I've got an old SP50 (3 points at the time) handwritten on my licence counterpart. The offence was 24th May 2009, so it expired last year (no points now, yay) but I believe can physically be erased from a licence after 5 years, which it is now. Shall I leave it or send it to DVLA to send me a new copy without the offence code? No doubt they'll want £20 or something?
Expired offence code
- Thread starter Merlin5
- Start date
Yeah. I checked online and yep, they say return the licence with £20. Typical! I won't bother. Good to see they officially have me down as 0 points though. Also, it seems that SP speeding offences can come off after 4 years. I was always under the impression that it expired after 4 but had to stay on the licence for 5.
Just don't tell them. I had this argument with Elephant and ended up in a conference call with the DVLA. Because there were no record of the points, Elephant couldn't prove that I had them and backed out of increasing my premium.
No, points expire after 4.
The 5 year thing is insurance companies asking about all points in the last 5 years.
You can just leave them on there, hire car companies won't bat an eyelid since they can see the date.
If you do want them removed however, you can just follow the process to replace a stolen license and the new one will come back points free.
Always wondered what would happen in that scenario. I've got a few mates that work for insurance companies but none of them could say for certain having never come across that situation before.
Why were you having this argument if your stance is not to declare the points?
Seems wierd. How did Elephant even know about the points? Looks like they were indeed correct in spotting it if there was a debate of 4 years vs 5 years. So it wasn't a question of whether they exist.
All that will likely happen is that the Admiral Group will decline you at renewal.
If you have a photocard license you can just wait until thats due for renewal as for some reason you have to send back both parts of the license for the new photocard, in my case at least I got a shiny new counterpart with no points.
I had initially run a quote through Go Compare or whichever comparison site and had included the points as I hadn't realised they'd expired (from the DVLA). When I rang up and took the policy out I then didn't include them but they increased the policy anyway (was around £300 extra, bad post code in Watford). When I called to query it I was told it was because of the points so I challenged it saying I'd had my dates mixed up. Hence the conference call where I had to give the DVLA operator permission to disclose my details to the agent at the insurance company. I ended up getting the money back.
Did you have expired points but were still within the 5 years to declare them or were they actually more than 5 years old?
It seems odd the DVLA had no record of the points however old they were.
"Just don't tell them" would seem to be bad advice as an insurance policy can be voided for not disclosing requested information.
As far as the DVLA are concerned though, you have no points after 4 years so they have nothing to declare to the insurer. The insurance doesn't have the right to ask for anything in your previous history past that point it would seem.
If that's how it works as far as the DVLA is concerned then the insurer won't find out from them.
But as the insurer asks for details for 5 years then not declaring points between 4 and 5 years old could invalidate your policy if you get cought out.
No they were just over the 4 year mark. I took a gamble and won. The insurer couldn't prove that I had the points so upheld the policy.
I'm not saying it was a good idea, or it will work with every insurer/policy holder, just sharing my experience of it.
I'm not saying it was a good idea, or it will work with every insurer/policy holder, just sharing my experience of it.
However if they were showing on your licence and you had a crash, you'd probably be a bit ****ed if they requested copies of your documents!
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Then you just tell them you've lost it, apply for a new one which will come without the points showing.
Never declare over 4 years, they can't prove it the cheeky buggers!
Never declare over 4 years, they can't prove it the cheeky buggers!
How exactly are you £300 more of a risk after 4 years but not after 5?
The answer is your not, their risk calculators will probably show that anybody whose had any points in the past 10 years is more of a risk. But 5 years is the most they reckon they can get away with since they don't actually exist after 4 years.
The answer is your not, their risk calculators will probably show that anybody whose had any points in the past 10 years is more of a risk. But 5 years is the most they reckon they can get away with since they don't actually exist after 4 years.