Anyone ever lied about their points/claims?

[Samuel]

Anyone ever had claims on their licence or got points on it and lied about it on a seperate new renewal?

[Jack]

Not unless they're completely braindead. So yes, somebody on here probably has!

[wrd]

nar mate it is illegal and if you get found out it is fraud and will make you insurance void
just not worth it imo

[stevo67]

Nope too much hassle,& you could end up in prison if you`re in an accident & a fatality occured.Due to you having no insurance.

[AliVTS]

well....

[MartinObviously]

Anyone ever had claims on their licence or got points on it and lied about it on a seperate new renewal?

Yes! Somebody, somewhere, has done that before. :clapping:

[blackie_2k5]

easily checkable now and most ask for copies of license when you do it

if you lie id imagine it gets shared among insurance providers

[MartinObviously]

easily checkable now and most ask for copies of license when you do it

if you lie id imagine it gets shared among insurance providers

Some people still have paper licences, so can "get away with it" undetected providing nothing happens.

They should be changing to photocard though!

[blackie_2k5]

even paper licenses get the points endorsed on them lol

[DJVTR]

probably going to get slated now but i said my car is in a grage overnight but now i have so much stuff in there and its a 2 min walk to my garage it now sits outside my house. saved me money tho but if my car is taken at night could prove a problem.
not worth it realy as the insurance peoples job is to find any reason posible not to pay out.

[gazza808]

probably going to get slated now but i said my car is in a grage overnight but now i have so much stuff in there and its a 2 min walk to my garage it now sits outside my house. saved me money tho but if my car is taken at night could prove a problem.
not worth it realy as the insurance peoples job is to find any reason posible not to pay out.

My quote was cheaper saying it was parked on the street rather than in the garage. Make sense of that.

[m4tt274]

I know a guy fairly locally who announced he could no longer come out for drives etc and it was later revealed that he had told some porkies about his points and they had invalidated his insurance.

[Saxjoe]

Not worth the risk surely

[MartinObviously]

even paper licenses get the points endorsed on them lol

Much easier to "hide" when you buy your insurance online and they don't check your licence as most of them don't!

They take your word for it, until you need to claim then say "oh you didn't declare this" no payout.

[m4tt274]

having had a think about it, ive done this! Though, not intentionally.
I cant even remember why, but mums car wasnt on the road for about a month. I think it dropped a turbo. Anyway, i added my mum to my policy so she could get about and use my car while im at uni.
I just added her un aware she had a claim in like '09. It wasnt a serious claim, nobody injured, just a car park bump i think it was. I got a letter about 2 weeks later saying angry things and i had to explain or invalidate my insurance. I just explained, rang my mum to ask what it was, rang them back and my policy went up by like £18. . .

£18 or invalidate. tricky choice ;)

[Viper]

My quote was cheaper saying it was parked on the street rather than in the garage. Make sense of that.

If someone tried to steal your car in the street there is a chance someone would see them. If they tried to steal your car from a garage they have all the time they want to take it. :y:

[gazza808]

If someone tried to steal your car in the street there is a chance someone would see them. If they tried to steal your car from a garage they have all the time they want to take it. :y:

Did a bit of research,
More to the point of if it sets on fire it takes your house with it,
To break Into it in a garage they'll have to damage your garage as well,
So a few things, tbh I hardly ever can be bothered to actually put it in the garage lol!

[AdamB]

I forgot to declare my points and got a email a week later saying they had out up the price off my policy to cover the points

[devilsadvocate]

Im sure people have but if you ever needed to claim them they would likely ask for a copy of your license so the points would show up, unless they had come off already.

If you are going to lie about things like this then you may as well just lie about anything to make it cheaper, its the same concept.

[rey]

I have never known anybody to have to give their insurer a copy of their license upon claiming.

[Yates]

If a car is locked in a garage its seen as more desirable, not so much on a drive.

[Yates]

I have never known anybody to have to give their insurer a copy of their license upon claiming.

my last two policies I've had to send photo copies of licenses so can't hide points

[Giraffe]

I have a friend who never declared points he had right from when he got them to the point he didn't have to declare them and nothing ever happened to him. He probably got lucky though and it was a fair few years back now, probably 6 or 7 years back.

