Recently, my hubby got a retro fee from his car insurance company, because three years ago, he was caught speeding, and fined,, but didn't report it to the insurance company. He wasn't too happy about it cos it was 3 years ago. The matter came up, when we were insuring my car. Because I am still a learner, he has to be the main name on my car. So, check the policy of your insurance, and if they require you report any offences,, be warned.