Declaring a fine for stopping in a bus lane

[GhostlyPea]

Hi all

Unsure on this despite googling so would like some advice. I had a fine come through for stopping in a bus lane which was paid off within 7 days. The query I have is that as this was a non-endorsement, does it need to be declared when getting insurance, and if so, what code (NE99?). Any advice would be apprecaited

- GP

 

[Mercenary Keyboard Warrior]

No I wouldn't declare that at all.

Accidents (incidents), claims and convictions you declare.

 

[grudas]

things that give you points need to be declared this is just a fine.. so I wouldn't declare it.

 

[GhostlyPea]

Thats what I thought. The stupid thing is that I cant even remember when it happened. I know I received an e-mail with the details in it for paying the fine but i can't locate it and can't remember the date!

- GP

 

[Armageus]

Shouldn't need to, as not a criminal offence, although depends on the phrasing of the question on your policy surely?
E.g. some now specifically ask for non-endorsed offences e.g. speeding mitigated by taking an awareness course

 

[Glanza]

If it doesn't result in you getting points or a driving course it doesn't need to be told to insurance.

 

[Dav4]

Why would u even think that a bus lane fine had to be declared? It’s no different than getting a parking fine for overstaying in a car park. You pay it and that’s the end. The vast majority of people don’t even declare points for speeding etc these days.
On a side note I ******* hate those sneaky bus lane camera cash cows. I got done driving in Manchester once turned down a street and must have been in the bus lane for about 5 seconds at most before realising and changing lanes but they still sent me a fine

 

[Diddums]

Points = declare.
No points = no declare.

Is this legal though? Or is it one of those grey area things that everyone turns a blind eye to?

 

[Dav4]

Is this legal though? Or is it one of those grey area things that everyone turns a blind eye to?

There’s more grey areas in car insurance than 50 shades of grey. The vast majority of people are oblivious to the minor things you are “supposed” to declare and drive round unaware that they could have there insurance void if in an accident. Even just things like remaps, tuning boxes or chips, tinted windows/glass even factory spec things like upgraded alloys or sat navs etc you could go on about the things that insurers say you have to tell them about but nobody ever does

 

[stopper]

Is this legal though? Or is it one of those grey area things that everyone turns a blind eye to?

It's just the city council taking advantage of motorists, because yes everyone turns a blind eye to it.
Legal, yes because they have permission from the national government to send them, but there is no lawful obligation for you to actually pay it as it's a PCN, not a fine, and you have not broken any law.

 

[GhostlyPea]

Why would u even think that a bus lane fine had to be declared?

Because of the wording on the website

- GP

 

[Nasher]

I wouldn't declare it even if they asked, there's no way they can find out about fines like this. Unless they are going to request info on your registration from every council in the country. Which would likely cost them far more than you pay them in insurance...

 

[Mercenary Keyboard Warrior]

There’s more grey areas in car insurance than 50 shades of grey. The vast majority of people are oblivious to the minor things you are “supposed” to declare and drive round unaware that they could have there insurance void if in an accident. Even just things like remaps, tuning boxes or chips, tinted windows/glass even factory spec things like upgraded alloys or sat navs etc you could go on about the things that insurers say you have to tell them about but nobody ever does

They ask if you have modified the vehicle in any way, so its quite clear they want to know, I have never heard anyone think they don't need to declare chips etc
There are plenty of insurers that charge minimal amounts for some of the mods you listed, once you start using chips etc thats different.

The majority of insurers take the car as base as its delivered from the factory (so dealer fit options would be mods), but thats not a hard and fast rule, some take it as the base spec so even factory options need to be declared.
How you know this for a 10 year old car, well its still your responsibility to check, and they pretty much always point this out as well with a comment along the lines of "if you are unsure you should seek professional advice"

The key boils down to materiality pretty much. A minor prang they won't care, get involved in something nasty and they will.

What actually happens in practice is that whilst technically void they will still honor your insurance in regards any third party liability, but they will then go after you directly for damages, via court if necessary.