Insurance Query.

[Fletchie1990]

Hi all,

Dont know if this is in the right section... but...

On my birthday :-( i got pulled and got a FPN, £60 fine and 3 points. Ultimately, using my mobile whilst driving... not gonna make excuses...

But,

The copper gave me the offense code BE46 ( i belive ) and said 'not in proper control of vehicle'.

I know this has to be declared to the insurance company, but when im looking at quotes etc, this offense is not listed, so what do i do?

My policy is with Quotemehappy, so all online based no phone numbers, so if i cant add the offense i cant declare it?

Whats your advice??

Thanks

 

[Beef-Mc]

This might help you: http://forums.pepipoo.com/lofiversion/index.php/t65868.html

 

[DannyR]

Have you got your licence back yet?

FPN codes are different to the licence codes.

It'll be a CU80, but what does your licence say?

 

[Fletchie1990]

Im going to the station to surrender it tomorrow, so wont know for a few weeks!

 

[DannyR]

Can't you choose conviction pending?

If not it is a CU80 as I have one

 

[skyinsurance]

Your licence will come back with a CU80, bad news on that one, insurers are really penalising that particular conviction.

Try an insurer where you can speak to a human being?

http://www.skyinsurance.co.uk/car-club-insurance.html

 

[Fletchie1990]

Got my license back yesterday, bit surprised you need to send both parts, as all they seem to do is write the 'offense' on the paper part :S

Anyway, its come back with offense code MS60, something to do with offense not listed by over code, which by looks of it, is the worst offense to have. I done online insurance quotes and this code practicly doubles my premium, whereas using CU80 'only' adds like £200.

So, question is, ive tried to google it but cant find a real answer,

If i feel the offense code is incorrect, is there a way of getting changed to relfect actually using mobile phone? It seems like, IMO the police have a deal with insurance companies to give you a different code to whack policy prices up!

Also could i declare conviction as 'just' using mobile, or would that be providing false info?

Thanks

 

[DannyR]

Isn't MS dangerous or reckless driving?

Believe the racing offence is an MS.

 

[DannyR]

MS50 is racing, sorry.

Seems a bit weird. It was a phone you were on and not a sat nav or texting?