united-kingdom insurance
Do non-EU international speeding offences count lawfully for UK insurance declarations?
<p>As a US citizen, my wife received and paid a speeding ticket in Texas in 2013.</p>

<p>After moving to the UK in 2015 (she's also a EU citizen), she began working towards her UK driver's license in early 2016 and sought to find an insurer, declaring this offence on each application as she went. When she confirmed an agreement with an insurance provider, they assured her that an international conviction did not count in the UK, and so they gave her a policy based on zero offences.</p>

<p>After passing her test, she moved to a second insurer who was willing to give her a better rate, whom she has now been with for the past ~9 months. We did not declare any offences to this second insurer, because we had been told by the first insurer that the US speeding offence did not count in the UK. Yesterday, we received a letter from the second insurer's data verification team, who are claiming a discrepancy between her policy and 'another quote or policy from elsewhere within their group', have added an <strong>SP40 Exceeding passenger vehicle speed limit</strong> offence against her current insurance policy, and are back-charging her £750 for the last year's worth of insurance.</p>

<p>Do non-EU international speeding offences count lawfully in the UK for insurance declarations? Have we unwittingly committed some kind of fraud or not?</p>

<p>It doesn't matter whether such offences "count lawfully". </p>

<p>The insurance company doesn't <em>punish</em> you for speeding, that's none of their business. But they calculate the risk and the premium based on your driving history. Being caught speeding in the USA poses the same added risk as being caught speeding in the UK or in the EU, so each will increase your premium. </p>
