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insurance question - joe
This June, I had the misfortune to be snapped by a gatso in Cambridge. 3points and 60 quid.

I told my insurers about this at renewal time, and my quote went up by around 60 quid as a result. I have to say that the lady at Direct Line was rather taken aback that I had told her, and was not immediately sure what to do! Apparently, I am in the minority.

Anyway, my good lady wife has just renewed her insurance. I am a named driver on her policy. She did not tell them about my conviction.

Will she or I now get in trouble? Is her insurance valid? Do the insurance companies look at each other's data? Should I / Mrs Joe come clean, and is it likely that her insurance will have a big hike as a result of me being a named driver?
insurance question - Dynamic Dave
Joe,

This does suprise me. I was always led to believe insurers allowed you at least one speeding fine and parking fine before it affected your policy, if at all.
insurance question - BB
It varies from insurance company to insurance company. Some see speeding tickets as a mistake and do not increase the premium, while others do. I would advise that you tell both insurance companies as they may invalidate your insurance if you have an accident. They will do almost anything of getting out of paying up!

insurance question - acerimmer
You have to inform insurance companies about parking fines?
insurance question - BrianW
"You have to inform insurance companies about parking fines?"

And illegal use of bus lanes?

But not murder, rape, arson, theft, being drunk and disorderly, possession, dealing or use of drugs, or GBH ! Etcetera.
insurance question - Jonathan {p}
But not murder, rape, arson, theft, being drunk and disorderly, possession,
dealing or use of drugs, or GBH ! Etcetera.


Are you sure about this? I have been asked in the past if I have any convictions (non motor related as well). Errrr, I should say, I have never been convicted. I mean I have never turned my hand to any of the above.

If you do not care about breaking other laws, why would you bother with motoring ones?
insurance question - Mark (RLBS)
>>But not murder, rape, arson, theft, being drunk and disorderly, possession, dealing or use of drugs, or GBH ! Etcetera.

Not true, actually. It all comes under "material fact".

Now, clearly, some of those you mentioned are material and some are not.
insurance question - Hugo {P}
You would always be well advised to tell your insurance company.

How can you justify a saving of £60 or so in increased premiums against the back drop of a fault accident, an insurance company that won't pay up, a conviction for driving without valid insurance, the huge bill of defending a third party claim on your hard earned savings, compensation to the third party, a lifetime of debt.... I think you get the picture!

If you hit me I'd want to know you're propery insured!

If I hit anyone else, at least they would be compensated.

You probably spend nearly £60 on a couple of good nights out.

I' prefer to be properly insured, especially as they are paying for solicitors to fight with two separate insurance companies. I was the middle car in a sandwitch!
insurance question - joe
All good points Hugo. As insurance is all about peace of mind, there seems little point in having this worry for the sake of £60 or so.