Not declaring points to insurance
26-01-2010, 03:20 PM
#1
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Not declaring points to insurance
I have allways wonderd what would happen if i got 6 points and didn't declare them to insurance.
If i didnt declare 6 points to insurance, how likely would you be to get caught?
Can insurance companies check?
And what if i was pulled by the 5-0? could they check there and then?
I know if i was in a crash i'd be buggerd.
If i didnt declare 6 points to insurance, how likely would you be to get caught?
Can insurance companies check?
And what if i was pulled by the 5-0? could they check there and then?
I know if i was in a crash i'd be buggerd.
26-01-2010, 03:26 PM
#2
sideways all the way!
i never declared 6 a few years ago because i was close to renewal time,i got stopped 3times and produced,sat in copshop shitting my pants 3 times,nothing happened,but i drove for a living so declared them,never put my insurance up or owt,then charged me 20quid for adress change! but long boring story short,declare them,not worth the hassle of getting your insurance voided if you get caught or have a big accident.
26-01-2010, 03:26 PM
#3
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I think if you were found out it would be classed as not giving correct info there for NO INSURANCE. Dont know how your insurance could find out tho unless you needed to claim.
26-01-2010, 03:32 PM
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Yeah i would know that, but would the insurance company inform the 5-0 etc?
And if i was stopped and checked and the police found out, then what punishment would someone face?
And if i was stopped and checked and the police found out, then what punishment would someone face?
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26-01-2010, 03:38 PM
#9
sideways all the way!
when you used to go to a police station to produce your documents they used to ring your insurance to check you were insured i.e you wernt just showing a certificate when you had cancelled the policy,police do everything over the radio now so i reckon they could find out there and then,either way i expect you'd get points and a fine and arse raped next time you insure a car.
26-01-2010, 03:43 PM
#13
Professional Waffler
It would invalidate your insurance so in the event of getting found out or having a prang and having the policy declared void you would cop a further 6 points for no insurance.
In short, not declaring your points is a bit stupid to say the least
In short, not declaring your points is a bit stupid to say the least
26-01-2010, 05:27 PM
#15
PassionFord Post Whore!!
when you used to go to a police station to produce your documents they used to ring your insurance to check you were insured i.e you wernt just showing a certificate when you had cancelled the policy,police do everything over the radio now so i reckon they could find out there and then,either way i expect you'd get points and a fine and arse raped next time you insure a car.
26-01-2010, 05:53 PM
#18
Too many posts.. I need a life!!
Why bother lying to them if the worst should happen it would probably cost you more in the long term than the increased premiums. it sometime dont cost you lots more anyway. I got a 40 day ban and that cost me an extra £100 for the year this was for 3 years. so it just isnt worth it imo.
26-01-2010, 06:14 PM
#20
why would they pay out on the 3rd party?
The 3rd party would come and see you for the money as you are an UNINSURED driver...
Theres no two ways about lying about points on youre license is not good!
An ex friend of mine is paying off £70,000 for an accident on his moped where he ran into someone on a zebra crossing and he had 3 points.
Insuarance threw it back to him saying he had invalidated his insurance as they was not told about the points.
he went to court
LOST
And now he pays it monthly up until last time i spoke to him anyway.
The 3rd party would come and see you for the money as you are an UNINSURED driver...
Theres no two ways about lying about points on youre license is not good!
An ex friend of mine is paying off £70,000 for an accident on his moped where he ran into someone on a zebra crossing and he had 3 points.
Insuarance threw it back to him saying he had invalidated his insurance as they was not told about the points.
he went to court
LOST
And now he pays it monthly up until last time i spoke to him anyway.
Last edited by Ebonycossie4x4; 26-01-2010 at 06:16 PM.
26-01-2010, 07:07 PM
#21
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Missing out any material fact to your insurers would result in the policy being deemed void. Perfect, as insurance companies don't really like to pay out most of the time.
Being stopped by a regular response officer means you probably go undetected as an uninsured driver. It would be a different story I'd imagine if a traffic cop gets a whiff of anything suspicious.
I guarantee you'd get found out if you have an accident.
