Can insurance companies find out if points are not declared?
Discussion
Sebring440 said:
iDrive said:
I recently spent a day with the Insurance Fraud Bureau.
Bloody hell! Must've have been some fraud! Did they call the police or just let you go home?mcflurry said:
Would you send the hirer the bill for the other 70%, or is it pointless if they live on a sink estate and have no money?
The driver has since moved house, and is a resident at a HMP site in the East Midlands....But generally yes, we do attempt to recover losses, and there are a few properties dotted around the country with charging orders on them.
Get an empty envelope and post it to your insurance co, the post room there will just throw it away. Don't put your returns address on it and make sure you get a proof of postage receipt from the post office.
Now you can produce evidance that is already back dated and shows you posted them all the details they say you never sent them, they must have lost your letter in their system. Even send it recorded to prove they received it.
Note: if this does not work you will already be practiced at sending letters while in prison.
Now you can produce evidance that is already back dated and shows you posted them all the details they say you never sent them, they must have lost your letter in their system. Even send it recorded to prove they received it.
Note: if this does not work you will already be practiced at sending letters while in prison.
Stoofa said:
A friend of mine ticked the "no" box when asked if he had any unspent criminal convictions for his car insurance. Mainly because if he ticked the "yes" box his choice of insurers was reduced to more or less none.
He's actually a safe driver, he's been a driver for 20 years, never had a point on his license, never been in an accident - but due to stupidity in another aspect of his life, he was finding it incredibly difficult to get insured, so he could drive to the job he'd actually managed to get with an unspent conviction.
His thinking was that he's never heard of anyone being asked to prove they don't have a criminal record after a car accident. I can see his theory, not as if an insurance company has ever asked anyone to provide, for example, a DBS to show no record.
He didn't have an accident during the 3 years he "told fibs" on his insurance and now he's all legal again.
Thankfully there are a few more insurance companies around now that don't actually ask about non-motoring convictions, but I can understand why he did it.
I don't think I could understand who someone whose just gone from 3 to 6 pts on their license would do it.
My pal failed to declare an unspent criminal conviction, not because he was dishonest but because he wasn't specifically asked about it during the online application. Fast forward 4 years (still with the same insurer), the conviction is spent and his wife rolls into a car in front. His insurer discovered the undeclared conviction, voided his policies for the four years, paid out to the other party and then pursued him for £10k. He's actually a safe driver, he's been a driver for 20 years, never had a point on his license, never been in an accident - but due to stupidity in another aspect of his life, he was finding it incredibly difficult to get insured, so he could drive to the job he'd actually managed to get with an unspent conviction.
His thinking was that he's never heard of anyone being asked to prove they don't have a criminal record after a car accident. I can see his theory, not as if an insurance company has ever asked anyone to provide, for example, a DBS to show no record.
He didn't have an accident during the 3 years he "told fibs" on his insurance and now he's all legal again.
Thankfully there are a few more insurance companies around now that don't actually ask about non-motoring convictions, but I can understand why he did it.
I don't think I could understand who someone whose just gone from 3 to 6 pts on their license would do it.
I'd take a chance, insurance companies are very trusting and often give the benefit of the doubt
They are also very naive, don't talk to one another and are fairly dumb about using IT to track crafty rascals and scamps who play mischievous games
Give it a whirl. Fight against the system!
Show those nerds, suits and bread heads who calls the shots!
They are also very naive, don't talk to one another and are fairly dumb about using IT to track crafty rascals and scamps who play mischievous games
Give it a whirl. Fight against the system!
Show those nerds, suits and bread heads who calls the shots!
Zor600 said:
If you ever make a claim they will find out, but if not you’ll probably be ok. Not a good idea though
Yea when I had to claim a few years ago, had to do a dvla call with myself and wife (who was driving) to confirm with the dvla of any endorsements on the licence.Also since they share info like mad if you ever put it on a quote it could be shared.
Taglioni said:
I'd take a chance, insurance companies are very trusting and often give the benefit of the doubt
They are also very naive, don't talk to one another and are fairly dumb about using IT to track crafty rascals and scamps who play mischievous games
Give it a whirl. Fight against the system!
Show those nerds, suits and bread heads who calls the shots!
