PENALTY POINTS GONE

bookerboy

Got two letters in the post today each one telling me that two points were now gone off my licence.
I had six so i'm left with two that will also be gone next month.
This leaves me with a nice clean licence.
The copper that gave me two points in Sligo(while driving at 42kph) sneered with delight as he told me about the €80 fine and more importantly the hike in my insurance.
This convinced me not to tell my insurance company about any points on my licence.Looks like i got away with it.
Anyone else here forget to mention to their insurance company that they have points.??
What's the most points anyone forgot to mention?
Can anyone here beat my six to win a prize?

trad

bookerboy wrote: »

.
This convinced me not to tell my insurance company about any points on my licence.Looks like i got away with it.
Anyone else here forget to mention to their insurance company that they have points.??
What's the most points anyone forgot to mention?
Can anyone here beat my six to win a prize?

Insurance companies have access to the driving licence database. Whilst you might think you have got away with it if you were involved in a significant claim they would find your error and refuse to pay out. I don't think 6 points is anything to brag about.

Wishbone Ash

bookerboy wrote: »

What's the most points anyone forgot to mention?
Can anyone here beat my six to win a prize?

That reminds me - we need a Childrens Forum.

Seth Brundle

trad wrote: »

Insurance companies have access to the driving licence database. Whilst you might think you have got away with it if you were involved in a significant claim they would find your error and refuse to pay out. I don't think 6 points is anything to brag about.

Some insurance companys have access IIRC - not all though!

L1011

My insurer can have all the access they bloody well want to the DB, I don't see how they could ever find my licence file seeing as they don't know my licence number, and licence/insurance have different addresses... and my firstname isn't uncommon and my surname is in the top 20 most common!

Quinn never ask for documents in normal circumstances, I suspect they might if there was a claim that was going to court or was otherwise massive though.

oldyouth

MYOB wrote: »

My insurer can have all the access they bloody well want to the DB, I don't see how they could ever find my licence file seeing as they don't know my licence number, and licence/insurance have different addresses... and my firstname isn't uncommon and my surname is in the top 20 most common!

Quinn never ask for documents in normal circumstances, I suspect they might if there was a claim that was going to court or was otherwise massive though.

Can we link this to all the other posts who think Insurance Companies are wrong in lumpimg everyone together and not looking after the 'good guys' separately from the chancers

RLJ

MYOB wrote: »

My insurer can have all the access they bloody well want to the DB, I don't see how they could ever find my licence file seeing as they don't know my licence number, and licence/insurance have different addresses... and my firstname isn't uncommon and my surname is in the top 20 most common!

Quinn never ask for documents in normal circumstances, I suspect they might if there was a claim that was going to court or was otherwise massive though.

if you phone quinn and listen to the recording they say they exchange info with other companies and the garda, don't under estimatethem

jhegarty

trad wrote: »

Insurance companies have access to the driving licence database. Whilst you might think you have got away with it if you were involved in a significant claim they would find your error and refuse to pay out. I don't think 6 points is anything to brag about.

I have the Hibernian documentation in front of me. They will pay out, but they will come after you for the first €2500 of the claim.

Berty

I once told an Insurance company I had a FULL license even though I didnt and because I am nicknamed "Dell Boy" (amongst other things) I was able to convince them it was their own fault that they did not have it on file so they believed me and reduced my Insurance by a few hundred pounds.

TBF I was much younger and a little more moronic back then. If I was a little maturer back then I would have realised the potential consequences.

I got my Full license around 4 months later.

I have 0 points.

L1011

RLJ wrote: »

if you phone quinn and listen to the recording they say they exchange info with other companies and the garda, don't under estimatethem

The recording says that, but that doesn't in any circumstances mean they can access the licence DB and cross-reference to their DB. How exactly do you suspect they're able to exchange information when they have nothing to go off? "Here, find me the points for someone with a very common name" won't really work.

oldyouth wrote: »

Can we link this to all the other posts who think Insurance Companies are wrong in lumpimg everyone together and not looking after the 'good guys' separately from the chancers

Oh, I'm not hiding anything from them. But there's no easy way for them to find out if I was because they don't even ask for the most basic of information. Their prerogative...

