Speeding fine 4 years, 9 months ago

Quentin

Thegirl wrote: »

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.

Please tell us which company operates like this?

(No other company than this one puts your premium up mid term for getting 3 points!)

fogma

I think they're saying it goes down once the 5 years has passed...

Quentin

fogma wrote: »

I think they're saying it goes down once the 5 years has passed...

They are!

Though this is unusual - assuming it's true! (They also are saying insurers put your premium up as soon as you get a sp30. But they don't!). And they are aware when the 5 years anniversary is going to pass!

Rover_Driver

InsideInsurance wrote: »

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

Points are from the date of the offence, not the date of the conviction.

InsideInsurance

For points dropping of the license then maybe, not my area. For insurance quotes it is almost always asking about convictions not points (though it will ask what the penalty points were) and so the conviction date is important not the date of the offense.

Eg DL ask " Have you had any convictions in the past 5 years?" not offenses and if you answer yes it then asks "Date of conviction (MM,YYYY)"

Quentin

Rover_Driver wrote: »

Points are from the date of the offence, not the date of the conviction.

Irrelevant to getting insurance cover.

The rules on spent convictions are not the same as the rules on getting points on and off a licence.

Rover_Driver

Quentin wrote: »

Irrelevant to getting insurance cover.

The rules on spent convictions are not the same as the rules on getting points on and off a licence.

According to the OP's first post, he was fined in October 2007, the offence would have been earlier.

Quentin

Rover_Driver wrote: »

According to the OP's first post, he was fined in October 2007, the offence would have been earlier.

Possibly - but irrelevant to the insurance issue!

kingstreet

I think we're in a "good faith" situation here.

As there technically isn't a conviction date for a CoFP/FPN, it seems reasonable to use the offence date as your expiry date - three years, four years and five years respectively.

Failing that, I guess a call to the insurer for its opinion is the only accurate way forward?

Rover_Driver

Quentin wrote: »

Possibly - but irrelevant to the insurance issue!

If the conviction was in October 2007, it would be spent in October 2012, not later, as Insideinsurance has said.