Driving endorsements with regards to insurance in UK?
Regardless of how you may feel about my driving in the past, I need to know for how long an endorsement on your license must be reported to your insurer.
I have 9 speeding points now 3 years old ( come of license in 1 year)
And 2 drink drive convictions now 5 years old ( come of license in 6 years)
By law, am I still required to tell my insurance company about this?
Answers:
There is no law which requires you to declare endorsements to your insurer.
The law simply requires that you have a valid policy of insurance to cover third party risks.
When you take out a policy of insurance the proposal form may ask for details of convictions or endorsements. You must answer this question, however it is phrased, to the best of your knowledge. Failure to do so breaches your contract with the insurer with the result that your policy is invalidated.
When you receive any endorsement or are convicted of any offence you are usually required by the terms of your contract to advise the insurer. Again, any failure to do so (if so required) breaches your contract with the insurer with the result that your policy is invalidated.
The expiry of penalty points and other endorsements on your driving license is of relevance only to the "totting up" provisions in the Road Traffic Act whereby 12 points or more endorsed at the same time will result in a (practically automatic) 6 month disqualification.
In short, you have to give your insurance company whatever information they request, and advise them of any change in your licence status. If they don't ask for this information then it is not essential to the contract and your failure to report wont affect the validity of your insurance.
YES
Yes you need to tell your insurance for 5 years after conviction for speeding points and at least 10 years for the DD points. (and get a bicycle I think)
Yes.
Take a look at this website and look under the motoring section it should tell all you need to know.
http://www.direct.gov.uk
When your points have expired you have to apply to have them taken off, they charge you again for doing this.
You will find that on the proposal form for insurance, the question asked is something like - have you any motoring offenses. Under the Rehabilitation of Offenders Act certain offenses become 'spent' and there is a criteria for using this legislation. However, the way the question is asked by the insurance companies will most likely have you snookered in that if you do not disclose, you commit a criminal offense of 'Obtaining a pecuniary advantage (insurance, or a better rate) by deception'. You will also find that hiring a car will have the same sort of question, (especially the Drink/drive offenses) thereby barring you from hiring for up to ten years.
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