Insurance database

[T88CAN]

One of my nippers mates was talking to me last night, and the topic of Scamera`s came up, he was caught in the same place as me a few weeks ago I adviced him about telling his insurance company to be on the safe side, he wasn`t going to bother and asked "how would they know?"
I thought that the Insurance companies have access to the convictions drivers have?
True or false?

[2 Smokin Barrels]

Not sure.

But...in the final analysis, if there's a big smash they may ask to review his documents to ensure that he's told them the truth. If they want to wriggle off the hook he'll have played right into their hands.

[Richard C]

The Insurance assesor comes round and checks your licence - if you have a clean one and 'lose' it before it gest defaced by a conviction its always handy to keep by

[purpleheadedcerb]

A quick phone call to DVLA will reveal the truth though and they are well aware of the tricks people pull.

Honesty is the best policy on this one I would say.

[55jnj]

Central database of all insured cars is quickly being established. Technology isn't too far behind to allow patrol cars with ANPR equipment to crosscheck with the insurance database in a trillionth of a second & then immediately flash up on the screen that the car in front etc is uninsured. Excellent use of cameras & technology. Uninsured drivers are scumbags (polite definition).

It'll work in reverse of course with all camera/speeding convictions recorded for insurers to check at the time of claim negotiation etc. Non disclosure = void policy. You'd have to be as bright as Jade Goody to think you're being clever by not disclosing.

>> Edited by 55jnj on Tuesday 13th December 00:13

[anniesdad]

The only obligation is to ENSURE that he tells them, if convicted, at the time of policy renewal.

If he is stopped and advised of an intended prosecution, he has a responsibility to tell them this also, again at renewal. Had he not seen the flash, how would he know to tell his insurers?

Insurance companies may ask for a copy driving licence, were he to make a claim. This is the time that he really needs his insurance on side, and he doesn't want to have indemnity issues at the time of making the claim.

>> Edited by anniesdad on Tuesday 13th December 09:40

[Vesuvius996]

He absolutely must tell them.

His choice, a few extra quid on his premium, or NO INSURANCE.

Is he really daft enough to risk losing his house over a few quid?

[esselte]

55jnj said:

Central database of all insured cars is quickly being established. Technology isn't too far behind to allow patrol cars with ANPR equipment to crosscheck with the insurance database in a trillionth of a second & then immediately flash up on the screen that the car in front etc is uninsured. Excellent use of cameras & technology. Uninsured drivers are scumbags (polite definition). It'll work in reverse of course with all camera/speeding convictions recorded for insurers to check at the time of claim negotiation etc. Non disclosure = void policy. You'd have to be as bright as Jade Goody to think you're being clever by not disclosing. >> Edited by 55jnj on Tuesday 13th December 00:13

Yes it shows that a car has insurance but not neccessarily the person driving it?