Didn't declare speeding ticket - am i still insured?

[mrdh]

My car was stolen from outside my house last night - I still have the original 2 sets of keys, so no idea how it was stolen. Today I've spoken to the insurance company and am due to speak to them again tomorrow. I've been looking through my paperwork and realise I didn't declare a speeding ticket from 2 years ago - will the insurance company still cover my loss or is my car insurance invalid?

Many thanks for any help

[sailor sam]

Potentially yes, because if you were asked the question 'have you been convicted of any motoring offence within the last five years' and you answered no, then you have provided false information. Your premium is based on what information you give so they will consider that your premium is void as its based on incorrect information. Not a very smart move to be honest and they will know exactly why you did it.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

[Tony P]

Is voluntarily paying a Fixed Penalty Ticket (and accepting points) a 'conviction' ?

 

The motorist has the option of not paying the 'ticket' and instead going to Court, who can convict.

 

Taking this further, what about if a motorist exercises the option of an offered Speed Awareness Course, which avoids the points?

Would that be considered a 'conviction' ?

[sailor sam]

Is voluntarily paying a Fixed Penalty Ticket (and accepting points) a 'conviction' ?

 

The motorist has the option of not paying the 'ticket' and instead going to Court, who can convict.

 

Taking this further, what about if a motorist exercises the option of an offered Speed Awareness Course, which avoids the points?

Would that be considered a 'conviction' ?

 

Well of course the OP dosn't mention these factors so my comment is based on him having been convicted and/or having points added. In any event, if he hasn't declared information requested, then potentially it could invalidate his insurance. We all know that insurers want all the dots dotting and t's crossing when it comes to paying out.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

[Aretnap]

Is voluntarily paying a Fixed Penalty Ticket (and accepting points) a 'conviction' ?

 

The motorist has the option of not paying the 'ticket' and instead going to Court, who can convict.

 

Taking this further, what about if a motorist exercises the option of an offered Speed Awareness Course, which avoids the points?

Would that be considered a 'conviction' ?

Most insurers ask for "convictions, including fixed penalties" or some such form of words, so the question of whether they're the same thing is somewhat academic - you've clearly been asked about fixed penalties so have to declare them.

 

Most insurers don;t ask about speed awareness courses, but a few do nowadays (Admiral spring to mind) so it's important to check the small print.

[Aretnap]

Here's what the Financial Ombudsman has to say about non-disclosure

 

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/46/46_non_disclosure_insurance.htm