insurance company wants to know about my penalty points?

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sanfairyanne
sanfairyanne Posts: 165 Forumite
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edited 16 May 2021 at 6:04PM in Motoring
Back in late 2016 I hired one and got a speeding fine, I was a few miles an hour over a 30mph limit. Anyway the 3 points expired from my license after - I believe - 3 years. Trouble is I'm now looking at buying a car and I am being asked for the precise date i got the points. I can only estimate this, I don't know to the day. Is there any way I can find this out? Incidentally, when I tried here https://www.viewdrivingrecord.service.gov.uk/driving-record I am told:

0 current penalty points

As I say though, the insurance company wants records for 5 years.
Many thanks in advance
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  • Car_54
    Car_54 Posts: 8,246 Forumite
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    Since the points have expired, I don't see why the insurer would need to know the exact day. Have you tried phoning them?
  • JGB1955
    JGB1955 Posts: 3,511 Forumite
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    What does your driving record say?  Most companies want to know about claims/penalties from the last 5 years.
    #2 Saving for Christmas 2024 - £1 a day challenge. £325 of £366
  • Grumpy_chap
    Grumpy_chap Posts: 15,019 Forumite
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    Insurance does seem to ask about things for 5 years. 
    Given this was a hire car, can you estimate the date by recalling the purpose of hiring the car? Was it holiday or special occasion that you can pin down to the month, for example?
    If that was more than 5 years, then you can honestly answer the question about any "events" in five years as "none".
  • Sandtree
    Sandtree Posts: 10,628 Forumite
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    Car_54 said:
    Since the points have expired, I don't see why the insurer would need to know the exact day. Have you tried phoning them?
    Because under the Rehabilitation of Offenders Act the offence is declarable for 5 years from the date of conviction or date of issue for a FPN. Insurers approach it from its criminal offence perspective.
  • Car_54
    Car_54 Posts: 8,246 Forumite
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    Sandtree said:
    Car_54 said:
    Since the points have expired, I don't see why the insurer would need to know the exact day. Have you tried phoning them?
    Because under the Rehabilitation of Offenders Act the offence is declarable for 5 years from the date of conviction or date of issue for a FPN. Insurers approach it from its criminal offence perspective.

    Sandtree said:
    Car_54 said:
    Since the points have expired, I don't see why the insurer would need to know the exact day. Have you tried phoning them?
    Because under the Rehabilitation of Offenders Act the offence is declarable for 5 years from the date of conviction or date of issue for a FPN. Insurers approach it from its criminal offence perspective.
    Yes, and the OP has said it's within 5 years. Is there any reason why the insurer would need to know the exact date?

  • Grumpy_chap
    Grumpy_chap Posts: 15,019 Forumite
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    Car_54 said:
    Yes, and the OP has said it's within 5 years. Is there any reason why the insurer would need to know the exact date?

    Maybe because the OP said the event was in 2016.  Depending on the exact date, that may be passed the 5-year mark so no difference any longer.
  • Car_54
    Car_54 Posts: 8,246 Forumite
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    Car_54 said:
    Yes, and the OP has said it's within 5 years. Is there any reason why the insurer would need to know the exact date?

    Maybe because the OP said the event was in 2016.  Depending on the exact date, that may be passed the 5-year mark so no difference any longer.
    No, he said it was "late" 2016.

  • Jfk1988
    Jfk1988 Posts: 33 Forumite
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    If you phone the dvla (or whatever they're called these days) they can tell you about points that have disappeared off your online account. 
  • Sandtree
    Sandtree Posts: 10,628 Forumite
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    Car_54 said:
    Yes, and the OP has said it's within 5 years. Is there any reason why the insurer would need to know the exact date?
    Firstly so they know when it drops off

    Secondly, insurers write their policies on trust that the customers are making honest declarations (though as time goes on more becomes digitally checkable) and instinctively the fact that someone cannot remember when they got a criminal conviction is a worrying sign. What else are they possibly forgetting or a little blurry on the dates of etc? 
  • NewLeaf1986
    NewLeaf1986 Posts: 168 Forumite
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    edited 17 May 2021 at 10:21AM
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    They need to know the date as the impact it has on your premium decreases with the age of offences. 

    Their systems do not support inputting of approximate dates, and dates must reflect a true representation of the facts.

    Previous insurance policies of yours should have a record of when the offence took place as you will have had to declare it on every renewal since the offence. 
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