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Stuart J
Stuart J, Solicitor
Category: UK Traffic Law
Satisfied Customers: 22517
Experience:  PGD Law. 20 years legal profession, 6 as partner in High Street practice
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I was stopped two months ago for driving without insurance.

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I was stopped two months ago for driving without insurance. However, I have not, as of yet, received any form of notification from the police or the courts, regarding my pending prosecution. As I result I don't know if I'm being prosecuted and in case I am, what for. Do I have to disclose "a pending prosecution" to my potential insurers?
Hi

Thank you for your question and welcome to Just Answer. I will try to help with this.

Did you receive a fixed penalty?
Customer: replied 4 years ago.

Nope. Nothing.


Ok.

This is really an insurance question then so I'll pass this onto an insurance expert for you.




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 to
disclose anything which might affect the insurer's attitude to risk and this is
certainly 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 the
insueerw ill look closely at dates if ever you make aclaim because they will
try to wriggle out of paying for any excuse. You need to be sqeaky clean.



Sorry.



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Stuart J, Solicitor
Category: UK Traffic Law
Satisfied Customers: 22517
Experience: PGD Law. 20 years legal profession, 6 as partner in High Street practice
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