Being Bullied By Car Insrance Companies!!!

Herzlos

Yes

endorsements come off your license a year earlier for totting up purposes but still need to be declared to insurers.

I thought it was 3 and 4 years but I think the can ask for 5 years history.

Comms69

Yes

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

You consider having points on your licence normal then?


You therefore flippantly disregard the law, simply because it does not align with your moral compass?


And then you complain about insurers 'ripping you off'....


Perhaps it's best you don't drive, it's cheaper.... and safer for others.

Comms69

Yes

Quentin wrote: »

No.

Sac is an educational course.

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

Parking is a penalty charge notice. NOT a fixed penalty notice.

HappyHarry

Yes

ripplyuk wrote: »

They're notorious for finding any excuse to load premiums.

That's strange. Whenever I renew my car insurance, the insurance companies go out of their way to try and reduce my premiums to be lower than their competitors.

I must be doing it all wrong!

kingstreet

Yes

Herzlos wrote: »

endorsements come off your license a year earlier for totting up purposes but still need to be declared to insurers.

I thought it was 3 and 4 years but I think the can ask for 5 years history.

Yep.

Three years for totting.
Four years on licence.
Five years for insurance.

FWIW, insurance has been five years for as long as I can remember and the three and four thing with DVLA is a lot younger.

margaretx9

Norman_Castle wrote: »

How do insurers check points history?

I recently made a claim on my insurance. Before they paid out they insisted I did a joint call with the DVLA in which the DVLA confirmed my licence was registered at the same address as my insurers had AND my licence was clean and I had no points/convictions in the last 5 years.

Its all on a database anyway - and while they may not check when you apply for the insurance they will check if you claim. And if you have not been honest/answered incorrectly they could invalidate the claim entirely in extreme circumstances.

Sympathy to the OP - but no one forgets points on their licence that easily! And if you have check your records first - as declaring wrong info could get you in trouble (e.g. refusing to pay out on a claim or even worse cancelling your insurance which will make it difficult for you to get any insurance potentially for the rest of your life).

ValiantSon

Yes

Sparx wrote: »

To be fair, if the points have expired, why should the offence be declared to insurance? It’s truly none of their business. The points have been served and expired. Why should insurance companies use now redundant points to increase premiums? It is just a revenue exercise.

Insurers sell policies at a premium based on their assessment of risk. It is entirely reasonable for them to ask questions about your driving history to assess that risk. It is utterly irrelevant whether or not the state has removed endorsements from a licence. If the insurer considers that a five year time frame is relevant to their risk assessment then they are entitled to take it into account.

Funnily enough, insurance companies are trying (and indeed need) to make a profit. It never ceases to amaze me when people complain that a company is just trying to make more money. Of course they are trying to make more money! If they weren't trying to make more money then they would cease to function.

ValiantSon

Yes

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

There are speed limits on British roads. Those speed limits are signposted and detailed in the Highway Code. If someone chooses to exceed those speed limits then they are committing an offence and can, justifiably, be fined and have their licence endorsed. I don't see how this is a rip off.

You may not like the speed limits that exist (and there are a number of roads where I disagree with the decision to downgrade the speed limit), but nonetheless if you break a speed limit you are doing something which is prohibited and you can be punished for this.

shortcrust

Yes

I can’t tell if the OP is asking if it’s ok to commit insurance fraud or whether they’re asking if it’s unfair to expect an adult to keep records of their motoring offences. Either way, the answer is no.

Aretnap

Yes

Whatever the question was, looks like the answer want the one he wanted...