Need Advice - First Offence

montypython_3

If you have to make any claim through your new insurance they will ask to see your driving licence. You will be getting points for no insurance no matter how lenient they are.

The date of the points on your licence will be the date you were stopped by the police, Before you took out this new insurance.

Try explaining to the new insurance company why they were not imformed about these points earlier. You would be giving the insurers an easy get out from paying any claim.

Also if i'm not mistaken one of the questions on an insurance proposal is do you have any prosecutions pending?

Let your new insurers know now you're in enough trouble without trying to hide this.

ispartacus75

If you have to make any claim through your new insurance they will ask to see your driving licence. You will be getting points for no insurance no matter how lenient they are.

The date of the points on your licence will be the date you were stopped by the police, Before you took out this new insurance.

Try explaining to the new insurance company why they were not imformed about these points earlier

Simple, at the time of applying for the insurance there were no points on my licence, these were applied to my licence after the insurance had been paid for.


The only question I was asked regarding convictions, pending or otherwise, is have you been convicted of a motoring offence in the last 5 years.

As I have not been convicted of anything I couldnt answer yes.

We know that it may go to court and I may get points on my licence. But we dont know how many, and we dont even know if it will go to court. They may simply run out of time to prosecute me (its happened before on a different matter).

What if I told the insurance I was getting 8 points at some time in the future and only got 6? Would the insurance company give me some of the premium back based on overcharging me through excess points?

Surely the same would apply to being flashed my a roadside camera. Would anyone ring up the insurance company to tell them that they had been flashed without knowing if anything was going to happen because of it?

Let me point out, Im not suggesting I will never tell the insurance company about the points, but surely it would be better to wait until I know the facts instead of guessing them?

dawnydee73

montypython wrote: »

Try explaining to the new insurance company why they were not imformed about these points earlier. You would be giving the insurers an easy get out from paying any claim.

It does say on the licence the date of conviction and the date of the offence.

asea

ispartacus75 wrote: »

But what am I supposed to tell them? I might be prosecuted some time in the next year? I might get points on my licence?

How far do I take it? I might develop an eyesight problem in the next year so thought I would tell you now? I might change my job in the next year?

you should tell them exactly that or you will be violating the principle of 'Utmost Good Faith' if you have information (or indeed if the insurance company has information) which is relevent to you and your circumstances relating to driving & your car then you must tell them. The eyesight problem is moot and completely irrelevant to this point. If you have a reason to expect your eyesight to go downhill then yes, you'd have to tell them.

ispartacus75

My eyesight may or may not go downhill over the next 12 months for any number of reasons. Ill health, physical attack, anything. But I cant predict which if any are likely to happen.

Likewise I may get 6 points, I may get 7 points, I may get 8 points, I may get let off if it takes too long to bring the case to court. Again I cant predict which is likely to happen, so how can I reasonably and in 'Utmost Good Faith' try to tell anyone else what will happen?

If I ring my insurance company now and tell them that I am getting 6 points on my licence and a £500 fine I would be lying, and that WILL make my insurance null and void.

montypython_3

Please find below an extract from a proposal form from a well known insurer this is the most common question asked:

"Have you had any motoring convictions, including fixed penalty convictions or have you any pending prosecutions"

Check your copy of the proposal from or statement of facts see exactly what it states.

All i'm saying is dont give your insurer an excuse not to pay out any future claims. Be honest with them tell them what happened, tell them at the moment you dont have any points and do not know if they will prosecute. At least then they can never say you did not inform them

vikingaero

I would tend to concur with monty. Most insurers word their application forms very precisely and I'd be surprised to hear of any insurer that only asked for convictions only and not pending cases. Double check?

C_Ronaldo

If i was in the OPs position id tell the insurer just to b on the safe side

asea

ispartacus75 wrote: »

My eyesight may or may not go downhill over the next 12 months for any number of reasons. Ill health, physical attack, anything. But I cant predict which if any are likely to happen.

Likewise I may get 6 points, I may get 7 points, I may get 8 points, I may get let off if it takes too long to bring the case to court. Again I cant predict which is likely to happen, so how can I reasonably and in 'Utmost Good Faith' try to tell anyone else what will happen?

If I ring my insurance company now and tell them that I am getting 6 points on my licence and a £500 fine I would be lying, and that WILL make my insurance null and void.

I haven't told you to do that at all - just to tell the truth. It's relevant information that you have that you need to tell them. Nobody is telling you to lie. Quite the opposite. Where have I told you to tell them about points? You need to tell them that you are being prosecuted for having no insurance.

I work for an insurance company & we throw out thousands of insurance claims after carefully checking out claims (although I work in a completely different branch to Motor insurance, but the principles are the same)

Why DON'T you want to tell them? You will have to in the end anyway! Anyway it's your business & it will be you that has to suffer the consequences, am just trying to help those consequences be less painful for you - you do what you want to do!

MrsTinks

Inform them of what happened, that way you have covered your butt... You can't tell them how many points or what the fine is yet and they will no doubt be used to that.
Now I knwo this is like bolting the door after the horse is gone but why don't you use Martins tart alert text service for your insurance and tax? I do - ok I know they will probably send me reminders, but if it doesn't get here then it's my responcibility to make sure my car is covered. Tax especially...
I know I know... hindsight...
But also explain to the judge that you have already taken steps to ensure this is never ever gonna happen again, it was an oversight on your part, you're INCREDIBLY sorry - you're a respectable member of the community etc etc

Good luck