That is simply some of the dumbest advice I've ever seen posted on PH. If the OP has to make a claim, the Insurer will do a background check. If they believe he has fraudulently undeclared his points they will void both his claim and the policy. In certain cases they will even report it to the police as well.They are also very naive, don't talk to one another and are fairly dumb about using IT to track crafty rascals and scamps who play mischievous games
Give it a whirl. Fight against the system!
Show those nerds, suits and bread heads who calls the shots!
Not only that, but the OP runs the risk of having his name registered at the MIB as a fraudulent customer. And let's not forget that the OP will be left with a damaged or wrecked car to pay for, and legally exposed on a personal basis for any damage, injury or death of any third parties.
"Fighting the system" sounds all very bravado on the internet, but it's a system that protects millions of your fellow motorists from cheats and morons.
corozin said:
Taglioni said:
I'd take a chance, insurance companies are very trusting and often give the benefit of the doubt
They are also very naive, don't talk to one another and are fairly dumb about using IT to track crafty rascals and scamps who play mischievous games
Give it a whirl. Fight against the system!
Show those nerds, suits and bread heads who calls the shots!
That is simply some of the dumbest advice I've ever seen posted on PH. If the OP has to make a claim, the Insurer will do a background check. If they believe he has fraudulently undeclared his points they will void both his claim and the policy. In certain cases they will even report it to the police as well.They are also very naive, don't talk to one another and are fairly dumb about using IT to track crafty rascals and scamps who play mischievous games
Give it a whirl. Fight against the system!
Show those nerds, suits and bread heads who calls the shots!
Not only that, but the OP runs the risk of having his name registered at the MIB as a fraudulent customer. And let's not forget that the OP will be left with a damaged or wrecked car to pay for, and legally exposed on a personal basis for any damage, injury or death of any third parties.
"Fighting the system" sounds all very bravado on the internet, but it's a system that protects millions of your fellow motorists from cheats and morons.
corozin said:
That is simply some of the dumbest advice I've ever seen posted on PH. If the OP has to make a claim, the Insurer will do a background check. If they believe he has fraudulently undeclared his points they will void both his claim and the policy. In certain cases they will even report it to the police as well.
Not only that, but the OP runs the risk of having his name registered at the MIB as a fraudulent customer. And let's not forget that the OP will be left with a damaged or wrecked car to pay for, and legally exposed on a personal basis for any damage, injury or death of any third parties.
"Fighting the system" sounds all very bravado on the internet, but it's a system that protects millions of your fellow motorists from cheats and morons.
He was being sarcastic.Not only that, but the OP runs the risk of having his name registered at the MIB as a fraudulent customer. And let's not forget that the OP will be left with a damaged or wrecked car to pay for, and legally exposed on a personal basis for any damage, injury or death of any third parties.
"Fighting the system" sounds all very bravado on the internet, but it's a system that protects millions of your fellow motorists from cheats and morons.
corozin said:
That is simply some of the dumbest advice I've ever seen posted on PH. If the OP has to make a claim, the Insurer will do a background check. If they believe he has fraudulently undeclared his points they will void both his claim and the policy. In certain cases they will even report it to the police as well.
Not only that, but the OP runs the risk of having his name registered at the MIB as a fraudulent customer. And let's not forget that the OP will be left with a damaged or wrecked car to pay for, and legally exposed on a personal basis for any damage, injury or death of any third parties.
"Fighting the system" sounds all very bravado on the internet, but it's a system that protects millions of your fellow motorists from cheats and morons.
Megawhoosh!Not only that, but the OP runs the risk of having his name registered at the MIB as a fraudulent customer. And let's not forget that the OP will be left with a damaged or wrecked car to pay for, and legally exposed on a personal basis for any damage, injury or death of any third parties.
"Fighting the system" sounds all very bravado on the internet, but it's a system that protects millions of your fellow motorists from cheats and morons.
Thanks for the best laugh all week, hope the recovery from the bypass is going well
Dog Star said:
Stoofa said:
A friend of mine ticked the "no" box when asked if he had any unspent criminal convictions for his car insurance. Mainly because if he ticked the "yes" box his choice of insurers was reduced to more or less none.
He's actually a safe driver, he's been a driver for 20 years, never had a point on his license, never been in an accident - but due to stupidity in another aspect of his life, he was finding it incredibly difficult to get insured, so he could drive to the job he'd actually managed to get with an unspent conviction.
