ban for 1 month �345 fine declare insurance

[bash123]

Hi all
i have been disqualifed for 1 month for speeding or doing 68mph in a 40mph road and a ban and a �345 fine and 0 points

I did not get any points on my licence but 1 month ban but the offence code was sp30 and �345 fine which i belive stay on my licence for 3-4 year is that correct when getting insurance should i declare the ban i do not have a car at the moment so i have been told my somebody my insurance will go up by double

please help ???


just to add to that i have learnt my lesson, cold morning on the buses not good

thanks all

[steve2010]

the points stay on your licence for 4 yrs,but only count for 3 yrs,yes you must tell your insurance about any points on your licence,if you dont and you have a accident,then they will not pay out,your insurance will be dearer,yes,but not double

[Ethel]

You do not have any points on your licence, but you do have a conviction - and the insurance companies require you to declare motoring convictions.

So yes, you must tell them, and yes, your insurance will cost more.

[JudgeJ]

Just to clear up any confusion you may have, upon being convicted of an endorseable motoring offence the court can EITHER impose penalty points (minimum three, maximum ten, depending on the offence and its seriousness) OR it can impose a disqualification. It cannot do both.

Before the points system was introduced if you were convicted of any three offences within three years you received a disqualification. The points system enables the courts to grade the seriousness of each offence and you can commit as many as four or a minimum of two offences before seeing a disqualification under the current totting up rules. However, as you have discovered, you can be disqualified for any single offence (even one which normally attracts the three point minimum) if the court thinks it is serious enough. You can also be disqualified from driving for non-motoring offences if the court thinks that driving was a significant contributory factor to the offence. A good example of this is fly-tipping.

As Ethel correctly points out, although you have no points you still have a conviction and must declare it to any insurers for the period they ask you about when making your proposal. Most companies want to know of any convictions or fixed penalties you have accumulated during the five years before your insurance begins. Failure to do so will invalidate your insurance. This can be done retrospectively leaving you open to prosecution for No Insurance (minimum 6 points).