GolfGTIforum.co.uk
General => Insurance => Topic started by: R98 HUF on 07 September 2007, 10:29
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Dumb question probably but ive never had points before, i have been a tit and now have 3 for speeding!
15 years i kept that licence clean
Do i need to tell my current insurer now or wait till my renewal is due? And if so will it affect this years premium?
Thanks
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defo!! my brother in law lost his licence for not declaring 3 points, he had 3 points declaired but then got another 3, 6 weeks before his renewal and thought nothing off it untill he was pulled again, he went to court and when there the judge pointed out that he had 6 but his docs only showed 3, so he wasnt technicly insured, this he got 3 points and a 60 pound fine (9 points now) and then got 3 point and a 300 pound fine for no insurance.. dun dun daaaa, 12 points 360 fine and a 6 mth ban!! so best let them know dude! :laugh:
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thanks ill call them today, my licence is still with Essex Police so i may wait till i get that back, they said 14 days so it should be this week.
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Who's been a naughty boy!
Definitely tell them.
They won't pay out if you have an accident.
If it's your first 3 it shouldn't really affect the premium, depends on your insurer.
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yeah i got caught 45 in a newly limited 30 (was always 40) dont use the road that often, and it was good road conditions and dry just used to driving at 40ish....... so drove as normal and man in yellow jacket and hairdryer jumped out and nicked me. My fault ill take my points, pay the fine and move on....
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Just told the Insurance company and no affect on premium.
Thanks for the advise
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In cases like this honesty and keeping valid insurance is the best policy :grin:
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i didnt oops when i had points not till i renued, luckerly ive got 0 points now, thought id rub it in did have 6 at one point
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I forgot to declare my points for a month, then I called the insurance company and told them, they said it was fine and just asked what date I got the points.
Always worth doing, otherwise insurance is invalid.
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why do most insurance companies ask if you have had in motoring convictions in the last 5 years if the points only stay on for 3. If you do the crime you do the time but insurance campanies seem to drag it out for another 2 years, is this fair or right?
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why do most insurance companies ask if you have had in motoring convictions in the last 5 years if the points only stay on for 3. If you do the crime you do the time but insurance campanies seem to drag it out for another 2 years, is this fair or right?
Im sure i have answered this question before somewhere........
Minor offences such as speeding etc only count for 3years but more serious offences such as drink driving, dangerous driving etc can stay on your licence for much longer hence insurers ask for offences in the last 5 years to make sure any such as these are disclosed. Usually (certainly with us) any minor offences that are disclosed over 3yrs ago but within the 5 are although recorded, automatically disregarded.
Martin :smiley: