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Insurance situation after speeding penalty

Discussion in 'Motors' started by Wang Computer, 4 May 2006.

  1. Wang Computer

    Wise Guy

    Joined: 18 Oct 2005

    Posts: 1,588

    I have a friend (no, really it isn't me :D ) who recently received a penalty for a speeding offence (3 points on previously clean license). They were wondering whether their insurance company would need to be notified, or whether the terms of the insurance agreement would have to be ammended before the next yearly renewal.

    I thought one of you guys might know.

  2. -westy-


    Joined: 7 Nov 2002

    Posts: 12,324

    Location: UK

    He should check his insurance documents :)

    although just to be sure, i'd notify my insurance company straight away, to save any confusion.
  3. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 156,858

    It will state in the terms and conditions, which you'll find in your policy documents, what you need to do.
  4. Muncher


    Joined: 17 Oct 2002

    Posts: 7,169

    Location: Ipswich

    I would wait until renewal and plead ignorance :) The clause which is unlikely to be worded specifically or brought to your attention, would be construed against the party relying on it (insurer) by a court, not to mention the Ombudsman.
  5. gavinpoo


    Joined: 25 Sep 2003

    Posts: 433

    Location: Derbyshire

    From my experience you don't need to inform them till renewal, but from other people's experience you should tell them straight away. To be sure always ask them as it varies from place to place.
  6. Dr Who


    Joined: 11 Nov 2004

    Posts: 8,145

    Location: Wiltshire

    best off to just inform them, IME they dont load for 1 technical or 1 speeding offence anyway..

  7. Poppy

    Wise Guy

    Joined: 22 May 2004

    Posts: 1,182

    i would inform them straight away just incase. I doubt there will be any increase for 3 points either.
  8. amx


    Joined: 2 Dec 2005

    Posts: 815

    I informed my insurance company immediately and they told me i didn't need to tell them until my renewel date.
    So it's worth ringing, just in case!
  9. Doorman80


    Joined: 27 Feb 2003

    Posts: 191

    Location: North East

    Which insurance company are you with?