Revoked License

purplehaze901

Two questions

1. if one loses his/her license in ireland, how long until insurance companies stop asking you about your convictions and your insurance returns to normal....as it goes through the roof for a few years dont know how many, maybe its for eternity:( i hope not !! i see some of them asking about within the last five years, is it the same for them all ?

2. if one moves to another country and try to get insured there what happens if you had your license revoke within the last 1 to 2 years? lest say outside the EU and just out of curiosity what if its in the EU?

Our man in Havana

1. if one loses his/her license in ireland, how long until insurance companies stop asking you about your convictions and your insurance returns to normal....as it goes through the roof for a few years dont know how many, maybe its for eternity i hope not !! i see some of them asking about within the last five years, is it the same for them all ?

Some of them they ask if you have ever been banned or convicted, as you found out some of them limit it to 5 years. There is no hard or fast rule as they are really allowed to ask what they like.

Can't help you with the 2nd question. There are too many scenarios to consider.

purplehaze901

okay wat about this scenario, one buys a car, your mum taxes and insures it in her name and your name is on the insurance, you get your license revoked the insurance continues being paid as its iin your mums name but not only that your name also continues on the insurance as they have not asked any questions they just send out the renewal form. the five years pass you tae out your own policy.

is there a law being broken, does that constitute insurance fraud?

Paulw

purplehaze901 wrote: »

is there a law being broken, does that constitute insurance fraud?

Definitely sounds like insurance fraud.

MagicSean

You are required to notify your insurance of a conviction or its not valid. So no matter how long you pay it for you are not actually insured. That would be my understanding.

Zambia

What use would you be on your mums insurance if you had no licence? If you do drive you are not licensed hence not insured.

I would also be with K_mac on the notify thing , however surely its your mother commiting the fraud if she knows you are no longer licensed and does not inform the insurer.

purplehaze901

okay i think theres been a bit of a misunderstanding here, what i meant was
my license was revoked after two years of the policy so they sent out a renewal form and the inusurance was still being paid as my mum still drives the car, and my name is still on the insurance and im not driving it, but im jus wondering seeing as they havent asked me has my license been revoked because they dont know am i breaking any law by not saying it. the idea of not saying it is so i continue paying for 5 years and when the five years pass it wont matter then so i can take out my own policy. and for anyone wondering why dont i cancel it and then resumein 2012 when i get my license back well because then they will ask me and my insurance will go through the roof !

Shield

You'll find you're breaking the Terms and Conditions. You have to notify your insurance company of anything that is likely to have an impact on your premium. If you don't, they can cancel your insurance, or have it annulled if you tried to claim against it and you were unable to produce your driving licence to the Gardai.

This could then lead to criminal charges of fraud because you knew your licence was revoked but continued to pay your insurance, thus giving them the impression that there has been no change of your circumstances.

Careful now!

Del2005

You have to inform them as even if you aren't driving the car the premium will still be based on all risk factors of all named drivers. Having you're licence revoked is a big risk factor and will seriously load your mothers policy if you inform them.

Once you've had a licence revoked the only way to get a half decent premium is to pay the huge ones and prove you're no longer a high risk person.

Our man in Havana

Simply remove yourself from the mothers policy.

coylemj

psni wrote: »

This could then lead to criminal charges of fraud because you knew your licence was revoked but continued to pay your insurance, thus giving them the impression that there has been no change of your circumstances.

I think there's a misuse of the word fraud here. Fraud is taking money from someone under false pretences, this guy's mother is giving money away under false pretences, the insurance company are not being defrauded. They are for sure being misled by not being notified that a person named on her policy has been convicted of a serious driving offence.

They could in theory void the entire policy if they found out and so she (his mother) could find herself in serious trouble if she ran someone down and had no insurance to cover her if she was found to be at fault and the insurance company did any digging.

In any event she is wasting her money paying whatever additional premium is involved for the OP as a named driver because if you are disqualified you legally cannot be insured driving a car.

MagicSean

coylemj wrote: »

I think there's a misuse of the word fraud here. Fraud is taking money from someone under false pretences, this guy's mother is giving money away under false pretences, the insurance company are not being defrauded. They are for sure being misled by not being notified that a person named on her policy has been convicted of a serious driving offence.

They could in theory void the entire policy if they found out and so she (his mother) could find herself in serious trouble if she ran someone down and had no insurance to cover her if she was found to be at fault and the insurance company did any digging.

In any event she is wasting her money paying whatever additional premium is involved for the OP as a named driver because if you are disqualified you legally cannot be insured driving a car.

i think the offence is called making a false declaration. When the op applies for insurance after disqualification it will be on the basis of having a no claims bonus which doesn't actually exist.

coylemj

k_mac wrote: »

i think the offence is called making a false declaration. When the op applies for insurance after disqualification it will be on the basis of having a no claims bonus which doesn't actually exist.

Correct, when the OP goes to purchase insurance in his own right he will be obliged to sign a declaration effectively saying that all of the details he has supplied are correct and that he has not withheld any material data. If he omits to say that he was convicted and disqualified within the previous few years he will be making a false declaration which is an offence under Section 64 of the Road Traffic Act 1961.....

64.—(1) A person shall not, for the purpose or in the course of obtaining the issue of an approved policy of insurance or an approved guarantee to himself or to another person, or for the purpose of securing his or another person's participation in the cover afforded by an approved policy of insurance or an approved guarantee, commit any fraud or make any representation or statement (whether in writing or verbally or by conduct) which is to his knowledge false or misleading in any material respect.

http://www.irishstatutebook.ie/1961/en/act/pub/0024/sec0064.html#zza24y1961s64

Victor

coylemj wrote: »

I think there's a misuse of the word fraud here. Fraud is taking money from someone under false pretences, this guy's mother is giving money away under false pretences, the insurance company are not being defrauded.

MMmmmmmmm, not sure.

The insurance company is being made provide a service for less than the price it would normally charge.

And if there is an payout, the claim will have been made on a fraudulent basis.