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    • As  @Mwynci states this can't be enforced if not in the terms of the Motor Insurance or pointed out at Point of Sale. Again referred to as not a standard motor insurance term.  They also can't retrospectively opt not to cover me. I'm not going to roll over and just accept almost a £5K reduction for something they have no liability on. The other note of interest is the word 'Proportionate' Is £5K Proportionate to £120?
    • Unfortunately paying the £185 is the least worst option..   You could apply for a set aside, but not only does it cost more at £255 but you also have to give the judge a reason why you didn't file your defence when you were supposed to.   You could just not pay, but that would lead to six years of a trashed credit file.   Best to take it on the chin and be ready if the same thing ever happens again, when it will be essential to read what is written on the court form and respect any deadlines the court sets (something dx repeated upthread). 
    • I'm going to say once again I think that you are fortunate that they didn't refuse to cover you at all. Normally insurers are looking for a way out and I think they could have been much more heavy-handed with you. I would advise you to take the money and then if you want to pursue the third party will help you. The great thing is that if you take the money from the insurer then you are left with a relatively small sum which doesn't put you at risk if you decide to bring a small claim – and if liability has been fully admitted then I don't really see that you can lose. I'm sure that the other side will bring the reduction of your insurance cover into issue – but I don't see that it is relevant to the question of their liability. Otherwise you're going to get into very complicated ground about the assessment of your failure to keep the insurer informed about your speeding convictions. I'm sorry to say but I think that it is absolutely clear that these things have to be mentioned to an insurer and it is absolutely clear that the insurer would have charged you a greater premium – or even possibly have refused to insure you. Do you have any other convictions which the insurer has been made aware of? Or did you have a completely clean licence before these two speeding offences
    • Nope not worth mentioning. Paying them Even 1 penny will let them sink their claws int him for the next 6 years. Don’t fall for their fake threats.
    • Hi @Mwynci The UW threw this into the mix yesterday.    As @BankFodder mentions above they are making a meal of this, given they will be claiming back from the third parties insurer anyway given its a Fully Comprehensive Insurance.  That said they have advised this morning that they need to prove to the TPI that I've been fully indemnified and this plays heavily on the basis I've made a 'careless misrepresentation'. My view is its an oversight on the basis the contract was auto re-newed.    As stated, non fault accident, full liability accepted by third party and police log confirms this, following attendance at the scene so no dispute. Surely my insurer has no liability. 
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Hope I have posted in right section here!


I'm about to get an enhanced disclosure carried out for a teaching post in Glasgow - I have no criminal convictions but have the following;


a] 3 points on my license for a speeding offence 2 years back and

b] A county court judgement in relation to a student loan which I am paying back.


Is [a] a criminal conviction and would this show on my disclosure?


Is likely to be shown on the form also? I'm a bit shy about this one and don't really want prospective employers to know of this!


Any help would be appreicated.



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A: a driving conviction is EXACTLY that. Its not a criminal conviction - you did not go to court, and im guessing it was delt with my means of a NIP ( notice of intended prosicution) and a FP - Fixed Penalty.


This will have no bearing on your disclosure.


A county court judgement is not releveant, its a financial issue, which is not related to the disclosure.


Hope that helps - I am subject to continual security/disclosure checks in my job.

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Hi. I agree with k13. A speeding fine is never taken into account, or a lot of us wouldn't have jobs!

Illegitimi non carborundum




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