Tell Insurance about 42 day ban???
Discussion
themainlegend said:
Just need some advice on whether i tell my insurance about a instant 42 day ban as from today??
Yes.themainlegend said:
How much could this go up if i tell them?
Only they will know that..www.confused.com is useful for obtaining comparisons..
Well i took you guys advice and just rang them. I turned 25 yesterday and when it comes to renewing my premium in september 2008 i will hopefully have 2 years no claims and reduction for being 25 so the lady from my insurers said that my insurance may still go down in sept next year!! Happy days.
Thanks for advice guys.
Thanks for advice guys.
Look in your policy docs. I'm pretty sure it won't mention it. If not I would phone them up and ask them a 'generic' question about what they would require in the even of a driving conviction. that way you will be sure.
The notification shouldn't affect you policy now, but at renewal. In fact if you are cheeky enough you may be able to get a reduction in you payments for the time you will not be driving the car.
G
The notification shouldn't affect you policy now, but at renewal. In fact if you are cheeky enough you may be able to get a reduction in you payments for the time you will not be driving the car.
G
EU_Foreigner said:
You are not Mr Hughes by any chance are you ... 
If you had an accident and the other driver lost their legs, would you want a civil case for 250k coming at you? Insured you would be covered for this type of eventuality, if you are dishonest about your driving record you would not be. Can you flip your wallet and pay something like that off? Would you want to sell your house? Could you live with yourself? Conversley, if it were you who found out that the driver who cause you to be a paraplegic prefered not to pay the £100 he owed to his insurance company and rather on special brew how would you feel?
We are all on this site as we enjoy cars/bikes no matter what the creed but when it comes to biting the bullet I sure would when faced with the reality, which could be the worst mistake you could make ...
Thouse of us who have been involved in accidents have realised that taking the risks are not worth it. Despite what you may think, accidents happen when you least expect them.
Edited by Neil.D on Wednesday 5th December 23:28
You are Merydid Hughes and I claim my five pound note!
Sorry however on a more serious note I see your first question uses the words ..."if I tell them'"
I hope that was a gramatical error not a statement of intent.
ETA Doh! I should have read the other posts first...
Sorry however on a more serious note I see your first question uses the words ..."if I tell them'"
I hope that was a gramatical error not a statement of intent.
Edited by mark69sheer on Thursday 6th December 10:06
ETA Doh! I should have read the other posts first...
Edited by mark69sheer on Thursday 6th December 10:08
When I was stopped and given a fixed penalty in 2005, I had a good chat with the officer and one of the subjects which came up was the need to inform my insurer of the additional points.
I don't expect a Police officer to be an expert on insurance, and I didn't take his word as any kind of gospel, but he was of the opinion that I didn't need to declare the points until the next renewal time.
Understandably, this might go against the notion of informing the insurer of any material fact which might affect your policy.
At the time I was on a company policy and we only declared each driver's history once a year and were not required to declare convictions as and when they happened.
I don't expect a Police officer to be an expert on insurance, and I didn't take his word as any kind of gospel, but he was of the opinion that I didn't need to declare the points until the next renewal time.
Understandably, this might go against the notion of informing the insurer of any material fact which might affect your policy.
At the time I was on a company policy and we only declared each driver's history once a year and were not required to declare convictions as and when they happened.
I think you may have been misinformed I guess it may depend on individual policy details but I was allways under the impression that you had to notify immediately.
The insurance are very good at using loopholes like failure to declare so I personally would never give them the chance.
I allways notified my insurers straight away.
The insurance are very good at using loopholes like failure to declare so I personally would never give them the chance.
I allways notified my insurers straight away.
mark69sheer said:
I think you may have been misinformed I guess it may depend on individual policy details but I was allways under the impression that you had to notify immediately.
The insurance are very good at using loopholes like failure to declare so I personally would never give them the chance.
I allways notified my insurers straight away.
Which with my personal policy I always have done.The insurance are very good at using loopholes like failure to declare so I personally would never give them the chance.
I allways notified my insurers straight away.
We were on a group policy allowing all employees to drive pretty much all the cars. As such individuals weren't required to be vetted for convictions, they just needed a valid licence and our permission. Our diligence was making sure that employees had a valid licence before giving that permission and periodic licence checks of all company drivers.
mark69sheer said:
I think you may have been misinformed I guess it may depend on individual policy details but I was allways under the impression that you had to notify immediately.
The insurance are very good at using loopholes like failure to declare so I personally would never give them the chance.
I allways notified my insurers straight away.
There is no duty of ongoing disclosure, by and large.The insurance are very good at using loopholes like failure to declare so I personally would never give them the chance.
I allways notified my insurers straight away.
Disclosure of material facts at inception or renewal is one thing. Ongoing disclosure is another.
You are required to notify major changes in the risk (such as changing the car or it's location or you being banned). But not points.
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