Drink driver not declaring on insurance
Discussion
A person I know has been banned from driving three times for driving under the influence. Apparently each time he gets his licence back he tells the insurance company he has been overseas and therefore doesn't have a no-claims discount. They never ask to see his licence prior to insuring him.
Maybe I'm being a dick and this is one of my business, but I know he will drink drive again and he may end up having an accident with my wife driving the other way.
What would you do? Would you report him and if so, how do you know which insurance company to tell?
Maybe I'm being a dick and this is one of my business, but I know he will drink drive again and he may end up having an accident with my wife driving the other way.
What would you do? Would you report him and if so, how do you know which insurance company to tell?
Would he be less likely to have an accident involving your wife if his insurance company were made aware of his conviction?
He has his license back, he's served his sentence, maybe he should be paying more for insurance, but really that is up to the insurance companies to figure out, they will very soon have access to dvla license records anyway
He has his license back, he's served his sentence, maybe he should be paying more for insurance, but really that is up to the insurance companies to figure out, they will very soon have access to dvla license records anyway
As an alcoholic (yes I admitted that). The best thing to do is threaten to either take his keys or report him (and be forceful and then do it). I've been using AA and am now sober(until I mess up), but as a recovering alcoholic I know what the risks are. If he hates you for it then he will learn to love you for it eventually - I have never been convicted for drink driving, but in the past have drank ridiculous amounts and drove (3/4 times the limit after a bottle of vodka). Feel free to judge me. I have/had a disease, I was responsible for that disease and chose to help myself, help your friend.
slf2012 said:
Maybe I'm being a dick and this is one of my business, but I know he will drink drive again and he may end up having an accident with my wife driving the other way.
No you are not being a dick, you recognise your wider social responsibility. It is the people that would criticise you that are 'being dicks'.Alcholics lie routinely, so don't let on to him, but report him to the Police for drunk driving at the first opportunity to get him off the road.
Edited by Martin4x4 on Monday 4th August 06:44
Personally I would rather this chap is insured even if he has lied to his insurers. If he has an at fault accident, his insurers would have to pay out for any third party losses.
If he has been caught drink driving 3 times, I think he'll be the sort who is happy to drive without insurance. If you report this and his insurance is cancelled and he carries on driving, what happens to a 3rd party in the event of him having an at fault accident?
Would the police really be interestes in this? Unless you have seen his schedule and confirnwd the details yourself, it is all hear say.
Finally, the police shouldnt have to be the ones verifying the details provided by a customer to an insurance company. These companies make enough money to emoloy staff to do this on a full time basis.
If he has been caught drink driving 3 times, I think he'll be the sort who is happy to drive without insurance. If you report this and his insurance is cancelled and he carries on driving, what happens to a 3rd party in the event of him having an at fault accident?
Would the police really be interestes in this? Unless you have seen his schedule and confirnwd the details yourself, it is all hear say.
Finally, the police shouldnt have to be the ones verifying the details provided by a customer to an insurance company. These companies make enough money to emoloy staff to do this on a full time basis.
Clearly the man is a total selfish tosser who is I would suggest is driving around in an uninsured car regardless of the fact he has insurance, he doesn't he's lied....big time.
No body has mentioned the fact the moment he has a serious enough accident to warrant a decent claim his insurance company will turn and walk away.
I for one wouldn't want any member of the public or more importantly my family or friends a seriously injured with little recourse because this idiot had hit them.
Call the police and don't feel guilty.
Imagine how you'd feel if you found out he's had an accident and killed someone, you had and opportunity and you did nothing to try and prevent it!
No body has mentioned the fact the moment he has a serious enough accident to warrant a decent claim his insurance company will turn and walk away.
I for one wouldn't want any member of the public or more importantly my family or friends a seriously injured with little recourse because this idiot had hit them.
Call the police and don't feel guilty.
Imagine how you'd feel if you found out he's had an accident and killed someone, you had and opportunity and you did nothing to try and prevent it!
Eclassy said:
Personally I would rather this chap is insured even if he has lied to his insurers. If he has an at fault accident, his insurers would have to pay out for any third party losses.
^ THIS is actually a good point. It doesn't help much if it's your missus that he hits, of course, nor if the choice is between him driving drunk but fraudulently insured versus not driving.Eclassy said:
Finally, the police shouldnt have to be the ones verifying the details provided by a customer to an insurance company. These companies make enough money to emoloy staff to do this on a full time basis.
Google for the profitability of motor insurance, and for every article saying "large profits", there's another saying "struggling profits". One thing's for certain, any increase in costs will be passed on to the consumer.But don't forget...
http://www.bbc.co.uk/news/uk-politics-25663249
As from mid-2015...
[quote=slf2012]Apparently each time he gets his licence back he tells the insurance company he has been overseas and therefore doesn't have a no-claims discount. quote]
How sure are that this is true? Insurance companies routinely cross check amongst each other and with DVLA if anything raises concerns. Some do it automatically.
He just might not want to admit that's he's paying £K's for his insurance.