If you get stopped at the side of the road for no insurance - for example here in Sussex, it's likely to result in an FPN for 6 points & a £200 fine. Plus, your car will most likely be seized, and you'll have to pay a sizeable chunk of money to eventually get it back.
Insurance companies don't like uninsured drivers. It's only a spiral down towards disqualifaction....
Being stopped by a regular response officer means you probably go undetected as an uninsured driver. It would be a different story I'd imagine if a traffic cop gets a whiff of anything suspicious.
I guarantee you'd get found out if you have an accident.
If you get stopped at the side of the road for no insurance - for example here in Sussex, it's likely to result in an FPN for 6 points & a £200 fine. Plus, your car will most likely be seized, and you'll have to pay a sizeable chunk of money to eventually get it back.
Insurance companies don't like uninsured drivers. It's only a spiral down towards disqualifaction....
26-01-2010, 07:19 PM
#22
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Jason
26-01-2010, 07:21 PM
#23
agreed with elwood
i had my skyline seized because i said i owned the car when i got out of it and not my company as i had traders insurance.
Apparently if i own the car then my Traders policy is invalidated as its insuring me working for the company driving a car owned by the company.
I did then and i still fell it was an absoloubt Joke...
Another reason why essex police are a bunch of tossers...
Insurance is a very fine lined thing i think so its best to be 100% legit... Better in the long run beleive me
i had my skyline seized because i said i owned the car when i got out of it and not my company as i had traders insurance.
Apparently if i own the car then my Traders policy is invalidated as its insuring me working for the company driving a car owned by the company.
I did then and i still fell it was an absoloubt Joke...
Another reason why essex police are a bunch of tossers...
Insurance is a very fine lined thing i think so its best to be 100% legit... Better in the long run beleive me
26-01-2010, 08:03 PM
#25
Too many posts.. I need a life!!
i had 6 points for speeding rang insurance told em they said it wouldnt make no change and everybody gets caught speeding the only time they will put it up is if i start jumping red lights
27-01-2010, 10:12 AM
#26
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If you make a claim without declaring points, the claim will be void. When you claim, insurance companies useually have a confrence call with you, the insurance, and the dvla. They ask you about your past driving history, then the dvla confirm what you have said. Or not as the case may be 
27-01-2010, 10:28 AM
#28
ok, so you don't declare them
you get insured
you have a prang
they ask to see your license
they see that you have points on it
that wern't disclosed at the time you took out the policy
they send you a letter telling you no insurance
you foot the bill
you get done for no insurance
you get poitns for no insurance
you may get a criminal record for the accident
the next time you go to apply for any sort of insurance, they will not only ask you about any previous times you've been declined insruance, but they'll also know if you are lying
so between paying out an extra couple of quid or saving a few bob and hoping, i'd rather pay
you get insured
you have a prang
they ask to see your license
they see that you have points on it
that wern't disclosed at the time you took out the policy
they send you a letter telling you no insurance
you foot the bill
you get done for no insurance
you get poitns for no insurance
you may get a criminal record for the accident
the next time you go to apply for any sort of insurance, they will not only ask you about any previous times you've been declined insruance, but they'll also know if you are lying
so between paying out an extra couple of quid or saving a few bob and hoping, i'd rather pay
27-01-2010, 10:32 AM
#29
Well to put it clearly, if they found out after you'd made a claim then it would invalidate your insurance. Insurance companies, like any business are pretty smart, yoou think they'll pay out to one measley customer because he never told them he had points and a ban or whatever??? if they can get away without paying, they will. At the end of the day, they're a business, not a charity, so they won't go dishing out cash if they don't have to.
The question is, is it worth it, and what is the likelyhood of getting caught????
Well........ I will freely admit i did this for a long time (4years), but at the end of 08' i bought a new car, and got the cossie back on the road, so i decided it was time to do it right, be mature about it and not have the worry of having a claim rejected, god forbid i had an accident and it wasn't just the car that got damaged. So now i have declared everything, but as of 17 days ago i now have a completely clean licence.
What i found was that it only cost me about £70 more, and put my mind at rest, surely thats a small price to pay??? Agreed it was a foolish thing to do, and now i wouldn't really advise it to anyone, it can only be something that you will regret if it doesn't work out.
