insurance company wants to know about my penalty points?

Username03725

Is it possible for you to check your credit card statements going back that far, to identify the window of when you hired it? Presumably you can remember why you had to hire a car so might be able to tie an event to the hire period.

If you know which hire company you used contact them with approx dates and your licence number. The initial NIP will have been sent to the hire co and they would have forwarded it to you, with an admin charge. Is that charge on CC statements?

teachfast

Sandtree said:

Car_54 said:
Yes, and the OP has said it's within 5 years. Is there any reason why the insurer would need to know the exact date?

Firstly so they know when it drops off

Secondly, insurers write their policies on trust that the customers are making honest declarations (though as time goes on more becomes digitally checkable) and instinctively the fact that someone cannot remember when they got a criminal conviction is a worrying sign. What else are they possibly forgetting or a little blurry on the dates of etc? 

Not a criminal conviction in this case. Don't be sanctimonious.

GrumpyDil

Hm. Last time I looked speeding was processed under the criminal rather than civil law so yes it's a criminal conviction. 

teachfast

Nope. Read more. 

Flight3287462

GrumpyDil said:

Hm. Last time I looked speeding was processed under the criminal rather than civil law so yes it's a criminal conviction. 

Don't know where you looked but a FPN is not a criminal conviction.  Only a court can convict you.

TooManyPoints

Don't know where you looked but a FPN is not a criminal conviction.  Only a court can convict you.

Indeed. "...a few miles an hour over a 30mph limit." was almost certainly dealt with by way of a fixed penalty. No processes under criminal law would have been involved in the imposition of that penalty.

Sandtree

Hunyani_Flight_825 said:

GrumpyDil said:

Hm. Last time I looked speeding was processed under the criminal rather than civil law so yes it's a criminal conviction. 

Don't know where you looked but a FPN is not a criminal conviction.  Only a court can convict you.

And yet a FPN is covered by the Rehabilitation of Offenders Act which in its prologue is only about dealing criminal convictions. In reality its in a bit of a grey area as it depends which lens you look through... it is in the scope of the RoOA but doesnt appear on a DBS check. The Unlocked website describes it as:
if you are given an FPN for a road traffic offence in Schedule 2 to the Road Traffic Offenders Act 1988, and your licence [sic] is endorsed, then (in line with s. 58 of that Act) the endorsement is treated as having been given by a court following conviction of the offence and is subject to a 5 year rehabilitation period, from the date the FPN was issued.

Independent of that, the OP hasnt said it was a FPN only that they had points for speeding.

Flight3287462

Sandtree said:

Independent of that, the OP hasnt said it was a FPN only that they had points for speeding.

90%-99% of speeding convictions will be dealt with under a FPN.

sanfairyanne

JGB1955 My records show no points. I believe they expired on 30th November 2019. I wrote that date in my Reminders. I just don’t want to be wrong if it may effect my insurance.
New Leaf 1986. I don’t have any past insurance history. I hired a car for 3 days and never drove after that.
Username03725 That’s a great idea except my bank doesn’t show records before 2018.

Sandtree, I’m pretty sure it was a FPN

AdrianC

sanfairyanne said:

JGB1955 My records show no points. I believe they expired on 30th November 2019. I wrote that date in my Reminders. I just don’t want to be wrong if it may effect my insurance.

Don't forget that points expire on three different dates...

Three years from offence - for totting-up.
Four years from offence - for showing on a licence check.
Five years from offence - for insurance purposes.

If you've written 30/11/19, then that's probably 3yr. So 30/11/21 would be 5yr.

...but...

Username03725 That’s a great idea except my bank doesn’t show records before 2018.

Even then, it'd show the date you paid the FPN, not the offence date - which is the relevant one.

A call to the bank will probably give the date, though.
If they say 30/11/16, then you know that's the payment date. The offence date is probably a month or two earlier, maybe August or September.
If they say some point in early 17, then you know that's the payment date, and 30/11 is probably the offence date.

Honestly, though, I'm not sure I'd worry too much. Declare them as, say, September. The chances are the difference in premium will be negligible, and it's better to have declared unnecessarily than not declare when you do need to.