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Do insurance compannies always check??
Comments
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Your insurance will pay the third party in this case but they have the right to come after you if you failed to declare something that would have changed the premium or would have excluded you from being accepted.
Do you have any assets the insurance company could seize? They might send you bankrupt to reclaim their money.:footie:
Regular savers earn 6% interest (HSBC, First Direct, M&S) Loans cost 2.9% per year (Nationwide) = FREE money. 0 -
Do they have access0
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They cannot access DVLA records about your licence without your consent.
As others have said, some will check, some won't although these days - due to the amount of fraud and non-disclosure - most probably will.
You're caught between a rock and a hard place really, if they do ask you will have to declare it and then will have missed any opportunity to come clean and maybe reach a reasonable conclusion.
If you are lucky and dont get asked then you will need to be very careful in the future...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.0 -
Post the insurer - others who have been involved in a claim will know what their routine is and post here for you.0
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They cannot access DVLA records about your licence without your consent.
As others have said, some will check, some won't although these days - due to the amount of fraud and non-disclosure - most probably will.
You're caught between a rock and a hard place really, if they do ask you will have to declare it and then will have missed any opportunity to come clean and maybe reach a reasonable conclusion.
If you are lucky and dont get asked then you will need to be very careful in the future...
Mate I can assure you that the way I feel now that I will never get in this situation ever again!!!0 -
Mate I can assure you that the way I feel now that I will never get in this situation ever again!!!
Sorry, just re-read what I posted and it didn't come across how I intended. I wasn't trying to judge you or tell you to be a good lad from now on!
When I say about being careful in the future I'm talking about your current insurer finding out - for example, more and more insurers and brokers are building increasingly sophisticated fraud screens, particularly for people shopping on comparison sites, that will flag up existing/recent customers that are looking at prices on-line again, so there is always the possibility that your insurer will pick up your conviction in that way - having said that, I doubt very much that many of them would have the intelligence to put the two things together though.
The point is, even if you are lucky now, these things are getting harder and harder to get away with - technology is moving fast.
If I was you, i would run a quote through on-line with your current insurer but not using your own personal details, include your ban and see if they will still offer cover, if they will then that stacks the odds more towards coming clean as the issue then is whether or not they believe it was a mistake or deliberate rather than a black & white voiding of the policy. In these circumstances the onus is on the insurer to show that they were deliberately misled rather than it being a genuine mistake and there are plenty of cases that have been before the FOS where they have taken the policyholders side rather than the insurers.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.0 -
Post the insurer???
Does that mean the insurer will request a copy of my counterpart or the actual copy by post?
The thing that is giving me a small amount of hope is that it is 5 months since the accident and the letter basically says in summary that it is our intention to settle by 50/50 split liability should they not recieve any reasonable objection from myself....
No, what I meant was let is know (by a post in this thread) who your insurer is!
That letter is your insurer stating they intend to settle unless you object (and really shouldn't build your hopes it means they won't be veryfiying your application details)0 -
No, what I meant was let is know (by a post in this thread) who your insurer is!
That letter is your insurer stating they intend to settle unless you object (and really shouldn't build your hopes it means they won't be veryfiying your application details)[/
THATS GOOD ISNT IT?????0 -
Only if you read and quote it out of context!0
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