Speeding ticked (39 in a 30), offer of driver awareness course

vaio

Lum, it's not a "new" rule, it's just codifying the common sense fair approach that the FOS have been enforcing for ages.

Insurers are the experts and need to ask questions about anything that concerns them. It's not up to inexpert punters to try and guess what an insurer would consider to be a "material fact"

vaio

Aretnap wrote: »

......It will certainly stir things up a bit when it does because it will reduce the rehabilitation period for most motoring offences to 12 months, which would prevent insurers from asking about convictions or loading premiums for them for more than a year. I wouldn't be surprised if insurers got an exemption when it does come in......

vaio wrote: »

I suspect they are already lobbying for exemption but the other argument is that endorsements will qualify under "other penalties or orders" and have a rehab period that lasts until "they cease to have effect".

There might be arguments about when they "cease to have effect" but I'd guess the options are either the three years they count for totting or maybe the four years they stay on your licence. Either way the insurers will be happy at least as far as actual convictions go.

Frankly, if little old me has spotted this I'd be staggered if the legal beagles at the insurers hadn't both spotted it, thought it through and decided they were happy with it.

Lobbying for and got the exemption according to http://uk.finance.yahoo.com/news/criminals-better-insurance-not-speeding-070329615.html

As the article says, this is going to produce some bizarre results, the insurance industry is a powerful lobby group, too powerful some would say

Stoke

Elephant asked me when I phoned and put an extra ten pounds on my quote. Not exactly big bucks.