insurance question

brilou23

i dunno if this is wright place but if you dont declare 2 penalty points and u crash are you still covered

andyseadog

no. otherwise the object of penalty points would be somewhat defeated

3DataModem

Many policies aren't invalidated, they just apply a very large excess. In my case (AXA) it was two grand.

brilou23

i only got 2 is it likely they will check up

Anan1

brilou23 wrote: »

i only got 2 is it likely they will check up

Why don't you just declare them? Most ins cos won't load for two points anyway. I can't understand why anyone would want to give an insurance company money and give them a way to wriggle out of a payout.

brilou23

i had a bump and i forgot declare 2 points

Anan1

brilou23 wrote: »

i had a bump and i forgot declare 2 points

Did the bump result in a claim, or might there be one in the post?

Henry Ford III

Declare them now. Better late than never.

Max Power1

Most insurance companies dont load extra for 2 points, why run the risk of not declaring?

brilou23

Anan1 wrote: »

Did the bump result in a claim, or might there be one in the post?

yeah and i have send of letter to insurance company and im wondering what will happen i didnt mention 2 penalty points will my insurance be void now

Alfreado

brilou23 wrote: »

i only got 2 is it likely they will check up

I got 2 points the year before last, my insurance company already knew when I rang them and my policy only went up by 47 quid.

It's not worth the risk, can you afford to replace your car if the insurers don't cover you after an accident?

brilou23

Alfreado wrote: »

I got 2 points the year before last, my insurance company already knew when I rang them and my policy only went up by 47 quid.

It's not worth the risk, can you afford to replace your car if the insurers don't cover you after an accident?

its not mine i have to fix his and i cant is there a data base where they can check up penalty points

Anan1

brilou23 wrote: »

yeah and i have send of letter to insurance company and im wondering what will happen i didnt mention 2 penalty points will my insurance be void now

Do you mean that you got two penalty points, failed to declare them, and then crashed?

Johnny Utah

brilou23 wrote: »

its not mine i have to fix his and i cant is there a data base where they can check up penalty points

Yeah, Insurance industry have their own database, and penalty points would be on pulse obviously too. The insurance company most likely know about the penalty points already!

MagicMarker

What if you tell them after they've paid out on this claim and they find out that the penalty points were awarded before the claim and you didn't declare them?

Just call them now and declare the points.

3DataModem

3DataModem wrote: »

Many policies aren't invalidated, they just apply a very large excess. In my case (AXA) it was two grand.

2 grand extra for 2 points ? Were they 2 points added on to an existing 8 or something ?

Anan1

RoverJames wrote: »

2 grand extra for 2 points ? Were they 2 points added on to an existing 8 or something ?

Aviva are the same with me - something like a €2500 excess (instead of €125) if I don't declare points. Mind they give me a discount for no points, which is the same as loading for two.

brilou23

Anan1 wrote: »

Do you mean that you got two penalty points, failed to declare them, and then crashed?

yeah so i cant declare them now

MagicMarker

brilou23 wrote: »

yeah so i cant declare them now

Why?