Didnt declare points. Insurers demanding more money
Discussion
Before you all get your knickers in a twist let me explain....
I changed my car last year, mid July, and took out the mandatory insurance. Each year i change from insurer to insurer to get the best quote, as you do.
In 2010 i had 3 points for mobile phone use (CU80) which i have declared on all my policies since, apart from last years. I had an email through today saying that records show i had this conviction in August 2010 (1 month short of the 5 year period they ask for) and therefore because i didnt declare it they now want £158. I could have sworn the conviction happened in June 2010 but upon checking it was actually, as the insurers stated, in August.
I had paid my last direct debit installment for the past year's insurance a few days ago and my insurance is up for renewal in 2 weeks time. The insurers have said that if i renew my insurance they will add the £158 onto next years and if i dont renew the will start proceedings to get the £158 off me. So my question is can they do this?
The answer is irrelevant in the grand scheme of things as i have already taken out the renewal as the one have given me (with the £158 added to it) is less than any competitors quote.
I changed my car last year, mid July, and took out the mandatory insurance. Each year i change from insurer to insurer to get the best quote, as you do.
In 2010 i had 3 points for mobile phone use (CU80) which i have declared on all my policies since, apart from last years. I had an email through today saying that records show i had this conviction in August 2010 (1 month short of the 5 year period they ask for) and therefore because i didnt declare it they now want £158. I could have sworn the conviction happened in June 2010 but upon checking it was actually, as the insurers stated, in August.
I had paid my last direct debit installment for the past year's insurance a few days ago and my insurance is up for renewal in 2 weeks time. The insurers have said that if i renew my insurance they will add the £158 onto next years and if i dont renew the will start proceedings to get the £158 off me. So my question is can they do this?
The answer is irrelevant in the grand scheme of things as i have already taken out the renewal as the one have given me (with the £158 added to it) is less than any competitors quote.
xjay1337 said:
Pay them the £158.
Change insurance company.
Don't argue it or drag it out.
As annoying as it is, if you take insurance out on day X, and your conviction expires on X + 1 month, then unfortunately you still need to declare it.
not a lot else to say , at least they didn't cancel you for 'not revealing a material fact' which would be a definite 'Yes' to have have ever had insurance refused or cancelled by the underwriter...Change insurance company.
Don't argue it or drag it out.
As annoying as it is, if you take insurance out on day X, and your conviction expires on X + 1 month, then unfortunately you still need to declare it.
xjay1337 said:
Pay them the £158.
Change insurance company.
Don't argue it or drag it out.
As annoying as it is, if you take insurance out on day X, and your conviction expires on X + 1 month, then unfortunately you still need to declare it.
I've stuck with them for the renewal as it's almost £100 cheaper than any other company.Change insurance company.
Don't argue it or drag it out.
As annoying as it is, if you take insurance out on day X, and your conviction expires on X + 1 month, then unfortunately you still need to declare it.
I had no problem paying it as I was in the wrong. I was just wondering if insurance companies could chase you for such a payment. As has been mentioned i guess it's better than having insurance cancelled/refused.
This happened to me about 10 years ago when I had an SP30 and when calling them to renew my 2nd year policy it came about that they never had a record of my SP30.
Luckily when they added it on it didn't change the premium by a penny and didn't want anything for the prior year.
As suggested pay up OP to save you any further hassle.
Luckily when they added it on it didn't change the premium by a penny and didn't want anything for the prior year.
As suggested pay up OP to save you any further hassle.
Insurance companies are in the business to make money but you do sometimes feel they are fining you for a mistake.
We had a limited mileage policy and went on a Euro trip in the car.
We exceeded our limit by a few hundred miles and when we got back home phoned them to extend the cover by another 1000 miles (6000 to 7000).
They absolutely raped us. It almost doubled the cost of the policy.
I was not sure why as they could have walked away from us if we had had an accident.
They have you by the knackers OP.
We had a limited mileage policy and went on a Euro trip in the car.
We exceeded our limit by a few hundred miles and when we got back home phoned them to extend the cover by another 1000 miles (6000 to 7000).
They absolutely raped us. It almost doubled the cost of the policy.
I was not sure why as they could have walked away from us if we had had an accident.
They have you by the knackers OP.
longshot said:
Insurance companies are in the business to make money but you do sometimes feel they are fining you for a mistake.
We had a limited mileage policy and went on a Euro trip in the car.
