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Will failure to declare a speeding fine affect my ability to claim?

Speeding. It's something that can happen all-too-often on a motorcycle and should you ever be caught for it, it is imperative you advise your insurance compnay as soon as possible.

This is because failure to declare such information could create serious repercussions, should you ever need to make a claim.

To help breakdown the reasons why this is so important, we have inlisted the help of solicitor, Andrew Campbell, who has written MCN's long-standing weekly law column for the last seven years.

Speaking about this eventuality, Campbell said: "When you enter a contract of insurance you have a duty to answer all of their questions accurately.

"Where any misrepresentation was deliberate or reckless - for example, where the customer knew, or did not care, that the information provided was untrue or misleading - then the insurer can refuse all claims.

On this occasion the points don't make prizes

"Where the misrepresentation was careless, the outcome depends on what would have happened if the insurer was given the correct information. If they still would have insured the customer but at a higher cost or on different terms (for example, a higher excess), then they can reduce any pay-out by the additional cost or based on the different terms.

"If they would not have offered insurance, they can refuse to pay out, but must return the insurance premium."

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MCN reader David Bramwell, from Birmingham, fell foul of such carelessness; forgetting to declare his three points for speeding, before needing to claim for the theft of his motorcycle.

Replying to Bramwell's problem in a column, Campbell went onto say: "I would call your insurer and explain the situation.

"Before doing so, run your details, with the three points, through an insurance comparison website. If your insurer comes up in the results then you can be fairly confident they would have provided cover.

"If there is a dispute you can refer it to the Financial Ombudsman to arbitrate," he added. 

Find your next two-wheeled companion at MCN Bikes for Sale.

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