Speeding summons and insurance
- Thread starter Dinarius
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Pinoy adventure
Registered User
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I think you’ll get points added too your license which you must declare too the insurance company which may increase your policy price paid
Eh, who can say? We can offer conjecture and posts along the lines of 'mine didn't go up' and 'mine did increase'. But at the end of the day it lies with your provider.
For a difinitive answer why not ring and ask them?
Thats the purpose of AAM - to give an opinion and experience. You could say the above to most posts looking for advice but where's the added value in that?!
Up to a point that is correct, in that if a question is posed such as, 'What TV do you recommend ?' , or , 'Should I buy A or B ?', etc..
But where the question has an answer that is either 'Yes' or 'No' :-
I feel that 5,10, 15 replies like, 'mine didn't go up' or 'mine did increase' or 'it might' are useless and of no help to the poster.
Especially, when it can be resolved definitively by a simple phone call to their provider, which is what I advised.
Surely that is what AAM is (also ?) about, ie. to offer pertinent advice, would you not agree?
Brendan Burgess
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I thought that it might be the same for all insurance companies. so the original question is valid.
And it's interesting to see the different experiences.
I am not sure that I would ring the insurance company. I would report the points at renewal, but I would not be highlighting them.
Brendan
And it's interesting to see the different experiences.
I am not sure that I would ring the insurance company. I would report the points at renewal, but I would not be highlighting them.
Brendan
Why not, if the OP wants an answer to his question?
Not in my experience, while most do not load for 3 points, AFAIK some do.
Anyway we do not know if the OP has accrued points for other offences also it may differ for commercial insurance.
So who is in the best position to answer the OP..........his insurer.
And the difference is? Are you really hoping that maybe they wont notice them?
While that may pander to members curiosity it is of no benefit to the OP.
Whereas my advice will provide an answer to the question posed.
I never suggested it wasn't.
The obligation is on the insured to declare them, but not just at renewal. The insured obliged to declare any matter that might change their risk profile to the insurer as they occur. These matters may include, health factors, vehicle usage (work usage claiming mileage vs. social domestic or leisure usage), mileage driven per annum, motoring or criminal convictions, etc.
I can see Brendan's point, but in fairness, you've answered and asked things that are indeed pertinent to the problem anyone could find themselves in. More and more I'm becoming aware of speed vans, but others aren't. Too many breaking the law every day. I'm one of those who puts on cruise control and stays as near to what's allowed as possible, but the bloody sickening sight of those out driving at 60kph on all roads is driving me crazy, and they will not pull in. Jeez, they'd drive a man to drink
Approximately 5 years ago the dept of transport (national drivers licence service) and the insurance industry came to an agreement to share penalty points. So if you had penalty points applied to your licence the insurance company will know about them. Approx 6 weeks prior to renewal the insurance company will sent a request to the dept of transport (ndls) for details of penalty points based on the drivers licence number and other criteria. If you dispute the penalty points there is a note somewhere on the renewal notice that you have to contact the dept of transport (Ndls) to correct the problem. The insurance company then does another request to the dept of transport (ndls) closer to renewal and if any changes these changes are forwarded to the insurance company and the changes made to adjust your renewal.
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It's mandatory that you inform the insurance company of any penalty points and It's a question on the application forms.
Duty of disclosure would usually apply to changes in any of the details provided in order to get a quote.
Tell them, nothing will change. Don't tell them, risk them refusing cover in the event of a claim.
I'm nearly afraid to add to this thread,( "nearly", mind you ) for two reasons, one being that is seems people don't like it when the rules are spelt out to them and two, it appears the OP isn't too bothered either way, as it's a week now and no reply from him/her.
My initial advice to call their insurer still stands and as @mathepac pointed out it really is not a choice, that is if you want to be certain that you remain covered.
The onus to inform your insurer of any material facts that may impact on your cover lies with the insured. So as soon as points are applied to your licence the insured is duty bound to inform the insurer, or risk nullifying the policy.
My initial advice to call their insurer still stands and as @mathepac pointed out it really is not a choice, that is if you want to be certain that you remain covered.
The onus to inform your insurer of any material facts that may impact on your cover lies with the insured. So as soon as points are applied to your licence the insured is duty bound to inform the insurer, or risk nullifying the policy.
Not just when looking for a quote Leo.
Are you positive of this, commercial insurance and all that? Only one way to find out.........
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