When to tell the car insurance company?

Jackmydad

I saw this discussed somewhere else, and the conclusion was that you need to keep the insurance company informed of anything that they might see as a change in risk.
I'd tell them myself rather than find out I wasn't covered later.

Herzlos

If you're unsure, then phone and ask them.

But really, they're going to expect you let them know any time anything changes regarding risk.

Car_54

Billy_Bullocks wrote: »

It's not them moving the goalposts. The OP's son breached the contract when he was convicted of a criminal offence.

It's worrying you worked in insurance.

Read the OP again - he hasn't been convicted of anything yet.

Billy_Bullocks

[quote=[Deleted User];72073818]Read the OP again - he hasn't been convicted of anything yet.[/QUOTE]

Well if you want to be pedantic about it he probably never will be bit three points are on the way.

kmb500

Billy_Bullocks wrote: »

It's not them moving the goalposts. The OP's son breached the contract when he was convicted of a criminal offence.

It's worrying you worked in insurance.

insurance does not mean you contractually agree to not get any points.

paddyandstumpy

I carefully stated that it was my opinion, not fact.
And I also added that the opinion of the last insurer I worked for was the same.
I've just checked their car wording and it hasn't changed.

I've also just checked LV's wording (where my car is insured) and their wording is below:

changes you need to tell us about during the period of cover
You must tell us about the following as soon as possible:
n changing your car;
n the main driver has changed or you want to add an additional driver;
n you change the registered owner;
n you change the way you use your car, eg from social domestic and pleasure to business use;
n you move house or change the address of where you keep your car;
n changes made to your car which improve its value, appearance, performance or
handling;
n change of occupation, including part time work.

mhoc

Please can I ask is the time and date of the offense the same as the date and time of conviction?

Or is it when you accept your conviction - if so is it on the day you have paid your fine or the day when they receive your driving license and alter it with 3 points on it.

You have 28 days to response to the first letter and another 28 days to respond to the 2nd letter so it could be just over 2 months from the actual date of the offense.
There seems to be several dates and points of time that could be seen to be the relevant date.

When I spoke to Admiral last year the only date they needed was the date the speed awareness course was taken - not the date of the offense or the date of acceptance etc.

twhitehousescat

mhoc wrote: »

Please can I ask is the time and date of the offense the same as the date and time of conviction?

Or is it when you accept your conviction - if so is it on the day you have paid your fine or the day when they receive your driving license and alter it with 3 points on it.

You have 28 days to response to the first letter and another 28 days to respond to the 2nd letter so it could be just over 2 months from the actual date of the offense.
There seems to be several dates and points of time that could be seen to be the relevant date.

When I spoke to Admiral last year the only date they needed was the date the speed awareness course was taken - not the date of the offense or the date of acceptance etc.

moot point ,

Billy_Bullocks

kmb500 wrote: »

insurance does not mean you contractually agree to not get any points.

Yes, but they base their risk on you nit having any.

Quentin

paddyandstumpy wrote: »

I carefully stated that it was my opinion, not fact.
And I also added that the opinion of the last insurer I worked for was the same.
I've just checked their car wording and it hasn't changed.

I've also just checked LV's wording (where my car is insured) and their wording is below:

changes you need to tell us about during the period of cover
You must tell us about the following as soon as possible:
n changing your car;
n the main driver has changed or you want to add an additional driver;
n you change the registered owner;
n you change the way you use your car, eg from social domestic and pleasure to business use;
n you move house or change the address of where you keep your car;
n changes made to your car which improve its value, appearance, performance or
handling;
n change of occupation, including part time work.

LV policy also has this blanket wording under General Conditions:

YOU MUST.....
tell us as soon as possible about any changes, which have happened since the insurance started or was last renewed.......Failure to do so may invalidate this insurance