How sure are that this is true? Insurance companies routinely cross check amongst each other and with DVLA if anything raises concerns. Some do it automatically.
He just might not want to admit that's he's paying £K's for his insurance.
I don't think we'd get very far with the criminal justice system if we avoided correctly punishing people because we'd be afraid they'd then commit offences. E.g. we won't highlight someone committing fraud to an insurance company because they may drive without insurance.
If they drive without insurance because they won't pay a higher premium, then it's a pretty easy target for the police with ANPR etc.
He presents a greater risk, therefore deserves to pay a higher premium to help off-set this. This is what we have to do based on our own risk-profiles.
If they drive without insurance because they won't pay a higher premium, then it's a pretty easy target for the police with ANPR etc.
He presents a greater risk, therefore deserves to pay a higher premium to help off-set this. This is what we have to do based on our own risk-profiles.
TooMany2cvs said:
Eclassy said:
Personally I would rather this chap is insured even if he has lied to his insurers. If he has an at fault accident, his insurers would have to pay out for any third party losses.
^ THIS is actually a good point. It doesn't help much if it's your missus that he hits, of course, nor if the choice is between him driving drunk but fraudulently insured versus not driving....
The MIB step in then, so there's no risk to the innocent third party.
In an extreme case like this with 3 DR10 convictions then the above is far more likely than the normal failing to declare price hikes.
Should all the people who inflate their wages to take out a mortgage or those who embelish their CVs to get a job go through the criminal justice system?
Should that young adult already paying £2k for insurance go through the criminal justice system for putting down social only when he does 2 business related flower deliveries for his mum?
Mortgage companies, employers and also insurers should be the ones doing the checking not the police.
Should that young adult already paying £2k for insurance go through the criminal justice system for putting down social only when he does 2 business related flower deliveries for his mum?
Mortgage companies, employers and also insurers should be the ones doing the checking not the police.
I think it's more and insurance issue.....
Quoted from confused.com
"If you don't disclose a conviction and you make a claim on your policy, your insurance company could refuse to pay the claim. Alternatively, they could make an additional charge for the conviction and won't authorise the claim until the charge is paid"
As I mentioned earlier, he may as well not bother insuring his car and take a risk.
Quoted from confused.com
"If you don't disclose a conviction and you make a claim on your policy, your insurance company could refuse to pay the claim. Alternatively, they could make an additional charge for the conviction and won't authorise the claim until the charge is paid"
As I mentioned earlier, he may as well not bother insuring his car and take a risk.
CYMR0 said:
mygoldfishbowl said:
If he's been banned three times in ten years his last ban may have been for five years. His insurance may have asked if he'd had any convictions in the last five years, if so his answer would be no.
This. If it's spent, it's not fraud.Eclassy said:
Should all the people who inflate their wages to take out a mortgage or those who embelish their CVs to get a job go through the criminal justice system?
Should that young adult already paying £2k for insurance go through the criminal justice system for putting down social only when he does 2 business related flower deliveries for his mum?
Mortgage companies, employers and also insurers should be the ones doing the checking not the police.
None of these businesses have the power to compel access to your private information when deciding whether or not to do business with you. They are totally reliant on your honesty.Should that young adult already paying £2k for insurance go through the criminal justice system for putting down social only when he does 2 business related flower deliveries for his mum?
Mortgage companies, employers and also insurers should be the ones doing the checking not the police.
In answer to your questions, yes, people who lie to achieve a financial benefit they would not otherwise be entitled to should expect to be dealt with as criminals, because what they have done is fraudulent.
lookingforajob said:
As an alcoholic (yes I admitted that). The best thing to do is threaten to either take his keys or report him (and be forceful and then do it). I've been using AA and am now sober(until I mess up), but as a recovering alcoholic I know what the risks are. If he hates you for it then he will learn to love you for it eventually - I have never been convicted for drink driving, but in the past have drank ridiculous amounts and drove (3/4 times the limit after a bottle of vodka). Feel free to judge me. I have/had a disease, I was responsible for that disease and chose to help myself, help your friend.
I admire your honesty and your courage. Best of luck staying on the straight and narrow.
Report to Police as he is effectively driving uninsured. When they stop him (with your info) they will check with the insurers who will confirm they weren't aware and inform the officers he is driving uninsured. Car will be impounded and he will be visiting the magistrates quickly enough. This info should then be on the insurance database which should mean he is unable to lie about his history in the future.
TroubledSoul said:
lookingforajob said:
As an alcoholic (yes I admitted that). The best thing to do is threaten to either take his keys or report him (and be forceful and then do it). I've been using AA and am now sober(until I mess up), but as a recovering alcoholic I know what the risks are. If he hates you for it then he will learn to love you for it eventually - I have never been convicted for drink driving, but in the past have drank ridiculous amounts and drove (3/4 times the limit after a bottle of vodka). Feel free to judge me. I have/had a disease, I was responsible for that disease and chose to help myself, help your friend.
I admire your honesty and your courage. Best of luck staying on the straight and narrow.
, you're a brave man posting this on here! You've looked into yourself and acknowledge the issues, and I wish you all the best for the future 
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