Speeding ticket with motobility car

Nilrem

Aretnap wrote: »

FWIW even if you didn't get the course, it's extremely unlikely that a single speeding ticket would result in RSA refusing to insure you. If you started to get a lot of tickets, or you were convicted of more serious offences, then you might have more of a problem.

Aye, given the percentage of the population who have at least one speeding ticket I don't think Motorbility will care as long as they/the insurance are informed of it and it is just a simple speeding conviction.

If it was up to 9 points or something serious they might refuse to allow the op to drive or require them to no longer driver it but have a different driver instead.

I

moggy12

i have a motability car had speeding fine through post has you are not the owner of car the speeding fine will be sent to motability then back out to you so they will know about yout fine and rsa insurance will know be honest you will not have your car taken away and like other people say its only when you get 6-9 points they can refuse a new application for a motability car hope this helps

macman

OP, since you have already received the notice, you will know how far over the limit you were. Post that and someone will advise if you will be offered a speed awareness course.
Lack of 'intention to speed' is unfortunately not a valid defence.

Guest101

moggy12 wrote: »

i have a motability car had speeding fine through post has you are not the owner of car the speeding fine will be sent to motability then back out to you so they will know about yout fine and rsa insurance will know be honest you will not have your car taken away and like other people say its only when you get 6-9 points they can refuse a new application for a motability car hope this helps

-* registered keeper


and not necessarily, a speeding 'fine' as you call it, is not an indication of guilt.

Car_54

Guest101 wrote: »

-* registered keeper


and not necessarily, a speeding 'fine' as you call it, is not an indication of guilt.

Exactly. All Motability will know is that someone driving the car is accused of the offence. They will not know the identity of the driver, nor the outcome. And even if they did, I don't believe they could inform RSA.

Indout96

Nilrem wrote: »

Aye, given the percentage of the population who have at least one speeding ticket I don't think Motorbility will care as long as they/the insurance are informed of it and it is just a simple speeding conviction.

I

If only - I got my first (SP30) one in February after 37 years clean licence - Insurance informed mid term as per conditions. had to pay an extra £60 for 7 months of policy left so well over £100 pro rata for 12 months. policy was £402 so thats a 25% increase.
Over 10 years NCB - only this one SP30 ever (no course ect)

onomatopoeia99

[quote=[Deleted User];73125280]
If an insurer asks, you are obliged to answer truthfully. Although there is no way at present for the insurer to check, that may change.[/QUOTE]
If it's a consumer contract of insurance, the insurer has to ask.

If it's a business contract of insurance, the policyholder / applicant has to declare anything that may affect the insurer's assessment of risk, even if not asked. Carter vs Boehm applies, it established the legal concept of uberrimae fidei (utmost good faith) in all insurance contracts.

The situation was the same for consumer contracts of insurance until a few years ago, until a new law governing consumer insurance was introduced which meant the precedent no longer applied..

Car_54

onomatopoeia99 wrote: »

If it's a consumer contract of insurance, the insurer has to ask.

If it's a business contract of insurance, the policyholder / applicant has to declare anything that may affect the insurer's assessment of risk, even if not asked. Carter vs Boehm applies, it established the legal concept of uberrimae fidei (utmost good faith) in all insurance contracts.

The situation was the same for consumer contracts of insurance until a few years ago, until a new law governing consumer insurance was introduced which meant the precedent no longer applied..

Interesting, but of no help to the OP.

bigadaj

Indout96 wrote: »

If only - I got my first (SP30) one in February after 37 years clean licence - Insurance informed mid term as per conditions. had to pay an extra £60 for 7 months of policy left so well over £100 pro rata for 12 months. policy was £402 so thats a 25% increase.
Over 10 years NCB - only this one SP30 ever (no course ect)

Your footer doesn't really help your post.

bigadaj

onomatopoeia99 wrote: »

If it's a consumer contract of insurance, the insurer has to ask.

If it's a business contract of insurance, the policyholder / applicant has to declare anything that may affect the insurer's assessment of risk, even if not asked. Carter vs Boehm applies, it established the legal concept of uberrimae fidei (utmost good faith) in all insurance contracts.

The situation was the same for consumer contracts of insurance until a few years ago, until a new law governing consumer insurance was introduced which meant the precedent no longer applied..

Very good, no one is paying your bill for legal advice here though.