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

[inameeting]

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!

As far as I know, dp will have been totally honest with his own insurers - he's not a dishonest type - just a bit disorganised. He told them when he went over his annual milage allowance for instance. I've just been looking through all his insurance paperwork and can't find anything pertaining to any conviction at all though.

Hercules - We haven't made a claim for over 3 years and that is accounted for in my insurance details. All three cars were written off.

I mean the accident I claimed for over 3 years ago is detailed - they know all about it, and it was before my fixed penalty last year.

When I worked in car insurance you had to declare any incidents that you could have claimed for even if you didnt. Of course that is impossible for them to know if there were no other insurance companies involved.

There should be a section somewhere.

He should go through his companies insurance so you keep your no claims. THat said, I cant remember if it affects your no claims if he is a named driver.

yes it does affect the claim if hes a named driver unfortunately cos hes on YOUR policy as i used to work for a motor claims depts.. the only way that the insurance company would find out if you tell them.

if you DO tell them, it will deffo put your claim on hold till they

1. update your policy and possibly will get any outstanding premiums money off you there and then (it usually took us up to a week to sort out the policy and it be alot slower now cos its xmas season)

2. or they cancel your policy

as its the service dept job to do that bit not the claims dept

I seem to recall applying for dp's insurance myself and telling them of his points etc because I remember that I didn't tell about his points originally as they'd just asked me to declare any "convictions" he'd had and I didn't realise points were convictions, and I asked them if they wanted to know about his points. So hopefully his insurance is valid. And double hopefully he will be able to claim from them.

Thing is, when I spoke to my insurers this morning , they said they had to sort it out themselves as it was my vehicle.

oh.. yes the named driver will affect the no claims (or unless its protected?) as named driver was driving YOUR car on YOUR policy

Big lips - really? they wouldn't know if we didn't declare? I've never knowingly done anything dishonest like this, but I'd like to know the full picture.

I don't care about my no claims at this stage - I've kissed goodbye to it already

BUT if you do get found out - you'll be in trouble as claims dept people arent daft!

it might not be as bad as you think if you do tell tehm, but i cant tell you what will happen as i dont know but the claim will deffo be on hold and also with the other Third parties too till your policy becoem valid again (or not!)

Insurance companies arent daft and it may well go to loss adjusters if it's a large claim. If you lie then you are committing fraud which of course is serious. The trouble is you and your dh have already done that and saying you didnt realise wouldnt be an excuse.

Honesty now is really the best policy.

After giving it some thought there's no way I can be dishonest - we're going through a stressful enough time with ds as it is without having the possible repercussions of this hanging over me.

good luck!

if it is only 3 points for a minor incident (speeding etc) it wont matter too much.

used to work in insurance, and we had this ALL the time.

Thanks Biglips!

Jarm - what about dp's 6 points though? I don't know why they don't show up on the schedule - there's no way I would have not told my insurance company about those if they had asked?

This is my sugestion and probably bears no relevance but, when filling in the form say yes to the question about points etc... if it is mentioned to you about it being different to the actual answers stated on the policy..

for example Quote: 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"

Blame it on an admin error on there part and swear blind that you had told them.

either way they cant proove you hadn't.??? maybe a little dishonnest and maybe a bit ileagal but means you may just still be covered.

I really really think that you should just tell them about the points and you have no one to blame but yourself (and DH) for this. Sorry but thats how I see it.

P.S. Having 3 points will make hardly any difference to your premiums (DH has 6 and his has remained the same)but not telling them about the points in the first place gives them the right to cancel the policy all together.

if you are admant that that did not ask you that question.. then the service dept will look into it and (hopefully it was recorded too) it will go from there.. again the claim will be on hold for that too -average a week

You cant say that you told them as justification as a} the phonecall may well have been taped and b] more importantly it is your responsibility to check the contract once it is sent to you and to notify them of any omissions.

yep im with hercules

When I worked in car insurance sales every question came up on the computer and needed a yes or no answer etc so very difficult to prove they missed it.

Oh dear, it's not looking good really is it. I'm sure I wouldn't have lied to them about dp's points - what's the point? I just don't lie about anything. I know I was remiss in telling them about my 3 points - but my insurance was only just renewed - at the end of last month, (I didn't even look at it to be honest - dp deals with it) and I'm sure I would have got round to telling them. I'm just so rubbish at paperwork and form filling - I've only just sent off for ds's child benefit and he's 6 months old.