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Do I have to disclose penalty points to insurance before points are applied?

magher · 2016-06-16 12:40:30

I received a speeding fine about 2 months ago, I paid it and filled in my licence details. A week later I got a receipt in the post for the €80. My insurance renewal is up on on 20th. So I rang RSA and they said "Yes there are 3 points on your licence and they will come into effect from the 30th" i.e. they will expire on…

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#32 19-06-2016 10:41am
CiniO

Registered Users Posts: 16,089 ✭✭✭✭

Join Date: August 2009

Posts: 15663

db wrote: »

I had a similar situation a few years ago. I had points pending when I renewed and declared them on my application. They were included in the calculation of my premium. Three years later they were again included in the premium so I was effectively penalised for 4 years. I queried this with the insurance company and they said I shouldn't have declared the points until they came into effect.

Well that's obvious.
You declared points which you didn't have, so you were unneceserrily penalised by your insurer for one extra year.

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#33 20-06-2016 12:07pm
Yakuza

Registered Users Posts: 5,141 ✭✭✭

Join Date: November 1999

Posts: 5008

That is unfair, have you have talked to the Ombudsman regarding the 4th year of being penalised?

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