His thinking was that he's never heard of anyone being asked to prove they don't have a criminal record after a car accident. I can see his theory, not as if an insurance company has ever asked anyone to provide, for example, a DBS to show no record.
He didn't have an accident during the 3 years he "told fibs" on his insurance and now he's all legal again.
Thankfully there are a few more insurance companies around now that don't actually ask about non-motoring convictions, but I can understand why he did it.
I don't think I could understand who someone whose just gone from 3 to 6 pts on their license would do it.
That is a question that does irritate me on insurance proposals; I can see that in some cases that insurers could be interested in non-motoring convictions (eg. fraud) but in many other cases I think that this is something that they shouldn't be allowed to penalise people for;He's actually a safe driver, he's been a driver for 20 years, never had a point on his license, never been in an accident - but due to stupidity in another aspect of his life, he was finding it incredibly difficult to get insured, so he could drive to the job he'd actually managed to get with an unspent conviction.
His thinking was that he's never heard of anyone being asked to prove they don't have a criminal record after a car accident. I can see his theory, not as if an insurance company has ever asked anyone to provide, for example, a DBS to show no record.
He didn't have an accident during the 3 years he "told fibs" on his insurance and now he's all legal again.
Thankfully there are a few more insurance companies around now that don't actually ask about non-motoring convictions, but I can understand why he did it.
I don't think I could understand who someone whose just gone from 3 to 6 pts on their license would do it.
Oakey said:
My pal failed to declare an unspent criminal conviction, not because he was dishonest but because he wasn't specifically asked about it during the online application. Fast forward 4 years (still with the same insurer), the conviction is spent and his wife rolls into a car in front. His insurer discovered the undeclared conviction, voided his policies for the four years, paid out to the other party and then pursued him for £10k.
Was your pal aware of the FOS view on this issue? See here - https://www.financial-ombudsman.org.uk/publication...Red Devil said:
Was your pal aware of the FOS view on this issue? See here - https://www.financial-ombudsman.org.uk/publication...
Do you realise that that info is way out of date with regard to utmost good faith?Bert
Oakey said:
My pal failed to declare an unspent criminal conviction, not because he was dishonest but because he wasn't specifically asked about it during the online application. Fast forward 4 years (still with the same insurer), the conviction is spent and his wife rolls into a car in front. His insurer discovered the undeclared conviction, voided his policies for the four years, paid out to the other party and then pursued him for £10k.
I had a similar issue some 25 years ago, my insurance company had asked about any criminal convictions in previous 2 years, I'd declared none, my motorcycle was stolen & the assessor/investigator who came to see me asked about previous 5 years. I'd had a possession with intent to supply conviction for a smallish amount of cannabis 3 years previously, I argued that they'd only asked about previous 2 years & that the conviction was spent, he said he was only doing his job & that was what they were now asking. I asked that he put my comments on the form, he did, they paid out, all was good as have been I ever since![/quote]
A fair few still ask in relation to home insurance though (and equally IVA/Bankrupt type questions).
[/quote]
Why would previous money problems cause be of intrest to an insurance company, I've seen this asked in motor insurance quotes. Seems to be any reason to make a cheap £.
So many people do lie though, it really does wind me up. As a business who possibly stupidly tells the truth i compete against a variety of f
king clowns who pass no thought about telling lies.
Some various ones:
Not declaring points
Not declaring accidents
claiming to be a student and not self employed
claiming to be a school teacher and not a paver
working on restricted o licenses because he's too expensive to get the right one.
various public liability related lies
meanwhile the rest of us fking dickwads pay for everyone elses dishonesty while the liars couldn't have a care in the world, even if they did ever get caught (which i have never heard happening anyway).
king clowns who pass no thought about telling lies.Some various ones:
Not declaring points
Not declaring accidents
claiming to be a student and not self employed
claiming to be a school teacher and not a paver
working on restricted o licenses because he's too expensive to get the right one.
various public liability related lies
meanwhile the rest of us f
king dickwads pay for everyone elses dishonesty while the liars couldn't have a care in the world, even if they did ever get caught (which i have never heard happening anyway).Red Devil said:
Was your pal aware of the FOS view on this issue? See here - https://www.financial-ombudsman.org.uk/publication...
Are you aware that post 6th April 2013 under the Consumer Insurance (Disclosure and Representations) Act 2012 the insurer must ask all relevant questions in order to provide cover?Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff