When you've just got 3 points for speeding..........
31 August 2005, 12:51 PM
#1
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When you've just got 3 points for speeding..........
...............do you have to inform your insurance company straight away or do you wait till renewal?
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31 August 2005, 01:20 PM
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Check the terms and conditions of your insurance. Most say you should inform them immediately. The premium hike won't happen till renewall anyway. The exception may be if you have been done for drink driving or such, in which case thay may cancel on you, then you need to try and find somebody that will take you on.
31 August 2005, 01:32 PM
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I work for an Insurer, and certainly we expect customer's to advise us immediately, but as Olly said, the increase in premium doesn't take effect until renewal. (And if it's your first 3 points, we don't load your premium anyway, as long as it's a standard SP30. If you collect another 3, you can expect a c20% hike at renewal.)
31 August 2005, 02:23 PM
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Originally Posted by lucylastic
Surprisingly................................ yes. 
An SP60 is an undefined speeding offence. You should get an SP30, however courts are known to give an SP60 which is disliked by insurers as it it is by definition, undefined.
SP10 Exceeding goods vehicle speed limits
SP20 Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)
SP30 Exceeding statutory speed limit on a public road
SP40 Exceeding passenger vehicle speed limit
SP50 Exceeding speed limit on a motorway
SP60 Undefined speed limit offence
Sure you were right bioforger?
Last edited by MattW; 31 August 2005 at 02:25 PM.
31 August 2005, 02:25 PM
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Originally Posted by lucylastic
Surprisingly................................ yes.
See the SafeSpeed press release which the Daily Telegraph also covered:
In particular some authorities have been erroneously marking driving licences with speeding offence code SP60 instead of the correct and commonplace SP30. Normal speeding offences on non-motorway roads should be coded SP30. SP60 is supposed to be reserved for 'undefined' speed limit offences, but has sometimes been applied in error for offences 'where a 60mph speed limit was exceeded'.
31 August 2005, 02:28 PM
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Originally Posted by MattW
Actually..................no
An SP60 is an undefined speeding offence. You should get an SP30, however courts are known to give an SP60 which is disliked by insurers as it it is by definition, undefined.
SP10 Exceeding goods vehicle speed limits
SP20 Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)
SP30 Exceeding statutory speed limit on a public road
SP40 Exceeding passenger vehicle speed limit
SP50 Exceeding speed limit on a motorway
SP60 Undefined speed limit offence
Sure you were right bioforger?
An SP60 is an undefined speeding offence. You should get an SP30, however courts are known to give an SP60 which is disliked by insurers as it it is by definition, undefined.
SP10 Exceeding goods vehicle speed limits
SP20 Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)
SP30 Exceeding statutory speed limit on a public road
SP40 Exceeding passenger vehicle speed limit
SP50 Exceeding speed limit on a motorway
SP60 Undefined speed limit offence
Sure you were right bioforger?
31 August 2005, 02:34 PM
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Originally Posted by TelBoy
Lucylastic's embarrassed now.
Ah well, how should I know - I just look after sweatshops, ooops I mean call centres - and everyone knows they know nuffink.
31 August 2005, 02:35 PM
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Originally Posted by lucylastic
I am utterly humiliated actually Ah well, how should I know - I just look after sweatshops, ooops I mean call centres - and everyone knows they know nuffink.
Ah well, how should I know - I just look after sweatshops, ooops I mean call centres - and everyone knows they know nuffink.
31 August 2005, 02:41 PM
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Originally Posted by MattW
Depends on the insurer, there is no legal reqt.
31 August 2005, 02:43 PM
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Originally Posted by Milamber
Yes there is. It's a contract of utmost good faith. You tell them about every material fact, and everything is material.
Somebody MUST be able to pull apart this generalisation too, no??!
31 August 2005, 02:44 PM
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Originally Posted by Milamber
Yes there is. It's a contract of utmost good faith. You tell them about every material fact, and everything is material.
31 August 2005, 02:46 PM
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Originally Posted by Milamber
Yes there is. It's a contract of utmost good faith. You tell them about every material fact, and everything is material.
31 August 2005, 02:54 PM
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You tell them about EVERYTHING when you make the contract AND you tell them about EVERYTHING that changes during the life of the contract.
C'mon it's not that hard to understand surely?
C'mon it's not that hard to understand surely?
31 August 2005, 02:56 PM
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Originally Posted by Milamber
You tell them about EVERYTHING when you make the contract AND you tell them about EVERYTHING that changes during the life of the contract.
C'mon it's not that hard to understand surely?
C'mon it's not that hard to understand surely?
Thanks a lot pal!
31 August 2005, 03:03 PM
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Originally Posted by MattW
Well I just rang them up to tell them that since I took my insurance out I had another birthday and am therefore one year older than I said. The girl on the phone thought I was taking the ****.
Thanks a lot pal!
Thanks a lot pal!
31 August 2005, 03:06 PM
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Originally Posted by Milamber
You tell them about EVERYTHING when you make the contract AND you tell them about EVERYTHING that changes during the life of the contract.
C'mon it's not that hard to understand surely?
C'mon it's not that hard to understand surely?