I got 2 points

af_thefragile

Do I have to tell my insurance about it?
And will I insurance go up because of it?

djimi

If its the only 2 points you have then it almost certainly will not affect your insurnace. You dont have to declare them now but you will have to at renewal time.

af_thefragile

af_thefragile wrote: »

Do I have to tell my insurance about it?
And will I insurance go up because of it?

You need to tell them. It depends on what the points are for. Usually 2 points are ignored.

gerarda

I got 2 points a while back and told my insurance, my premium didn't change at all. Your better off letting them know

djimi

OSI wrote: »

Don't be too sure about that. Some policies require you in the T&C's to inform the insurer immediately.

OP, read your insurance policy to get a better idea.

Fair enough, I have never seen it where you need to inform an insuer immediately upon recieving points, but all policies are different so I guess its possible.

Either way 2 points should make no difference.

Caliden

My 2 points came off recently and told my insurance company. No change sadly and I'm pretty sure it works the other way too.
Never get a different price with 0 or 2 points

biko

I've had 4 points at the same time, all for speeding.
Told the company, nothing happened.

coylemj

OP, the answer depends on who you are insured with, read the policy document.

RSA have a peculiar clause in their policy document. They say you must notify them 'at the next renewal date' but they only refer to a points arising out of a 'conviction' whereas if you get points at the side of the road, you have not been convicted of anything and therefore by the letter of their policy document, you would not need to inform them at all.

8 Disclosure of Penalty Points

If you, or any driver whose driving is covered by this policy, are convicted of any offence under the Road Traffic Acts this is a Material Fact and the following information must be disclosed at the next renewal date of the policy.

1. The type of offence(s)
2. The number of penalty points imposed for the offence(s)
3. The date(s) of conviction(s)
4. The Driver Number, printed on the driving licence, of the driver on whom the penalty points have been imposed

No confusion with Axa and points, they say you must notify them immediately.....

4 Changes to your policy

You must tell us immediately about any:

• ......
• convictions, prosecutions or any penalty points which apply to you or any other driver of your car;
• ......
• ......
• ......

Allianz.....

You must tell Us if:

......
13.You or any driver has any motor prosecution pending, been convicted of a motor offence, had a driving licence suspended or had fixed penalty points applied.
......

livingthedream

AFAIK the first 4 points should not impact your premium.

Del2005

coylemj wrote: »

OP, the answer depends on who you are insured with, read the policy document.

RSA have a peculiar clause in their policy document. They say you must notify them 'at the next renewal date' but they only refer to a points arising out of a 'conviction' whereas if you get points at the side of the road, you have not been convicted of anything and therefore by the letter of their policy document, you would not need to inform them at all.

8 Disclosure of Penalty Points

If you, or any driver whose driving is covered by this policy, are convicted of any offence under the Road Traffic Acts this is a Material Fact and the following information must be disclosed at the next renewal date of the policy.

1. The type of offence(s)
2. The number of penalty points imposed for the offence(s)
3. The date(s) of conviction(s)
4. The Driver Number, printed on the driving licence, of the driver on whom the penalty points have been imposed

No confusion with Axa and points, they say you must notify them immediately.....

4 Changes to your policy

You must tell us immediately about any:

• ......
• convictions, prosecutions or any penalty points which apply to you or any other driver of your car;
• ......
• ......
• ......

Allianz.....

You must tell Us if:

......
13.You or any driver has any motor prosecution pending, been convicted of a motor offence, had a driving licence suspended or had fixed penalty points applied.
......

I don't know why they make it so difficult. All material changes need to be informed ASAP, as this affects your risk rating. So once you get the letter telling you that your points are valid from xx date then you call them up around this time and tell them. No point in paying for insurance and then giving them a easy way to avoid paying for your damages.

Zoo4m8

I've two points for speeding, the company that insures my bikes and a classic car weren't interested, the company that insures my work van wasn't interested,
But the wife's renewal letter came recently from the broker she uses and they informed her as she had a named driver (me) on her policy with two points they were increasing her premium.

Now, how did they know? Did they do a trawl as a matter of course or is there a pool of information on drivers with convictions/ points accessed on an ongoing basis by the companies? I would always make sure the insurance company was kept in the picture re personal stuff, points, illness etc and any mods etc to the car that could mean that they would have an excuse to walk away just when you need them, but it would never have dawned on me to do it as a named driver...but obvious when you think about it

coylemj

Del2005 wrote: »

I don't know why they make it so difficult. All material changes need to be informed ASAP, as this affects your risk rating.s.

