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  • FIRST POST
    • hiiw
    • By hiiw 15th Sep 17, 4:54 PM
    • 12Posts
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    hiiw
    License Suspended - Should I Inform Insurance?
    • #1
    • 15th Sep 17, 4:54 PM
    License Suspended - Should I Inform Insurance? 15th Sep 17 at 4:54 PM
    I had my license suspended by the DVLA in March due to self-declaring alcohol misuse within the previous 6 month period. I did not inform my insurer at the time that my license had been suspended, and my policy is up for renewal in November.

    I am applying to have my license reinstated in a couple of weeks time, but I'm not sure whether I should inform the insurance company that it was suspended now, as it has been nearly 6 months since the DVLA came to their decision (I completely forgot to inform them at the time). Some people seem to advise not telling them anything, and simply finding cover elsewhere, whereas others say you need to tell the insurance company? I'm really not sure what to do, as informing the DVLA of my short-term substance misuse problem turned out to be a case of being too honest and shooting myself in the foot!

    Any advice would be greatly appreciated.
Page 1
    • angrycrow
    • By angrycrow 15th Sep 17, 5:11 PM
    • 389 Posts
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    angrycrow
    • #2
    • 15th Sep 17, 5:11 PM
    • #2
    • 15th Sep 17, 5:11 PM
    As you have what is in effect a dvla notifiable medical condition which resulted in suspension of your licence you do need to declare it. The bigger issue is that if your licence has not been reinstated by the renewal they are unlikely to agree to cover you. If you are married and your partner drives you could insure it in their name but if you are single you may struggle to insure the car.

    If the later is the case and you have off road parking speak to a specialist broker about laid up cover and then sorn the car. This will at least give you protection for fire theft or malicious damage.

    Whilst it may feel you shot yourself in the foot declaring it at least you are taking responsibility for your actions which many people would not have done.
    • hiiw
    • By hiiw 15th Sep 17, 5:19 PM
    • 12 Posts
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    hiiw
    • #3
    • 15th Sep 17, 5:19 PM
    • #3
    • 15th Sep 17, 5:19 PM
    I am single but my parents are named drivers on the car (which is a whole other issue as I suspect they are not covered due to the fact that I'm the main named driver). We have off-road parking on a driveway, but obviously if my license isn't reinstated by the time the policy runs out I'll most likely SORN it or my parents will insure themselves on the vehicle.
    • Tarambor
    • By Tarambor 15th Sep 17, 6:03 PM
    • 1,571 Posts
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    Tarambor
    • #4
    • 15th Sep 17, 6:03 PM
    • #4
    • 15th Sep 17, 6:03 PM
    If your license is suspended so you can't drive it but your parents who are named drivers are driving it then you're committing fraud, basically insurance fronting, because the policy holder is not the main driver.

    If for any reason anything happened that resulted in a payout they'd check you had a license, find out it was suspended, invalidate your insurance and pursue you for the costs of any payouts.
    • waamo
    • By waamo 15th Sep 17, 6:08 PM
    • 2,088 Posts
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    waamo
    • #5
    • 15th Sep 17, 6:08 PM
    • #5
    • 15th Sep 17, 6:08 PM
    What does the terms and conditions of your insurance say? They will probably have a section in them about issues such as this. Whatever it says is what you need to do.
    This space for hire.
    • Johno100
    • By Johno100 15th Sep 17, 6:28 PM
    • 3,157 Posts
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    Johno100
    • #6
    • 15th Sep 17, 6:28 PM
    • #6
    • 15th Sep 17, 6:28 PM
    I thought this thread rang a bell.

    http://forums.moneysavingexpert.com/showthread.php?t=5648099
    • hiiw
    • By hiiw 15th Sep 17, 6:44 PM
    • 12 Posts
    • 3 Thanks
    hiiw
    • #7
    • 15th Sep 17, 6:44 PM
    • #7
    • 15th Sep 17, 6:44 PM
    If your license is suspended so you can't drive it but your parents who are named drivers are driving it then you're committing fraud, basically insurance fronting, because the policy holder is not the main driver.

    If for any reason anything happened that resulted in a payout they'd check you had a license, find out it was suspended, invalidate your insurance and pursue you for the costs of any payouts.
    Originally posted by Tarambor
    Yes I thought that was the case, I have informed them of this. My dad has 3rd party insurance which I think negates this? But my mum is not covered for driving the car as I am the main policy holder, correct?
    Last edited by hiiw; 15-09-2017 at 6:47 PM. Reason: added quote
    • atrixblue.-MFR-.
    • By atrixblue.-MFR-. 15th Sep 17, 6:44 PM
    • 6,463 Posts
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    atrixblue.-MFR-.
    • #8
    • 15th Sep 17, 6:44 PM
    • #8
    • 15th Sep 17, 6:44 PM
    If your license is suspended so you can't drive it but your parents who are named drivers are driving it then you're committing fraud, basically insurance fronting, because the policy holder is not the main driver.

