Expired offence code

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.

They have no record since the points have expired. The DVLA have no need to keep record of points that have expired.
 
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.

You could argue similarly about having an accident.

If you've just had an accident (especially a serious one), shouldn't you be less of a risk, since you'll probably drive a bit more carefully while it's fresh in your mind.

5 years later, you might be getting a bit cocky and careless... ;)
 
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.

I have no idea, you'd have to ask Elephant. :)

Bear in mind my premiums were £1000+.
 
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