Car Insurance problem - declaring points

kylestyle06

Yes they sent me a letter, which I opened yesterday.

I should of gone through post earlier etc, and yes, it is 6 points in total, Which they now know about.

At the end of the day I can't get out of it and have to pay it by the looks of it

I think it may be a case of lesson learned, and remember to call insurance on any points received.

kylestyle06

no-oneknowsme wrote: »

So , is that actually 6 points you have on your licence ?

You have 3 which i assume you had already declared for speeding and then you have the 3 which you forgot to declare which were for a defective tyre ?

Is this right ? 6 points ?

That is correct mate.

mikey72

For a comparison, adding 6 points for those two adds about 15 to 20% to my annual premium.

dunstonh

Adding 3 points (on second named driver) added 16% on my last renewal. I suspect adding another 3 (to make 6) would have been a bigger hit still.

mikey72

There's another thread on here at the momemt.

987654 wrote: »

I've just got my quote for next year which was £360 on Gocompare but then went up by £60 when I remembered OH's 2 x 3 points!

It depends a lot on the op's details but 66% sounds a lot to go up by.

dacouch

mikey72 wrote: »

There's another thread on here at the momemt.



It depends a lot on the op's details but 66% sounds a lot to go up by.

I'm guessing the OP is youngish judging by them being with Admiral and the original premium being £900.

Insurers tend to load younger drivers with more than one conviction a lot higher than they would for an older driver.

As it's Admiral they have a funny system if you pay monthly where you pay interest and lose a discount for not paying in one go. This could have affected the additional premium.

However it is well worth challenging them and also checking what the premium would roughly had been last year. The Insurer will be treating the non disclosure of the conviction as being "Inadvertent" so should have rewritten the cover on the basis they would have done had the conviction been declared. Personally my view would be that they should use the premiums applicable at inception although Admiral may be using their current rates. As stated

Kyle here is the Ombudsman's guidance on Non Disclosure, your case will be under the "Inadvertent" Section. http://www.financial-ombudsman.org.uk/publications/ombudsman-news/27/27-ins-nondisclosure.htm

kylestyle06

Dacouch, thanks.

What would you suggest I do from here?

dunstonh

Kyle here is the Ombudsman's guidance on Non Disclosure, your case will be under the "Inadvertent" Section. http://www.financial-ombudsman.org.u...disclosure.htm

He is lucky to have it classed as inadvertent as I suspect the FOS would not be so generous on non-disclosed points that that a year old. They tend to be more generous on things you are likely to forget over time. Not things that have recently occurred.

It depends a lot on the op's details but 66% sounds a lot to go up by.

Not necessarily. Some insurers will not offer insurance to young drivers if they have 6 points or will penalise them far more heavily in cost compared to a more experienced driver.

mikey72

dunstonh wrote: »

He is lucky to have it classed as inadvertent as I suspect the FOS would not be so generous on non-disclosed points that that a year old. They tend to be more generous on things you are likely to forget over time. Not things that have recently occurred.



Not necessarily. Some insurers will not offer insurance to young drivers if they have 6 points or will penalise them far more heavily in cost compared to a more experienced driver.

Admiral seem to like young drivers, but only the op can get a comparable quote.

dacouch

If you can afford to live without the money for the month, then do as Mikey suggested and get a quote on last years details with the conviction declared. Then send a letter by recorded delivery headed "Official Complaint" and raise a complaint, they have to fully investigate the matter and report back to you in a set period.

This might result in a reduction in amount owed but it might not.

If you need money now, you could go down the reclaim under the direct debit guarantee as previously explained but be aware they may register against your credit file.