Car insurance help

rikkih

Hi just a question

If i have a named driver on my car insurance policy and they have been given points which i have not informed the insurance about, would this affect my policy in terms of getting paid out if my car was stolen? any help appreciated.

regards

huckster

Have you had the car stolen? or is this just a question of what if ?

Advice is to tell the Insurers of the named drivers points, just in case they have an accident or they are involved when car gets stolen. If the named driver is relevant to claim, Insurers will ask questions and it could cause you problems.

rikkih

thanks for the reply it is a what if but the points were from about 6 months ago so not sure what to do? so if the named driveris not involved it would not matter?

thanks

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A speeding offence isn't likely to be material until the renewal of the policy. When was it renewed?

rikkih

it was renewed after i got the points thats the thing

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So who has the points?

rikkih

my son has the points it is his car but had it insured in my name as it was a lot cheaper i also drive the car?

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Good grief. This goes from bad to worse.

How is it his car if you're insuring it?

rikkih

ha how do you think i feel!

well he bought the car but i insured it so i guess then legally it is his would this make a difference?

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Google insurable interest.

Who's the registered owner of the car?

HAS IT BEEN STOLEN?

bouncydog1

Sounds as if you fronted a policy for your son and did not disclose material facts to the insurers to enable them to charge the correct premium for the risk. The insurers are entitled to void the policy due to non-disclosure.

A suggestion may be to get your son to arrange cover in his own name, disclose his points and pay the correct premium for the risk.