POINTS ON LICENCE
Discussion
nspasser said:
why do insurance companies think that they are above the law by keeping the points for 5 years
I wondered this and was advised that you don't have to tell them. If you tell them that you can give info for any endorsements still "valid" but any others you may or may not have, you do not have to legally inform them of........something along those lines anyway. But, how keen are they gonna be to give you insurance ?
There's nothing unlawful about asking for details of expired points. Much in the way that they ask for details of accidents which you're not still having.
Points don't make much of a difference to insurance any more. Not disclosing details will void your policy, and they're not obliged to tell you that it's been voided, or to give you any money back.
Points don't make much of a difference to insurance any more. Not disclosing details will void your policy, and they're not obliged to tell you that it's been voided, or to give you any money back.
gh0st said:
They can! thats how I got my IN10 conviction years ago
Jeez, that's bang out of order!
So, they can cancel a policy, and not tell you, and *you're* legally responsible for, presumably, not checking with them (daily? hourly?) that they didn't cancel it.
A mate got points and a fine for riding a go-ped. Aparently he was driving a vehicle without suitable supervision (he only has a provisional *bike* license as part of his *full* car license), and also driving without insurance.
Every insurance company he called to get quotes said things like "don't be silly, it's a toy".....
Insurance companies == bunch of crooks
[/HiJack] (sorry)....
kdd said:
They can! thats how I got my IN10 conviction years ago
Jeez, that's bang out of order!
So, they can cancel a policy, and not tell you, and *you're* legally responsible for, presumably, not checking with them (daily? hourly?) that they didn't cancel it.
A mate got points and a fine for riding a go-ped. Aparently he was driving a vehicle without suitable supervision (he only has a provisional *bike* license as part of his *full* car license), and also driving without insurance.
Every insurance company he called to get quotes said things like "don't be silly, it's a toy".....
Insurance companies == bunch of crooks
[/HiJack] (sorry)....
Yup totally.
Im not going to bore you with the whole story but I had an accident and found out that my insurance had expired less than 2 days before it.
They said they had sent a letter but I never got one and no one ever phoned me. I thought it expired 2 weeks ahead.
Anyway when I phoned them to tell them of the accident they said I wasnt covered and even though I had been with them for 3 years with NO ACCIDENTS, CLAIMS OR CONVICTIONS!!!!! they refused to cover it. ITS WAS ONLY A SCRATCH ON THE DOOR FFS! IT WOULD HAVE COST THEM 1/50th of what I had paid them over the time I had the policy!
Suffice to say they will never be getting my business again.
Court appearence + £130 fine (the judge couldnt believe it either! should have been £500 - 1000!) and 6 points, license revoked as only held full license for 1 year and 11 months and hey ho wibbledy wooo another road user f**ked off with the system.
Gh0st.
Please correct me if I'm wrong but expired sounds different to cancelled to me...
If I crash my car 'minutes' after my insurance has expired. It's my fault not the insurance companies.... OK a renewal may be late, but it is still your responsibility.
PLus, if you don't declare mods, they don't pay out - seems fair.
Plus tyre defects, big cause of accident, if you had low pressures, tyre defects and ghave a crash, WHY SHOULD they pay out.
LEAVE the car on the drive keys in engine running, same again.
B
>> Edited by bjwoods on Wednesday 3rd December 13:21
>> Edited by bjwoods on Wednesday 3rd December 13:22
If I crash my car 'minutes' after my insurance has expired. It's my fault not the insurance companies.... OK a renewal may be late, but it is still your responsibility.
PLus, if you don't declare mods, they don't pay out - seems fair.
Plus tyre defects, big cause of accident, if you had low pressures, tyre defects and ghave a crash, WHY SHOULD they pay out.
LEAVE the car on the drive keys in engine running, same again.
B
>> Edited by bjwoods on Wednesday 3rd December 13:21
>> Edited by bjwoods on Wednesday 3rd December 13:22
A few years ago, I kindly phoned my insurance company to tell them I'd fitted an uprated turbo to my car - they cancelled my insurance, but at least gave me 2 weeks notice and gave me my money back - that's the way it should happen!
Also, once had a modified car, all mods declared to the insurance co, with no problems, and when I totalled it, they paid for all the mods and also an extra £1000 because the car was in "such immaculate condition" - not all insurance assesors are theifs
Also, once had a modified car, all mods declared to the insurance co, with no problems, and when I totalled it, they paid for all the mods and also an extra £1000 because the car was in "such immaculate condition" - not all insurance assesors are theifs
It's always been the same. The points only count for 3 years for the purposes of totting but stay on your licence for 4.
