Points and insurance
Discussion
Can someone clear this up for me, I believe that if you get points for speeding or similar then they count for 3 years, stay on your licence for 4 years but count towards insurance notification for 5 years, something to do with the rehabilitation of offenders act, am I right so far?
My next belief is those points start from the date of the offence, not the conviction date, so in theory if you weren't convicted until 3 years after the offence then technically those points wouldn't count for totting up purposes at all. Still right?
But when getting insurance quotes every form I've filled in at the points stage all ask for the conviction date within the last 5 years and not the offence date, what's the legal status on this, the conviction date could be 6 months after the offence date if its gone to court so the insurance are asking for points that are 5 years and 6 months old where as the law states you only have to declare them for 5 years max. Do you just put the offence date in the box, or not declare it at all if its gone over the 5 years.
My next belief is those points start from the date of the offence, not the conviction date, so in theory if you weren't convicted until 3 years after the offence then technically those points wouldn't count for totting up purposes at all. Still right?
But when getting insurance quotes every form I've filled in at the points stage all ask for the conviction date within the last 5 years and not the offence date, what's the legal status on this, the conviction date could be 6 months after the offence date if its gone to court so the insurance are asking for points that are 5 years and 6 months old where as the law states you only have to declare them for 5 years max. Do you just put the offence date in the box, or not declare it at all if its gone over the 5 years.
davek_964 said:
It sounds like the question is entirely clear. Answer the question they ask - conviction date.
I'm not convinced there is applicable law - insurers can ask whatever questions they want over whatever term they choose.
Its to do with the rehabilitation of offenders act, I've certainly read in the past that the punishment isn't the points but the endorsement of the licence and the act states this is a 5 year period, so for drink driving even though the points stay on the licence for 11 years you only need to tell the insurance about it for 5 years. but what I'm unclear about is when the 5 year period starts, is it the offence date or the conviction date, what is the endorsement date for insurance purposes.I'm not convinced there is applicable law - insurers can ask whatever questions they want over whatever term they choose.
Frane Selak said:
davek_964 said:
It sounds like the question is entirely clear. Answer the question they ask - conviction date.
I'm not convinced there is applicable law - insurers can ask whatever questions they want over whatever term they choose.
Its to do with the rehabilitation of offenders act, I've certainly read in the past that the punishment isn't the points but the endorsement of the licence and the act states this is a 5 year period, so for drink driving even though the points stay on the licence for 11 years you only need to tell the insurance about it for 5 years. but what I'm unclear about is when the 5 year period starts, is it the offence date or the conviction date, what is the endorsement date for insurance purposes.I'm not convinced there is applicable law - insurers can ask whatever questions they want over whatever term they choose.
But if I need to claim on my insurance, I always find it's best to have answered the questions they asked - not the questions I think they should have asked based on the act I think they should be using.
But it's up to you
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