heres an odd situation
Discussion
right ill try give you the facts best i can,
i had 7 old points from when i first past my test on my licence, 3 points from 3 years ago, a 21 day ban last year with no points, and got 3 points put on last month
(other than the 21day ban for doing 107 on a empty motorway the rest were for being at 51 in 40 zones etc but anyway)
i sent my licence away to have the 7 points from 4 1/2 years ago taken off, i got it back this morning, with only my 21 day ban and my 3 points from 3 years ago which expire next week! did they
up? and could insurance companys find out about the other recent three from the dvla? i would imagine so and best to declare them, but ill ask anyway.
thanks guys
i had 7 old points from when i first past my test on my licence, 3 points from 3 years ago, a 21 day ban last year with no points, and got 3 points put on last month
(other than the 21day ban for doing 107 on a empty motorway the rest were for being at 51 in 40 zones etc but anyway)
i sent my licence away to have the 7 points from 4 1/2 years ago taken off, i got it back this morning, with only my 21 day ban and my 3 points from 3 years ago which expire next week! did they
up? and could insurance companys find out about the other recent three from the dvla? i would imagine so and best to declare them, but ill ask anyway. thanks guys
Perhaps it's me but I can't quite understand what you're saying. Have they taken the old points off and left the 3 and the ban? If that's the case, then it's correct.
Sorry, re-read it... you're missing the latest points. Were the new points on your old licence? I'd be honest and give them a call. They will be on a computer somewhere and will come and bite your ar5e later on if you don't count them. You've only got a few months with the old 3 counting towards totting up anyway.
Sorry, re-read it... you're missing the latest points. Were the new points on your old licence? I'd be honest and give them a call. They will be on a computer somewhere and will come and bite your ar5e later on if you don't count them. You've only got a few months with the old 3 counting towards totting up anyway.
Edited by XJ_Wanty on Wednesday 28th March 10:38
also iv recently taken insurance, they have asked for a copy of my licence,i told them it was away getting endorsed with 3 points and id send them a copy when i get it back. i declared the 2x3 points and 21 day ban which is fine, so when i recieve it back from the dvla the first 7 are off as they are 5 years old in july. when they see the 3 points from january are not there, should i try talk my way out of actually having them, or just say there must have been a mistake as they sent me it back without the points,
then when its time to renew, jump ship to another company with my 3 points and 21 day ban and not declare the 3 from january which dont exist yet.
then when its time to renew, jump ship to another company with my 3 points and 21 day ban and not declare the 3 from january which dont exist yet.
XJ_Wanty said:
Perhaps it's me but I can't quite understand what you're saying. Have they taken the old points off and left the 3 and the ban? If that's the case, then it's correct.
sorry i just woke up and a bit confused,
i had 13 in total, sent it away to have the old 7 removed. only they removed the old 7 AND the 3 points which were put on my licence 2 weeks ago
leaving me with the 3 from 2004 and my 21 day ban from last year
hollowpockets said:
should i try talk my way out of actually having them, or just say there must have been a mistake as they sent me it back without the points,
then when its time to renew, jump ship to another company with my 3 points and 21 day ban and not declare the 3 from january which dont exist yet.
then when its time to renew, jump ship to another company with my 3 points and 21 day ban and not declare the 3 from january which dont exist yet.
No - be honest. It's the difference between being insured and not being insured.
You will still have to declare points at least four years from when you received them or with some insurers five years, so again be honest and give them the information they ask for.
I don't quite understand why people try it on with such things as insurers... their main aim in life is to look for ways to not pay out when you have to claim!
hollowpockets said:
XJ_Wanty said:
Perhaps it's me but I can't quite understand what you're saying. Have they taken the old points off and left the 3 and the ban? If that's the case, then it's correct.
sorry i just woke up and a bit confused,
i had 13 in total, sent it away to have the old 7 removed. only they removed the old 7 AND the 3 points which were put on my licence 2 weeks ago
leaving me with the 3 from 2004 and my 21 day ban from last year
If it's not on the licence, and it's not due on the licence, then don't declare it.
Edited by RichBurley on Wednesday 28th March 10:41
gshughes said:
I had a similar situation. A mistake was made at the DVLA in transcribing an sp30 from a paper to photocard licence. The conviction occured in 2006, but on my licence it now states 2005. I too am wondering what to tell insurance companies.
My advice, Be completely HONEST with the insurance companies. The previous poster is correct, they have teams of people whose sole job is to find reasons not to pay up, especially in today's claim-ridden motor insurance world. I develop/ support insurance software for a living and we have recently completed a project that allows our clients to record (and share) databases with the national insurer database. This most definitely contains unique information such as names and addresses and penalty points associated with them! If you crash, you'll be shafted, well and truely! The small rise in premium is not worth the heartache!
But that data you refer to would be wrong; he doesn't have the points on the licence. There's a difference between accidents happening, and being given points. If there's an accident, then of course, disclose it, irrespective of points. If points were put on, then taken off, then there's no responsibility to "add" them on. In fact, I know not of any requirement for them to be put back on.
If your disclosures are consistent with your licence, then any data kept by others is irrelevant, and frankly, inaccurate.
If your disclosures are consistent with your licence, then any data kept by others is irrelevant, and frankly, inaccurate.