Why did you quote my entire post when you clearly didn't bother to read it?

RSA clearly say that they only want to know 'at the next renewal date' and that's only in respect of a 'conviction' so you are wrong to state that there is a blanket requirement to notify your insurance company when you get points.

Clearly the situation is different for each insurance company which I illustrated by quoting three of them.

MugMugs

Hi OP. Call your insurer and let them know.

Shouldn't have an impact. Think it's only Aviva that apply the "we presume you have no points" discount.

slimjimmc

Zoo4m8 wrote: »

I've two points for speeding, the company that insures my bikes and a classic car weren't interested, the company that insures my work van wasn't interested,
But the wife's renewal letter came recently from the broker she uses and they informed her as she had a named driver (me) on her policy with two points they were increasing her premium.

Now, how did they know? Did they do a trawl as a matter of course or is there a pool of information on drivers with convictions/ points accessed on an ongoing basis by the companies? I would always make sure the insurance company was kept in the picture re personal stuff, points, illness etc and any mods etc to the car that could mean that they would have an excuse to walk away just when you need them, but it would never have dawned on me to do it as a named driver...but obvious when you think about it

Yes, there is a pool of information called The National Vehicle and Driver File (NVDF) which contains your point and convictions history. It is maintained by the Dept of Transport Tourism and Sport.
For some time now the insurance industry has been able to see how many penalty points you have. It seems this has been recently increased to allow them see what offences you committed to earn those points.

http://www.thejournal.ie/insurance-penalty-points-782108-Feb2013/

Zoo4m8

MugMugs wrote: »

Hi OP. Call your insurer and let them know.

Shouldn't have an impact. Think it's only Aviva that apply the "we presume you have no points" discount.

Well that answers that, Aviva is who my wife is with..:rolleyes:

Del2005

coylemj wrote: »

Why did you quote my entire post when you clearly didn't bother to read it?

RSA clearly say that they only want to know 'at the next renewal date' and that's only in respect of a 'conviction' so you are wrong to state that there is a blanket requirement to notify your insurance company when you get points.

Clearly the situation is different for each insurance company which I illustrated by quoting three of them.

I did read your whole post and I said it was overly complicated. Also most policies have a clause that you need to inform them of any material changes ASAP, so while they say you can tell them at renewal why would you risk your own cover for no reason?

af_thefragile

Hey, I got the points for speeding.

I'm insured with Liberty and don't know what their policy states on that matter. I'll call them up and tell them about it just to be on the safe side...

MugMugs

af_thefragile wrote: »

Hey, I got the points for speeding.

I'm insured with Liberty and don't know what their policy states on that matter. I'll call them up and tell them about it just to be on the safe side...

Lady Liberty wrote:

Policy Changes

5. You must tell us immediately if:
a you plan to make changes to the vehicle that improves its value,
performance or attractiveness to thieves;
b you want to use the vehicle for any use not included in your certificate of
insurance;
c you change the address at which you normally keep the vehicle;
d you or anyone covered by this policy are charged or convicted of a
motoring offence;
e you become aware of any medical or physical condition of any driver that
may affect their ability to drive;
f you or any driver change occupation; or
g there are changes to any other material fact.
This is not a full list and you should tell us about any change if you are not
sure whether it may affect your policy.
When you tell us about a change, we may then reassess your premium and
your cover. If you do not tell us about any relevant changes, we may:
i. reject or reduce your claim; or
ii. cancel the policy and treat it as though it has never existed.

Source

From past experience, QUINN never impacted for two points.

Henry Ford III

coylemj wrote: »

OP, the answer depends on who you are insured with, read the policy document.

RSA have a peculiar clause in their policy document. They say you must notify them 'at the next renewal date' but they only refer to a points arising out of a 'conviction' whereas if you get points at the side of the road, you have not been convicted of anything and therefore by the letter of their policy document, you would not need to inform them at all......

I think you are misinterpreting that.

All penalty points must be disclosed. They are a "material" consideration in the underwriting of a motor risk.

BohsCeltic

Why do they need this info if you have already paid your premium for the year ? Fair enough notifying at renewal but during something that you have already purchased ?

slimjimmc

BohsCeltic wrote: »

Why do they need this info if you have already paid your premium for the year ? Fair enough notifying at renewal but during something that you have already purchased ?

Probably so that the insurer can assess your new risk profile and decide whether they should continue to provide cover. An insurer can always cancel a policy at any time by giving you 2 weeks advance written notice.