[rey]

my last two policies I've had to send photo copies of licenses so can't hide points

See, I've noticed some companies doing that, usually through Flux I believe?

Just never heard of anyone having to send in a copy of their license, after making a claim..

[blackie_2k5]

As said

Majority of insurers now ask for copies of license and ncb when taking out a policy.. This is the same depsite having a paper license as it still gets endorsed :wall:

I went years without having to do it.. But last 4 policies I've had have required it.. Nearly had 1 policy cancelled as I crossed out all my spent points lol (3 offences)

And they wouldn't accept it.. Luckily I still needed to change my address and it came back within 4 days fresh as a daisy with just 3 points left

But I'd had it accepted like that elsewhere :p

[Yates]

I had one cancelled on me as I never sent my hard drivers away, didn't realise

[Jonny_wilk]

Never had and mods or claims declared on my insurance and been paid out twice with no investigation into anything like points claims or mods.

[griff_106]

Never had any points (touch wood!) so nothing to declare on that front but a neighbour backed into my car causing minor damage (all sorted now) and even though I never claimed, I still have to declare the notification of an incident.

Complete PITA, but it'll have been over 3 years since it happened come renewal, so fingers crossed I'll have no accidents to declare :)

[wolf_gsxr]

I knew a lad who lied about his job occupation. He was a van Driver and claimed he was a banker as it was £600 a year cheaper and even if you have an accident when do they ever discuss where you work?

[MartinObviously]

I knew a lad who lied about his job occupation. He was a van Driver and claimed he was a banker as it was £600 a year cheaper and even if you have an accident when do they ever discuss where you work?

Bankers should pay more, they can afford it :y:

[devilsadvocate]

I knew a lad who lied about his job occupation. He was a van Driver and claimed he was a banker as it was £600 a year cheaper and even if you have an accident when do they ever discuss where you work?

Its likely they wouldn't ask for proof of where you work but im not sure on whether they are allowed to. I guess if they suspect you of lying then they could ask to see proof such as a work contract or payslip etc.

[shannon6460]

As for points/mods declaration, take the risk pay bigger premiums and potential for a void claim or policy.

Garage and Street parking differ for everyone: Street sometimes safer as more likely to be seen if anything happens, sometimes more risk as more likely to get knocked whilst parked and unattended.

Garage: People are more inquisitive therefore, possibility to break in to garage and steal car etc.

Not declaring correct occupation, when it comes to a claim scenario, most insurers will do a policy check, run through everything to see if everything is up to date and correct. In that case you may slip up your true occupation, then you still have the premium to pay, plus more, as you failed to declare in first place.

As for licence, not heard of people having to send them to their insurer to take out policies, however, if you are going to make a claim for theft or total loss, then they will carry out a DVLA conference call to confirm licence details and any points bans or convictions in the last 5 years.

Either declare and pay the pinch or don't and suffer the consequences if your found out. Don't forget insurers use a claims underwriting exchange database, as well as others to share information. Only a matter of time when everyone will know everything.

[willsy]

As of next year insurance companies have finally gained direct access to DVLA records, they will be able to check directly with dvla for your licence type and points record before the insurance is issued. All you'll need to do is tell them/type in your licence number when getting your quote.

Saves anyone having to send copies of their licence through the post and will be much better at ratting out the blatant liers

[DanoSaxoVT]

My insurance asked for a copy of mines every 6 month, they're getting to wise to it

[Ryancoyle]

I did once because my insurance would have been extremely high.

I had a conviction on my driving licence which was due to expire on November past.

I took out insurance in September so my conviction would have been over three months into my insurance.

Didn't see the point having to pay a ridiculous insurance cost when the conviction was up three months later

[Jimmy-Boy]

As of next year insurance companies have finally gained direct access to DVLA records, they will be able to check directly with dvla for your licence type and points record before the insurance is issued. All you'll need to do is tell them/type in your licence number when getting your quote.

Saves anyone having to send copies of their licence through the post and will be much better at ratting out the blatant liers

Great news, i have been declaring mine and every mod paying the price, unlike alot of people -looking forward to seeing the look on their faces come renual time :A:

[shannon6460]

The points may expire officially from your licence after 3 years, however, insurers ask you to declare them for 5 years, as again this information is available up to 5 years from the DVLA.