RichBurley said:
But that data you refer to would be wrong; he doesn't have the points on the licence. There's a difference between accidents happening, and being given points. If there's an accident, then of course, disclose it, irrespective of points. If points were put on, then taken off, then there's no responsibility to "add" them on. In fact, I know not of any requirement for them to be put back on.
If your disclosures are consistent with your licence, then any data kept by others is irrelevant, and frankly, inaccurate.
If your disclosures are consistent with your licence, then any data kept by others is irrelevant, and frankly, inaccurate.
In the OP's second or third post, he told his insurance company his license was away getting points added. Therefore, they will have added these points to their database. Now i'm not sayin they will definitely share this information, but i would not be willing to take the chance. If he subsequently "lies" upon renewal to the next company, then you can be damn sure they'll still take his premium. Come crash time, they'll find their database says that this guy has "lied" to us about 3 points = insurance void.
I know what you're saying, but he then says
"oops, I was wrong, I didn't have the 3 points; here is my driving licence to prove it - can you please amend your records to show those 3 points were not incurred"
I'm not expert on this, but if it isn't on the licence, and it's not pending, then as far as I aware, the OP is fine on this one.
"oops, I was wrong, I didn't have the 3 points; here is my driving licence to prove it - can you please amend your records to show those 3 points were not incurred"
I'm not expert on this, but if it isn't on the licence, and it's not pending, then as far as I aware, the OP is fine on this one.
Sorry Mr Insurance Man - I was being a very good boy telling you quickly that I had been allegedly caught speeding and the officer told me I would get three points on my licence. Actually they got it wrong and I wasn't so I didn't get any points and here's my licence to prove it.
Jobs a good'un
BB
Jobs a good'un
BB
BigBob said:
Sorry Mr Insurance Man - I was being a very good boy telling you quickly that I had been allegedly caught speeding and the officer told me I would get three points on my licence. Actually they got it wrong and I wasn't so I didn't get any points and here's my licence to prove it.
Jobs a good'un
BB
Jobs a good'un
BB
I wished I'd thought of that...
RichBurley said:
BigBob said:
Sorry Mr Insurance Man - I was being a very good boy telling you quickly that I had been allegedly caught speeding and the officer told me I would get three points on my licence. Actually they got it wrong and I wasn't so I didn't get any points and here's my licence to prove it.
Jobs a good'un
BB
Jobs a good'un
BB
I wished I'd thought of that...
That could work for recent points, as it could be the case and there would be nothing to show that you knew any better, therfore the information could be demonstrated to be 'to the best of my knowledge'.
Having points that you know about being removed in error is not the same at all, I'm sure it could be demonstrated that you knew full well those points were on your licence.
its my understanding that, even if i managed to talk my way out of the recent points situation, they can still go to the dvla and ask for information on my licence,
wether i have the points on the piece of paper or not - i dont know if it still exists on the dvla's record, it may simply have been missed out when printing my paper part due to a total of 13 points not being able on the system, ie max 12 then its over. so the system kicked out the last 3 automaticaly?
maybe the person at the computer was confused with dates and mistaken the jan 07 for an 02 like the other 7 were that had to be removed
its not worth risking i dont think, fraud an all the hassle of lies etc.
what ill do is say my licence didnt turn up in the post and ask for another copy, see what turns up. if the 3 new points arent on, jobs a good'un, if they are fine and will continue as normal with the 6.
wether i have the points on the piece of paper or not - i dont know if it still exists on the dvla's record, it may simply have been missed out when printing my paper part due to a total of 13 points not being able on the system, ie max 12 then its over. so the system kicked out the last 3 automaticaly?
maybe the person at the computer was confused with dates and mistaken the jan 07 for an 02 like the other 7 were that had to be removed
its not worth risking i dont think, fraud an all the hassle of lies etc.
what ill do is say my licence didnt turn up in the post and ask for another copy, see what turns up. if the 3 new points arent on, jobs a good'un, if they are fine and will continue as normal with the 6.
The point is a simple one --you sent your licence in for a points adjustment. Only DVLA can do that - therefore, if you receive an amended licence back, then you have no onus to argue the case to your insurers, your responsibility is to declare POINT ADDED. If they have not been added, that what are you declaring? It is an official document, and it is THEIR responsibility to ensure it is ammended correctly, not yours.
For one thing I think you have been sent a copy of the DVLA record. It’s not handwritten is it so it must be a print out from your record. In other words if it isn’t on your licence then it isn’t on your record. I think it’s unlikely that the inputs will be double checked after the licences are sent out, some before sending out maybe, but afterwards, not likely because then they’d have to admit a mistake.
Also if the insurance company are asking for your licence then presumably they can’t get the data from the DVLA.
Also if the insurance company are asking for your licence then presumably they can’t get the data from the DVLA.
Personal details held by DVLA are protected by the "Data Protection Act", they cannot give out your details to a third party without your consent other than to the Police. Doesn't apply to vehicle details just personal details.
I went to rent a van without my licence, the rental company phoned a dedicated line for the purpose, they asked to speak to me first, asking when I passed my test (1961 !) and my previous address, both of which would be unknown to a fraudster. Then they asked if I agreed to the licence info being provided and proceeded to give the info required to the receptionist.
I went to rent a van without my licence, the rental company phoned a dedicated line for the purpose, they asked to speak to me first, asking when I passed my test (1961 !) and my previous address, both of which would be unknown to a fraudster. Then they asked if I agreed to the licence info being provided and proceeded to give the info required to the receptionist.
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