Just been banned - insurance help pls

[MrOrange]

Due to travelling in excess of the limit I'm just starting a 4 month ban. Can someone highlight where I stand on insurance?

• Primary car, I'm the main driver but wife drives as well, policy in my name, still has 10 months to run
• Motorcycle, I'm the only rider, it's got 7 months to run
• I'm on my wife's car policy (she is the main driver. It's got 4 months to run

Car is on the drive, bike is in the garage. Oddly, it never crossed my mind that this might effect my *current* policy - I did know it will screw-up my renewals etc...

(also: I had 3 points on my license before, I assume they stay on when my license reappears?)

[GreatGranny]

Wild guess but maybe a call to all the insurance companies involved?

[lewisco]

When you get your license back it will have no points on it but will list the DSQ.

[MrOrange]

GreatGranny said:

Wild guess but maybe a call to all the insurance companies involved?

I kinda got that but, for example, would it likely better if my wife simply took me off her car? I'm not looking for hooky advice, just a heads up for the simplest way to a) stay insured and b) not get bent over

[xsaravtr]

My car got nicked a few years ago and part of the claim for it involved a call with the DVLA to establish if either myself or Mrs had any points not declared to the insurance company. We were both clean but I don't like to think about what would have happened if we weren't. When I've had points previously, I've just sat on them until renewal and declared them then. Won't be doing that again!!!

Thing is too, the car wasn't involved in accident, neither of us were driving it, it was just stolen off the drive, but they still wanted to check our points statuses.

Tell the insurance company or they could do you/Mrs over!

[anonymous-user]

You need to call your insurance company for advice on this IMO.

Points or a ban on the licence may or may not mean huge changes to your insurance, current and future, but only they can tell you.

[ging84]

Don't phone your insurer volunteering information, unless are contractually obliged to do so

Look in your policy documents about informing them of changes, and see what it says, if it tells them you must inform them, then do so, if it does not then don't until renewal

[LoonR1]

Oh FFS

Whilst it's true that in the main you don't really need to inform your insurer of new points gained during a policy year, it is not the same for a ban. One of the key stipulations for most insuramce policies is that you hold a valid licence for the vehicle you are insuring amd are not banned, or otherwise prevented from having a licence.

It won't matter in the policy where you are a named driver. It will matter on the one where you are the policyholder. Ring your insurer and they'll advise what to do. Ignore the BS from the amateurs who don't understand the topic, but think they do, as they've bought a policy once a year for the last few decades.

Edited by LoonR1 on Saturday 7th November 01:13

[ging84]

LoonR1 said:

Oh FFS

Whilst it's true that in the main you don't really need to inform your insurer of new points gained during a policy year, it is not the same for a ban. One of the key stipulations for most insuramce policies is that you hold a valid licence for the vehicle you are insuring amd are not banned, or otherwise prevented from having a licence.

It won't matter in the policy where you are a named driver. It will matter on their where you are the policyholder. Ring your insurer and they'll advise what to do. Ignore the BS from the amateurs who don't understand the topic, but think they do, as they've bought a policy once a year for the last few decades.

You show me a single insurance certificate or policy document where cover for named driver specifically hinges on the policy holder not being disqualified, but does not require you to contact them immediately regarding a motoring conviction disqualification .

I'd bet my lunch that you can't

[edited because i don't want to buy loon a happy meal]

Edited by ging84 on Saturday 7th November 01:11

[Granfondo]

There is one thing that is certain about insurance companies is that if there is any way that they can wriggle out of paying a claim then they will!
Phone them.

[LoonR1]

ging84 said:

LoonR1 said:

Oh FFS

Whilst it's true that in the main you don't really need to inform your insurer of new points gained during a policy year, it is not the same for a ban. One of the key stipulations for most insuramce policies is that you hold a valid licence for the vehicle you are insuring amd are not banned, or otherwise prevented from having a licence.

It won't matter in the policy where you are a named driver. It will matter on their where you are the policyholder. Ring your insurer and they'll advise what to do. Ignore the BS from the amateurs who don't understand the topic, but think they do, as they've bought a policy once a year for the last few decades.

You show me a single insurance certificate or policy document where cover for named driver specifically hinges on the policy holder not being disqualified, but does not require you to contact them immediately regarding a motoring conviction.

I'd bet my lunch that you can't

It seems that you're saying that a named driver doesn't have to worry that the policyholder has been banned. Is this correct?

So you don't think there is an issue that the policyholder no longer holds a valid licence?

Ok. You carry on dishing out the good advice. I'll dig some stuff out tomorrow. I have expensive lunches.

[davepoth]

I would be worried about the possibility of the insurer cancelling the insurance, since they always ask about that. I would just ring them and tell them you want to cancel the insurance without telling them why.

[ging84]

LoonR1 said:

It seems that you're saying that a named driver doesn't have to worry that the policyholder has been banned. Is this correct?

So you don't think there is an issue that the policyholder no longer holds a valid licence?

Ok. You carry on dishing out the good advice. I'll dig some stuff out tomorrow. I have expensive lunches.

No i am saying in cases that they do, the policy book will most certainly list a disqualification as something you must inform them about immediately.

I'll have to backtrack slightly on what i said about informing them of a conviction, i just check on one of the big ones, and they list disqualifications separately to motoring convictions, but it's still very clear that you must inform them of a disqualification immediately.

[LoonR1]

ging84 said:

No i am saying in cases that they do, the policy book will most certainly list a disqualification as something you must inform them about immediately.

I'll have to backtrack slightly on what i said about informing them of a conviction, i just check on one of the big ones, and they list disqualifications separately to motoring convictions, but it's still very clear that you must inform them of a disqualification immediately.

Ok I think we're at cross purposes here.

He should definitely tell his insurers now.

The reason I said it won't matter in the one where he is a named driver is that the insurer won't cancel or suspend cover on that policy in full. They will simply remove him from cover for the period of his ban, or remove him completely. However, his wife will still have a valid policy. He should still tell them though.

His other policies will need to be resolved directly with the insurer. If he doesn't tell them and his car gets stolen and he is still banned then they may not pay out. However, a call to them may see them being happy to continue cover without a problem.