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Got points, do I need to call insurance?

  • 18-10-2012 9:18pm
    #1
    arleitiss
    Registered Users, Registered Users 2 Posts: 3,515 ✭✭✭


    Hey, so recently someone on forums told me it's like two months or quite long time before I get penalty points. Well today I got a letter from RSA saying I got 2 penalty points, so I am wondering do I need to call insurance or is that automated that they will find out?


Comments

  • #2
    MuppetCheck
    Registered Users, Registered Users 2 Posts: 11,865 ✭✭✭✭MuppetCheck


    I called mine yesterday. There was a warning while I was on hold to say that if there was undisclosed information it may impact on a claim. I don't know who true that would be in practice if a third party was involved but I chose to tell them. It doesn't make a difference until you have 6 with my company.


  • #3
    Supergurrier
    Registered Users, Registered Users 2 Posts: 7,302 ✭✭✭Supergurrier


    Out of interest how long were you waiting to get the letter ?


  • #4
    arleitiss
    Registered Users, Registered Users 2 Posts: 3,515 ✭✭✭arleitiss


    Supergurrier wrote: »
    Out of interest how long were you waiting to get the letter ?

    Got fined on 28th.
    Got ticket in mail on around 10th.
    Got penalty point letter today (18th)


  • #5
    Supergurrier
    Registered Users, Registered Users 2 Posts: 7,302 ✭✭✭Supergurrier


    Ahh ok, just wondering as i think i "might" have passed a camera slightly over the limit on the 29th.

    Thanks, if it's only your first points it should make little or no odds to most insurers in terms of renewal cost


  • #6
    arleitiss
    Registered Users, Registered Users 2 Posts: 3,515 ✭✭✭arleitiss


    Supergurrier wrote: »
    Ahh ok, just wondering as i think i "might" have passed a camera slightly over the limit on the 29th.

    Thanks, if it's only your first points it should make little or no odds to most insurers in terms of renewal cost

    My insurance runs out only in may. And I am doing test at around christmas so I am thinking if thats ok if I dont tell them till christmas, then when I get full license, make a call and let them know of both things.


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  • #7
    Alanstrainor
    Registered Users, Registered Users 2 Posts: 23,157 ✭✭✭✭Alanstrainor


    arleitiss wrote: »
    My insurance runs out only in may. And I am doing test at around christmas so I am thinking if thats ok if I dont tell them till christmas, then when I get full license, make a call and let them know of both things.

    If it's okay not to tell them, it's okay to tell them. Not mentioning any changes which will potentially affect your policy could end terribly.


  • #8
    arleitiss
    Registered Users, Registered Users 2 Posts: 3,515 ✭✭✭arleitiss


    Alanstrainor wrote: »
    If it's okay not to tell them, it's okay to tell them. Not mentioning any changes which will potentially affect your policy could end terribly.

    Oh well guess I will make a call tomorrow.


  • #9
    CoDy1
    Registered Users, Registered Users 2 Posts: 1,637 ✭✭✭CoDy1


    No harm ringing them and telling them, they won't charge you anything extra now. The period of disclosure is at renewal and depending on your company may or may not effect the premium. If its 2 points only you should be fine.


  • #10
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    You dont have to tell them about points until your renewal, but if you are unsure then its best to call them and have it on record that you informed them.


  • #11
    Zubeneschamali
    Registered Users, Registered Users 2 Posts: 16,686 ✭✭✭✭Zubeneschamali


    djimi wrote: »
    You dont have to tell them about points until your renewal

    Well, if you plan not to tell them, you don't have to actually lie until your renewal.

    But it is always best to tell them them the truth. Your policy probably includes some language saying you have a duty to inform them of all relevant information or your policy may be void blah blah.


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  • #12
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,860 Mod ✭✭✭✭Henry Ford III


    djimi wrote: »
    You dont have to tell them about points until your renewal, but if you are unsure then its best to call them and have it on record that you informed them.

    Do it in writing.


  • #13
    Hal Decks
    Closed Accounts Posts: 117 ✭✭Hal Decks


    djimi wrote: »
    You dont have to tell them about points until your renewal, .......

    Says who?


  • #14
    Keith186
    Registered Users, Registered Users 2 Posts: 3,225 ✭✭✭Keith186


    djimi wrote: »
    You dont have to tell them about points until your renewal, but if you are unsure then its best to call them and have it on record that you informed them.

    Correct, you only have to inform of points them when they send out your renewal. NOt sure about any convictions mid term though!

    Not telling them until renewal is not 'lying', you are not expected to declare them until then.


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