Audi TT Roadster - HELP Forgot to add sp50 - im now mid claim :/

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Tue 5 Apr 2016 18:38
Audi TT Roadster - HELP Forgot to add sp50 - im now mid claim :/ - bradders608

Hello,

I purchased my insurance in Late June, i think in July/Aug annoyingly i recieved my first speeding conviction - SP50 - for driving at 72mph at 01:30AM on a motorway in a temporary 50mph. NO works were being done at that time of the morning but hey. I understand i did wrong. I took the 3 points and fine but completely forgot to add the conviction to my insurance.

A couple months back i was involved in a non fault accident and my car goes in to be fixed on friday.

What do i do?

1) Should i apply the conviction to my policy now?! 2) If i do will they refuse to pay for my repairs?
3) If i dont will they find out and refuse to pay for my repairs?

4) and what about the hire car? would i have to pay for that as well?


Please help me, any advice will be greatly appreciated.

Thank you

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Tue 5 Apr 2016 18:51
Audi TT Roadster - HELP Forgot to add sp50 - im now mid claim :/ - RobJP

Phone them up and come clean : "I'm really sorry, but I've just realised I forogt to tell you ..."

It probably won't make any difference. But now that you've realised, failing to tell them is fraud.

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Tue 5 Apr 2016 19:36
Audi TT Roadster - HELP Forgot to add sp50 - im now mid claim :/ - scot22

I agree with Rob. I can't remember the Latin spelling but insurance is a uberimae fidei contract. In English it means of utmost good faith. Always disclose everything related to an insurance policy - otherwise there will be serious problems.

Sorry if it sounds pompous. I respect your attitude to speeding conviction and hope you have minumum inconvenience. Best Wishes.

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Wed 6 Apr 2016 00:43
Audi TT Roadster - HELP Forgot to add sp50 - im now mid claim :/ - Avant

Very nearly, Scot - 9/10 (sorry, I can't resist it - I know you were a headteacher!).

Uberrimae fidei.

Edited by Avant on 06/04/2016 at 00:45

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Wed 6 Apr 2016 10:27
Audi TT Roadster - HELP Forgot to add sp50 - im now mid claim :/ - scot22

Like it. I'm now going to write it out twenty times.

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Wed 6 Apr 2016 11:54
Audi TT Roadster - HELP Forgot to add sp50 - im now mid claim :/ - bradders608

Thank you for your replys so far, i really appreciate it.

Could someone please still clear up my 1 - 4 questions at the bottom, just so im 100%

Thank you

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Wed 6 Apr 2016 12:27
Audi TT Roadster - HELP Forgot to add sp50 - im now mid claim :/ - RT

Thank you for your replys so far, i really appreciate it.

Could someone please still clear up my 1 - 4 questions at the bottom, just so im 100%

Thank you

1) Yes, tell them now

2,3&4) You'll have to wait to see - but if you delay telling them it can only get worse.

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Wed 6 Apr 2016 12:40
Audi TT Roadster - HELP Forgot to add sp50 - im now mid claim :/ - bradders608

Ok, will do Thank you

ugh, i feel sick :/

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Wed 6 Apr 2016 15:29
Audi TT Roadster - HELP Forgot to add sp50 - im now mid claim :/ - slkfanboy

On the basis you purchased the Insurance and then got the SP50 you are ok. The SP50 plus claim will sadly be applied to your renewal quote so next years insurance will be pricy i guess.

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Wed 6 Apr 2016 15:54
Audi TT Roadster - HELP Forgot to add sp50 - im now mid claim :/ - FP

"The SP50 plus claim will sadly be applied to your renewal quote so next years insurance will be pricy i guess."

Not necessarily. When I declared mine it made only a slight difference.

When renewal time comes, it would be a good idea to shop around; not all insurance companies treat a speeding conviction equally.

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