I stupidly forgot to inform my insurance and yesterday was involved in accident. Forgot to disclose 3 points to insurance co. . If you move out-of-state, you still need to pay all surcharges assessed for offenses that occurred while you were a New Jersey … I'm sat here filling in the form and I've just realised that I didn't notify my insurers that I got 3 points on my licence over a year ago . If you are unsure about how many points you have, you can check via gov.uk to see your driving record, review your penalty points or disqualifications and create a licence ‘check code’ so you can share your driving record with an organisation such as a car hire company. Speeding Tickets and Your Insurance Rates When you apply for insurance, your insurance company will either ask you if you have any convictions for speeding tickets in the last three years or they will get a … As for speed awareness course, not all insurance companies ask if you have been on one, Admiral do for example. As demerit points aren't the only thing insurance companies take into consideration, it's impossible to guarantee that your car insurance premium would be low just because you have a perfectly clean driving record. I know 2 different people who got points, didn't declare them and then the insurance … This is false, because there are several coverages on your insurance policy that you may want to use. If you have a motoring conviction, insurers will see you as a greater risk and your insurance premiums will increase. How a driving conviction will impact your quote. What do I do? ! I'm at the point in the form where I have to say if I've had any points/convictions etc within the past 5 years. The other driver as admitted liabilty as they pulled out in front of me. I moved out-of-state. Do I still have to pay the surcharge bill? Or you run the risk of them not paying out should you have an accident. It's down to me to claim from my insurance. In order to use any of these, you are required to notify your insurance company. Insurance companies price their car insurance products based on a series of risk calculations, predicting how likely a driver is to make a claim.. What is your source? Second time, definitely, again I guess the stats show that people who get caught more than once are a higher risk. A common myth is that you do not need to contact your insurance company if you were not at fault. Hi, I took out my insurance July 2012, in November of that year I got 3 points for speeding (SP30). You do need to notify them. Penalty points and insurance. If you have zero demerit points then you can expect a lower premium than you would otherwise face if you had points accrued. the number of demerit points you have accumulated in the last two (2) years. I guess the stats show that people have learnt their lesson and drive more carefully if they have been caught. However, a condition requiring prompt notification of a claim is far more likely to be construed as a condition precedent to coverage. Insurance surcharges. PS - A fault claim stays on the record for 5 years, but Insurance companies don't take notice of it for the third and fourth year! Will this invalidate my insurance? TBH if you dont, it wont make much difference, unless the TP makes a claim further down the road, then the underwriters can "reserve their rights", and you dont want that!!! The courts will clearly consider the impact that the failure to correctly notify has caused to insurers in making its decision as to what insurers have the right to do.