You could tell Quinn you have a full licence when you in fact have none at all and they'd issue insurance, and quite probably pay out if it was a small accident that didn't go through the Guards. I'd even be interested to know if they look for proof of NCB, seeing as they don't ask for anything else!

Fishtits

Methinks someone would do the OP a favour by giving him ("him" most probably, but not definitely) a good slap. The sooner the OP joins reality the better IMHO.

F*ckwit comes to mind...

"can anyone beat my 6 to win a prize"... Simple. You need to sort out your driving, at the moment you're a disaster zone: ie a bad driver.

Do your ego stuff on the track, up against your peers.

bladebrew

i dont think insurance companies bother to check if you actually have penaltly points unless you make a claim,my dad rang some number (dept. of something?) to check if i had penaltly points and they wouldnt tell him!,he gave them some of my details and they rang me back and said i have no penaltly points,then said oh wait what is your date of birth,
i told her and she said again i have no penaltly points then started asking me if i ever lived in a certain estate in dublin,i never heard of it before so i assume it was a similar name she was looking at,

in the rules of the road book it says a conviction for careless driving has 5 penalty points,but i apparently have none

i told quinn that i have 5 penaltly points last year so i dont want to ring them now and say i have none!

L1011

did you ever receive a confirmation letter of the points? You get one whenever they're added (or removed).

bladebrew

MYOB wrote: »

did you ever receive a confirmation letter of the points? You get one whenever they're added (or removed).

me?

L1011

bladebrew wrote: »

me?

Yes...

bladebrew

MYOB wrote: »

Yes...

sorry
no i never got a letter off them,i have lived at the same address for the last 2 years,i think the address on my licence is the last place i lived,im not sure which address they send that letter to though,
my parents keep sayin ring quinn and tell them i have no penalty points but im convinced a mistake was made somewhere along the line

L1011

It is possible you got a muppet in the RSA but if you got no letter and they're telling you you got no points, you've no points. Call again or use the email address in the other thread, use your licence number not just name.

If you were convicted of dangerous driving did you get an endorsement with this?

bladebrew

MYOB wrote: »

It is possible you got a muppet in the RSA but if you got no letter and they're telling you you got no points, you've no points. Call again or use the email address in the other thread, use your licence number not just name.

If you were convicted of dangerous driving did you get an endorsement with this?

yeah i was thinking they would use my licence number but they didnt even ask for it,

i just went to court in june of 2008 was told by the judge convicted of careless driving,paid a €150 fine and that was it,im not sure if i have to get my licence stamped or anything,is that an endorsment?

Hooch

bladebrew wrote: »

yeah i was thinking they would use my licence number but they didnt even ask for it,

i just went to court in june of 2008 was told by the judge convicted of careless driving,paid a €150 fine and that was it,im not sure if i have to get my licence stamped or anything,is that an endorsment?

If you were supposed to get your licence endorsed (stamped with the conviction) then normally the court service will not take the fine unless you had in your licence.

If you somehow paid your licence, and your didnt had in your licence for endorsement when you should have......you have just committed another offence:eek:

L1011

...you may find you have a lot of rather nasty post waiting for you at your licence address...

You can get convicted without an endorsement (which is stamped on your licence), but just getting a fine and no points plus no endorsement sounds strange. Call/email the RSA with the licence number to check and while you're at it you might want to change the address (its free) with the council.

bladebrew

nice guy always wrote: »

If you were supposed to get your licence endorsed (stamped with the conviction) then normally the court service will not take the fine unless you had in your licence.

