Quick Survey........

no-oneknowsme

adamc260 wrote: »

Are you hoping that in the event of a claim they won't check your license due to a ban/points which i'm assuming are non disclosed? =/

I think the OP has already had an accident (someone cut them up on a roundabout) and they have a previous driving ban which they didnt declare when taking out insurance once they got their licence back.

anniecave

adamc260 wrote: »

Are you hoping that in the event of a claim they won't check your license due to a ban/points which i'm assuming are non disclosed? =/

From his multiple threads, yes he is.
And from his multiple threads, it sounds like he might get away with the non disclosure issue..
Although one thread mentioned a 50/50 liability split which I assume will mean his NCB will be affected, unless he's protected it.

[Deleted User]

I had a theft claim about 2 years, which was delayed because the additional driver's licence was at DVLA, and they wanted copies of both our licences.

I don't even know why they needed his, when he wasn't in charge of the car when it was stolen?

Quentin

Bedsit_Bob wrote: »

I had a theft claim about 2 years, which was delayed because the additional driver's licence was at DVLA, and they wanted copies of both our licences.

I don't even know why they needed his, when he wasn't in charge of the car when it was stolen?

They wanted it because they had taken on trust the details you gave when applying for your policy, but wanted to verify you had been truthful about all the details you had given them, and on which they had issued the policy.

(Had there been undisclosed convictions on any covered driver's licences would have caused problems for you over your claim)

adamc260

no-oneknowsme wrote: »

I think the OP has already had an accident (someone cut them up on a roundabout) and they have a previous driving ban which they didnt declare when taking out insurance once they got their licence back.

Shame we don't know more about him... i'd happily report him to his insurer and wouldn't think twice about it either!

mikey72

adamc260 wrote: »

Shame we don't know more about him... i'd happily report him to his insurer and wouldn't think twice about it either!

Why, because the comparison site didn't transfer the details over, or because you've decided that couldn't possibly happen, so it has to be the op who didn't enter it, so it must be fraud, and you've already decided that the only possibility you can believe in?

no-oneknowsme

mikey72 wrote: »

Why, because the comparison site didn't transfer the details over, or because you've decided that couldn't possibly happen, so it has to be the op who didn't enter it, so it must be fraud, and you've already decided that the only possibility you can believe in?

Wasnt it the responsibility though of the OP to read his policy docs once he received them?

To be honest , the impression I get from the OP's posts is that he still doesnt have any intention of disclosing the ban to his insurers , even though he HAS noticed the error of the ban not being listed on his policy docs!

He is still hoping against hope that his insurers dont discover the non disclosure - why else would he be making numerous posts (and surveys) asking will he be asked to send a copy of his driving licence to the insurer following his recent accident?

The OP (in my opinion) is still hoping that the ban can be concealed.....

How can that NOT be fraud!

mikey72

It's the responsibility of the comparison site to transfer the information correctly. http://www.fsa.gov.uk/pages/consumerinformation/product_news/insurance/price_comparison/index.shtml

no-oneknowsme

Mikey that may well be so.....but are you seriously saying that the OP shouldnt have doubled checked his docs when he received them?

Do you also not agree with the rest of my post?

Do you not see that even now , although the speeding ban is missing from the OP's driving history they are STILL trying to conceal it from their insurer?

They are making multiple posts on here panicking incase their insurer asks for a copy of their licence to proceed with their accident claim. To me that doesnt sound like someone who wants to put things right!

By not informing their insurer of the speeding ban now that they have realised it hadnt previously disclosed it is fraud!

adamc260

mikey72 wrote: »

It's the responsibility of the comparison site to transfer the information correctly. http://www.fsa.gov.uk/pages/consumerinformation/product_news/insurance/price_comparison/index.shtml

It's your policy and therefore your responsibility to make sure it is correct... everyone knows comparison sites are sparse with the information they pass over and that is why you are told when you go to the direct insurers website to check the information before submitting a legally binding contract based on the information that has been provided to them. The fact the OP is aware his ban was not included yet fails to still disclose a material fact in the hope he can get a claim paid out is imo wrong... Would the insurers of provided cover in the first place had they known about the ban, probably not?

Most insurers tend to have wording like this on their sites...

Please ensure that the information provided by you and the statements on this page are correct. Should you decide to buy this policy, these details will form the basis of the insurance contract between us. Incorrect information could invalidate all or part of the policy.