I have just got 3 points for speeding but do I have to tell them straight away, when I renew my policy or not at all. Also if I change my car on the same policy do I have to tell them?
2007-03-05 00:59:46 · 25 answers · asked by Alan B 1 in Cars & Transportation ➔ Insurance & Registration
You don't have to tell them.... they will find out on there own!
2007-03-05 01:05:45 · answer #1 · answered by DialM4Speed 6 · 3⤊ 3⤋
Hmm...well...I've had 3 speeding tickets in my life, totalled three vehicles and had one DUI nearly 5 years ago (each incident - speed, accidents and dui are unrelated)...my insurance company was only informed of my accidents. I never informed them of my speeding tickets (it may actually be four now that I think of it) nor my dui but nor was I ever penalized for it. Actually when I moved to Michigan more than a year ago, I was quizzed on my driving record when I went to switch insurance agents (Michigan and Ohio insurance is vastly different) - they never asked about speeding violations, but I did come clean about the dui...still to no penalty to myself.
By the way, maybe it's different where everyone else is - but I'm not understanding people saying don't tell and good luck getting any claims paid. I totalled a car in '02 and another in '04 and my insurance company had no problem whatsoever paying my claim, paying for my rental car and defending me against some trucking company who's driver had difficulty stopping and plowed into the melee a couple of minutes after all was said and done.
2007-03-05 01:09:32 · answer #2 · answered by Sunidaze 7 · 1⤊ 0⤋
You don't have to tell them straight away, but you do have to tell them when you renew your policy or change your car on the policy cos they ask you if anything has changed and so you are obliged to tell them.
P.s. Don't take this as gospel though
2007-03-05 02:01:33 · answer #3 · answered by Anonymous · 1⤊ 1⤋
most insurance companies do an annual check of your license so they will find out and add a surcharge to the bill if you look at the bottom of your policy there a bunch of #'s indicating you degree of risk that they go by it is all explained in the last page of the policy most people don't even know when they are paying this surcharge
2007-03-05 01:54:54 · answer #4 · answered by slayton59 2 · 1⤊ 1⤋
tell them now and what they are going to do is upload more suitable funds on for your bill. 3 factors isn't that vast a deal and maximum insurance businesses enable for the occasional cost ticket. only be careful now to not get yet another and ensure you do tell them because the those that stated your coverage may be void are suitable. Oh and they are going to verify your motor vehicle document so as that they are going to discover out. more suitable positive they discover out from you.
2016-12-05 06:35:33 · answer #5 · answered by ? 4 · 0⤊ 0⤋
Yeah, you'll have to inform them as soon as you can. If you need to claim for anything and you haven't informed them then your insurance could be classed as invalid. Unfortunately they'll probably put your premium up a bit as well.
Another £60 to the coffers of the local authorities. I'd love to see a breakdown of how all this money collected from speeding fines is spent.
2007-03-05 01:08:29 · answer #6 · answered by Smarty 6 · 0⤊ 2⤋
Yes you should tell them, as when you have an accident and try to make a claim and it comes to light that you have points and not declaired them then the insurance company Can and in most Cases WILL Refuse to pay as you are in breach of your contract with the insurance!
2007-03-05 01:10:14 · answer #7 · answered by Joolz of Salopia 5 · 1⤊ 2⤋
If you read your paperwork, I expect you'll find somewhere in the very fine print that you have to declare it to them. It's no good saying "but I thought you'd know anyway" then, as you'll have broken your contract.
Don't worry too much about it, they'll usually forgive a minor peccadillo if it's your only slip; you may even find, when you ring them, that they say not to worry, just declare it when you renew. That's fine, you've done your bit - just keep a note of who you spoke to.
2007-03-05 04:35:45 · answer #8 · answered by champer 7 · 0⤊ 1⤋
Alan, if you want your Insurance to go up, tell them, if not dont say a word, they cant check coz of the data protection act, Its like this, you'll get people on here saying that to tell them straight away, why? why should you be done twice for the same offence, think about it, you've already had the three points, why go and get done by the Ins. Co. as well? If you have Ins. with them already keep schtum otherwise you will pay for it in the end. I'm not telling you to do anything illegal here, but why oh why do we let ourselves get ripped off this way?
2007-03-05 01:08:28 · answer #9 · answered by Anonymous · 1⤊ 4⤋
you need to tell them when you renew your policy
it may affect your premium, different companies have different rules
if you change your car .you have to tell them immediately/you will get a new certificate of insurance/you must have that before you can put your new car on the road
2007-03-05 01:10:35 · answer #10 · answered by Anonymous · 0⤊ 2⤋
You should consider appealing against the points. Try a well publicised hunger strike, or chain yourself to the gates at Downing Street. Maybe dress up like them fathers for justice geezers and bungee jump off tower bridge. Either that or tell your insurance company. As long as its a standard speeding fine ie you never had to go to court, it won't affect your premium.
2007-03-05 01:05:47 · answer #11 · answered by Anonymous · 0⤊ 4⤋