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Comments

  • Quentin
    Quentin Posts: 40,405 Forumite
    GingerBob wrote: »
    Again, full facts are not known.

    The surveillance database stores details of cancellations for six years, so that's the de-facto limit after which you don't need to declare it, despite what the insurance companies lie.
    There are a number of databases. They aren't all bound to just keep details on file for just 6 years

    No-one can be sure how where they are being checked up on - eg the insurers own database won't just hold records for 6 years!
  • System
    System Posts: 178,375 Community Admin
    10,000 Posts Photogenic Name Dropper
    GingerBob wrote: »
    Again, full facts are not known.
    .


    Yes they are.
    She decided to install a device in her car knowing it would monitor her compliance with traffic laws, and then ignored it.

    There are no other relevant facts, other than that she appears to be a very slow learner for an 18-year old.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • paddyandstumpy
    paddyandstumpy Posts: 1,486 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Clifford_Pope wrote: »
    There are no other relevant facts, other than that she appears to be a very slow learner for an 18-year old.

    Don't forget at that age they think they know best!
  • GingerBob_3
    GingerBob_3 Posts: 3,659 Forumite
    paddyandstumpy wrote: »
    Just to add, I've just posed the question to my contact in our fraud team, about which database records what and the length of time it's held for.


    The Insurance Fraud register. Five-year retention period.
  • rudekid48
    rudekid48 Posts: 2,382 Forumite
    Part of the Furniture 1,000 Posts
    GingerBob wrote: »
    The Insurance Fraud register. Five-year retention period.

    You seem to have a keen interest, are you on it?
    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.
  • GingerBob_3
    GingerBob_3 Posts: 3,659 Forumite
    Clifford_Pope wrote: »
    Yes they are.
    She decided to install a device in her car knowing it would monitor her compliance with traffic laws, and then ignored it.

    There are no other relevant facts, other than that she appears to be a very slow learner for an 18-year old.


    How many miles had she driven in the month?


    How many individual journeys?


    How far over the limit was she on each occasion?


    Etc...


    No, the full facts are not known. With the limited information we are not in a position to judge whether or not the insurance company got it right.


    "she appears to be a very slow learner for an 18-year old". What a pompous remark!
  • GingerBob_3
    GingerBob_3 Posts: 3,659 Forumite
    edited 4 November 2016 at 3:05PM
    rudekid48 wrote: »
    You seem to have a keen interest, are you on it?


    Not unless someone has stolen my identity.
  • rudekid48
    rudekid48 Posts: 2,382 Forumite
    Part of the Furniture 1,000 Posts
    GingerBob wrote: »
    Not unless someone has stolen my identity.

    Unlikely :rotfl:
    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.
  • Casual-Cal
    Casual-Cal Posts: 10 Forumite
    JuliaSteer wrote: »
    Exceeding the speed limit 4 times in one month for which we paid a £100 fine to the insurers.
    Some of the local roads in the area are 20mph so sometimes I think the speed can creep up.
    I think it's unreasonable to pay a fine and have them cancel the policy. Maybe they could of imposed regulations for her as a last resort other than cancel it.

    She deserves to have it cancelled when she was speeding. Tell me does she use her phone when she drives as well.
  • kingstreet
    kingstreet Posts: 39,338 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Casual-Cal wrote: »
    She deserves to have it cancelled when she was speeding. Tell me does she use her phone when she drives as well.
    You get cut some slack by the regulars when you're a newbie.

    Do unto others and all that...?
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
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