Thank you. I'm the insurance expert.
Insurance is what is known as a contract of utmost good faith http://en.wikipedia.org/wiki/Uberrima_fides
when you are under a duty todisclose anything which might affect the insurer's attitude to risk and this iscertainly one of those.
The CPS have 6 months to lay papers before magistrates with a view to issue proceedings.
The date of the offence will show up on any future conviction and theinsueerw ill look closely at dates if ever you make aclaim because they willtry to wriggle out of paying for any excuse. You need to be sqeaky clean.
Can I help further?
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