Fixed Penalty

[peterbean]

In May 2004 I got a fixed penalty. The copper dealt with it well and explained that he could issue me with points but would give me a fixed penalty with a fine of £30 (no points, no ban). The offence was not complying with a direction sign (drove straight over a mini roundabout. No additional punishment given due to the fact the was no other cars about).

I didn't have to surrender my license and therefore it has nothing printed on it.

When insuring, is this a conviction which I need to state. If so, where can I find out the correct title and code for the offence.

Thanks,

Peter

[Dwight VanDriver]

No endorsement (points) indicate to me that you were not in breach of failing to conform to Traffic sign and one has to look elsewhere ie. Reg 25 Traffic Signs General Directions 2002 - Crossing transverse line in manner likely to cause danger, or for contravening a traffic Order - S.5 Road Traffic Regulation Act 1984. Neither carry points.

The Offence code on the FPN should identify just what attracted the penalty.

I think if you read your Insurance Policy very carefully this is an occasion when you should have words with them.

dvd

[peterbean]

Thanks for the help DVD.

As my license is clean (no points), do I need to inform my insurer.

If this is the case is there any institution I can contact to find out precisely what the fixed penalty was for as I did not receive any documentation once I had paid the £30 fine.

Thanks for your help.

[peterbean]

Upon re-reading your post I am aware that I need to inform them. Please could you advise me on the whereabouts of finding the correct code.

Thanks.

[streaky]

If your insurer asks what endorsements you have, then no. If they ask what motoring offences you have been fined for, then yes. Check the question carefully - Streaky

[peterbean]

I've run an online check and there are details for FPN with no points.

How can I explain this to my insurer considering the offence occured in 2004?

I double checked with one insurer that this wouldn't matter but I guess it isn't the same across the board.

Any advice would be welcomed.

Thanks...

[peterbean]

Any advice please? Trying to get this sorted this evening. Any help is much appriciated.

[time2react]

A straight forward £30 fine non endorsable fixed penalty ticket for failing to comply with traffic sign other than parking.
Given out on occasions such as Contraving mini roundabout signs or going straight ahead on a roundabout in a right turn only lane in order to jump the queue. The offence being dealt with via NEFPT where as could be reported for driving without consideration for other road users.
The non endorsable ticket system does not act as a conviction for offences dealt with in this manner.Therefore there would be no requirement to inform your insurance company.
However, as streaky has stated be very aware how they word any questions put to you when renewing.

[FishFace]

I wouldn't declare a non-endorsable fine.

[peterbean]

Thanks very much guys. Much appricated. Any advice on how I can find out the exact offence and the date it happened as previously stated, I have no documentation regarding it?

[time2react]

The force that dealt will have a computer record of the ticket. I.E Officer, date, offence recorded, vehicle and driver details.
Call up the force ticket unit. They would be able to find it on the system with your registration mark. However you may have to prove who you are before they disclose due to data protection.

[peterbean]

will be my last post in this thread, I promise! My insurance company form states:-

Do you have any motoring offences, fixed penalty points or disqualifications (including pending convictions) in the last 5 years?

As far as I can see, this puts me in the clear? Am I correct in thinking this?

Cheers...

[jondude]

Depends much on your ways of handling stress.

I would keep in mind the fact this offence is only 'valid' now until May 2009. Then you most certainly do not have to declare it.

Your dilemma is that if you do, your insurance company - if they decide to load your premium - will do so, effectively forever.

For example, a speeding fine would put my insurance up 50 pounds over 5 years, but that does not mean after five years it will drop massively. The percentage drop will be on a (much) higher percentage premium anyhow, and a hiked premium the computer has locked in as my new base. Which is indeed why minor speeding offences can work out very expensive.

Most insurers will try to stuff you in the event of a serious ( costly ) accident. You can have a clean license, be related to Michael Schumaker....they will still try to find bald tyre, late MOT..anything to withdraw cover. The more money involved, the more they go for the jugular.

Unless you do have a serious accident, hopefully not of course, it is extremely unlikely they would pull cover even if they found out about this, as they will see it is a minor offence and one which falls into a grey area.

You could argue their policy statement reads as a list - motoring offences ( of ) endorsements and points. That you read it ( as you do ) as meaning it was only these examples they meant.


Also, when is your renewal? Again, check the small print. If it says ' to be told at renewal ' ( which is most normal ) and your renewal isn't up before next year, then you need not worry AT ALL.

Check that first. If it is a case of ' we want to know immediately', then I would still leave it.

Drive carefully and let it time out.

• You could run dummy quotes to find out if and by how much they will load you, too. But whatever you do, don't offer insurance companies more information than which they ask for.

[Dwight VanDriver]

My guess (from my dated list):

Non endorseable.

Home Office Offence Group 818
Neglect of Traffic Directions
N1804 - Contravene mini- roundabout signs.,

?

dvd

[peterbean]

My worry is that even if it was "inform at the time of re-newel", I have still, although unknowingly had cheap insurance for the last year.

I also ran a dummy quote with a another leading insurer. I did this over the telephone and did mention the offence. Do they share details and have I put myself in a predicament?

Thanks,

[peterbean]

Also, would it make sense to cancel my existing policy (and get 9 months remaining refunded), go with a new insurer and just declare it? Then I would be clear to know I was legit and wouldn't worry. Or am I being hasty?

Thanks,