Do I need to notify my insurer if I've received 3 points?

[Storm]

The thread title says it all. Do I need to notify my insurer immediately or do I wait until I renew?

I'm uncertain if I'm "obliged" to do so and I'd rather avoid paying OTT "admin" fees where possible!

 

[pammy]

You need to check your policy but chances are yes you do need to tell them.

 

[janner]

Pretty sure you are obliged to tell them asap. If these are your only points then it shouldn't affect your premium or incur admin charges.

 

[crockers]

Yes you do ... if you don't you could technically be in breach of contract as you have brought a different risk to a common pool of insurable risks..

3 points tho will most likely make no difference to your premium ....some insurers don't penalise even 6 pts..

 

[Storm]

Many thanks! I'll give them a call.

 

[Benzowner]

You need to tell your insurers, and it will depend on your misdemeanour as to whether you pay any extra. 62 in a 50 limit on a motorway is less likely to attract as much notice as 42 in a 30 limit in an urban area. Best of luck.

 

[Storm]

How did you know I was doing 42 in a 30?! Hmmm...

Not quite an urban area though, it was a dual carraigeway. Still at least the road outside the local school is 40mph.

Stupid speed chuffing speed limits.

 

[crockers]

all the insurers will want to know is the penalty code on your liscence..

 

[Storm]

Yup, all contacted and they just updated the details, no hassle at all, which is nice.

Many thanks for your help everyone.

 

[Engineered]

Most allow 3 points "for free" but six or more...be prepared for a bill!!!

 

[Shawny69]

Direct line do add extra, or they did for me on an sp30, cost me about 8% extra

 

[crockers]

Direct line do add extra, or they did for me on an sp30, cost me about 8% extra

All depends on insurance companies - their individual policies and how much marging they have in a contract..

By individual policies ..I mean how they view the added risk no their individual insurance policies...