An Excess Alcohol conviction is only effective for the period of the ban but two Excess Alcohols in ten years make the minimum ban 3 years rather than 1 year
If it's any consolation, a Court can get a printout of your driving history from the DVLA which will have every point you've ever earned on it. Although they may not count for the purposes of disqualification, a Court can consider them in terms of the number of previous incidents to determine the level of punishment. They generally won't do this if you send your licence in.
An Excess Alcohol conviction is only effective for the period of the ban but two Excess Alcohols in ten years make the minimum ban 3 years rather than 1 year
If it's any consolation, a Court can get a printout of your driving history from the DVLA which will have every point you've ever earned on it. Although they may not count for the purposes of disqualification, a Court can consider them in terms of the number of previous incidents to determine the level of punishment. They generally won't do this if you send your licence in.
A court may be able to do this, I dont doubt it and have no argument against it. The question is, do insurance companies have the same access? If they do, it can only be to raise the premium. They may say that as you have more points you are more of a liability. What im saying is , its the legal authorities who have the right and powers to punish us, not insurance companies. when you commit an offence, you are punished twice in the form of a fine and points. They should have no acces to anyones history so that they can punish them for a third time, which they may be able to keep doing for up to 5 years 
The Admiral said:
A few years ago, I kindly phoned my insurance company to tell them I'd fitted an uprated turbo to my car - they cancelled my insurance, but at least gave me 2 weeks notice and gave me my money back - that's the way it should happen!
Also, once had a modified car, all mods declared to the insurance co, with no problems, and when I totalled it, they paid for all the mods and also an extra £1000 because the car was in "such immaculate condition" - not all insurance assesors are theifs
I have just re-insured with carol nash on the porsche i mention them, because as I went down my mods list with them (took 10 mins to go through all details of all mods) they understood the mods knew why they had been done (cost effective vs OPC parts etc) better handling, etc etc and at the end of it, they reduced the quote because the car was improved by the mods etc gave me an agreed value and total price was £215 fully comp for the year remember folks CAROLE NASH
Just to clear up a few things
Your points stay on your license for 4 years, but only count for totting up purposes for 3 years.
HOWEVER insurance companies can ask for up to 5 years worth of offences as they are legally allowed to do so under the rehabilitation of offenders act.
Once past 5 years, you can legally deny having had any offences even if they ask you specific questions pertaining to them.
If you have had an offence in the past 5 years, yet answered 'no' when asked by your insurance company whether you have had any offecnes in the past 5 years, then you are not insured. It's not a matter them cancelling a policy without telling you, you don't have a policy in the first place as you have commited fraud.
Here endeth the lesson
>> Edited by trooper1212 on Tuesday 16th December 22:45
Your points stay on your license for 4 years, but only count for totting up purposes for 3 years.
HOWEVER insurance companies can ask for up to 5 years worth of offences as they are legally allowed to do so under the rehabilitation of offenders act.
Once past 5 years, you can legally deny having had any offences even if they ask you specific questions pertaining to them.
If you have had an offence in the past 5 years, yet answered 'no' when asked by your insurance company whether you have had any offecnes in the past 5 years, then you are not insured. It's not a matter them cancelling a policy without telling you, you don't have a policy in the first place as you have commited fraud.
Here endeth the lesson
>> Edited by trooper1212 on Tuesday 16th December 22:45
gh0st said:
Court appearence + £130 fine (the judge couldnt believe it either! should have been £500 - 1000!) and 6 points, license revoked as only held full license for 1 year and 11 months and hey ho wibbledy wooo another road user f**ked off with the system.
Gh0st.
Ah this really pisses me off - correct me if I am wrong here, but you arent a member of the landed gentry in the south west, right? So to be landed with a combination of the fines, loss of license and points has affected you badly financially.....
Yet we hear of a Newcastle United footie player who gets a £2000 fine for speeding at over 100 on a provisional license (and hence invalid insurance if any at all)..... £2000 for him is probably a days pay....no other issues and a nice pat on the back from the UK justice system saying "thanks for that and dont do it again please"....
Its sickening that its one rule for us and one for everyone else. Just goes to add to the old saying of "money can buy you justice".....
Our justice system is
ed and it penalises the wrong people and lets off others....what is going wrong?Gassing Station | General Gassing [Archive] | Top of Page | What's New | My Stuff