Question about my insurance

[Jay14]

Hi, guys. I got kind of a situation here. I was riding my scooter from work a couple of weeks ago and I was stopped by the police. The officer greeted me and asked for ID, name... I thought it was a routine check but it turns out my CBT was out of date for almost two weeks. I renewed the CBT and got my certificate, but today I got the letter with the penalty notice: 3 points and 100£ fine. This is the first time this happens to me, so I don't really know what to expect. I know my insurance premium will go up next year when I renew it, but I also need to notify the insurer about this, right? Can they cancel my insurance because of this? I need the scooter to work and to commute and I fear that if my insurance is cancelled, no other insurance company will want to work with me. 

[S-Westerly]

3 points isn't end of the world stuff so I think you should be alright but probably you'll need to tell your insurer. 

[bonio]

Yes, you need to tell you insurer; they might increase their fee, I don't know, but they definitely won't cancel your insurance. I hardly know anyone who hasn't had 3 points on their licence at some point in time.

But take care: you now need to be squeaky clean. I'm guessing your licence is less than two years old, and if so, it's 6 points and you lose it. Point only come in threes, so just one small error - speeding, L plates not right, licence plate too small - and you could be looking at a major set back.

[bonio]

4 minutes ago, bonio said:

But take care: you now need to be squeaky clean. I'm guessing your licence is less than two years old, and if so, it's 6 points and you lose it. Point only come in threes, so just one small error - speeding, L plates not right, licence plate too small - and you could be looking at a major set back.

... Hmm may be I guessed wrong. If your CBT was up for renewal 2 weeks ago, your licence should be more than two years old. If so, you can relax a bit, as it's 12 points before game over.

[Bungleaio]

10 hours ago, bonio said:

... Hmm may be I guessed wrong. If your CBT was up for renewal 2 weeks ago, your licence should be more than two years old. If so, you can relax a bit, as it's 12 points before game over.

 

Interesting one, the 6 point thing applies when you first get a license but with a provisional you can get up to 11 points. Once a test is passed any points that take you up to 6 points or if you have more than 6 at the time of test will result in a loss of licence.

 

Anyone that manages to amass several points on a provisional will be paying a fortune for insurance I should imagine.

Edited November 19, 2024 by Bungleaio

[JohnJive650]

Make use of the calendar on your phone, and set up notifications for when insurance, tax etc are due

[Fiddlesticks]

2 hours ago, JohnJive650 said:

Make use of the calendar on your phone, and set up notifications for when insurance, tax etc are due

Can recommend Fuelio app. It does all that stuff and keeps a track of VIN nos, servicing and fuel consumption too.

[RideWithStyles]

If you don't have a valid CBT (Compulsory Basic Training) certificate, you can be fined up to £1,000 and get up to 6 penalty points for riding. You must pass your full moped or motorcycle test within 2 years of getting your CBT certificate. If you don't, you'll have to: Retake the CBT course and get a new certificate and Stop riding. 

 

You can get points on a provisional license, just like you can on a full one. Penalty points on your provisional license that have not expired will be carried over to your full license when you pass your test. 

Here are some other things to know about penalty points and provisional licenses:

• If you reach six points before you've taken your test, your provisional license won't be taken away. 
   
• If your license is canceled within 2 years, you'll have to apply and pay for a new provisional license. 
   
• You'll have to retake both parts of your driving or riding test again to get a full license. 

[Capt Sisko]

On 19/11/2024 at 01:51, Jay14 said:

1/ .... but today I got the letter with the penalty notice: 3 points and 100£ fine......

 

2/ .... but I also need to notify the insurer about this, right? Can they cancel my insurance because of this?

1/ What was the penalty notice / fine & points actually for?  No valid CBT means no valid licence and that usually means no valid insurance. Either of those usually gets you a lot more in terms of points & fines.

 

2/ Happy to be corrected if I'm wrong here, but I thought you only had to tell your insurance company details of points etc when you took out the insurance policy. I accept it might be different if you lose your licence completely and have to retake your test, but just points?? Anyone know for certain? 

Edited December 11, 2024 by Capt Sisko

[RideWithStyles]

You can still have a valid licence and no valid cbt or vice versa (as one expires before the other).

they are separate but work together so neither can cancel other out directly but carry on riding when you depend on each part being valid when either isnt is not allowed.

you can have the insurance if it happens prior to the policy start date but they have the right to nil and void as they won’t pay you out, but a good one would most likely sort out third party problems first (its variables and complicated by law) if you royally screwed up as they still have some amitagation as best, then the right to chase you afterwards for all the money back.

 

capt- My understanding is that jay only got the points afterwards of the insurance policy starting and not prior in this Regard? So if he got another policy he would have to declare it. 

 

Jay should tell them, it would be up to the insurance/underwriters to determine if what he did wrong is still ok if they want to carry on insuring, unless you did real bad they will but it might cost you for it.

 

Edited December 11, 2024 by RideWithStyles