something i been wondering about points/insureance

[yorkie]

rite this is not about me i been clean for years its after i convo in the pub

if someone had points for 3 years and then had them removed from the license

legelly the person had no points on they license...

so why is it insureance companies ask about points in the last 5 years and charge people more money???

my thinking is that legelly the person has no points...
and i thinking that sum how it is legel for insureance companys to penitist people for having points over 3 years old which are legelly not on the license...

you done the 3 years point legel you have been punished!!

what would happen if say you just say no i have no points??
and then if it ever came up you say well i didn,t in the eyes of uk laws???

[rey]

That's not the question though is it?

They ask for 5 years regardless, so if you don't declare, and in the extremely unlikely event it gets found out, the policy would be invalid.

[yorkie]

but what i am saying is in uk law legelly the points are for 3 years so how is it legel that insureance companys penalise for 5 years???

and how can they enforse this??? the law states 3 years not 5 years

[rey]

but what i am saying is in uk law legelly the points are for 3 years so how is it legel that insureance companys penalise for 5 years???

and how can they enforse this??? the law states 3 years not 5 years

Incorrect.

According to UK law:
Under the Rehabilitation of Offenders Act 1974 you are required to disclose all convictions for which a fine was imposed for five years after the conviction, regardless of whether the points have been removed from your license for totting-up purposes.

So infact, it is perfectly legal, and is in fact required that insurance companies require the past 5 years information.

[yorkie]

arse i fort point off the licence all clear i told the lad to just say no points lol

[rey]

Well, what you told him was wong then wasn't it ;)

Also, please use a spell checker.

[stevo67]

Incorrect.

According to UK law:


So infact, it is perfectly legal, and is in fact required that insurance companies require the past 5 years information.

Isn`t there a difference between criminal & cival law though?:y:

[rey]

The quote is related to a driving license.

Points are a criminal conviction, and so have to be declared, regardless of who to.

[yorkie]

dylecix pal and not to hot on pc's i don't even know where to find a spell checker!! lol

[devilsadvocate]

Points are usually on your licence for 4 years anyway.

Insurance is calculated on risk and points = higher risk.

The questions and insurer asks is to assess what risk you pose, hence the reason they want to know about accidents which were not your fault etc.

[jw1325]

Points are valid on your licence for 3 years, held on licence record for 4, and have to be declared to insurance for 5.

as of the 27th of July this year - I will have NO points to declare to insurance :D my licence is now clean.

[stevo67]

The quote is related to a driving license.

Points are a criminal conviction, and so have to be declared, regardless of who to.

They maybe a conviction,how come is it though that I had a CRB check done for a job & it came back as no convictions recorded?:drink:

[Xplodee]

Insurance companies will always do as much as possible to charge more.

[rey]

dylecix pal and not to hot on pc's i don't even know where to find a spell checker!! lol

Download Google Chrome dude, does the hard work for you.

They maybe a conviction,how come is it though that I had a CRB check done for a job & it came back as no convictions recorded?:drink:

Haven't a clue. Different records I suppose.

[Barry123]

but what i am saying is in uk law legelly the points are for 3 years so how is it legel that insureance companys penalise for 5 years???

and how can they enforse this??? the law states 3 years not 5 years

because you've presumably mentioned the points you 'had' for 3 years running...

edit: I've was wondering the same thing a few weeks ago. 3 Years since I got busted for eating a sandwich whilst driving. Thought I didn't have to declare it but got to for another 2 years :(

Anyone know any insurance companies that ask for a 3 year history?

[blackie_2k5]

as said already in here most points now are valid 4 years and must stay on your license 4 years before being removed

they put it up....only things still 3 years before removal are parking offences

i know becuase i have both speeding and parking points, however my speeding ones are all gone in june provided i get no more

the parking ones make feck all diff to quotes so im pleased :D

[devilsadvocate]

as said already in here most points now are valid 4 years and must stay on your license 4 years before being removed

they put it up....only things still 3 years before removal are parking offences

i know becuase i have both speeding and parking points, however my speeding ones are all gone in june provided i get no more

the parking ones make feck all diff to quotes so im pleased :D

What takes the piss is that you have to pay to have them removed!

My one speeding one which is 6 years old now is still on there because I can't be arsed to pay £20 odd quid to get it removed.

[blackie_2k5]

What takes the piss is that you have to pay to have them removed!

My one speeding one which is 6 years old now is still on there because I can't be arsed to pay £20 odd quid to get it removed.

yeah i got a few ones on...just say you lost your license and shred it, theyll send it back clean ;)

[Mezza2k11]

Well, what you told him was wong then wasn't it ;)

Also, please use a spell checker.

hahaha, yes you were wong :P

[kristel10589]

I read somewhere that once your points are taken off your licence they are also taken off the DVLA database meaning insurance have no way of finding out anyway. Not sure how true that is though?

[blackie_2k5]

I read somewhere that once your points are taken off your licence they are also taken off the DVLA database meaning insurance have no way of finding out anyway. Not sure how true that is though?

technically true...however the insurance companies store info now i think..so if youve done an online quote..they MAY be able to access the info untill 5 years have passed(when they dont have to be declared) at which point they wont register?