Rave Dave D

i heard that after having your points for 3 years you dont have to declair them to the insurance. and after 4 years they come off. most sites ive been on for a quote ask for any convictions in the last 5 years.

my question is what happens if you dont declair them and have a claim. can the insurance tell you to stick a spike up your **** or what!?!

Cheers Rave Dave.

MattW

Its to do with rehabilitation of offenders act. Legally you must declare them for 5 years, and yes, it would give an insurer legitimate excuse to back out of a claim.

osterley

The 5 year thing from Insurance companies is a bit odd
You can have points removed from the DVLA system after 4 years and the record is effectively wiped from the system if someone does a background check with the DVLA on your license - I know I used to have a very bad license with a number of bans!

So if I had a speeding offence 4 years ago and it came off the license (i.e. I had it removed) then there is no way I would declare it - although its in breach of the insurance policy

The only thing that I dont know is how good the Insurance companies databases are - I dont think they are up to much - for instance if I had declared the offence to another insurance company and they had on record that I had an offence 4 years ago and I moved to another insurance company, had a claim and did not declare the offence - are they sophisticated enough to do a trawl back - or is there some national database on this - I do not think so for these sort of issues

For actual claims there is a database - but not to lodge what you've previously given as points to insurance companies

Rave Dave D

thanks to the both of you. i have a copy of my licance that has points and a clean copy but i havnt actually applied to the dvla to ask for tham off so i think im going to empty the wallet unless anybody else can convince me otherwise.

Rave Dave

MattW

Dave

Be on the safe side, the difference in premiums is likely to be nil or negligible.

Peace of mind comes at a cost!

StudentScooby

Gutted i could have been clean for the first time since 1997 but now i got another year of explaining to do, i thought it was all over after 4....

Rave Dave D

the differance is £110. but i have just fuked off elephant for being ****. changing the year i bought the car from later 2005 to early 2006 put the premium up £55 and changing driving years from 5 to 4 years and 9 months put it up a further £130.

does anybody know why this make ANY ****** differance please. im startin to get annoyed!