Being Bullied By Car Insrance Companies!!!

mollycoddle

No

At the end of the day all it boils down to is the insurance companys are ripping us all off & there is nothing we can do about it. As its been said before " why do they need to know the last 5 years points history when they are only active for 3 yrs & on your license for 4 ?

Just to make more money out of you thats all & the want to know a persons history to see if they are a risk is complete cobblers.

The same as the great question " have you had an accident in the last 5 years ? " Again just to make more money from you, you dont even have to be in the car & if you claim against the other person whos 100% at fault as you wasnt even in the car BINGO that is classed as an accident in there eyes and they rob you again. :rotfl:

mollycoddle

No

Oh and why so many people are voteing yes is beyond me , they must like getting ripped off or driving everywhere at 35mph and is the pillar of the driving community who has never had any points

z1a

mollycoddle wrote: »

Oh and why so many people are voteing yes is beyond me , they must like getting ripped off or driving everywhere at 35mph and is the pillar of the driving community who has never had any points

If they're driving everywhere at 35mph they'll have lots of points!

csgohan4

Yes

Whether you agree or not, the rules are there and we can't change them. Control what you have control over, your driving.


You only come under the rules when you accrue points for breaking the rules. Who's fault is that? It's definitely not the insurers or the DVLA.


Stop trying to blame other people and look at yourself and drive carefully.


I am not an angel either, but you learn through mistakes and get on with life, no point in raging about premiums and insurers when you can't change a thing, other than driving more carefully

Manxman_in_exile

Young-T wrote: »

So according to my car insurance company, I have to declare any motoring convictions that I have had within the last 5 years. I knew that I had some points on my license but wasn't 100% sure of how many or when they were issued to me. So I did a bit of looking and found that I can check my license details with Direct Gov. I filled in my driving license number, national insurance number and date of birth. The results came back showing that I only had 3 points on my license which were issued in Aug 2015. So this is what I declared to the insurance company. After taking out the policy the insurance company sent me a text message advising that they will increase the premium. I called them and asked why. They said because I did not declare points that were issued in Dec 2013. I explained that when I checked my details with Direct Gov, it did not show these points. Why would the DVLA remove points from my license after only 4 years when the insurance companies want you to declare everything within 5 years. It seems stupid that I have to declare points which are no longer on my license and have been removed by the DVLA. It makes no sense and just sounds like another way for the insurance company to suck every penny from my already very empty pockets. They have increased my premium by almost £100 for not declaring points that are not on my license. I feel sick to death about this. It ruined my whole day... Martin Lewis, can you explain how Insurance companies are getting away with this?... Daylight Robbery

I can confidently say you have no points on your "license" (unless you are in the USA like a couple of other recent posters).


The noun you want is licence, not license, which is a verb.


Sorry - I reached 60 a couple of days ago and am trying out my grumpy old man mode to see how it fits for size!!!

ripplyuk

No

Manxman_in_exile wrote: »

The noun you want is licence, not license, which is a verb.

I've always been confused about that. Thanks for clearing it up for me.

I sympathise with the OP. I also didn't realise that a fixed penalty was a criminal conviction. I thought you either accepted the points or risk going to court which *could* lead to a conviction. So I would have answered the question the same as the OP did.

How does this work with speed awareness courses? Is that a criminal conviction? What about parking tickets?

Quentin

ripplyuk wrote: »

How does this work with speed awareness courses? Is that a criminal conviction? What about parking tickets?

If you are asked about SACs you must disclose them


No insurer is interested in your parking ticket history!

ripplyuk

No

Quentin wrote: »

If you are asked about SACs you must disclose them


No insurer is interested in your parking ticket history!

OP was asked to declare criminal convictions. If getting points for speeding is a criminal conviction then I would have thought choosing to do a SAC (instead of points) would be too. After all, the original offence is the same.

A parking ticket is a fixed penalty notice, just like a speeding ticket. Why do insurers class one as a criminal conviction and not the other?

It's just all very confusing!

Quentin

No.

Sac is an educational course.

And parking longer than you paid for making you a criminal???????

ripplyuk

No

Quentin wrote: »

And parking longer than you paid for making you a criminal???????

I agree that it sounds daft. I was just concerned that perhaps insurance companies would see it that way. They're notorious for finding any excuse to load premiums.

I found this article which helped me understand all this. It seems it's to do with whether the licence is endorsed or not. http://hub.unlock.org.uk/knowledgebase/motoring-convictions-and-the-rehabilitation-of-offenders-act/