Do you have to tell your insurance company when you have a speeding fine and three points on your licence?

[Jeffju]

[ChuckFickens]

Yes.

[ummmm]

Yes.

[redcrx]

for some insurance companies, 3 points for speeding wont raise the insurance much (if at all) but you DO have to notify them of it

[chas2008]

Yep, because at a later date you may have an accident and they will ask the question then , you then admit to it 1-2 years later they can throw the claim out for non disclosure of vital information.

[welshlibranr]

I think you must! otherwise your insurance is deamed to be invalid!.........................

[wiltsman]

I got three points on my licence and a £60 fine for doing 36mph in a 30mph zone. Obviously I informed my insurance company immediately, and they informed me that I would have to pay an additional £60 on my comprehensive insurance, and that I would be 'surcharged' for the next 3 years.

So, as my renewal was coming up, I shopped around and found a well known company that offered me like for like insurance actually cheaper than I was paying previously, even though I had declared my 3 points and the fine to them.

My recommendation is to shop around every year for insurance, even if you have no penalty points to declare. I find once an insurance company has hooked you, they then take advantage of your loyalty by inflating the premiums the next time the next years' payment is due.

I agree with all you've been told so far, except for BOL10X talking about informing your broker. I can understand BOL10X using a broker because of his medical condition, but with all the comparison sites around, I can't see much use for them nowadays. To me, it's another layer of administration that could be avoided, although I expext somebody will prove me wrong!

Anyway, I hope you don't lose out financially.