When shall I tell my insurance.

[LoonR1]

zetec said:

DD90 Furious driving

What is 'Furious driving'?!

From Wikipedia so no idea of true. If so it looks like specific offence to deal with some weird exceptions

In England and Wales, this offence is now used to prosecute:

drivers of horse-drawn carriages and vehicles
motorists who cannot be prosecuted for dangerous driving because they were driving elsewhere than on a road or public place, or because they were not warned that prosecution was intended pursuant to section 1 of the Road Traffic Offenders Act 1988
cyclists who cannot be prosecuted for dangerous cycling because they were cycling elsewhere than on a road, or because they were not warned that prosecution was intended pursuant to section 1 of the Road Traffic Offenders Act 1988[3]
It was used in 2009 to prosecute a death caused by a cyclist collision, which would have fallen outside of other laws.[4]

[TwigtheWonderkid]

Aretnap said:

TwigtheWonderkid said:

BlueMeganeII said:

Ts20 - I thought that was a fine only.

If that's the case, why's it called a TS20? It wouldn't have a conviction code if it weren't an endorsable offence.

Failure to comply with a traffic sign can be a fine and points or a fine only, depending on which sign it was. Obviously only the endorseable version has an endorsement code.

I agree, but if the OP says he's got a TS20, why would anyone suggest a TS20 isn't an endorsable offence. The clue is in the name...TS20.

[CallorFold]

LoonR1 said:

Technically straight away. Most, including me, would leave it til renewal.

I received a CU80 (how stupid of me) about 7 years ago when I first started driving - didn't inform insurer until I renewed my policy and no one seemed to mind/make a fuss that I hadn't declared it sooner. Not saying that's the 'right' way, but that's how it went for me.

[Aretnap]

LoonR1 said:

zetec said:

DD90 Furious driving

What is 'Furious driving'?!

From Wikipedia so no idea of true. If so it looks like specific offence to deal with some weird exceptions

Sort of... it's an old offence (older than the internal combustion engine) which would once have been used to deal with all cases of causing injury by driving like a knob, and in theory could still be used for any such offence, but it's now been largely superseded by the Road Traffic Act. So it's retained because it still covers the bits and bobs which the RTA doesn't cover, rather than having been intended specifically to cover the bits and bobs.

http://www.legislation.gov.uk/ukpga/Vict/24-25/100...

Offences Against the Person Act 1861 said:

Whosoever, having the charge of any carriage or vehicle, shall by wanton or furious driving or racing, or other wilful misconduct, or by wilful neglect, do or cause to be done any bodily harm to any person whatsoever, shall be guilty of a misdemeanor, and being convicted thereof shall be liable, at the discretion of the court, to be imprisoned for any term not exceeding two years

[LoonR1]

C

Aretnap said:

LoonR1 said:

zetec said:

DD90 Furious driving

What is 'Furious driving'?!

From Wikipedia so no idea of true. If so it looks like specific offence to deal with some weird exceptions

Sort of... it's an old offence (older than the internal combustion engine) which would once have been used to deal with all cases of causing injury by driving like a knob, and in theory could still be used for any such offence, but it's now been largely superseded by the Road Traffic Act. So it's retained because it still covers the bits and bobs which the RTA doesn't cover, rather than having been intended specifically to cover the bits and bobs.

http://www.legislation.gov.uk/ukpga/Vict/24-25/100...

Offences Against the Person Act 1861 said:

Whosoever, having the charge of any carriage or vehicle, shall by wanton or furious driving or racing, or other wilful misconduct, or by wilful neglect, do or cause to be done any bodily harm to any person whatsoever, shall be guilty of a misdemeanor, and being convicted thereof shall be liable, at the discretion of the court, to be imprisoned for any term not exceeding two years

Blimey, two years imprisonment in 1861. Wonder what that is today with inflation?

[allergictocheese]

25 minutes (we are told on PH that courts are getting softer and softer, so I presume it's going to reverse inflation!)?

[SK425]

LoonR1 said:

It's not a rating factor for this policy year as that was fixed 10 months ago barring any major changes like moving house / changing car.

Why is that? Always struck me as odd. If I change my risk profile by buying a different car or moving house, the insurance company is allowed to adjust my premium immediately. Why don't they do that if I get convicted of something? Are they prevented from doing so by some industry regulation (or at least dissuaded by some code of conduct)? Is it not in their interests to do so?

Just wondering...

[LoonR1]

SK425 said:

Why is that? Always struck me as odd. If I change my risk profile by buying a different car or moving house, the insurance company is allowed to adjust my premium immediately. Why don't they do that if I get convicted of something? Are they prevented from doing so by some industry regulation (or at least dissuaded by some code of conduct)? Is it not in their interests to do so?

Just wondering...

It pretty well works in our favour so don't knock it.

The car one is a no brainer, otherwise, it'd be a case of insuring that 30 year old Fiesta Pop Plus then changing it to a TVR / mapped 335d / MX-5 a day later.

Ditto on house. Insure it at your parents house on Orkney for the lowest possible ratin, the swap it to that London address at wherever is left as a sthole after all the gentrification down there.

[BertBert]

How do offences rank with other rating factors? I'm sure it doesn't work like that, but is there a really serious offence that has a similar effect to a big hike in car insurance group?

So does drink driving rate high enough to be like changing from a skoda fabia to a 911? Just curious.

Bert

[LoonR1]

BertBert said:

How do offences rank with other rating factors? I'm sure it doesn't work like that, but is there a really serious offence that has a similar effect to a big hike in car insurance group?

So does drink driving rate high enough to be like changing from a skoda fabia to a 911? Just curious.

Bert

Too many variables to link like that. Plus it depends on the individual insurers too. What is safe to say is that all insurers will charge more for a 911 than a Fabia. Ditto for drink driving vs not having been done for it.