Convictions on insurance record

[KrazyBones]

Hi guys,

I always thought that tickets stay on your driving record for 3 years from the date of the conviction. My broker says that it stays 3 years from when your insurance renews and they start charging you for it. So if you get a ticket in may but insurance doesn't renew until September... you ill be charged 3 years until September?

Can anyone confirm this, seems fishy to me.

[toysareforboys]

Hi guys,

I always thought that tickets stay on your driving record for 3 years from the date of the conviction. My broker says that it stays 3 years from when your insurance renews and they start charging you for it. So if you get a ticket in may but insurance doesn't renew until September... you ill be charged 3 years until September?

Can anyone confirm this, seems fishy to me.

They only pull your record when they renew your policy. If your ticket comes off mid year you'll be paying the higher price for the entire year. But on the next renewal you'll be golden.

If your insurance renews after the ticket has came off (3 years from the date of the conviction) there is absolutely no way they will charge you for the ticket as it's no longer on your abstract.

What company you with?

-Jamie M.

[Kedo]

Hi guys,

I always thought that tickets stay on your driving record for 3 years from the date of the conviction. My broker says that it stays 3 years from when your insurance renews and they start charging you for it. So if you get a ticket in may but insurance doesn't renew until September... you ill be charged 3 years until September?

Can anyone confirm this, seems fishy to me.

The conviction remains on your abstract for three years from the date of conviction (not offence date).

[VifferFun]

Your MTO abstract updates in real time, but your convictions history used by the insurer for rating doesn't change until renewal. Your MTO abstract will clear you conviction three years after the date of conviction OR the date you were proven guilty in court (whichever comes latest).

[AF4iK]

3 years from date of conviction. I know because for the last 5 years or so I've consistently maxed out my 2 minor-tickets allowance and juggled a third in the court system. By the time renewal comes around, one ticket has fallen off my abstract while another has been added, once again giving me room to juggle a third ticket. If you're not sure when your tickets fall off your record just call up your insurer and ask.

[KrazyBones]

I will get my abstract and make sure everything is legit.

[toysareforboys]

I will get my abstract and make sure everything is legit.

When you get it post it (edit out your info) and we can compare abstracts I have one that's 8 pages long from way back when

-Jamie M.