Drink driving and insurance

Begsey

glentoran99 wrote: »

His insurance has already paid out on a write off so is no longer in effect to be cancelled

Had 2 write offs in recent years, had a month to get another car and continue the policy on both occasions.
First time we cancelled the policy ourselves after the month was up, second one the car was replaced within the month.
I fully expected the policys to have done what they were bought for, and be considered finished.

AndyMc.....

George_Michael wrote: »

The chance of the insurer finding out will only be slim if the OP's friend lies when taking out the new policy and thus commits fraud.

Do you think insurance companies routinely check polices they have paid out on 12 months ago against new policies added to the database by other companies?

shaun_from_Africa

onomatopoeia99 wrote: »

He would only have to tell a new insurer about the conviction if (a) they ask and (b) the conviction is not spent. He would have to tell them about the accident + claim if (a) they ask and (b) it happened within the timeframe they ask about.

Both of which it's 100% guaranteed that any motor insurer will ask about when taking out a policy.

George_Michael

AndyMc..... wrote: »

Do you think insurance companies routinely check polices they have paid out on 12 months ago against new policies added to the database by other companies?

Who knows?
Even though there has been a payout on the claim, the old insurer can't totally close the paperwork for 5 years just in case an injury claim is attempted during this time.
When the new insurer carries out an insurance database search on the OP's friend, and it picks up the accident, who can say for certain that this won't raise any flags on the old insurers systems if they have an automated program to advise them of this search.

However slight the chances of this happening are, you must think that the possibility is still there otherwise why state that "Even then the chances are slim" rather than saying that it's impossible for it to happen?

AndyMc.....

George_Michael wrote: »

Who knows?
Even though there has been a payout on the claim, the old insurer can't totally close the paperwork for 5 years just in case an injury claim is attempted during this time.
When the new insurer carries out an insurance database search on the OP's friend, and it picks up the accident, who can say for certain that this won't raise any flags on the old insurers systems if they have an automated program to advise them of this search.

However slight the chances of this happening are, you must think that the possibility is still there otherwise why state that "Even then the chances are slim" rather than saying that it's impossible for it to happen?

I think it’s highly unlikely.

Car_54

George_Michael wrote: »

Who knows?
Even though there has been a payout on the claim, the old insurer can't totally close the paperwork for 5 years just in case an injury claim is attempted during this time.

The time limit for personal injury claims is three years.

Nasqueron

onomatopoeia99 wrote: »

He would only have to tell a new insurer about the conviction if (a) they ask and (b) the conviction is not spent. He would have to tell them about the accident + claim if (a) they ask and (b) it happened within the timeframe they ask about. Since the consumer contracts of insurance regulations a few years ago, uberrimae fidei and the legal precedent in Carter v Boehm no longer applies in consumer insurance contracts like private individuals taking out car insurance.

EVERY insurer asks about accidents in the past x years (usually 3, sometimes 5) and convictions.


Regardless of what cases and latin you want to use, the fact is OP (sorry, OP's friend) will either have to tell the new insurer about the accident and the conviction or lie about it and hope they don't get found out and as and when they do, their policy will be cancelled and they will have to declare this on top of the first 2 issues.



Obviously as AndyMC..... is implying, you could just lie to the insurer about the accident not happening and not having a conviction but normal honest people would not risk that

facade

Car_54 wrote: »

The time limit for personal injury claims is three years.

From when the injury became apparent, or was linked to the accident.

You could be having pains or blackouts or something for years until a specialist has a lightbulb moment and asks about any car accidents, and you have 3 years from then.

Car_54

facade wrote: »

From when the injury became apparent, or was linked to the accident.

You could be having pains or blackouts or something for years until a specialist has a lightbulb moment and asks about any car accidents, and you have 3 years from then.

Fair point, thanks.

AndyMc.....

Nasqueron wrote: »

EVERY insurer asks about accidents in the past x years (usually 3, sometimes 5) and convictions.


Regardless of what cases and latin you want to use, the fact is OP (sorry, OP's friend) will either have to tell the new insurer about the accident and the conviction or lie about it and hope they don't get found out and as and when they do, their policy will be cancelled and they will have to declare this on top of the first 2 issues.



Obviously as AndyMC..... is implying, you could just lie to the insurer about the accident not happening and not having a conviction but normal honest people would not risk that

I’m not saying anything about lying.

He has a claim in one month and a conviction the next.

Do you think his insurance company will check every new policy taken out in a year plus time in case one of their previous clients was convicted of excess alcohol?