Driving License Revoked

rodenal

WhiteHorse wrote: »

As it's all about risk, it's not irrelevant.


That's for an online quotation. The formats employed are very rigid. If the OP were to actually ring the insurer and give the full details, the answer would certainly be very different.

Note that they always say that if in any doubt, ring them to clarify. It doesn't sound much, but legally, it's quite important.

In any event, is it honestly being suggested that 6 penalty points and multiple convictions are going to be viewed with complete indifference by an insurer?

I completely disagree - from a contractual point of view if the form and therefore the insurer asks, have you ever been banned, the op answers no. Contractually there is no breach if the op has an accident and the insurer then checks the licence to see its been revoked. Backing this up is the fact that the OP will be putting in licence date of this year with 3 years no claims, the specific question has been asked quite clearly and answered correctly. Should the insurer want to know in this section of the quote that the driver has had their licence revoked they have to specifically ask this question.

Should the form ask have you ever been banned or had your licence revoked then the answer must be yes, you will find the exact same questions are asked over the phone as are put in black and white on the insurers own online forms.

To answer the last question r.e convictions then no they wont treat it with indifference, you'll probably find that in this case they just don't increase the OPs risk profile significantly according to the insurers own model. It's a bit like having an accident when you have zero no claims and have just passed your test - the next years insurance probably won't be too different (from a different insurer)

fivetide

OP Re: Your No claims discount.

we had a similar issue with the Mrs. You need to ring the companies yourself not use the comparison sites.

They simply won't accept that you can have had insurance before you had a license. The Mrs had her own car, insured and registered in her own name to learn in so she has a longer no claims discount than she has officially held her license.

Trying to get people to understand that though.... different story.

I'm more amazed that you seem to have been able to pick up insurance for £350. what are you insuring? A pair of trainers?

5t.