Speeding fine 4 years, 9 months ago

fogma

Hi,

I passed my test July 2007 and got a speeding fine (SP30) in October 2007.

Since then I've had no other fines/accidents etc.

I have 3 years NCB.

Admiral have quoted £985 but if I take off the speeding fine it's £800!

That's an extra £185.00 when in 3 months time, I don't even have to declare the endorsement.

The endorsement has also been removed from my counterpart as it was more than 4 years ago.

Do you think it's worth haggling with Admiral and I assume I've legally got to declare it even if it's not on my counterpart?

Quentin

You do have to declare it.

They might haggle with you, but have you shopped around for the best deal?

fogma

that's the cheapest quote i've found by a considerable margin. (like by £1000!)

I'm adding my 20 year old girlfriend to the policy and it's a large old diesel estate so i'm struggling to get it any cheaper.

InsideInsurance

Is Oct 2007 the date of the incident or the date of the judgement? It stops having to be declared 5 years after the judgement (rather than the incident).

You do have to declare it because it is not a "spent" conviction under the rehabilitation of offenders and so an insurer is entitled to ask for it and rate on it even if it has come off of your counterpart.

You can try negotiating but at 3 months cover there is unlikely to be much else you can do than hope for goodwill and look forward to cheaper premiums next year

fogma

The date of the incident and judgement I think.

I happen to have kept my old counterparts with the specific information on it but the DVLA do ask they are returned so I shouldn't really still have the details - am I supposed to keep hold of this information anyway?

The insurance quote is for 12 months not 3 months cover.

Should I phone them up in October and say I no longer have any endorsements within the last 5 years and get a requote?

InsideInsurance

I'd be highly surprised if your offense and conviction were in the same month. Most courts are snowed under and its at least a few months difference even if you don't contest it. Yes, you do really need to keep the details of it, it is after all legally a criminal conviction even if the many will dismiss it as just one of the risks of being a driver.

You can notify them but their system will know when it drops off anyway as you have to give them the conviction date during the quote period. You could cancel and rebuy after 3 months but when you add on cancellation fees, loss of 3 months towards another years NCD etc it may well outweigh the benefits of it dropping off.

Plus if your sure the incident was in Oct 2007 then I think you;ll find the conviction was later and so you've more of a year to go before it drops anyway

Quentin

fogma wrote: »

....The insurance quote is for 12 months not 3 months cover.

Should I phone them up in October and say I no longer have any endorsements within the last 5 years and get a requote?

If it's cost effective at the time, then cancel and start a new policy without the conviction.

They won't amend you premium mid term over this (and of course you wouldn't have had to pay any extra (till renewal), if you had a policy at the time of the conviction)

fogma

Just to confirm it was a standard SP30 fine and 3 points so not sure why it would need to go through the courts. The October date is the only one on my old counterpart and the one I have always provided insurance companies with. Surely this is correct?

Quentin

fogma wrote: »

Just to confirm it was a standard SP30 fine and 3 points so not sure why it would need to go through the courts. The October date is the only one on my old counterpart and the one I have always provided insurance companies with. Surely this is correct?

Check the question asked when giving details of convictions. (Usually it's date of conviction)

InsideInsurance

My understanding is that as it isnt dealt with as a fixed penalty notice then every single case goes to a magistrates court (other than those that chose to go one the course rather than have the points) but for the vast majority it is a rubber stamping exercise (just the same as an uncontested divorce going through the crown court)

Thegirl

Once the conviction is spent (I don't know when that is) you ring the insurance company and they reassess your cover for the year (same as you should if you receive a conviction).
So if you are paying by direct debit then you get the remaining debits reduced and if you pay upfront you get a refund. That is what hapened with my husband anyway.