overweight vehicle conviction / insurance

pumpkin-head

People here seem to have all kinds of useful knowledge so maybe someone can advise me or point me in the right direction. I've been trying to find out about this for a while and googling has got me nowhere.

I have a conviction for driving an overweight vehicle, 2 charges - 1 relating to the rear axle and the other to the overall weight of the vehicle, for which I received a fine but no license points.

My problem comes when I try to declare this for car insurance, (I'm not even sure I need to but would rather do so than have it come back as an issue in event of an accident). There is no offence code, that I've ever been made aware of or been able to find. The wording on the charge sheet is 'Contrary to the Regulation 80(1)(a) of the Road Vehicles (Construction and Use) Regulations 1986 and Section 41B(1) of the Road Traffic Act 1988 as amended'. Different insurers treat it in different ways.

I'm currently with Aviva who say it's irrelevent, although I have requested that they make a note that I've informed them of it. But another company I just got a quote from put it through as a CU50 'Causing or likely to cause danger by reason of load or passengers', which I'm sure it isn't as that carries 3 license points.

I've never been able to find a definitive answer of what and how I should declare this, what category it falls under and how long before this conviction is spent. Any information, even just about who to contact, would be appreciated.

Hintza

You don't have a conviction (nothing on yor licence), you have had a fine. Just forget it.

CaptainKidd

Like Hintza said, its just a fine similar to if you got a fine for not wearing a seatbelt, aslong as you didnt have to send your license away and there are no extra codes added then just forget it.

Stigy

Hintza wrote: »

You don't have a conviction (nothing on yor licence), you have had a fine. Just forget it.

A bit out of my comfort zone, but it looks like he's been convicted at a Magistrates' Court, but he has no points because it's non-endorsable.

OP, there's no offence code because it's a non-endorsable offence I believe. Being the case, I think I'd be inclined to disclose this offence only if asked by your insurer if you have ever been convicted of an offence (ie; any offence and not just a motoring one). If they're specific about motoring offences they're probing you to see how many points were issued really.

Yorkie1

It is indeed a conviction for a motoring offence but one which does not carry endorsement. The CU50 code relates, I think, to s.40A RTA using vehicle in dangerous condition. They are wrong to put that on the quote.

If you are asked if you have ever been convicted of a motoring offence then the correct answer is yes; breach of requirement as to weight contrary to s.41B RTA 1988.