If you somehow paid your licence, and your didnt had in your licence for endorsement when you should have......you have just committed another offence:eek:

i think it was paid online,oh crap,the g/f`s mother said i have to have my licence stamped but nobody else said it so i did nothing,

she said i will have trouble when i try to renew my licence but thats not for 9 years so i wasnt too worried,

bladebrew

MYOB wrote: »

...you may find you have a lot of rather nasty post waiting for you at your licence address...

You can get convicted without an endorsement (which is stamped on your licence), but just getting a fine and no points plus no endorsement sounds strange. Call/email the RSA with the licence number to check and while you're at it you might want to change the address (its free) with the council.

yeah it was just the fine, nobody mentioned getting a stamp or anyhting,do i have to get a new licence when i change address?

L1011

You don't have to, no. Its just advisable to prevent some Guards tracking you down with a summons for a speeding offence you never knew about, or similar.

Arathorn

Quinn dont penalise you for penalty points just fyi

Hooch

bladebrew wrote: »

i think it was paid online,oh crap,the g/f`s mother said i have to have my licence stamped but nobody else said it so i did nothing,

she said i will have trouble when i try to renew my licence but thats not for 9 years so i wasnt too worried,

Advice - - - - contact the district court in which you were convicted and ask them about it. They will inform you if you had to come in. If so get your ass in their quick quick quick. AGS mightnt try to find you because of it.....but god forbid you get convicted of another offence and the judge hears you didnt present you licence for endorsement.......well I can see a very unpleasent picture presenting itself!!!

bladebrew

MYOB wrote: »

You don't have to, no. Its just advisable to prevent some Guards tracking you down with a summons for a speeding offence you never knew about, or similar.

well everything else about the car is based on the address i live at now so i would rather keep everything above board, i think i should go ask the gardai about the endorsment that is supposed to be on my licence,

im terrified of quinn thinking i was hiding something from them and not paying out on a claim,the claim that got me a careless driving conviction ended up around €25k

Henry Ford III

bookerboy wrote: »

...The copper that gave me two points in Sligo(while driving at 42kph) sneered with delight as he told me about the €80 fine and more importantly the hike in my insurance.....

42kph isn't speeding surely? The minumum speed limit is 50kph afaik.

notahappycamper

Kinda if off topic but generally speaking how long does it take to receive a letter telling you, you broke the speed limit etc after the day it happened if you think you were done by one of the new GATSO vans?

I reckon I was done on the M1 last Monday heading to Julianstown by one of the new GATSO vans.

trad

MYOB wrote: »

My insurer can have all the access they bloody well want to the DB, I don't see how they could ever find my licence file seeing as they don't know my licence number, and licence/insurance have different addresses... and my firstname isn't uncommon and my surname is in the top 20 most common! .

You are forgetting the one unique feature which you declare to your insurance company - your date of birth. Now how many myob's were born the same day as you?

antodeco

trad wrote: »

You are forgetting the one unique feature which you declare to your insurance company - your date of birth. Now how many myob's were born the same day as you?

4 million do, according to the worldwide stats!

NiSmO

This post has been deleted.

B00MSTICK

NiSmO wrote:

This post has been deleted.

They don't for 2 points (like most companies I assume?) but I'd find it hard to believe if they didn't load you after that.

Saint_Mel

B00MSTICK wrote: »

They don't for 2 points (like most companies I assume?) but I'd find it hard to believe if they didn't load you after that.

Any idea if Hibernian penalise for 2 points. I was stopped a month ago for speeding but just got the letter about the fine and points during the week. Insurance up for renewal in 2 months time

trad

antodeco wrote: »

4 million do, according to the worldwide stats!

4 million people might be born every day but how many of them share the same name, nationality and look exactly like you, don't forget your picture is on your driving licence.

Big brother is watching you

Cookie_Monster

antodeco wrote: »

4 million do, according to the worldwide stats!

:eek::eek::eek: 4m a day, man thats crazy 1.5bn a year.

sorry OT

EDIT: checked and nowhere near that.

route66

If you don't tell the full truth to insurance companies, then you are not insured.

<snip>

This is my first post, I'll try to come up with more (Viz) tips when I get the chance.

