Ca r insurance renewal screwed up

[Igiveup2027]

So I got 3 points November 2024. I completely forgot to declare them,
had renewal March 3rd 2025 and nothing was said I presumed they were added on.
had a accident in March 2025 and they paid for it as it was a write off.

I have got 3 points this October. Just had my renewal come through and found out none of the 6 points are on there.

So I am struggling to find cheap car insurance for my evoque. The renewal is coming in at £112 a month however this doesn’t include my points. So if I was to ask ageas to add my points is it likely the would ask for the claim money back from last year? Am I best off just accepting I will have to live companies and pay more. Where do I stand

How have you managed to get two sets of points? I mean that in itself shows you to be a poor decision maker whilst driving and therefore at greater risk for any insurance company. Added to that a car that is at high risk of theft and an accident thrown into the mix, yes, you have to declare all your points and accept your insurance premiums will be much larger.

It sounds like you need to start driving a bit better.

They only know about points if you declare them.

You got 'lucky' with the first claim but ultimately you have been committing insurance fraud since.

Don't buy an expensive car you can't afford to insure. And if you do buy one don't then drive recklessly, acrrue points and accidents and subsequently push your premiums up even further. Then commit insurance fraud on top of that.

I mean. Fuck me - pay up or sell up and get a Dacia

The first one I completely accepted i was caught speeding and I accept that it was wrong. I have been really careful. I got caught the second time on a road that has changed from 40 down to a 30. It’s not a road I often travel, and the signs was actually covered. There has been a whole
srgument with other locals about it( but they are refusing to stop the points.

the accident was reversing into a wall, it was a automatic car and I had just changed from
drivinf a manual for a few weeks and I mixed the pedals up.

I don’t live in an area considered high theft, I am down the south west.

my partners car insurance flagged up my new points before I had chance to declare them so thought my insurance would do the same, evidently not.
I have been driving 12 years. 10 NCD and a clear history up until the last 2 years but it seems to count for nothing

You’ve become high risk. The only way to reduce your costs is to change your vehicle. Get something that attracts less insurance cost. You can’t reduce the cost your own driver profile is attracting cause points are points. But you can reduce the cost associated with the car profile. Evogues are costly to insure, they’re high theft risk, costly to repair. That’s the only side of the equation you can change.
Also, risk profile is far more concise than just geographical. Certain streets, certain neighbourhoods are high theft risk. You may well be somewhere insurers consider high risk…especially with an evogue.

Your NCD and history do count for something, but picking up points counts against that. You will face increased premiums for a few years until the points expire. The accident also puts up your premium.

I'm afraid it is possible your insurer will want you to repay the money they paid out on your claim. You were required by law to inform your insurer of the penalty points and failed to do so.

Two things you need to do…

Sell your current car and get a very cheap second hand run around.

Take an Advanced Driver course.

oh, thirdly, start thriving very carefully.

Cross posted with @8TinyToeBeans with whom I agree. Two speeding offences and an accident in the last two years makes you high risk. It doesn't mean your previous NCD and clean record count for nothing. You would be an even higher risk if this had happened in your first two or three years of driving. But, from the insurance company's perspective, you are now more likely to make a claim. Add to that the fact that your car falls into a high insurance group and your premiums are going to be very high.

I have been driving 12 years. 10 NCD and a clear history up until the last 2 years but it seems to count for nothing

Well, they did until you picked up 6 points and crashed into a wall. Add to the pot insurance fraud and you are heading for uninsurable.

You drive a luxury vehicle which is going to be expensive to insure anyway. Add on 6 points and loss of NCD and your motoring is going to become eyewateringly costly.

You need to declare your points and the accident.

You're not going to get cheap car insurance, you’ve got 6 points and a recent claim. In your position I’d find a new insurer, declare the points and claim and pay the higher insurance. If you mention the points to your insurance company now you may have to re-pay the repair costs.

The onus is on the driver to declare points. That's why it is a question on the quotes sites (eg Go Compare). If you continue not to declare them, you might end up finding that your insurance is invalid when you need to make a claim. If you can't afford the renewal, change your car.

I would declare your points before they cancel your insurance because you haven’t declared everything to them.

You need to declare your points before your insurance is cancelled and you’re truly fucked for life.

Ooh tricky, the honest thing to do would be to contact your insurance company and declare them now, but I've no idea the impact that has on your claim - could they cancel your insurance policy and get you to pay it all back?? Or, you could cancel your insurance now and find a new company and declare the points. Interstingly, you said you live in a cheap insurance postcode, but I wouldn't class policy in excess of £1200 cheap!