Declarable points on licence.
Discussion
Say for example someone had 3 points which were put on their licence on 1 May 2012.
These remain live until 1 May 2015.
They are removed from your licence on 1 May 2016 i.e. four years later.
If you applied for car insurance on 2 May 2016, they normally ask you if you've had any points or convictions in the previous 5 years. You have to say yes and declare those points.
However, if you lied and said no, is there any evidence of those points being on your licence at all now that the paper counterpart has been dispensed with?
These remain live until 1 May 2015.
They are removed from your licence on 1 May 2016 i.e. four years later.
If you applied for car insurance on 2 May 2016, they normally ask you if you've had any points or convictions in the previous 5 years. You have to say yes and declare those points.
However, if you lied and said no, is there any evidence of those points being on your licence at all now that the paper counterpart has been dispensed with?
Do expired points actually increase premiums?
The insurers have a database (can't recall the name) where they share information. Would that include points or just claims?
Even if at face value the insurers can't find out it seems unwise to give them a reason to invalidate your insurance in event of a claim. No harm done in lying....until you actually need the insurance. Could be ruinous if there are substantial third party claims.
The insurers have a database (can't recall the name) where they share information. Would that include points or just claims?
Even if at face value the insurers can't find out it seems unwise to give them a reason to invalidate your insurance in event of a claim. No harm done in lying....until you actually need the insurance. Could be ruinous if there are substantial third party claims.
The reason insurers stipulate 5 years is because it is the rehabilitation period for an endorsement ordered by a court or disposal by a FPN.
Motoring offences still come under the provisions of the 1974 Act. The 2014 Act which reduced the period of rehabilitation for a fine to 1 year does not apply to them.
See - https://www.gov.uk/government/uploads/system/uploa... - Section 2, third bullet point.
Motoring offences still come under the provisions of the 1974 Act. The 2014 Act which reduced the period of rehabilitation for a fine to 1 year does not apply to them.
See - https://www.gov.uk/government/uploads/system/uploa... - Section 2, third bullet point.
Esceptico said:
Do expired points actually increase premiums?
The insurers have a database (can't recall the name) where they share information. Would that include points or just claims?
Even if at face value the insurers can't find out it seems unwise to give them a reason to invalidate your insurance in event of a claim. No harm done in lying....until you actually need the insurance. Could be ruinous if there are substantial third party claims.
I think you will find they only honour 3rd party claims in the event you lie to get insurance but they would not cover your vehicle or loses .The insurers have a database (can't recall the name) where they share information. Would that include points or just claims?
Even if at face value the insurers can't find out it seems unwise to give them a reason to invalidate your insurance in event of a claim. No harm done in lying....until you actually need the insurance. Could be ruinous if there are substantial third party claims.
agtlaw said:
KungFuPanda said:
No but I'm asking whether they would be able to check if you had points which were between 4 and 5 years old.
DVLA keeps a record. They do not delete stuff after 4 or 5 years or any period of time.https://www.whatdotheyknow.com/request/information...
Suggests otherwise. I agree that they probably have an archive, but it seems that any endorsements are deleted from the DVLA record provided to insurers as soon as they expire.
surveyor_101 said:
Esceptico said:
Do expired points actually increase premiums?
The insurers have a database (can't recall the name) where they share information. Would that include points or just claims?
Even if at face value the insurers can't find out it seems unwise to give them a reason to invalidate your insurance in event of a claim. No harm done in lying....until you actually need the insurance. Could be ruinous if there are substantial third party claims.
I think you will find they only honour 3rd party claims in the event you lie to get insurance but they would not cover your vehicle or loses .The insurers have a database (can't recall the name) where they share information. Would that include points or just claims?
Even if at face value the insurers can't find out it seems unwise to give them a reason to invalidate your insurance in event of a claim. No harm done in lying....until you actually need the insurance. Could be ruinous if there are substantial third party claims.
davepoth said:
Are you sure? This FOI request:
https://www.whatdotheyknow.com/request/information...
Suggests otherwise. I agree that they probably have an archive, but it seems that any endorsements are deleted from the DVLA record provided to insurers as soon as they expire.
Having seen records that are decades old, yes I'm sure.https://www.whatdotheyknow.com/request/information...
Suggests otherwise. I agree that they probably have an archive, but it seems that any endorsements are deleted from the DVLA record provided to insurers as soon as they expire.
davepoth said:
Are you sure? This FOI request:
https://www.whatdotheyknow.com/request/information...
Suggests otherwise. I agree that they probably have an archive, but it seems that any endorsements are deleted from the DVLA record provided to insurers as soon as they expire.
From the linked site:https://www.whatdotheyknow.com/request/information...
Suggests otherwise. I agree that they probably have an archive, but it seems that any endorsements are deleted from the DVLA record provided to insurers as soon as they expire.
"Dear Mr Elliot-Smith
Thank you for your email making a request under The Freedom of Information Act 2000 (FOIA). Questions on penalty points on Drviers Licences are dealt with daily as DVLA's routine work, so we are responding to you under 'business as usual'....."
Is a "Drviers" licence one that is issued to dyslexic drivers?
angrypirate said:
Im pretty sure that they are only declarable whilst on your licence. There was an article on this in the telegraph a while back - will see if i can find it. Its basically a scam from the insurers to charge you more.
http://www.telegraph.co.uk/finance/personalfinance/insurance/motorinsurance/11809352/Why-over-declaring-penalty-points-lets-car-insurers-overcharge-2.8-million-drivers.htmlhttp://www.telegraph.co.uk/cars/advice/how-long-do...
angrypirate said:
That article is largely nonsense written by a 'consumer editor.' davepoth is something of a specialist in this area.
angrypirate said:
Im pretty sure that they are only declarable whilst on your licence. There was an article on this in the telegraph a while back - will see if i can find it. Its basically a scam from the insurers to charge you more.
No insurers ask for 5 years however my experience of EUI ltd is they only get the dvla data you can o the online portal.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff