Insurance - declaring pts?
04-02-2007, 08:11 AM
#1
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Insurance - declaring pts?
My insurance company has just told me I do not have to declare any extra points I get on my licence until my renewal comes around again in Jan 2008.
Does this sound right?
Does this sound right?
04-02-2007, 08:26 AM
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Well bearing in mind an ex-Sales director at my company had a payout refused for not 'advising the insurance company of a material change in his risk profile' - I too would get it in writing.
This guy span his car (totalled it) and also has a bill in excess of
This guy span his car (totalled it) and also has a bill in excess of
04-02-2007, 08:36 AM
#5
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you'd be taking a big risk by saying nothing
in many cases they will ask to see your licence if you claim
and iirc you are usually obligated to inform them immediately following something like a conviction
unless I had something in writing to the contrary, I would tell them
Shipley's case sounds harsh
in many cases, whilst the insurance company may have a case for proportionally reducing the claim, it will be difficult for them to reject it completely
it's worth him contacting the Insurance Ombudsman and their site gives lots of useful examples of disputes and the eventual results
in many cases they will ask to see your licence if you claim
and iirc you are usually obligated to inform them immediately following something like a conviction
unless I had something in writing to the contrary, I would tell them
Shipley's case sounds harsh
in many cases, whilst the insurance company may have a case for proportionally reducing the claim, it will be difficult for them to reject it completely
it's worth him contacting the Insurance Ombudsman and their site gives lots of useful examples of disputes and the eventual results
04-02-2007, 09:07 AM
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Gotta agree with everyone, I used to work for the talking dog a few years back and we had to say to customers that not informing us of changes etc could invalidate your insurance cover.
It says somewhere in most policies about informing the Ins Co strait away of any changes.
It says somewhere in most policies about informing the Ins Co strait away of any changes.
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04-02-2007, 09:29 AM
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You're not right, you declare your points but they don't affect your premium until next year.
You MUST inform your insurers when you get your conviction
You MUST inform your insurers when you get your conviction
04-02-2007, 12:19 PM
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Don't agree with Shipley's case entirely. Damage to third party property should be covered regardless of material facts not being disclosed.
Though I'm sure someone more au fait with the Road Traffic Act could enlighten me.
As it happens I suspect I'm about to get flipped over and done dry. Whilst driving a Ka of all things.
