Do I need to tell my insurance that I have received a fixed penalty notice?
After 52 years of driving, 19 years claim free and just 2 FPNs (1984 and 2006) I was annoyed last night to receive one. No question of the 36mph in a 30mph zone which just about all the local roads are here but a road closure with no diversion signs led my satnav to take me into areas totally unknown and seemed to be taking away from my home and I was totally lost. I was so intent on trying to make sense of the screen map that I did not see a speed sign or indeed the camera until it flashed. Am I right in thinking that until I actually receive the notice I don't need to notify my insurance company? Or if I contest it with extenuating circumstances I can wait until the result of the appeal and if unsuccessful then advise them?
Asked on 13 October 2025 by OGA
Answered by
David Ross
Until you have appealed or accepted the Fixed Penalty Notice you cannot provide your insurer with the outcome of the prosecution, but it may be sensible to contact them for information at this point and go back to them once you can inform them with the outcome. The exact terms and conditions of your policy may explain when you are required to notify your insurer, but in many instances you need to inform them either at renewal or when taking out a new policy.
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