We exceeded our limit by a few hundred miles and when we got back home phoned them to extend the cover by another 1000 miles (6000 to 7000).
They absolutely raped us. It almost doubled the cost of the policy.
I was not sure why as they could have walked away from us if we had had an accident.
They have you by the knackers OP.
Who's to say that someone else didn't do 1,000 miles in your car over the year utilising their own insurance or day insure etc?We had a limited mileage policy and went on a Euro trip in the car.
We exceeded our limit by a few hundred miles and when we got back home phoned them to extend the cover by another 1000 miles (6000 to 7000).
They absolutely raped us. It almost doubled the cost of the policy.
I was not sure why as they could have walked away from us if we had had an accident.
They have you by the knackers OP.
what were you insuring ? A space shuttle ?KevinCamaroSS said:
No doubt somebody will correct me, but, I thought it was 5 years from the date of the offence, not the date of the conviction?
You asked for it. 
It's the date of conviction. The 5 period relates to the fine not the endorsement.
However the government in its wisdom decided that the reduction to 1 year would not apply to motoring offences.
http://hub.unlock.org.uk/knowledgebase/spent-now-b...
It was the result of some heavyweight political lobbying by the insurance industry. Quelle surprise.
http://hub.unlock.org.uk/knowledgebase/motoring-co...
Noodle1982 said:
I've stuck with them for the renewal as it's almost £100 cheaper than any other company.
I had no problem paying it as I was in the wrong. I was just wondering if insurance companies could chase you for such a payment.
If, going by memory, you disclosed an offence for which they charged you, and you then found out the offence was older than you thought and shouldn't have been disclosed, would you chase them for a refund? Of course you would, and having provided the evidence, they'd give it.I had no problem paying it as I was in the wrong. I was just wondering if insurance companies could chase you for such a payment.
Red Devil said:
You asked for it.
It's the date of conviction. The 5 period relates to the fine not the endorsement.
However the government in its wisdom decided that the reduction to 1 year would not apply to motoring offences.
http://hub.unlock.org.uk/knowledgebase/spent-now-b...
It was the result of some heavyweight political lobbying by the insurance industry. Quelle surprise.
http://hub.unlock.org.uk/knowledgebase/motoring-co...
Thanks Red Devil, I did indeed.It's the date of conviction. The 5 period relates to the fine not the endorsement.
However the government in its wisdom decided that the reduction to 1 year would not apply to motoring offences.
http://hub.unlock.org.uk/knowledgebase/spent-now-b...
It was the result of some heavyweight political lobbying by the insurance industry. Quelle surprise.
http://hub.unlock.org.uk/knowledgebase/motoring-co...
Use their website for 2 quotations, 1 with and 1 without the points declared, for the 4 years 11 months from today. Offer to settle on the difference that those 2 quotes are apart - all else being equal.
They're only entitled to ask you for the difference, not the difference plus made up punishment.
They're only entitled to ask you for the difference, not the difference plus made up punishment.
John145 said:
Use their website for 2 quotations, 1 with and 1 without the points declared, for the 4 years 11 months from today. Offer to settle on the difference that those 2 quotes are apart - all else being equal.
They're only entitled to ask you for the difference, not the difference plus made up punishment.
That would tell you nothing, as their attitude and underwriting criteria now might be completely different to what they were doing last year. If they say it's £158, it's £158. You cannot prove otherwise by redoing the quote now.They're only entitled to ask you for the difference, not the difference plus made up punishment.
TwigtheWonderkid said:
John145 said:
Use their website for 2 quotations, 1 with and 1 without the points declared, for the 4 years 11 months from today. Offer to settle on the difference that those 2 quotes are apart - all else being equal.
They're only entitled to ask you for the difference, not the difference plus made up punishment.
That would tell you nothing, as their attitude and underwriting criteria now might be completely different to what they were doing last year. If they say it's £158, it's £158. You cannot prove otherwise by redoing the quote now.They're only entitled to ask you for the difference, not the difference plus made up punishment.
They go on how the quote would've been effected at the time the policy was taken. No proof provided, could be pulling a number out of a hat for all we know but them's the breaks.
StottyEvo said:
They go on how the quote would've been effected at the time the policy was taken. No proof provided, could be pulling a number out of a hat for all we know but them's the breaks.
There would be a strong chance they would be discovered if they were treating customers in this way
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