Car Insurance want to charge me for not declaring 3 points

ben209

I used the confused.com link that is on this thread at the beginning, cos I have been a naughty boy and wanted to see how much extra it would cost to be insured on wifeys policy (I was caught by a gatso, 58 in a 50 :mad: )

When I went onto confused, i got a quote without points, then went back in and changed details.

Increase with current insurer £30 per annum. That'll work.:beer:

It seems as though drivers are not being penalised as much for 'first offences' as hey used to be. Is this because the proliferation of speed cameras mean that more people are getting points??

Big up to the original poster, thanks for the advice :T :T :T

maclean2

Recently got quote for my FIL who is 91 and still scares drivers in Wiltshire in his Rover 200.

Price from SAGA was around £250.00 but looking ahead they would still cover him at age 100 for around £300.00.

Hopefully he will not be driving in 9 years time but at least SAGA would still insure him!

MarkyMarkD

ben209 wrote:

It seems as though drivers are not being penalised as much for 'first offences' as hey used to be. Is this because the proliferation of speed cameras mean that more people are getting points??

More likely because insurers realise that 3 speeding points aren't a very good indication of increased risk and hence loading the premium doesn't make any sense.

I know lots of people who drive more dangerously than people who have 3 points, and who don't have points. It depends, more than anything else, on WHERE you do your driving, WHEN you do your driving and whether you have a speed camera detector!

lizzygill

My boyfriend was convicted of dangerous in May 2003 and was banned for 18 months (for crashing his car going too fast). He is about to resit his extended test and I am looking to insure him on my car. There are 2 questions that I don't know how to answer and need some help with:

Have you had any convictions in the last 5 years? Technically the answer is no but if it is not declared, can they use it against him if there is a claim in the future?

How long have you held your driving licence for? When he passes it will be a new licence but does he have to include the number of years he had his licence for prior to losing his licence?

It is really difficult because I need him to drive now but if such convictions are on his licence, I am looking at an insurance premium of £3,000 per year for a 30 year old male to drive part time. We definatley cannot afford this and it is more than the value of our car!

lisyloo

Have you had any convictions in the last 5 years? Technically the answer is no but if it is not declared, can they use it against him if there is a claim in the future?

The answer to that question is no.
If you answer their questions honestly then there is no come back.

I'm not sure about the licence question.
You best bet would be to ring the insurer and ask.
Or jsut for shopping around put the shorter timescale as that will be highest cost.

dacouch

lizzygill wrote: »

My boyfriend was convicted of dangerous in May 2003 and was banned for 18 months (for crashing his car going too fast). He is about to resit his extended test and I am looking to insure him on my car. There are 2 questions that I don't know how to answer and need some help with:

Have you had any convictions in the last 5 years? Technically the answer is no but if it is not declared, can they use it against him if there is a claim in the future?

How long have you held your driving licence for? When he passes it will be a new licence but does he have to include the number of years he had his licence for prior to losing his licence?

It is really difficult because I need him to drive now but if such convictions are on his licence, I am looking at an insurance premium of £3,000 per year for a 30 year old male to drive part time. We definatley cannot afford this and it is more than the value of our car!

Technically he does not need to declare the conviction after five years from the CONVICTION DATE as he is rehabilitated under the Rehabilitation Act. However if he received a prison sentance or community service the term may be different.

Generally Insurers would would expect you to enter him as just passing his test.

The premium you are being quoted appears very high assuming he is being added to your car, you have some no claims bonus and not a really high group car. Try ringing a local broker or Adrian Flux as either of these would normally be best in your case. (It would be best to advise the broker he has the Dangerous Driving Conviction so they have the full picture

Good luck

DCFC79

lizzygill wrote: »

My boyfriend was convicted of dangerous in May 2003 and was banned for 18 months (for crashing his car going too fast). He is about to resit his extended test and I am looking to insure him on my car. There are 2 questions that I don't know how to answer and need some help with:

Have you had any convictions in the last 5 years? Technically the answer is no but if it is not declared, can they use it against him if there is a claim in the future?

How long have you held your driving licence for? When he passes it will be a new licence but does he have to include the number of years he had his licence for prior to losing his licence?

It is really difficult because I need him to drive now but if such convictions are on his licence, I am looking at an insurance premium of £3,000 per year for a 30 year old male to drive part time. We definatley cannot afford this and it is more than the value of our car!

i would have thought since hes taking the test then its classed as a new licence but id ask the insurance company to be sure,

JonBoy_SCFC

what iceman and Marky are overlooking is that even if insurer does not pay out any claim to the OP, then they may well have to pay out for any 3rd party costs

e.g. OP has Astra worth £10k and crashes into mr X - ruins his £25k BMW and also he has whiplash for £10k. Even if they "void" OPs claim for his Astra, they still have to pay £35k to Mr X

So it's not true to say they're having their cake and eating it, as the majority of costs are incurred anyway


Hope this helps

dacouch

Jon the OP aneurin was probably interested in the answer two years ago

JonBoy_SCFC

dacouch wrote: »

Jon the OP aneurin was probably interested in the answer two years ago

i was posting more towards Marky & Iceman who have been dragging this thread out in recent days;)