Car Insurance Help - Points or No Points?

anotheruser

So...

I thought I was insured to drive my partners car. They're insured to drive mine and I'm sure that we added the option.

Had an accident and reported to the police with a statement. When they asked for insurance details, it was only then that we uncovered I wasn't actually insured. It would have been the other party's fault as although they played dumb at the scene, they were clearly in the wrong lane.

So I withdrew the statement, changed the insurance, all good.

A few months later, we get a letter saying I have to pay a fine and 3 points or go to court for driving with no insurance. Paid the fine and sent driving licence off to the DVLA but it came back exactly the same (nothing written on it).

Now insurance has gone up from about £400 to £800, but there was no option for declaring 3 points, only 6. Does that mean it's a sort of warning set of points?

I don't mind admitting I was in the wrong but my insurance company simply said they didn't add it on as I didn't ask for it - well I'm pretty sure I did!

Is there anything else I should be doing or can do?
Does this have to be declared for just a year or for 3 4 5 years?

Cheers

Quentin

You declare points and convictions for 5 years

Reardoa

You cant usually add DOC (driving other cars). Tendency is that the insurer either gives it or they don't and it will vary from insurer to insurer.
An IN10 usually carries a 6 point penalty so consider yourself lucky if you only get 3. It will drive up your insurance as it deemed to be a more serious conviction.
You could argue the point if your insurer tapes calls but its tough to argue against if they haven't told you that you have the DOC extension and its not in your documentation.
Insurers will ask for 5 yrs. The loading they attach to your insurance should drop year on year.

Quentin

Doc cover wouldn't have helped ( it only gives you third party cover)

It looks like the OP wrongly thought they were named driver on partners car

Reardoa

DOC covers you to drive the other car TPO. It doesn't help in a fault claim circumstance but does mean you wont get points for no insurance.

Aretnap

A fixed penalty fro driving without insurance is six points and £300 - there is no provision for you to be issued with 3 points. So if you think that you got 3 points for it then ether you are misremembering, or else someone from the police messed up and sent you a fixed penalty for speeding (or something else) rather than for driving without insurance.

The details of the conviction are no longer recorded physically on your licence, but the DVLA hold the record electronically. You can check it here

https://www.gov.uk/view-driving-licence

and see what your conviction is actually recorded as.

anotheruser

Okay, thanks all.

Like I say, we're happy to admit fault but at the same time, it's obvious it wasn't on purpose. Shame we now have the punishment of those who drive around knowing they're not insured.

Comms69

Regardless of insurance, if the other part was at fault, you could claim from them

FlameCloud

anotheruser wrote: »

Okay, thanks all.

Like I say, we're happy to admit fault but at the same time, it's obvious it wasn't on purpose. Shame we now have the punishment of those who drive around knowing they're not insured.

Or alternatively those driving around negligently not checking the cover they actually have?