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  1. Hi all, before the days of incar bluetooth, I was caught using mobile phone whilst driving, I took 3 points and CU80 0n license. This was 4 years ago. Is is correct I no longer have to declare this, after 4 years? Is it correct that I may be due money back from my insurance company as my policy ends at the start of next year where-as my driving conviction will be fully spent in a couple of days? Many thanks
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