Would you declare missing penalty points

Rolandtheroadie

I've recently renewed my photo on my licence and have had it returned with my penalty points missing.

A police stop on New Years Day also failed to show them up.

Would you declare them when getting insurance quotes?

agrinnall

Are you certain they haven't expired? I would have expected a police check to show them if they are still in the system. If you think they should still be there it would probably be best to clarify with DVLA, and if they say they've made a mistake then yes, you should declare them.

tim9966

When did you get them? A standard speeding SP30 is only valid for 3 years, normally stays on your licence for 4 years, but you should declare it to the insurance for 5 years

s_b

thing is who's got them:D

Rolandtheroadie

agrinnall wrote: »

Are you certain they haven't expired? I would have expected a police check to show them if they are still in the system. If you think they should still be there it would probably be best to clarify with DVLA, and if they say they've made a mistake then yes, you should declare them.

They have not expired, the police check didnt show them and DVLA have returned my licence without them.

Rolandtheroadie

tim9966 wrote: »

When did you get them? A standard speeding SP30 is only valid for 3 years, normally stays on your licence for 4 years, but you should declare it to the insurance for 5 years

Early 2010, they've always been declared (and dont make a difference to quotes so no reason not to) and will continue to be declared.
I just wondered what other people would do. They dont appear to be traceable.

I'm more happy to be avoiding the fee to remove them in a couple of years to be honest.

Quentin

tim9966 wrote: »

When did you get them? A standard speeding SP30 is only valid for 3 years, normally stays on your licence for 4 years, but you should declare it to the insurance for 5 years

You misunderstand points.

They aren't "invalid" after 3 years.

The three years is to do with totting up. When totting up how many points are on your licence, only those endorsed on the licence during the last 3 years are used. Any others are still "valid", but not counted towards a ban.

(After 4 years you can get them removed from your licence)

Paul_the_Painter

tim9966 wrote: »

When did you get them? A standard speeding SP30 is only valid for 3 years, normally stays on your licence for 4 years, but you should declare it to the insurance for 5 years

Bit in bold is not strictly true, you declare points to your insurance company if they ask about about them, and answer the question truthfully! But only answer the question they ask.

Some want to know claims or convictions for different lengths of time than others. If ABCD insurance started asking you how many points you had had within the last 10 years, you would have to answer that question.

HappyMJ

Paul_the_Painter wrote: »

Bit in bold is not strictly true, you declare points to your insurance company if they ask about about them, and answer the question truthfully! But only answer the question they ask.

Some want to know claims or convictions for different lengths of time than others. If ABCD insurance started asking you how many points you had had within the last 10 years, you would have to answer that question.

Well yes that is right I suppose. Answer the question as asked. I suppose it should have read "most insurers only ask about offences within the last 5 years".

cruger

scotsman4th wrote: »

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Would you declare them when getting insurance quotes?

Computer say's no.:D

MarkyMarkD

Insurers share the information you provide when asking for quotes or applying for insurance.

If you have disclosed the points in the past, and do not disclose them again, that is fraud and they WILL identify it - possibly once you claim for writing off your car - and will potentially void your policy.

The question they ask is not whether your licence shows points, it is whether you have had any motoring convictions and the only correct answer to that question is "yes".