Points on licence, Insurance companies ripping us off again ?

Bald-Eagle22

Bald-Eagle22

Bald-Eagle22

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Guys so I have 2 motor policies running one for my van and one for my car .

When I renew my policies each year I am asked if I have any motoring convictions in the last 5 years which I mark down , an SP30 in April 2012 and a SP10 in October 2012.

So last night for the first time I checked my license on line and none of these were showing as they are more than 4 year old .

My question is are our premiums we being loaded up for the last year unnecessarily as I can't see how insurance companies can check ?

Anyone shed some light please ?
 
I doubt they can check but the reality is that you have to declare the last 5 years. It does increase your premium I'm sure even though the points are not on your license anymore.

insurance in general is a scam
 
They're not asking if you have any points on your licence. They're asking if you've had any motoring convictions in the last 5 years. Whether it's on your licence or not is irrelevant.
 
Slightly OT but not all insurance companies ask for 5 years. I went with Aviva last year because they were only asking for 4 and my convictions at the time fell outside that. I'm not sure if they've changed it as my SP30 was over 5 years ago now.
 
There are many things insurance companies ask for which they don't check, this is just one of them.

However, assuming you've declared the points since the offence date, they'll already know that, for example, you got the SP10 in November 2012 as you've already told them that at the point when they were on your licence. So, if they were to check their records they'd find that you should in fact have declared it to them as the 5 years since the offence have not yet expired.

Contrary to what a lot of people say, this wouldn't void your policy, but if they did find out in the event of a claim you'd have to pay, at a minimum, the backdated increased premium.
 
If it's not showing on your licence how are they going to find out? If you make a claim and they ask to check your licence they look online at the same thing we do now. To get insurance as cheap as possible you have to game it, just like they do to us to try and make it more expensive :P
 
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It's like when they ask have you had any accidents declared or otherwise in the last however many years.

They've got absolutely no way of knowing if you've had an undeclared accident but they still ask.
 
Nasher said:
If it's not showing on your licence how are they going to find out? If you make a claim and they ask to check your licence they look online at the same thing we do now. To get insurance as cheap as possible you have to game it, just like they do to us to try and make it more expensive :P
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Other than the fact he spent the last years renewing his policy and declaring it with a date of conviction...
 
The insurer asking you if you've had any motoring convictions in the last 5 years is totally separate to what might or might not still be on your license for totting up purposes.
 
I wonder how it'll be before it becomes last 7 years and beyond!

My missus did a speed awareness course a few years ago, apart from learning about why its bad to speed, there was supposed to be benefits for you too like no points and rise in premium, nowadays insurance companies specifically request this information and jack your premium up anyway. I wonder if its worth financially just taking the points, rather than paying for the course and paying for future premium increases anyway too.
 
Jamesyboyjim said:
I wonder how it'll be before it becomes last 7 years and beyond!

My missus did a speed awareness course a few years ago, apart from learning about why its bad to speed, there was supposed to be benefits for you too like no points and rise in premium, nowadays insurance companies specifically request this information and jack your premium up anyway. I wonder if its worth financially just taking the points, rather than paying for the course and paying for future premium increases anyway too.
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Not all insurers do, I've never been asked and it's not a question on comparison sites (from memory).
 
Jamesyboyjim said:
I wonder how it'll be before it becomes last 7 years and beyond!

My missus did a speed awareness course a few years ago, apart from learning about why its bad to speed, there was supposed to be benefits for you too like no points and rise in premium, nowadays insurance companies specifically request this information and jack your premium up anyway. I wonder if its worth financially just taking the points, rather than paying for the course and paying for future premium increases anyway too.
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I'm sure I read somewhere that there is no record available to insurance companies of people who have taken the speed awareness course so it all comes down to if you want to admit it or not.
 
Stringy said:
Not all insurers do, I've never been asked and it's not a question on comparison sites (from memory).
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The top 6 quotes from both confused and comparethemarket all asked specifically about the speed awareness when we were going though them about 2 weeks ago.

tom_e said:
I'm sure I read somewhere that there is no record available to insurance companies of people who have taken the speed awareness course so it all comes down to if you want to admit it or not.
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I did say how would they know, but the question had been specifically asked, lying would be fraud and would invalidate any potential claim if they ever found out. She was not prepared to chance it.
 
geekman said:
There are many things insurance companies ask for which they don't check, this is just one of them.
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