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Do insurance compannies always check??

wuzzbert
wuzzbert Posts: 54 Forumite
edited 27 May 2012 at 2:27PM in Insurance & life assurance
Has anyone in this situation been lucky / unlucky????
«13

Comments

  • rudekid48
    rudekid48 Posts: 2,382 Forumite
    Part of the Furniture 1,000 Posts
    What is the conviction that hasn't been declared?
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
  • wuzzbert
    wuzzbert Posts: 54 Forumite
    speeding ban :(

    sorry, it was 3 years ago.
  • Quentin
    Quentin Posts: 40,405 Forumite
    Insurers do take you on trust in the main, but those that do so usually check out policyholders in detail at the time of a claim.

    If this wasn't your fault, why not get it sorted now?
  • rudekid48
    rudekid48 Posts: 2,382 Forumite
    Part of the Furniture 1,000 Posts
    wuzzbert wrote: »
    speeding ban :(

    sorry, it was 3 years ago.

    was it actually a ban or just a speeding conviction? Like Quentin says you should probably get this sorted now before it gets any further - if it was just a speeding conviction then you will probably be ok and just have to pay some extra premium but if it is a ban then you are going to have a tough time of it I'm afraid.
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
  • wuzzbert
    wuzzbert Posts: 54 Forumite
    edited 27 May 2012 at 2:28PM
    Quentin wrote: »
    Insurers do take you on trust in the main, but those that do so usually check out policyholders in detail at the time of a claim.

    If this wasn't your fault, why not get it sorted
  • wuzzbert
    wuzzbert Posts: 54 Forumite
    It was a ban for doubling speed limit, late at night quiet road, silly I know and never again but we live and learn.
  • wuzzbert
    wuzzbert Posts: 54 Forumite
    edited 27 May 2012 at 2:29PM
    ? How do they normally check?
  • Quentin
    Quentin Posts: 40,405 Forumite
    wuzzbert wrote: »
    I thought about doing that but for a ban I was advised not to, play innocence

    Who advised that?

    Might be coming home to roost now! (Whatever the reason it wasn't disclosed, some insurers won't cover drivers with bans on their record)
  • wuzzbert
    wuzzbert Posts: 54 Forumite
    edited 27 May 2012 at 2:29PM
    I have legal cover through my union, the adviser said it off the record. He said if you tell them you were banned they will void it
  • InsideInsurance
    InsideInsurance Posts: 22,460 Forumite
    10,000 Posts Combo Breaker
    Not all insurers do, some will out of a matter of course, others do it in only certain circumstances, randomly or if they have cause for concern.
This discussion has been closed.
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