The question is, is it worth it, and what is the likelyhood of getting caught????
Well........ I will freely admit i did this for a long time (4years), but at the end of 08' i bought a new car, and got the cossie back on the road, so i decided it was time to do it right, be mature about it and not have the worry of having a claim rejected, god forbid i had an accident and it wasn't just the car that got damaged. So now i have declared everything, but as of 17 days ago i now have a completely clean licence.
What i found was that it only cost me about £70 more, and put my mind at rest, surely thats a small price to pay??? Agreed it was a foolish thing to do, and now i wouldn't really advise it to anyone, it can only be something that you will regret if it doesn't work out.
27-01-2010, 10:46 AM
#30
BANNED
BANNED
i know i shouldnt of but i had 9 points for 4 years i never declared them luckily there not on my liscence now but had 6 for no insurance back in 2003 and got another 3 for going through a no entry sign in front of a traffic car which the cop said to me if you can get away with it dont declare them
now the bad part when my insurance compant used to ask for a copy of my liscence all i used to do was photoshop it print it out and send the copy to them naughty i know but nothing ever came of it
now the bad part when my insurance compant used to ask for a copy of my liscence all i used to do was photoshop it print it out and send the copy to them naughty i know but nothing ever came of it
27-01-2010, 12:20 PM
#32
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Bell state that you dont need to declare points till renewal, but i would any way just to be safe.
The hassel it could cause if they said your insurance was void isnt wortth it. Do a quote online and see how much the points bump up your insurance.
27-01-2010, 11:21 PM
#33
PassionFord Post Whore!!
If your job involves driving at all (in your own car on business or in a company vehicle) and your employer do routine licence checks direct with DVLA (because no-one believes what the actual licence shows nowadays) the points will appear on the print-out they receive.
If your employer then shares that data with their insurer, that insurer may just share it with your insurer.
Data sharing is all very common-place now and your policy application will state that insurers have the right to do this.
If your employer then shares that data with their insurer, that insurer may just share it with your insurer.
Data sharing is all very common-place now and your policy application will state that insurers have the right to do this.
28-01-2010, 01:03 AM
#34
PassionFord Post Whore!!
Exactly what i was wondering. Don't be a twat, just own up, it might not even make a difference and at least you'll know you're in the clear if you need to make a claim (or anyone makes a claim against you).
28-01-2010, 06:36 AM
#35
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28-01-2010, 10:08 AM
#36
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As above you void your insurance.. in fact when you phone ANY insurance company they will run through the legal disclaimer.... If you do not declare mods , points, bans , convictions you policy will be void
28-01-2010, 11:31 AM
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Well to put it clearly, if they found out after you'd made a claim then it would invalidate your insurance. Insurance companies, like any business are pretty smart, yoou think they'll pay out to one measley customer because he never told them he had points and a ban or whatever??? if they can get away without paying, they will. At the end of the day, they're a business, not a charity, so they won't go dishing out cash if they don't have to.
The question is, is it worth it, and what is the likelyhood of getting caught????
Well........ I will freely admit i did this for a long time (4years), but at the end of 08' i bought a new car, and got the cossie back on the road, so i decided it was time to do it right, be mature about it and not have the worry of having a claim rejected, god forbid i had an accident and it wasn't just the car that got damaged. So now i have declared everything, but as of 17 days ago i now have a completely clean licence.
What i found was that it only cost me about £70 more, and put my mind at rest, surely thats a small price to pay??? Agreed it was a foolish thing to do, and now i wouldn't really advise it to anyone, it can only be something that you will regret if it doesn't work out.
The question is, is it worth it, and what is the likelyhood of getting caught????
Well........ I will freely admit i did this for a long time (4years), but at the end of 08' i bought a new car, and got the cossie back on the road, so i decided it was time to do it right, be mature about it and not have the worry of having a claim rejected, god forbid i had an accident and it wasn't just the car that got damaged. So now i have declared everything, but as of 17 days ago i now have a completely clean licence.
What i found was that it only cost me about £70 more, and put my mind at rest, surely thats a small price to pay??? Agreed it was a foolish thing to do, and now i wouldn't really advise it to anyone, it can only be something that you will regret if it doesn't work out.
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