.

Now to the insurance part. I am only a named driver on my dad's insurance policy, and due to this i somehow thought that it would not matter to the insurance company about the SP30. I have now recently realised that this is not the case, and i have been having a few sleepless nights due to it.

Last December my dad had to make a claim on the insurance as he reversed into someone due to adverse weather conditions. The claim was accepted and both cars were fixed after a long backlog.

I am going to be honest with my parents and tell them about the points, and how i was naive in thinking that i didn't have to notify the insurers.

What i am looking to find out is, if i get my dad (the main policy holder) to phone up MORE TH>N and explain the situation, and how it was an honest oversight, what they are most likely to say?

I know that i will have to pay an extra premium for the two renewals since the incident, although i have no idea how much that would be. Currently the annual premium is around £500 for my dad, my mum and me. Would anyone be able to have an educated guess at what the extra premium might be?

I am not looking for sympathy, nor am i looking to be told how stupid and naive i have been. I would really appreciate some solid advice here about what to do, and how much extra i will probably be looking at paying.

Regards, Cannon.

adouglasmhor

Just man up or Woman up for that matter. You shouldn't really have been driving as your dad's insurance may have turned round and said you were not covered if you had needed it!
Tell your mum and dad, your dad can contact his insurance company, while not lying I wouldn't say you have been driving it since this happened unless directly asked if I was your dad.I might consider very carefully whether you got to use the car again for a while though.

dtaylor84

I recently bought insurance from elephant.co.uk. In the policy booklet they set out specific timescales for notifying them of certain changes. See page 7 (numbered as page 5) here: http://www.elephant.co.uk/policyDocs/EL51%200610%20Policy%20Booklet.pdf

So you (your dad, actually) should have notified them at the time of the renewal...

Elephant say this:

Keeping your policy up to date
Important: You must tell us about any material changes in circumstances, as we may not be able to offer cover in every case. If we are not told about material changes in circumstances this could affect the amount you are able to claim or may even mean you are unable to make a claim. If the circumstances differ significantly it could even result in your policy being declared void.
Material changes in circumstances are any factors that differ from the information given previously, for example if you have received motoring convictions since your policy started.
If we are able to offer cover we will calculate any difference in premium from the date you were obliged to notify us (even if this happened in a previous period of insurance). Please note the notification timescales described below.

More Than probably have a similar clause. All you can do is tell them and find out what they intend to do. In my opinion, for a simple SP30 it is unlikely they will do more than ask for any increase in premium... but there's only one way to find out.

But you definitely need to tell them. You don't want them to find out you have an undisclosed speeding conviction because you need to make a claim!