Car insurance. Forgot to report my SP30. Now what?

DavidA

I genuinely forgot to mention a speeding offence 18 months ago. Hastings spotted it and said this:

Sorry, we can no longer insure you. We recently checked your policy and found:

· You didn't declare previous convictions.

The new information puts you in a risk category that we don't currently cover on this policy. This means if you'd given us these details from the start, it's unlikely we'd have quoted you for this policy.

I found another insurer because I needed one in a hurry but when I told them that I'd been turned down for insurance (it's a standard question) my premiums shot up from £300 to £1200.

It was a genuine error. What's my best course of action?

Any help appreciated!

paddyandstumpy

You can do nothing but suck it up and pay the inflated premiums.

You were caught not disclosing a material fact and now have a cancellation to declare too.

pracer26

Yup, sorry but you're a bit scuppered. Presumably this wasn't your first set of points...

I always give them my driving licence number as they can apparently get any points directly from the DVLA so then it's not my problem...

DavidA

Thank you.

I'm not sure it makes any difference but I didn't fail to mention the points when renewing the policy but I failed to mention it after it happened. Does that help at all?

I guess a cancelled policy is a cancelled policy regardless.

Zorillo

You need to clarify if Hastings cancelled your policy or if they simply declined to offer renewal because you were now outside of their acceptance criteria. It could make a big difference.

DavidA

Oh thank you. That’s a good point. Judging by the language pasted above, it might be the latter.

I will check.

uk1

DavidA wrote: »

Oh thank you. That’s a good point. Judging by the language pasted above, it might be the latter.

I will check.

A couple of points.

Is there a misunderstanding between you and the insurers? They seem to think you failed to declare it on the application form but you are saying you failed to declare it during the policy term. Which was it?

Also, and possibly more importantly this sounds like a first speeding offence? As a result of your offence did you receive a fine or did you attend a speed awareness course. If it is the course then this doesn't count as a conviction and generally doesn't need to be declared.


Good luck

DavidA

Thank you. I'm fairly confident that it was correct at the time I filled out the application as I'm pretty careful about that. I think it was during. But I'll call them and find out.

Sadly not the first speeding offence and it wasn't an awareness course. I'll be very happy when I buy my first self-driving car.

molerat

Admiral policy is that you need to inform them of convictions etc at renewal and not during the term of a policy. You need to clarify the timeline.

1. Please tell us before
...........

2. Please tell us immediately
......................

3. Please tell us when you renew your insurance

of any motoring offences including fixed penalties or convictions you or any driver on your policy had during the year, or any pending prosecutions. You will need to tell us of the DVLA offence code if applicable

soulsaver

uk1 wrote: »

A couple of points.

Is there a misunderstanding between you and the insurers? They seem to think you failed to declare it on the application form but you are saying you failed to declare it during the policy term. Which was it?

Also, and possibly more importantly this sounds like a first speeding offence? As a result of your offence did you receive a fine or did you attend a speed awareness course. If it is the course then this doesn't count as a conviction and generally doesn't need to be declared.


Good luck

You don't get an SP30 for the offence if you elect to attend a speed awareness course.

uk1

soulsaver wrote: »

You don't get an SP30 for the offence if you elect to attend a speed awareness course.

Correct. But if you are stopped and are cautioned by the police that you are going to be reported for a couple or several different motoring offences then he may refer to one of them as SP30.

I see no harm in double checking with the OP as there does appear to be a fair amount of "misunderstandings" in the issue.