Points "expired" but still on licence - declare?

Points "expired" but still on licence - declare?

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trowelhead

Original Poster:

1,867 posts

122 months

Tuesday 24th November 2015
quotequote all
Sorry if this has been asked before...

I had 3 points on my licence from 2012 that "expired" earlier this year, but are still on my licence until next year.

When i hire a car or get car insurance, do i need to declare them, or is my licence now clean with 0 points?

Cheers

trowelhead

Original Poster:

1,867 posts

122 months

Tuesday 24th November 2015
quotequote all
To add to this, what i mean is that many insurance companies request "you must let us know if you've been convicted of any motoring offence ... in the past five years." etc.

So where do i stand - seems harsh to be penalised for points that i do not have anymore?

trowelhead

Original Poster:

1,867 posts

122 months

Tuesday 24th November 2015
quotequote all
Ok that's pretty clear - declare for 5 years.

I did read something along the lines that if the points are "spent" then in theory insurance company shouldn't be able to penalise...

http://www.telegraph.co.uk/finance/personalfinance...
Telegraph said:
The Financial Ombudsman, the dispute resolution body, has said it will side with the customer if an insurer unfairly uses unspent convictions to give them less favourable terms than other policyholders, such as higher premiums.
"If firms insist on asking questions about spent convictions, then they must effectively ignore the answers they receive. Otherwise we are likely to consider they have breached their statutory duty," the Ombudsman said.
Similarly, if an insurer cancels someone's policy because they have a spent conviction they didn't disclose, a complaint will be upheld.
Thanks - i'll make sure i put them down for 5 years!

trowelhead

Original Poster:

1,867 posts

122 months

Tuesday 24th November 2015
quotequote all
However, to confirm i technically have a clean licence now, no points? If so that is good news, i'll make sure i keep it that way smile