    If for any reason anything happened that resulted in a payout they'd check you had a license, find out it was suspended, invalidate your insurance and pursue you for the costs of any payouts.
    Originally posted by Tarambor
    Technically NOT as at the time of taking out the policy the OP was truthfull and he is/was the main driver up intill the point he got suspended, He would be in contravention of not declairing a change of curcumstances but thats about it, fronting NO, He hasnt actively attempted to defraud the insurers at all at the point of taking out the policy.
    I make spelling mistakes, its not intentional, its a condition I have please afford people who have these conditions some respect and not single out their posts for correcting mistakes.
    • atrixblue.-MFR-.
    • By atrixblue.-MFR-. 15th Sep 17, 6:47 PM
    • 6,463 Posts
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    atrixblue.-MFR-.
    • #9
    • 15th Sep 17, 6:47 PM
    • #9
    • 15th Sep 17, 6:47 PM
    @Tarambor Yes I thought that was the case, I have informed them of this. My dad has 3rd party insurance which I think negates this? But my mum is not covered for driving the car as I am the main policy holder, correct?
    Originally posted by hiiw
    Many insurers drive other car extensions have a clause thats the vehicle must be insured in its own right, Have a Valid VED, and MOT and that's the vehicle is not owned by family or spouse. if this is the case and your car doesnt meet this then he would not be covered by his DOC extension so he must Check.


    You MAY still be able to be the policy holder as you OWN/registered keeper of the vehicle, And you could possibly be able to call your insurer and move your mum up to main driver and dad named driver for the remainder of the policy saving you cancelling it.


    Call them and ask.
    I make spelling mistakes, its not intentional, its a condition I have please afford people who have these conditions some respect and not single out their posts for correcting mistakes.
    • hiiw
    • By hiiw 15th Sep 17, 6:49 PM
    • 12 Posts
    • 3 Thanks
    hiiw
    Many insurers drive other car extensions have a clause thats the vehicle must be insured in its own right, Have a Valid VED, and MOT if this is the case and your car doesnt meet this then he would not be covered by his DOC extension so he must Check.


    You MAY still be able to be the policy holder as you OWN the vehicle, And you could possibly be able to call your insurer and move your mum up to main driver and dad named driver.


    Call them and ask.
    Originally posted by atrixblue.-MFR-.
    Thank-you very much for all your help
    • Warwick Hunt
    • By Warwick Hunt 15th Sep 17, 7:09 PM
    • 588 Posts
    • 302 Thanks
    Warwick Hunt
    Many insurers drive other car extensions have a clause thats the vehicle must be insured in its own right, Have a Valid VED, and MOT and that's the vehicle is not owned by family or spouse. if this is the case and your car doesnt meet this then he would not be covered by his DOC extension so he must Check.


    You MAY still be able to be the policy holder as you OWN/registered keeper of the vehicle, And you could possibly be able to call your insurer and move your mum up to main driver and dad named driver for the remainder of the policy saving you cancelling it.


    Call them and ask.
    Originally posted by atrixblue.-MFR-.
    But as you well know, the lack of an mot is not a valid reason to void cover.
    • onomatopoeia99
    • By onomatopoeia99 15th Sep 17, 8:08 PM
    • 3,527 Posts
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    onomatopoeia99
    But as you well know, the lack of an mot is not a valid reason to void cover.
    Originally posted by Warwick Hunt
    Indeed, because otherwise you couldn't take a car without an MOT to an MOT station for a test.
    INTP, nerd, libertarian and scifi geek.
    Home is where my books are.
    • atrixblue.-MFR-.
    • By atrixblue.-MFR-. 15th Sep 17, 10:03 PM
    • 6,463 Posts
    • 4,488 Thanks
    atrixblue.-MFR-.
    But as you well know, the lack of an mot is not a valid reason to void cover.
    Originally posted by Warwick Hunt
    It doesn't void the OP's cover, or the users policy but could DOC extension be voided or withdrawn as the critieria set has not been met?? don't know of a case that's been ruled on in this scenario if it has and it doesn't get void then there you go I'm wrong I'm prepared to say I am, if there isn't I'm not going to be the first to test it and I would stick to the terms and conditions of my cover that's all I can say.
    I make spelling mistakes, its not intentional, its a condition I have please afford people who have these conditions some respect and not single out their posts for correcting mistakes.
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