motor conviction

westernventure

right so i didn't declare to the insurance company about a conviction, i'm back on the road with the last 6 month's, somebody was telling me today that the insurance company's will be able to look into your driving history in the near future, is this for penalty points or for everything?

is this true ?

Now please don't tell me how stupid i have been for not telling them but it's a just a risk i had to take for driving very few miles in a rural area.

Surely i won't be the only 1 out there who has done this.

CiniO

westernventure wrote: »

right so i didn't declare to the insurance company about a conviction, i'm back on the road with the last 6 month's, somebody was telling me today that the insurance company's will be able to look into your driving history in the near future, is this for penalty points or for everything?

is this true ?

Now please don't tell me how stupid i have been for not telling them but it's a just a risk i had to take for driving very few miles in a rural area.

Surely i won't be the only 1 out there who has done this.

What was your point in paying for insurance at all?
Why pay for something which doesn't work?

Henry Ford III

They'd possibly only look at your record in the event of a claim. If that happened you'd be in a world of trouble.

Did you have a driving ban?

Delancey

The bad news for you OP is that there is indeed a plan to allow insurers access to previous convictions as regards points and bans ( dunno about stuff that carries no points/ endorsements ).

Even without that access now if you have an accident and they discover you were banned then they can tell you where to stick your claim.

michael999999

Doesnt matter who else does it, your insurance is null and void.

If you have an accident, your up the creek. Depending on how serious the accident is you could be sued with no insurance to cover the claim.

westernventure

Henry Ford III wrote: »

They'd possibly only look at your record in the event of a claim. If that happened you'd be in a world of trouble.

Did you have a driving ban?

yes had a driving ban for 2 years.

Delancey wrote: »

The bad news for you OP is that there is indeed a plan to allow insurers access to previous convictions as regards points and bans ( dunno about stuff that carries no points/ endorsements ).

Even without that access now if you have an accident and they discover you were banned then they can tell you where to stick your claim.

Any idea when or if ever this information will be given to the insurers?

well if it is happening maybe i should cancel the policy i have now and look for insurance telling them about my ban.

mbiking123

well if it is happening maybe i should cancel the policy i have now and look for insurance telling them about my ban.

good idea, if your in an accident and your in the right 100% you still cant claim

bazz26

Can't insurance companies tell from your licence number if you have points and endorsements?

Even so, I'd imagine your insurance cover is based on you providing full disclosure (read the small print of your policy). Hiding the fact that you have something as serious as a conviction basically means you obtained insurance under false pretenses. This would make your insurance policy null and void in the event a claim is made against your policy.

On top of that you would could also be prosecuted for driving without valid insurance. A world of pain that imo will catch up with you eventually, not worth the risk no matter how small you think it is.

gustafo

bazz26 wrote: »

Can't insurance companies tell from your licence number if you have points and endorsements?

Even so, I'd imagine your insurance cover is based on you providing full disclosure (read the small print of your policy). Hiding the fact that you have something as serious as a conviction basically means you obtained insurance under false pretenses. This would make your insurance policy null and void in the event a claim is made against your policy.

On top of that you would could also be prosecuted for driving without valid insurance. A world of pain that imo will catch up with you eventually, not worth the risk no matter how small you think it is.

Don't think they can check at the moment but it's supposed to be happening but weather it will is anybody's guess.

Henry Ford III

westernventure wrote: »

....maybe i should cancel the policy i have now and look for insurance telling them about my ban.

Yep. I think that's the only way to go.

MugMugs

Hi OP.

We receive correspondence from An Garda Siochana daily requesting confirmation that a conviction was disclosed by the Policy Holder upon inception of their policy.

Generally, when the prosecuting Garda knows you're back motoring they ensure to send one soon after your reinstatement.

Cancelling your Insurance could be a good idea.

If you call your insurer now and tell them of the conviction they may well cancel the policy on you. You will then have to disclose this cancellation to your next Insurer which would increase your risk.

If you cancel it yourself then you dont have to disclose the cancellation and only have to deal with the loading on the conviction.

Insurers operate on a practice of Utmost Good Faith.... This is tested during an indemnity check usually during claim time.... You'd fail, your loss would be your own (ie they wouldn't compensate you for your loss) and they could potentially pursue you for any third party damage they are forced to pay out for.

beer enigma

MugMugs wrote: »

Hi OP.

We receive correspondence from An Garda Siochana daily requesting confirmation that a conviction was disclosed by the Policy Holder upon inception of their policy.

Generally, when the prosecuting Garda knows you're back motoring they ensure to send one soon after your reinstatement.

Cancelling your Insurance could be a good idea.

If you call your insurer now and tell them of the conviction they may well cancel the policy on you. You will then have to disclose this cancellation to your next Insurer which would increase your risk.

If you cancel it yourself then you dont have to disclose the cancellation and only have to deal with the loading on the conviction.

Insurers operate on a practice of Utmost Good Faith.... This is tested during an indemnity check usually during claim time.... You'd fail, your loss would be your own (ie they wouldn't compensate you for your loss) and they could potentially pursue you for any third party damage they are forced to pay out for.

+1 for this

In any event, when there's a claim, the first thing that I look for is a copy driving licence

Our man in Havana

bazz26 wrote: »

Can't insurance companies tell from your licence number if you have points and endorsements?

Only 1 company is able to check for points at present which is Aviva.

bazz26 wrote: »

On top of that you would could also be prosecuted for driving without valid insurance. A world of pain that imo will catch up with you eventually, not worth the risk no matter how small you think it is.

Nope. There would be no prosecution as a policy was in existence even if obtained by fraud. They would still have to settle claims with innocent 3rd parties but they would then sue the OP for anything they paid out.

Henry Ford III

Our man in Havana wrote: »

....There would be no prosecution as a policy was in existence even if obtained by fraud. They would still have to settle claims with innocent 3rd parties but they would then sue the OP for anything they paid out.

Is there such an offence here as obtaining insurance by deception? I think there is in the UK. Saw something on it on one of those "Police Stop" programmes.

cadaliac

As MugMugs said, cancel you policy yourself. Otherwise suffer the consequences laid out above.

Get quotes from Insurers with knowledge of your ban. See what it will cost.
As the policy is already in place, the insurance company probably won't check mid contract about your past convictions unless of course there is a claim.
You know the risks now. Up to you.

MugMugs

Henry Ford III wrote: »

Is there such an offence here as obtaining insurance by deception? I think there is in the UK. Saw something on it on one of those "Police Stop" programmes.

Seen it used under fraud once but rarely ever used.