stopped by police who tried to stich me up
Discussion
allergictocheese said:
NinjaPower said:
I think you are missing the point.
If an insurer tells you they will not do business with you unless you declare these things, then you need to declare them.
If you do not wish to do so, then simply find another insurer with different terms and conditions that suit you better.
Caveat: hopefully someone who works in insurance can assist with this case.
I think you are missing the point. Insurers are not entitled to make decisions based upon or demand details of convictions that are spent. That is why the RoOA exists.If an insurer tells you they will not do business with you unless you declare these things, then you need to declare them.
If you do not wish to do so, then simply find another insurer with different terms and conditions that suit you better.
Caveat: hopefully someone who works in insurance can assist with this case.
NinjaPower said:
This doesn't make sense.
The insurer asks you to confirm any convictions/claims in the last 5 years.
You don't have any convictions/claims in the last 5 years so you say you have nothing to declare.
The insurance company then says you owe them money because of your previous convictions/claims that you didn't tell them about.
Is that correct?
As a general point you are completely wrong that contract law trumps legislation. Much legislation is in place to protect people from unfair contracts. ROA 1974 is one such piece of legislation.The insurer asks you to confirm any convictions/claims in the last 5 years.
You don't have any convictions/claims in the last 5 years so you say you have nothing to declare.
The insurance company then says you owe them money because of your previous convictions/claims that you didn't tell them about.
Is that correct?
Bert
s2bounce said:
Are the police allowed to simply call my insurance and tell them about my convictions when all they should of been doing was checking to see if I was insured?.
The Insurance company would be committing and offence to penalise you for a spent conviction.Not sure about the police, they are a law unto themselves and make it up as they go along.
s2bounce said:
Are the police allowed to simply call my insurance and tell them about my convictions when all they should of been doing was checking to see if I was insured?.
To me this thread looks like the OP is not telling all the story.I may be wrong but think that if the police want to check if you have insurance they check on a data base and do not ring the insurance company direct.For the police to tell them about convictions you have not told your insurance company about they would have to ring them and I cannot see the police doing that.
btcc123 said:
To me this thread looks like the OP is not telling all the story.
I may be wrong but think that if the police want to check if you have insurance they check on a data base and do not ring the insurance company direct.For the police to tell them about convictions you have not told your insurance company about they would have to ring them and I cannot see the police doing that.
The OP may well be Jackanory, but certain police people do that sort of thing. Definitely.I may be wrong but think that if the police want to check if you have insurance they check on a data base and do not ring the insurance company direct.For the police to tell them about convictions you have not told your insurance company about they would have to ring them and I cannot see the police doing that.
btcc123 said:
To me this thread looks like the OP is not telling all the story.
I may be wrong but think that if the police want to check if you have insurance they check on a data base and do not ring the insurance company direct.For the police to tell them about convictions you have not told your insurance company about they would have to ring them and I cannot see the police doing that.
The police most certainly did ring my insurer last year when my car didn't show up on their system (just a delay in the end). Nerve-wracking moment for me as I was stuck without my phone (no power) or coat in an area I didn't know well, and they were threatening to take the car away.I may be wrong but think that if the police want to check if you have insurance they check on a data base and do not ring the insurance company direct.For the police to tell them about convictions you have not told your insurance company about they would have to ring them and I cannot see the police doing that.
btcc123 said:
To me this thread looks like the OP is not telling all the story.
I may be wrong but think that if the police want to check if you have insurance they check on a data base and do not ring the insurance company direct.For the police to tell them about convictions you have not told your insurance company about they would have to ring them and I cannot see the police doing that.
I have a motor trade policy and brought the car this morning it takes 24 hours sometimes for it show on the database but it was still showing as insured when I brought it from the previous ownerI may be wrong but think that if the police want to check if you have insurance they check on a data base and do not ring the insurance company direct.For the police to tell them about convictions you have not told your insurance company about they would have to ring them and I cannot see the police doing that.
Presumably if they do cancel your policy you will have to declare that when getting insurance elsewhere and guess what that means..
Your insurance quote will jump by some random amount..probably In the region of hundreds of pounds!
Something similar happened to me once, at renewal time I told my insurance company I was changing jobs and would be working offshore so I would only have access to the car for six months a year and would be doing much less driving.
They recalculated and doubled the cost of the policy !! I told them I would shop around and they said " this call has not been recorded, no changes have been made to the policy ( or something along those lines)
I Made the mistake of calling them back a week later to renew and told them there was no change in policy details..
All of a sudden they told me they could not insure me.
So, I went for a quote elsewhere, and answered 'yes' to the ' have you ever been denied insurance?' question and all my quotes went up by £500 ..
I thought it was a complete joke seeing as I didn't have work cover for the car anyway, so it really shouldn't matter what I do for a living. Working offshore I wouldn't even be driving to the heliport, let alone commuting to and from work!
Your insurance quote will jump by some random amount..probably In the region of hundreds of pounds!
Something similar happened to me once, at renewal time I told my insurance company I was changing jobs and would be working offshore so I would only have access to the car for six months a year and would be doing much less driving.
They recalculated and doubled the cost of the policy !! I told them I would shop around and they said " this call has not been recorded, no changes have been made to the policy ( or something along those lines)
I Made the mistake of calling them back a week later to renew and told them there was no change in policy details..
All of a sudden they told me they could not insure me.
So, I went for a quote elsewhere, and answered 'yes' to the ' have you ever been denied insurance?' question and all my quotes went up by £500 ..
I thought it was a complete joke seeing as I didn't have work cover for the car anyway, so it really shouldn't matter what I do for a living. Working offshore I wouldn't even be driving to the heliport, let alone commuting to and from work!
s2bounce said:
Roo said:
Some people are just monumentally unlucky when it comes to dealing with the police.
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
If you're not going to offer any help then do 1http://www.pistonheads.com/gassing/topic.asp?h=0&a...
here's some helpful advice for you,
https://policegeek.wordpress.com/2012/05/22/the-cy...
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