Ok, had cause to ring my car insurance company to inform them of an accident even though I wasn't intending to claim. Someone must have bumped into me whilst I've been parked and caused a couple of hundred pounds of damage. As my excess is £350 it wouldn't have been worth me claiming.
Anyway I still had to go over a few questions with them, one of them being had I had any motoring convictions/ speeding fines over the last 5 years? I answered truthfully yes, a speeding fine in July 2017. To which they replied I had never informed them. Which is true. I absolutely and genuinely forgot, I've got a million and one things going on in my life and it went completely out of my head. Not only that when it came to renewal I had just ticked my circumstances hadn't changed, therefore telling a lie. Again, it genuinely never even crossed my mind.
I know this is absolutely my fault and I have no excuse. Have received a letter from them this morning asking for a print out of my licence and reasons why I didn't inform them. I have none and don't intend to lie about it. They have stated until they receive a response they are " unable to consider any claim under the terms of the insurance policy". Does this mean if I go out in my car now I'm not insured. Their offices aren't open at the weekend for me to clarify.
What is going to happen? Will they ask for a whole load of back payment? Even if I had told them when it happened does a 3 point penalty up your premium by a lot?
I'm so mad with myself. I'm usually truthful to the nth degree.