Non disclosure of penalty points must i pay retrospectively?

stepmaxi

I am picking up a new car tomorrow and found out that because I hadn't disclosed my 2 fixed penalty points ( total 6 points) I had to pay retrospectively.

I hold my hands up I didn't realise this affected insurance and thought it would be may 100-200 pounds. It came to £492 and this I was told was only for the year 2012-2013. What I dont understand is the full insurance for my new 2013 plate is £434 including the penalties ..therefore how can this charge be valid?

On top of this I have had to pay £241 as I was a second dirver on my wifes insurance.

Direct line is the company and they said I had to pay as they would chase us with debt collectors and if we didn't they would also close both insurances within 7 days and forever and a day I'd have to tick the box saying i had been refused insurance?

what i need is advice if i can claim any of this back..the fee seems extreme and their excuse was it was the underwriters rates? can anyone give me some legal standing before I complain.

thanks

Stephen

notanewuser

stepmaxi wrote: »

I am picking up a new car tomorrow and found out that because I hadn't disclosed my 2 fixed penalty points ( total 6 points) I had to pay retrospectively.

I hold my hands up I didn't realise this affected insurance and thought it would be may 100-200 pounds. It came to £492 and this I was told was only for the year 2012-2013. What I dont understand is the full insurance for my new 2013 plate is £434 including the penalties ..therefore how can this charge be valid?

On top of this I have had to pay £241 as I was a second dirver on my wifes insurance.

Direct line is the company and they said I had to pay as they would chase us with debt collectors and if we didn't they would also close both insurances within 7 days and forever and a day I'd have to tick the box saying i had been refused insurance?

what i need is advice if i can claim any of this back..the fee seems extreme and their excuse was it was the underwriters rates? can anyone give me some legal standing before I complain.

thanks

Stephen

They asked about points and you lied in order to get a cheaper deal.

You've now been found out.

You owe the money, they will chase you for it and IG they cancel the policies you'll both be paying more FOREVER.

Captain_Shambolic

stepmaxi wrote: »

I am picking up a new car tomorrow and found out that because I hadn't disclosed my 2 fixed penalty points ( total 6 points) I had to pay retrospectively.

I hold my hands up I didn't realise this affected insurance and thought it would be may 100-200 pounds. It came to £492 and this I was told was only for the year 2012-2013. What I dont understand is the full insurance for my new 2013 plate is £434 including the penalties ..therefore how can this charge be valid?

On top of this I have had to pay £241 as I was a second dirver on my wifes insurance.

Direct line is the company and they said I had to pay as they would chase us with debt collectors and if we didn't they would also close both insurances within 7 days and forever and a day I'd have to tick the box saying i had been refused insurance?

what i need is advice if i can claim any of this back..the fee seems extreme and their excuse was it was the underwriters rates? can anyone give me some legal standing before I complain.

thanks

Stephen

Depends on the convictions but 6 points is a pretty big deal for an insurer so I'm not surprised at the charge. Some convictions will carry more weight than others with some insurers plus the charge for this year is irrelevant because you have got a new car, the old car will be rated differently to the new one.

The charge for the wife's insurance isn't surprising either, you're named on there and therefore rated as a risk on this insurance as any other driver would be.

Ultimately you've accepted that it's non-disclosure and they frankly have you by the un-mentionables here. The choice is to either suck it up and pay it or have the policy cancelled, which will severely limit what insurers take you in the future, any that do will charge a premium rate for the kind of risk you would represent, given that it would be cancelled due to Non-Disclosure, nevermind the fact that your wife would also fall under that same risk.

dacouch

What years were the convictions and what conviction codes were they eg SP30

ninjaryder

I got hit by an uninsured driver in my CAR and because I didn't disclose it on my MOTORCYCLE insurance the following year got stung £50 admin charge + a bit on top for my error. Didn't realise the 2 were related and it was a none fault accident.
Ho hum

kingstreet

It is absolutely essential the policyholder reads his, or her, own policy documentation to establish the requirements of that particular insurer at the time.

Too many people take someone else's word for it and don't bother reading their own documents. Not all insurers operate in the same way. Some ask for updated information on convictions only at renewal, while others ask to be notified immediately. The bloke down the pub may be correct about his policy, but not about his mate's.

spacey2012

If they are allowing you to pay your way out of the deception you should be falling to your knees, not holding your hands up.
They have been so generous and this is an act of goodwill.

Had they have cancelled the policy, you would now be in the queue at the specialist brokers behind the Drink drivers.

dunstonh

what i need is advice if i can claim any of this back..the fee seems extreme and their excuse was it was the underwriters rates? can anyone give me some legal standing before I complain.

The FOS position is that if the insurer (or the FOS if you complain) descide it was accidental non-disclosure, then you have to pay what you owe. If the insurer (or FOS if you complain) decide it is intentional non-disclosure that not only do you have to pay but they can also void your policy, keep the money and you will have to declare non-disclosure for the rest of your life.

Considering they are treating it as accidental non-disclosure at the moment, you should accept that. The consequences of the alternative are worse.

stepmaxi

notanewuser wrote: »

They asked about points and you lied in order to get a cheaper deal.

You've now been found out.

You owe the money, they will chase you for it and IG they cancel the policies you'll both be paying more FOREVER.

Hey there, didn't lie just assumed that the DVLA inform insurers. Given that the uplift is minimal why would I lie? my point is the charges and how they are so high? if you have somrthing construtive to add here then please add

notanewuser

stepmaxi wrote: »

Hey there, didn't lie just assumed that the DVLA inform insurers. Given that the uplift is minimal why would I lie? my point is the charges and how they are so high? if you have somrthing construtive to add here then please add

Why would they explicitly ask you about convictions/points if they were going to get the info from the DVLA?

spacey2012

stepmaxi wrote: »

Hey there, didn't lie just assumed that the DVLA inform insurers.

"Assumption" is the Mother, father, aunt, uncle and nephew of all kok ups.
Read the proposal form to avoid similar situations.