Active discussions

Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

Talk
Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Original poster

Please help!! I Didn't declare 3 points on license to insurers, now got to make a claim

59 replies

inameeting · 24/12/2005 13:47

aaarrgghh

Dp's just written off my car (plus 2 others). It's down to me to claim from my insurance. I'm sat here filling in the form and I've just realised that I didn't notify my insurers that I got 3 points on my licence over a year ago .

I'm at the point in the form where I have to say if I've had any points/convictions etc within the past 5 years.

What do I do?

Will this invalidate my insurance?

There's no way I could get away with not telling them is there?

S**t!

OP posts:
CriminalGenius · 24/12/2005 14:00

would they find out? i bet they don't check the police records.

hercules · 24/12/2005 14:02

I wouldnt go down that route as it is fraud and the reprecussions would not be worth it. I should think they will just deduct the difference in your premium from the claim.

IlanaK · 24/12/2005 14:02

If there is an accident (which I assume there was as so many cars written off?) then the police will have attended? They check the liscence of the person driving and write down all the details. If you were not driving, why would your liscence be relevant? I assume your dp was insured on your car?

knottedchest · 24/12/2005 14:03

Just to worn you, my car was written off and I had to send my actual driving license in where checks were made that it was accurate etc

I cant remember what its called but the insurance sent me a form to fill in and had to attach my license

hercules · 24/12/2005 14:03

Insurance companies do talk to each other as well if they are suspicious. It is really not worth lying to them.

WickedWinterWitch · 24/12/2005 14:05

I doubt they'll be bothered about 3 - when I had 3 I told them and they said it didn't affect my premium but that I was right to tell them. I bet it makes no difference to your claim, I'd tell them, be honest. Now 6 is a different matter, I know.

CriminalGenius · 24/12/2005 14:06

Was it your dp driving then? so your licence won't come into it as IlanaK has said?

hercules · 24/12/2005 14:07

I agree. 3 points is minor but if you don't fess up, it becomes more serious.

kiskidee · 24/12/2005 14:07

oh they just may when a big claim comes in. when I changed insurers recently i failed to declare an accident - it was not my fault - they contacted ME to declare it or the policy would be null and void. so yes, big brother does check up on us. no advice, sorry, but wishing you the best.

ladymuck · 24/12/2005 14:09

It depenmds on why you got your 3 points. Whe I had an SP30 it made little if any difference to my premium, but when it was an SP60 it made a huge difference.

I suspect if you have been with your insurers a while they will be pragmatic, and as said, will deduct your premium from your claim.

Original poster
inameeting · 24/12/2005 14:14

Oh POO! just looked really closely at my schedule and seen that they don't have details of dp's 2 fixed penalties either which amount to 6 points. He is a named driver. I'm sure they didn't ask me about him as I'd have definitely told them about those. I was just tardy about telling them about mine then forgot, whereas dp had the points before I went with them.

The accident was his fault (ran into a queue of stationary traffic) and my insurers are liable for all the vehicles, so it's going to be a pretty big claim.

OP posts:
Original poster
inameeting · 24/12/2005 14:15

Ladymuck - mine's an SP60

OP posts:
hercules · 24/12/2005 14:16

Sorry, but you took a huge risk not telling them. They could turn round and say you're not insured and you would be responsible for all damages.

Original poster
inameeting · 24/12/2005 14:18

I just can't believe they don't have details of dp's points! Not declaring that really is not something I would do on purpose. I'm stuffed aren't I?

OP posts:
hercules · 24/12/2005 14:19

They should have sent you out your schedule to check over. Is there a bit for you to include whether he has anything?

Original poster
inameeting · 24/12/2005 14:22

I honestly can't remember them asking for dp's details. There is no space on the schedule for adjustments - it's just a table of information they have, which I obviously didn't bother looking at. He pays for all the insurances, it was on an annual direct debit anyway, so I hardly paid it any attention at all.

OP posts:
hercules · 24/12/2005 14:25

What I mean is does it actually state he has no points or words to that effect?

Original poster
inameeting · 24/12/2005 14:29

It says; "Have you or any driver had any conviction or fixed penalty in connection with any motor vehicle or been disqualified from driving for any reason in the past 5 years, or is there any pending prosecution other than those listed?"

and in both my column and "driver 2", it says "none"

OP posts:
hercules · 24/12/2005 14:30

Just looked at my own policy and it states that on renewal you must declare any changes for any driver. If you dont it may affect your cover.

I used to be a loss adjuster (mainly for houseinsurance) and not insurers will not like it that you have not disclosed about either of you and would be within their rights to declare your insurance void. This information will also affect any future insurance if any other insurers investigate you.

They would probably have been okay with just 3 and you but you'd have to be lucky for them to forgive this.

DId you also have no claims discount?

hercules · 24/12/2005 14:31

We used to have lots of people complain about their claim as they never read their contract properly in the first place. Sorry, not sounding very positive I know.

Original poster
inameeting · 24/12/2005 14:31

yes -I had a no claims discount which I've just lost all of because of this accident

OP posts:
FestiveFrex · 24/12/2005 14:33

If your insurance is invalid, perhaps your dh's insurance will pick up the tab. I seem to recall you mentioned that he has his own comprehensive insurance, which usually covers the policyholder for all 3rd party damage when driving another vehicle. So you could claim on his insurance for the damage to the other vehicles and then just bear the brunt of the damage to your own vehicle.

Unfortunately,I think you will find that not declaring your own points nor those of your dh will invalidate your insurance entirely. You know how slippery these insurance companies can be even when you've done everything by the book. I can't see them coughing up with two separate failures to declare.

hercules · 24/12/2005 14:33

I assume then the past claims were done in your dp's name then.

hercules · 24/12/2005 14:35

Yes, if your dh has been honest with his comp cover then he would be covered under that.

hercules · 24/12/2005 14:45

Was there a lot of damage to the other cars?