quick insurance query

[andymc]

Just completed my online insurance through comparethemarket, I have to upload my licence (both parts), i have never had to do this before with elephant etc? is this a new format?
thanks

[littleredrooster]

Some require it, most don't. I've never (yet) had to give a scanned copy of my licence. More common in motorcycle insurance, I believe, presumably because of the various licence categories.

[k99]

Recently renewed my bike insurance and had to send a copy of my driving licence. Never had to do it for car insurance.

[mercfunder]

1st Central?

I had to do it when I insured with them.

[LoonR1]

Too many people "forgetting" to declare their points. The insurer remains liable for the TP element of any claim, even on business they would never have taken on.

Make sense to me that they should do all they can to limit the opportunity for fraudsters and it will also help you at renewal time, as the less an insurer is exposed to fraud, the lower any future premium will be.

[Dog Star]

I've got 7 vehicles to insure and most of them want a copy these days. So they get sent the same copy I scanned in years ago. Every year. Why I have to send it every renewal I never know.

[LoonR1]

Dog Star said:

I've got 7 vehicles to insure and most of them want a copy these days. So they get sent the same copy I scanned in years ago. Every year. Why I have to send it every renewal I never know.

Maybe because you might have picked up some points since last year.

[covboy]

LoonR1 said:

Dog Star said:

I've got 7 vehicles to insure and most of them want a copy these days. So they get sent the same copy I scanned in years ago. Every year. Why I have to send it every renewal I never know.

Maybe because you might have picked up some points since last year.

How does that work then with a “years ago” scanned copy ?

[Pontoneer]

Fraudsters who are getting points on their licence could simply 'lose' their old copy of their licence with no points showing , and obtain a replacement licence with the points .

When an insurer asks to see the licence , they are shown the 'old' licence .

Completely illegal , but some will do that .

[daz3210]

Pontoneer said:

Fraudsters who are getting points on their licence could simply 'lose' their old copy of their licence ........ , and obtain a replacement licence ......
.

I know a bloke who did this some years ago.

He got caught for speeding. The licence he should have sent in was one of the old green coloured ones. So he 'lost it' and paid for a new one. The reason he said was that he wanted to keep the green licence for 'historical' reasons, and was afraid it would be changed anyway. He does use the new type licence now anyway for all 'legal' matters, so the hostiry story could well be true.

[LoonR1]

covboy said:

How does that work then with a “years ago” scanned copy ?

It means that if you need to claim then you've moved from an arguably innocent mistake of forgetting to declare some points to a deliberate attempt to defraud. The consequences that follow are far worse than the couple of quid saved in premiums.

[WanThyme]

Insurers also ask for it as people seem to forget where they live these days.

They don't live in their own house that has a mortgage & bank accounts with bills registered to them in the middle of Liverpool for £3000.... nope, they live in Cornwall with their auntie's best friend's dog for £400.

[btcc123]

I have never had to send a copy of licences for mine and the wifes multicar policy.

My son was 17 a few months ago,bought him a car that he is the registered owner and policy holder with me and the wife as named drivers.The insurance wanted me to send copies of both sides of the paper licence and both sides of the photo car licence for all drivers.

All I did was take all the photos they wanted with my iphone and E-mailed them to the insurer.I was still happy that the insurance premium was only £366.88 fully comp.

Edited by btcc123 on Tuesday 24th March 11:33

[Foliage]

btcc123 said:

I have never had to send a copy of licences for mine and the wifes multicar policy.

My son was 17 a few months ago,bought him a car that he is the registered owner and policy holder with me and the wife as named drivers.The insurance wanted me to send copies of both sides of the paper licence and both sides of the photo car licence for all drivers.

All I did was take all the photos they wanted with my iphone and E-mailed them to the insurer.I was still happy that the insurance premium was only £366.88 fully comp.

Edited by btcc123 on Tuesday 24th March 11:33

Out of interest what car did you get him? sounds cheap to insure. Im on the look out for something for my niece.

[LoonR1]

graphene said:

Jolt!

Just had this request made to me when getting quotes for motorcycle insurance. Have a few cars and bikes in the household but this the first I have even heard of it. Digital world and insurers are relying on easily-faked photocopies/scans to verify this important information? Seems to me like the type of weak validation process that inconveniences the honest and offers a minor delay / more work to the unscrupulous.

It's very old school and about to be replaced by the request for your driving licence number which will then be verified online with DVLA. It's voluntary as to whether you provide it or not, but choosing not to is likely to have some fairly obvious consequences.

[btcc123]

Foliage said:

btcc123 said:

I have never had to send a copy of licences for mine and the wifes multicar policy.

My son was 17 a few months ago,bought him a car that he is the registered owner and policy holder with me and the wife as named drivers.The insurance wanted me to send copies of both sides of the paper licence and both sides of the photo car licence for all drivers.

All I did was take all the photos they wanted with my iphone and E-mailed them to the insurer.I was still happy that the insurance premium was only £366.88 fully comp.

Edited by btcc123 on Tuesday 24th March 11:33

Out of interest what car did you get him? sounds cheap to insure. Im on the look out for something for my niece.

The car is a 2003 Toyota Yaris 1.0 colour collection.I originally bought it for my daughters 17th birthday 6 years ago for £3995,put it in he name with me and the wife as named drivers(because its cheaper)and the cheapest insurance quote I could find was Quinn Direct £1300 third party F&F that went down to £300 fully comp last year.

The car has never broken down and passed the MOT with no issues and about 6 months before my son was 17 my daughter decided to part exchange it for a newer model Toyota Yaris.I asked my son if he would like his sisters car which he said yes as its a good car so I said to my daughter I will buy the car off you for the part exchange figure which was £1300

I put the car in my name on our multicar policy and when my son was 17 registered it in his name and also insurance policy in his name and the cheapest quote I could find which was with the same ccompany Quinn Direct but a hell of a lot cheaper £366 fully comp with me and the wife as named drivers.

They are a really good car,very reliable and surprisingly good to drive and I would certainly recommend one.

[LoonR1]

Foliage said:

Out of interest what car did you get him? sounds cheap to insure. Im on the look out for something for my niece.

Is probably that cheap as he's still a learner so testosterone and other maniacal teenage hormones will be kept in check by the old codger in the passenger seat.

It's when the old codger is replaced by three of his spotty mates all weaned on GTA1-4 that the premiums start to rise.

[Sheepshanks]

btcc123 said:

I put the car in my name on our multicar policy and when my son was 17 registered it in his name and also insurance policy in his name and the cheapest quote I could find which was with the same ccompany Quinn Direct but a hell of a lot cheaper £366 fully comp with me and the wife as named drivers.

Is that with your son on a provisional licence?

[btcc123]

Sheepshanks said:

btcc123 said:

I put the car in my name on our multicar policy and when my son was 17 registered it in his name and also insurance policy in his name and the cheapest quote I could find which was with the same ccompany Quinn Direct but a hell of a lot cheaper £366 fully comp with me and the wife as named drivers.

Is that with your son on a provisional licence?

Hey Loon less of the old codger,I may be 55 retired but a perfect specimen of a man.

Yes my son has a provisional licence and realise that the price will increase when he passes his test as the handsome young man will not be beside him but replaced with his mates.

At £366 fully comp its still a good price compared with 6 years ago when my daughter started driving the cost was £1300 third party and did increase when she passed her test but only by £2-300

[LoonR1]

I wuz speekin yoof innit