Can my insurer charge me for a red light fine even though I didn't receive any points?

I got a red light fine but I went to a speed awareness course so assumed I didn't need to declare it to my insurer (Admiral). But they found out and want to charge me £320. What can I do now?

Asked on 5 July 2017 by Phill Kavitt

Answered by Tim Kelly
You are right, they cannot. You can only be penalised when charged with an offence i.e. accidents, claims or convictions. Complain to the chief exec advising they are breaching the 2015 Insurance Act in penalising you for something they should not be. Then complain to the Financial Ombudsman Service. Best thing to do is change your insurer as well.
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