declare motoring points

lizziesharples

I guess I was giving the OP the benefit of the doubt but the advise I've given would make it clear that it needs to be declared (which the OP states they have done) then it is up to the insurance company what they do. The insurance company has advised him it'll be added at renewal. I see no reason to say that the insurance company has misadvised the OP.

Quentin

lizziesharples wrote: »

I guess I was giving the OP the benefit of the doubt but the advise I've given would make it clear that it needs to be declared (which the OP states they have done) then it is up to the insurance company what they do. The insurance company has advised him it'll be added at renewal. I see no reason to say that the insurance company has misadvised the OP.

The OP only discusses his "points" here.


There is no statement from the OP he disclosed his pending conviction.


The only way he is in the clear over this is if the question he answered when buying the policy did not ask about "pending" convictions.

GingerBob_3

Quentin wrote: »

The OP only discusses his "points" here.


There is no statement from the OP he disclosed his pending conviction.


The only way he is in the clear over this is if the question he answered when buying the policy did not ask about "pending" convictions.

When does a "pending" conviction cease to exist? Presumably you mean that if you haven't yet attended a speed awareness course but you're scheduled to do so, you still have a pending conviction?

Quentin

GingerBob wrote: »

When does a "pending" conviction cease to exist? Presumably you mean that if you haven't yet attended a speed awareness course but you're scheduled to do so, you still have a pending conviction?

This thread isn't about speed awareness courses. It looks like the OP's offence was driving without third party insurance cover


A "pending" conviction ceases to exist when the alleged offence has been dealt with.


The OP's pending conviction for driving without insurance looks to have been dealt with by way of a fine and points (But we can't be sure)

lizziesharples

So far there is also no hint that the OP has failed to declare anything. If this is the case they shouldn't have any problems.

Quentin

lizziesharples wrote: »

So far there is also no hint that the OP has failed to declare anything. If this is the case they shouldn't have any problems.

There is the hint that the OP bought the insurance following getting his previously uninsured van freed from the police.


And that his insurer wants to know why they weren't told about this when he took out the policy.

lizziesharples

I'm sorry Quentin, I'd misread the original post and though that the OP was questioning about the points not the insurer.

ninetyfables

Over the phone, the question my company asks is 'have you in the last 5 years had any driving licence endorsements, fixed penalty notices, been disqualified from driving or do you have any PENDING prosecutions'. Basically, you declared the points when you got the letter through, but I think the insurer is saying that when you took out the car insurance, they would have expected you to say you had a pending IN10 for driving with no insurance.

Quentin

lizziesharples wrote: »

I'm sorry Quentin, I'd misread the original post and though that the OP was questioning about the points not the insurer.

Apology to the newbie OP would make more sense as you have managed to post misleading advice to him when in fact he needed to be aware of the seriousness of the situation he may face over this.


He has probably got fed up with the tennis match that ensued arguing over what now turns out to be your "misreading" of the OP and departed!


Maybe you can now edit your misleading posts?

Nasqueron

Quentin wrote: »

No






Most others do ask (about "pending" convictions) across the board including AA/RAC/MoreThan/Post Office/Axa/Swiftcover etc

I believe GingerBob was referring to Admiral asking about driver awareness courses (the bit he put in bold) not pending convictions