Help! Undeclared points on insurance :(

gordonquinn

Since the claim is not your fault then it doesnt matter, even if youre insurance company invalidates your insurance, it doesnt matter as you are not claiming.

They will probably let you pay the difference, but remember, it might work out cheaper to cancel the policy and take out a new one, check out prices and see what theyre coming up as.
The reason I think this, is that insurers generally charge a fee for making changes to a policy and then your premium will of course go up.

Basically you don't need to worry.
If the accident was your fault, then it would be an issue, but for now you are fine.

kingstreet

gordonquinn wrote: »

Since the claim is not your fault then it doesnt matter, even if youre insurance company invalidates your insurance, it doesnt matter as you are not claiming

Far from true. Having cover cancelled for non-disclosure can have potential implications for years ahead. Some insurers will not offer terms, others will charge vastly increased premiums.

Don't forget the reason for all this. This is someone also carrying an "IN10" from 2008 as well. That has to be disclosed for another two years.

To OP - sorry to be so blunt. This is someone already prosecuted for no insurance saying they forgot to disclose the conviction, making their current cover potentially void. That looks poor to any new insurer.

Anything the OP can do to hold on to the current cover by convincing the insurer it was inadvertent non-disclosure should be attempted.

HKitten

kingstreet wrote: »

To OP - sorry to be so blunt. This is someone already prosecuted for no insurance saying they forgot to disclose the conviction, making their current cover potentially void. That looks poor to any new insurer.

That's okay. I'm waiting for a call back from them and I looked up online and they'll accept people with up to 9 points, so I guess the only grounds they'll have for voiding it will be if they don't accept people with an IN10, or if they think it wasn't an honest mistake

It really was just a big communication problem between me and my partner. I know I rushed it through at the time as well because we'd been desperate for a car and bought one literally the day before we needed to make an important journey, which added to me not checking the insurance as thoroughly as I should have. I'll never make that mistake again!

The waiting is the worst - I'm the sort of person who wants to get things sorted, I phoned as soon as I'd read the letter and it's killing me to wait through today to hear what they think.

kingstreet

Fair enough. I just didn't want you to think I was having a pop when I was simply trying to reiterate to gordon how serious this is, regardless of the accident not being a "fault" claim.

HKitten

kingstreet wrote: »

Fair enough. I just didn't want you to think I was having a pop when I was simply trying to reiterate to gordon how serious this is, regardless of the accident not being a "fault" claim.

I definitely get how serious it is, don't worry I've had other people get the wrong end of the stick and say 'but it'll be fine because you weren't liable for the accident' and I'm thinking 'the accident was just the catalyst for all this coming to light, I'm not worried about that part at all.'

At least one person I know of had a similar situation where she had a minor scrape with another car and her insurance dug up an old speeding conviction she'd forgotten about. She only had to pay the difference, which gives me hope. And we've only had insurance with them for 6 months and we brought the points up, not them, so hopefully they'll look at it sympathetically.

I'm really just talking to try and convince myself because hardly anyone can tell me anything more than 'wait and see' I hate the uncertainty.

garyburns

Good Afternoon,
I am Gary and i have a problem! Apologies for hi-jacking your thread HKitten but i did a search for my problem and this was the closed i came to my situation, although the circumstances are slightly different (for the worse) and wondered if anyone could help.

Here goes... similar situation although i received 3 penalty points for speeding on Friday 13th....:( May this year and TOTALLY forgot i had them. I am the policy holder on a car worth around £14k, it was brand new in Feb and we bought it on finance (PCP). My partner was named on the policy and whilst driving to he vets with our kitten last week she gripped the verge and ended up in a barrier, so 100% her fault. Car written off. Once i had spoken with the insurers it dawned on me that i had forgotten about these points and when they held the conference call with the DVLA this mistake on my part was brought to light. My question is what happens now? what are the chances of them not paying out?

Any help would be appreciated.

kind regards

A worried Gary

Quentin

Them not paying out will depend on two possibilities:

1) If they would never have covered you had they known about your points

or

2) Them deciding your non disclosure was a deliberate attempt to pull the wool over their eyes.

Otherwise the worst you face is a premium increase + admin charge for a mid term change.

garyburns

Quentin wrote: »

Them not paying out will depend on two possibilities:

1) If they would never have covered you had they known about your points

or

2) Them deciding your non disclosure was a deliberate attempt to pull the wool over their eyes.

Otherwise the worst you face is a premium increase + admin charge for a mid term change.

Do points for speeding make your insurance premium go up that much? i Have 7 years no claims and never been in any trouble with the police.
Pay around £600 for two cars one is group 15 the other was group 7 (the one which was crashed).

The worst i would face is a premium increase? That would make life simpler, obviously if i purchase a car for that amount i would not deliberately attempt to dupe them. I just hope they see it that way. If anyone out there is reading this please check through your insurance policies and make sure they are right!!

Thanks Quentin, makes me feel slightly better!

Regards

Gary

dunstonh

Once i had spoken with the insurers it dawned on me that i had forgotten about these points and when they held the conference call with the DVLA this mistake on my part was brought to light. My question is what happens now? what are the chances of them not paying out?

Some insurers ask to be told straight away. Others only require you to tell them at renewal.

It is unlikely you will suffer a refusal to pay out on points accrued in May unless you have had a renewal since then. Most likely they will reduce the claim by any premium owed. However, there are really too many variables to say what will happen.

Quentin

garyburns wrote: »

Do points for speeding make your insurance premium go up that much?

You can get an idea what difference (if any) your conviction makes to the premium by doing some virtual quotes online with and without the points.