insurance and declaring points

locked · Could Be A Chat Bot Joined: 22 Oct 2009 Karma :

Question,

I renewed my insurance last month and declared my 3 points which has been on my licence for 2 years.

Last Friday I was flashed by a speed camera doing 40 in a 30. (fuck!)
Its only been a few days so my letter hasn't come yet but I'm pretty much done for.

My question is do I need to ring my insurance and tell them of my new speeding offence or do I wait until renewal time as the offence was committed after I took out the new policy? Karma

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on the look out for my next bike....
CBT Passed - 13/09/09 Theroy Passed - 19/12/09 Mod 1 Passed 04/05/10 Mod 2 Passed 14/05/10 - Free to ride ANYTHING!
Motorcycles are perfectly safe as long as you remember they're dangerous.

Tim.. · World Chat Champion Joined: 11 Oct 2006 Karma :

Yes, you do have to inform your insurers but it shouldn't cost you anything extra until you have to renew it.

I recently had this same problem.
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Project builds: My VFR400 nc30 build thread + Honda Britain Rep VFR + What? Another VFR +Project 'cos I want one' + V8 coffee table
www.marshallracing.co.uk
OCD - Helping to bring the standard of my bikes up and make me slowly go mad since 1999

tk338 · Nitrous Nuisance Joined: 29 Apr 2010 Karma :

As a general rule of thumb with insurance, if you think they need to know, tell them. Its much better than waiting till you have to claim and then being told your insurance is invalid!

My dad used to work for an insurance company, and he's got a few stories, they'll happily take your money, but you need to make sure your policy is 100% the truth or you risk getting nothing.

iooi · Super Spammer Joined: 14 Jan 2007 Karma :

Don't do anything till you find out if the camera was working.....

Check the T/C of the policy. If it says anything about points gained during policy then do as it says.
If it says nothing, then they can't do anything.
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Just because my bike was A DIVVY, does not mean i am......

psychofox · Nova Slayer Joined: 13 Apr 2008 Karma :

You shouldn't inform your insurers until you have been notified of the offence and the points have been added to your license. Only when you get your license back from the DVLA should you inform your insurers.

I used to work for a motor insurer and we were always told that if the points weren't on the license yet, the insurer doesn't care about them.