Driving License records to go online
Discussion
LoonR1 said:
VinceFox said:
Does this mean others can see your details?
Yes because like all online databases everyone can see everyone else's details. The DPA is not applicable to anything run by the Government. Go to the government gateway website and you'll be able to review all the tax returns etc that have been submitted ever. Go to askmid and you'll see everyone's car insurance details. eldar said:
agtlaw said:
Different issue. davepoth is the expert here on Rehab of Offenders Act. Generally, even if asked you don't need to disclose spent offences to an insurer.
That is true, 3 years for most less serious driving offences. However the endorsements stay on the licence for 5 years, so the spent offence is still visible...
I went with the insurance company named after a town where there was a famous battle. It took around three months before I managed to argue them into the ground on a point which is settled in law and in their own trade body's guidance.
The rehabilitation period that stands at the moment for most motoring offences is the fine, which has a period of five years. That's how they can ask about five years. The three years is how long speeding points stay on the licence.
For a drink driving offence, where the points stay on the licence for eleven years (I think) the ruling rehabilitation period is usually still the five years for a fine, and the rehabilitation period is king.
VinceFox said:
I'm just asking an honest question. I don't know how any of this stuff works.
Usernames and passwords have been around for a long time, they tend to be used to access any personal information. Like when you log in here, you use VinceFox and a password, that nobody but you and anyone you've shared it with knows.Do you bank online? Do you think everyone can see your bank accounts and balances and steal your money by simply logging onto www.vincefox'sbank.co.uk?
Government stuff tends to be even more secure with bizarre usernames too.
LoonR1 said:
VinceFox said:
I'm just asking an honest question. I don't know how any of this stuff works.
Usernames and passwords have been around for a long time, they tend to be used to access any personal information. Like when you log in here, you use VinceFox and a password, that nobody but you and anyone you've shared it with knows.Do you bank online? Do you think everyone can see your bank accounts and balances and steal your money by simply logging onto www.vincefox'sbank.co.uk?
Government stuff tends to be even more secure with bizarre usernames too.
I use paypal, grudgingly.
LoonR1 said:
VinceFox said:
I do hope so. I dont bank online actually, i have very little trust in that sort of stuff. Bit of a luddite i'm afraid.
I use paypal, grudgingly.
And do you think everyone can look at and access your paypal account?I use paypal, grudgingly.
LoonR1 said:
Dr Jekyll said:
LoonR1 said:
Insurance companies are not penalising you for committing an offence directly. they are charging more due to the evidential and experiential increase in risk from some or all offences. Not long ago a single SP30 on a licence meant £0 increase in premium.
If people choose not to declare then they run the risk of a voi policy come claim time.
Even if spent?If people choose not to declare then they run the risk of a voi policy come claim time.
Let me put it this way. Does the rehabilitation of offenders act (basically meaning fines > 5 years old don't count) apply to insurance companies?
Dr Jekyll said:
How on earth am I connecting dots that don't exist? I'm not asking about risk.
Let me put it this way. Does the rehabilitation of offenders act (basically meaning fines > 5 years old don't count) apply to insurance companies?
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/25/25-disclosure-of-spent-motoring-convictions.htmLet me put it this way. Does the rehabilitation of offenders act (basically meaning fines > 5 years old don't count) apply to insurance companies?
Let's start from first principles.
At present there is no need to DISCLOSE fines over 5 years old. Irrespective of what they might say about risk.
Therefore spent convictions are not taken into account when calculating premiums.
The question is, will insurance companies be able to see spent convictions and therefore take them into account.
At present there is no need to DISCLOSE fines over 5 years old. Irrespective of what they might say about risk.
Therefore spent convictions are not taken into account when calculating premiums.
The question is, will insurance companies be able to see spent convictions and therefore take them into account.
Dr Jekyll said:
How on earth am I connecting dots that don't exist? I'm not asking about risk.
Let me put it this way. Does the rehabilitation of offenders act (basically meaning fines > 5 years old don't count) apply to insurance companies?
Because insurers want to know if you're a risk or not to price appropriately. If you have a load of convictions within the period they ask about then you are considered a higher risk than those with fewer or none. They won't see details of convictions that are not on your licence. Let me put it this way. Does the rehabilitation of offenders act (basically meaning fines > 5 years old don't count) apply to insurance companies?
LoonR1 said:
Because insurers want to know if you're a risk or not to price appropriately. If you have a load of convictions within the period they ask about then you are considered a higher risk than those with fewer or none. They won't see details of convictions that are not on your licence.
What about spent drink driving convictions? On licence for 11 years, spent after 5. Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff