When do I have to inform insurer about motoring offence?

kmb500

King_Nothing wrote: »

Two seconds looking on their site:



also:

I'm aware and i'm sure all insurers say that... however i cant see that reflected on my insurance documents, anywhere. I'll print them out tonight and go over them physically but I can't see anything from what I'm reading.
I did not use their website to get my insurance anyway

AdrianC

There is, of course, a world of difference between "you should" on the marketing and "you must" in the enforceable terms and conditions.

Jackmydad

With insurance, it's always best to err on the safe side.

Tell them about the speeding ticket.

Because if you can't afford any extra charges, what will happen when you have an accident and find out that they're going to get any payout they have made back from you?

kmb500

Jackmydad wrote: »

With insurance, it's always best to err on the safe side.

Tell them about the speeding ticket.

Because if you can't afford any extra charges, what will happen when you have an accident and find out that they're going to get any payout they have made back from you?

And that's why I am checking this prior to speaking to them. They're not a charity. I won't be paying anything if it's not required by the contract to which I agreed.

Jackmydad

kmb500 wrote: »

And that's why I am checking this prior to speaking to them. They're not a charity. I won't be paying anything if it's not required by the contract to which I agreed.

The only real way to check is from the insurance company.
The only definitive answer comes from them. Not from random strangers on a forum.
If you tell them about it you're clear if anything goes wrong in future.
You won't end up paying anything you don't need to, because if there's no extra to pay, then there's nothing to pay.

TooManyPoints

Because then they'll shaft me for a charge. Not gonna make them aware I have points if I don't need to

Yes, And if you need to tell them but you fail to do so they'll shaft you by retrospectively cancelling your policy in the event of an accident. Not a wise move. Ring them and tell them.

AdrianC

It's very true.

If they need to know and you don't tell them, you are in deep when they find out.
If they don't need to know when you do tell them, there's nothing to charge for.

EdGasketTheSecond

foxy-stoat wrote: »

How do you know that they will charge you?

LOL, is the Pope Catholic?

rs65

There is an ERS policy online with code ACPC 0619

Page 20 has - Changes to your details

You must tell us immediately about any changes to the information you have already provided

Examples include motoring convictions

Jumblebumble

rs65 wrote: »

There is an ERS policy online with code ACPC 0619

Page 20 has - Changes to your details

You must tell us immediately about any changes to the information you have already provided

Examples include motoring convictions

I would like to know what the ombudsman or a court would rule in the case of a failure to provide as I cannot understand how this can possibly prove how much alcohol or drugs if any you have in your body.


If convicted (which includes a conviction for failure to provide a breath, blood or urine sample) this shall be deemed to be conclusive evidence
that the driver at the time of the loss or damage was under the influence of alcohol or drugs.