Gary ITR

route66 wrote: »

This is my first post, I'll try to come up with more (Viz) tips when I get the chance.

Keep suggesting illegal activities and it'll be one of your last here.

Dabko

nice one OP, to hell with it, if you can get away with it, fair play.

bladebrew

nice guy always wrote: »

If you were supposed to get your licence endorsed (stamped with the conviction) then normally the court service will not take the fine unless you had in your licence.

If you somehow paid your licence, and your didnt had in your licence for endorsement when you should have......you have just committed another offence:eek:

i just checked my licence it is my current address on it so any letters would have come here,i went into the district court to check up on this and they said there is no endorsment on my licence! so i have no penaltly points and no endorsements is that even possible???,that would mean all i got in court was a €150 fine

i have told quinn i have a conviction and 5 penalty points:o

donvito99

Wishbone Ash wrote: »

That reminds me - we need a Childrens Forum.

Post o´the day IMO.

Arathorn

NiSmO wrote: »

This post has been deleted.

Yes it is, see this article it shows how the different insurers penalise you for points, there's big differences between them.

Quinn Direct said it did not load premiums or refuse to cover a customer who had penalty points.

http://www.independent.ie/business/personal-finance/driving-sins-burn-a-hole-in-your-pocket-1291357.html

bogs

Quinn-Direct work VERYclosely with each other.Its a matter of time before they stumble across you.

L1011

trad wrote: »

You are forgetting the one unique feature which you declare to your insurance company - your date of birth. Now how many myob's were born the same day as you?

Good point, I actually never thought of that

The odds of their being another person with my name on the same DOB are higher than you'd imagine, however. Given that my first name went through a brief burst of popularity a few years each side of my birth (there were 5 of us with the same first name in 40 junior infants!) theres even more of a chance. Its not "John Murphy" but I'd still not be surprised if there was another person with the same name and DOB in Ireland.

I've nothing on my licence file to hide from my insurers anyway, though.

Arathorn

bogs wrote: »

Quinn-Direct work VERYclosely with each other.Its a matter of time before they stumble across you.

What does that mean? As I said quinn dont penalise you for points

The-Game

Im sure Quinn must penalise you after clocking up more then 2 points, can anyone confirm this?

Arathorn

The-Game wrote: »

Im sure Quinn must penalise you after clocking up more then 2 points, can anyone confirm this?

I went on their website to generate a quote, I done this twice, the only difference was I put one in with 4 points for speeding. The quote price was exactly the same. Dont know if its the same for 6, 8, 10 points.

high horse

bookerboy wrote: »

What's the most points anyone forgot to mention?
Can anyone here beat my six to win a prize?

Since the idea behind penalty points is to have none, then I think that I have beaten you. I have none!

Dabko wrote: »

nice one OP, to hell with it, if you can get away with it, fair play.

Maybe its time we got a button that does the opposite of the "thanks" button...

bookerboy

Alot of comment here but surely somebody can beat my six points.
That is what this thread was for in the first place.

Solitaire

bookerboy wrote:

Alot of comment here but surely somebody can beat my six points.

I did - I have ZERO points too! :P

I hope you didn't mean the other way around... for your sake. Onkle takes a mighty dim view of encouraging illegal activities, which this topic is pretty close to doing.

FFS just cop on - both in here and on the road! :mad:

bookerboy

I can assure you i am a very carefull driver on the road.I have never recieved penalty points for speeding.I have got points from driving over the speed limit but they were all under 50kph(which in my oponion is not speeding)
How many people can honestly say they are aware of the speed limit at all times.
My licence will show no points from next month which proves a good record over the last three years.

Solitaire

Its not how you got the points that's the issue, but your attitude to the whole affair, which could be seen as an encitement to/encouragement of criminal behavior. Moderators won't tolerate that on a public forum, and for good reason.

That said, I'm wondering where you managed to rack up those points - don't see too many gards with speed guns in car parks or housing estates around here...