Angie4m said:
Well my last ticket did not affect my insurance, so it was a broad assumption. So clearly at least one insurance company did. Maybe that was the good old days.
Caught speeding - 102mph in a 70
- Thread starter PGardner93
- Start date
Well my last ticket did not affect my insurance, so it was a broad assumption. So clearly at least one insurance company did. Maybe that was the good old days.
Jasey said:Did you tell them about it. They usually charge you for that privilege!
It was a while ago now, an N reg Golf. I seem to recall calling the insurance company and it was duly noted. Don't recall paying for the privilege!
DumfriesDik said:
I assume it was a speeding or points associated offence? And not something like an on the spot £30 fine for a unreadable number plate? Which btw everyone is now £100 for all those who drive daily in the winter weather.
If it was 'duly noted' it should have been on your policy documents and certificate of insurance to confirm what the conviction was.
Good outcome. Having read through this I think you have suffered more over the last 6 months than any points/fine/short ban would have put you through. Just out of interest did you check your policy? Did you have to declare your points straight away and did they instantly charge you more or does it all await you at renewal time? Be good to know for the folks on here who have never had points should they ever be unfortunate enough to get some. Glad you've got to keep your job, sounds like a great career!
MACK said:
It's in every insurance T&Cs that you must inform them as soon as possible of any pending prosecutions or convictions. If your midway through your insurance they likely won't increase the premium but they can do that. If you've just renewed then they may wish to add an additional premium.
Unfortunately if you have an accident you will be asked to declare if you have any points, offences, claims etc. If at this point you advise something that's not been disclosed to them they could possibly cancel your insurance and then your left without insurance cover and you could also be prosecuted for driving without insurance if the police are involved.
There will be an element of people who won't declare until renewal and an element who do it straight away. However you run a massive risk by failing to advise ASAP.
pvr said:
They can if you pay monthly I believe. Plus some also love to charge you an admin fee for the privilage.
The issue with this case is that when the OP was caught he should have made his insurance company aware of a possible prosecution when the incident happened so if they were to ask when he was caught and notified if this is after the date of renewal they can back date it.
I don't think that is the way it works though.
Ok - so now lets change it the other way around.
- You turn 25 in the middle of the insurance year, at which age the premium will drop by say 25%. The policy and pricing was based on age 24 and was valid for the whole year. They will not give you a refund half way the year.
The risk is assessed at the beginning of the policy year. Even if you have 10 accidents, your premium does not change until renewal time. Never throughout the year.
If notification was required throughout the policy year, it would then make it redundant to ask it at renewal time "if anything had changed" as everything should be assumed up to date.
Looking at the Admiral site for example, they tell you to notify them at renewal of any penalties etc.
Ok - so now lets change it the other way around.
- You turn 25 in the middle of the insurance year, at which age the premium will drop by say 25%. The policy and pricing was based on age 24 and was valid for the whole year. They will not give you a refund half way the year.
The risk is assessed at the beginning of the policy year. Even if you have 10 accidents, your premium does not change until renewal time. Never throughout the year.
If notification was required throughout the policy year, it would then make it redundant to ask it at renewal time "if anything had changed" as everything should be assumed up to date.
Looking at the Admiral site for example, they tell you to notify them at renewal of any penalties etc.
Just like when Admiral sent me a renewal quote which was due to start after my 25th birthday but was based on my then current age of 24 and checking after I turned 25 the premium dropped significantly.
Correct that admiral only ask that you ask them at renewal to advise of any penalties or pending prosecutions. But you do need to tell them immediately if you have your license suspended or revoked in anyway which clearly this isn't. But a lot of companies do ask to be notified as soon as possible.
However if you are involved in an accident Admiral and EUI Limited group will ask you if you have any penalties, convictions, disqualifications etc basically the same questions they ask at renewal. Never quite get that one.
Correct that admiral only ask that you ask them at renewal to advise of any penalties or pending prosecutions. But you do need to tell them immediately if you have your license suspended or revoked in anyway which clearly this isn't. But a lot of companies do ask to be notified as soon as possible.
However if you are involved in an accident Admiral and EUI Limited group will ask you if you have any penalties, convictions, disqualifications etc basically the same questions they ask at renewal. Never quite get that one.
Indeed not. Still frustrates me though that even though we are one Europe, in any other European country speeding convictions have no impact on insurance - they do not ask and are not interested unless you have lost your license. Then again, most countries openly state it is a tax revenue so it should have no bearing on the insurance risk.
MACK said:
Thanks ever so much. I've not, as of yet, told my insurers, I'm waiting for the points to come through in the post. When it does I'll read through and report back. And yeah my job is a bit of a hoot, perfect for me, I'm nuts about all cars of all shapes and sizes.
PGardner93 said:
Hmmm should you not be checking now? And waiting for the points to come through? Sorry you've already got them and now that there is no paper part to the driving license they are automatically added by the court as they have access to the DVLA database.
So what are you actually waiting for exactly?
jimmybell said:
What exactly are you quoting here?
If it's that part of waiting for the points to come through the post part A) the points were handed out by the court on the day and are already on his license and B) there is no longer a paper part to the photo card license and so nothing will be received re this. It's all held electronically on the DVLA systems.
So given he already has the points and will not receive them on the now defunct paper part.........so what is he waiting for a paper notification which he does not need he will be waiting a long time.
From the DVLA
https://www.gov.uk/government/news/driving-licence-changes
Penalty points (endorsements)
Since 8 June 2015 new penalty points (endorsements) are only recorded electronically, and won’t be printed or written on either photocard licences or paper driving licences. From this date, if you commit an offence you’ll still have to pay any applicable fine and submit your licence to the court but the way the court deals with the paperwork has changed.
For photocard licences, the court will retain the paper counterpart and only return the photocard to you.
For paper licences, the court will return it to you but they won’t have written or printed the offence details on it.
This means that since 8 June 2015 neither the photocard driving licence nor the paper licence provides an accurate account of any driving endorsements you may have. Instead, this information is held on DVLA’s driver record, and can be viewed online, by phone or post.
The courts are unable to respond to queries about the destruction of your paper counterpart. Any concerns about this process should be directed to DVLA.
Angie4m said:
You asked what he was waiting for... that's what he's waiting for.
I fully appreciate i'm being a knob but i thought your "what are you waiting for exactly?" holier-than-thou response was a tad uncalled for.
OP just needs to be kindly be made aware he won't receive anything in the post because the system has changed, and that now points are added to your database profile quick-sharp. What he should/shouldn't do is entirely up to him.
https://www.gov.uk/view-driving-licence
I think you'll find he turned up to court and he will have been made fully aware of the situation.
I just think it's a cop out saying your waiting on something official when you are fully aware of the outcome handed out to you by the court in your presence.
But yes totally up to him what he does or does not do. Let's just hope he doesn't need to make his insurers aware until renewal as there could be consequences. Nothing stopped him checking his policy after the incident, before his court appearance and after.
I just think it's a cop out saying your waiting on something official when you are fully aware of the outcome handed out to you by the court in your presence.
But yes totally up to him what he does or does not do. Let's just hope he doesn't need to make his insurers aware until renewal as there could be consequences. Nothing stopped him checking his policy after the incident, before his court appearance and after.
