False information for car insurance claim

bizzylizzy69

Can someone help or advise.
I have made a big boo boo.
When buying car insurance this year, I told the company I had no points on my licence (I actually didnt think I did!!!)

My vehicle was recently stolen and I have had to claim through the insurance.
I know I will receive no more than about 300 pounds or so.
The problem is, having just rummaged through my car details, I picked out my drivers licence and saw one speeding fine with 3 points and another with 3 points for just going over the white line at traffic lights (both back in early 2009). I am in a really big panic now as I know I have given false information both when buying the insurance and when they went through my claim (albeit unknowingly). It wasnt intentional at all and I feel very stupid not to have checked before buying insurance.

I really dont know what to do and feel a bit like a rabbit in the headlights. Being me, I would rather call the insurance company and tell them the truth as I hate the fact that I've actually made this mistake, but I dont know what the consequences will be and am now terrified.

ANY advice appreciated from folks out there.
I cant feel any more of an idiot than I do now (plus its been really crap to lose my vehicle which I rely on for business), so helpful advice only please:embarasse

Quentin

Contact them and explain your unintentional oversight.

brownie4583

or keep quiet and hope they don't find out......but if they do,then say it was an oversight,you will be in the same boat as admitting it straight away

paddedjohn

For £300 its probably not worth claiming, especially if you have an excess aswell, cancel the claim.

Quentin

brownie4583 wrote: »

or keep quiet and hope they don't find out......but if they do,then say it was an oversight,you will be in the same boat as admitting it straight away

This is poor advice.

eg If it turns out that having 6 undisclosed points means the insurer would not have taken you on in the first place, or takes the view it was deliberately forgotten about etc, and you are involved in a claim (maybe involving a third party), then the insurer has the opportunity to void the policy, meaning that all costs would ultimately have to be paid out of your own pocket!